Stock Scorecard
Stock Summary for Two Harbors Investment Corp (TWO) - $10.05 as of 11/26/2025 3:45:03 PM EST
Total Score
14 out of 30
Safety Score
48 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for TWO
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for TWO
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for TWO
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for TWO
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for TWO (48 out of 100)
| Stock Price Rating (Max of 10) | 5 |
| Historical Stock Price Rating (Max of 10) | 5 |
| Stock Price Trend (Max of 10) | 2 |
| Book Value (Max of 10) | 5 |
| Book Value to Price (Max of 10) | 8 |
| Analyst Buy Ratings (Max of 5) | 3 |
| Analyst Strong Buy Ratings (Max of 5) | 3 |
| Dividend Yield Percentage (Max of 10) | 2 |
| Operating Margin (Max of 10) | 5 |
| Trading Volume (Max of 10) | 10 |
| Price to Earnings (Max of 10) | 0 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for TWO
Financial Details for TWO
Company Overview |
|
|---|---|
| Ticker | TWO |
| Company Name | Two Harbors Investment Corp |
| Country | USA |
| Description | Two Harbors Investment Corp. is a prominent real estate investment trust (REIT) based in Minnetonka, Minnesota, dedicated to acquiring, financing, and managing a diverse portfolio of residential mortgage-backed securities (RMBS) and other mortgage-related assets. The company strategically invests in both agency and non-agency securities to deliver attractive risk-adjusted returns, leveraging its deep expertise in the mortgage markets. With a robust commitment to prudent risk management and enhancing shareholder value, Two Harbors is well-equipped to adapt to evolving economic conditions and seize opportunities within the housing market. |
| Sector Name | REAL ESTATE |
| Industry Name | REIT - MORTGAGE |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 1/26/2026 |
Stock Price History |
|
| Last Day Price | 10.05 |
| Price 4 Years Ago | 13.35 |
| Last Day Price Updated | 11/26/2025 3:45:03 PM EST |
| Last Day Volume | 2,631,192 |
| Average Daily Volume | 1,466,744 |
| 52-Week High | 12.84 |
| 52-Week Low | 9.17 |
| Last Price to 52 Week Low | 9.60% |
Valuation Measures |
|
| Trailing PE | N/A |
| Industry PE | 17.21 |
| Sector PE | 65.25 |
| 5-Year Average PE | -22.45 |
| Free Cash Flow Ratio | 1.36 |
| Industry Free Cash Flow Ratio | 19.47 |
| Sector Free Cash Flow Ratio | 106.84 |
| Current Ratio Most Recent Quarter | 0.95 |
| Total Cash Per Share | 7.40 |
| Book Value Per Share Most Recent Quarter | 11.24 |
| Price to Book Ratio | 0.87 |
| Industry Price to Book Ratio | 0.81 |
| Sector Price to Book Ratio | 11.71 |
| Price to Sales Ratio Twelve Trailing Months | 1.90 |
| Industry Price to Sales Ratio Twelve Trailing Months | 6.28 |
| Sector Price to Sales Ratio Twelve Trailing Months | 5.63 |
| Analyst Buy Ratings | 2 |
| Analyst Strong Buy Ratings | 1 |
Share Statistics |
|
| Total Shares Outstanding | 104,156,000 |
| Market Capitalization | 1,046,767,800 |
| Institutional Ownership | 71.22% |
Dividends |
|
| Ex-Dividend Date | 10/3/2025 |
| Previous Dividend Amount | 0.3900 |
| Current Dividend Amount | 0.3400 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 1.63 |
| Trailing Annual Dividend Yield | 16.22% |
| Forward Annual Dividend Rate | 1.36 |
| Forward Annual Dividend Yield | 13.53% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 18.82% |
| 5-Year Average Dividend Yield | 18.25% |
| 1-Year Dividend Growth Rate Percentage | -9.44% |
| 3-Year Dividend Growth Rate Percentage | -11.90% |
| 5-Year Dividend Growth Rate Percentage | -4.99% |
| All-Time Dividend Growth Rate Percentage | -13.21% |
| Dividend Payout Ratio | -69.07% |
Income Statement |
|
| Quarterly Earnings Growth YOY | -76.30% |
| Annual Earnings Growth | 265.57% |
| Reported EPS 12 Trailing Months | -2.36 |
| Reported EPS Past Year | 0.88 |
| Reported EPS Prior Year | 0.55 |
| Net Income Twelve Trailing Months | -214,396,000 |
| Net Income Past Year | 251,676,000 |
| Net Income Prior Year | -152,005,000 |
| Quarterly Revenue Growth YOY | -82.70% |
| 5-Year Revenue Growth | 14.62% |
| Operating Margin Twelve Trailing Months | 26.00% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 770,533,000 |
| Total Cash Past Year | 504,613,000 |
| Total Cash Prior Year | 729,732,000 |
| Net Cash Position Most Recent Quarter | 398,297,000 |
| Net Cash Position Past Year | 244,384,000 |
| Long Term Debt Past Year | 260,229,000 |
| Long Term Debt Prior Year | 563,853,000 |
| Total Debt Most Recent Quarter | 372,236,000 |
| Equity to Debt Ratio Past Year | 0.89 |
| Equity to Debt Ratio Most Recent Quarter | 0.83 |
| Total Stockholder Equity Past Year | 2,122,509,000 |
| Total Stockholder Equity Prior Year | 2,203,390,000 |
| Total Stockholder Equity Most Recent Quarter | 1,771,717,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | -234,402,000 |
| Free Cash Flow Per Share Twelve Trailing Months | -2.25 |
| Free Cash Flow Past Year | 86,880,000 |
| Free Cash Flow Prior Year | 30,872,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -0.01 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 9.35 |
| 20-Day Bollinger Middle Band | 9.69 |
| 20-Day Bollinger Upper Band | 10.04 |
| Beta | 1.23 |
| RSI | 45.41 |
| 50-Day SMA | 10.41 |
| 150-Day SMA | 10.31 |
| 200-Day SMA | 10.61 |
System |
|
| Modified | 11/25/2025 10:47:50 AM EST |