About New York Mortgage Trust, Inc. (NYMTO) — Dividend Analysis 2026
New York Mortgage Trust, Inc. acquires, invests in, finances, and manages mortgage-related and residential housing-related assets in the United States. Its investment portfolio includes structured multi-family property investments, such as multi-family commercial mortgage-backed securities and preferred equity in, and mezzanine loans to owners of multi-family properties; residential mortgage loans, including distressed residential mortgage loans, non-qualified mortgage loans, second mortgages, residential bridge loans, and other residential mortgage loans; non-agency residential mortgage-backed securities(RMBS); agency RMBS and CMBS; and other mortgage-related, residential housing-related, and credit-related assets. The company qualifies as a real estate investment trust for federal income tax purposes. It generally would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. The company was founded in 2003 and is headquartered in New York, New York.
Is NYMTO a good dividend investment in 2026?
NYMTO offers a 48.95% forward yield with a 50% payout ratio. Strand Safety Score: 45/100 (Moderate Risk). The 5-year dividend CAGR of -45.7% is modest — investors should weigh current income against growth alternatives.
NYMTO DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your NYMTO portfolio grows to $12.18M vs $10.25M without reinvestment. This is the compound interest effect in action.
NYMTO dividend growth history & forecast
NYMTO has grown its dividend by 0% over the last year and -45.7% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 48.95%.
FCF ($134M) is below dividends paid ($641M) — risk of cut (FCF: $134M · Dividends est.: $641M)
Debt Leverage0.0× Debt/EBITDA
30 / 30 pts
30/30
Debt/EBITDA 0.0× — low leverage, balance sheet is strong
Earnings Momentum+0.1B → -0.1B → -0.0B
15 / 30 pts
15/30
Net income grew in the latest year — positive but trend is unconfirmed
OVERALL ASSESSMENT
Dividend at moderate risk — monitor coverage and debt closely.
STRAND SCORE
45
/100
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 NYMTO Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold NYMTO.
Gross yield
48.95%
Tax rate
15.00%
After-tax yield
41.61%
Real yield (−CPI)
38.81%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
48.95%
46.15%
$4,895 / yr
🇺🇸 US Taxable (15%) ✓
15%
41.61%
38.81%
$4,161 / yr
🇺🇸 US Taxable (20%)
20%
39.16%
36.36%
$3,916 / yr
🇬🇧 UK ISA
0%
48.95%
46.15%
$4,895 / yr
🇬🇧 UK Taxable
8.75%
44.67%
41.87%
$4,467 / yr
🇨🇦 TFSA
0%
48.95%
46.15%
$4,895 / yr
🇨🇦 CA Taxable
25%
36.71%
33.91%
$3,671 / yr
🇦🇺 Super (pension)
15%
41.61%
38.81%
$4,161 / yr
🇦🇺 AU Taxable
30%
34.27%
31.46%
$3,427 / yr
🇩🇪 DE Taxable
26.375%
36.04%
33.24%
$3,604 / yr
🇫🇷 FR Taxable
30%
34.27%
31.46%
$3,427 / yr
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 NYMTO Income Goal & Break-Even
Dividend Break-Even
50yr+
Years for dividends to fully repay your NYMTO investment of $25.06/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$5.3K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$2.8K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in NYMTO for:
Shares needed
2,302
Capital required
$57,688
Monthly income
$2,000
Based on current dividend of $12.27/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 NYMTO Dividend Payment Schedule
NYMTO pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$26.07 / payment
$104.26 / year after tax
100 shares
$260.66 / payment
$1042.65 / year after tax
1,000 shares
$2606.61 / payment
$10426.46 / year after tax
📊 NYMTO vs Real Estate Benchmarks
How NYMTO compares to typical Real Estate averages.
Benchmark: Real Estate
Dividend Yield▲+43.75% vs sectorBetter
NYMTO
48.95%
avg
5.20%
5Y Dividend CAGR▼-49.80% vs sectorBelow avg
NYMTO
-45.70%
avg
4.10%
Payout Ratio▲-28.00% vs sectorBetter
NYMTO
50.00%
avg
78.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for NYMTO sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ NYMTO Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
Insider
Title
Type
Date
Shares
Price
Total Value
Norcutt Steven G
director
A-Award
2025-06-12
18,678
—
—
Clement Michael B.
director
M-Exempt
2025-06-11
18,462
—
—
Clement Michael B.
director
A-Award
2025-06-12
18,678
—
—
Clement Michael B.
director
M-Exempt
2025-06-11
18,462
—
—
Cheng Gena
director
A-Award
2025-06-12
18,678
—
—
Mumma Steven R
director
A-Award
2025-06-12
18,678
—
—
Greenberg Audrey
director
A-Award
2025-06-12
18,678
—
—
Pendergast Lisa A
director
A-Award
2025-06-12
18,678
—
—
Mah Nicholas
officer: President
F-InKind
2025-01-27
7,684
$6.05
$46.5K
Mumma Steven R
director
F-InKind
2025-01-27
9,628
$6.05
$58.2K
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
🔬
Financial Health Scores
Altman Z-Score
0.70
🔴 Distress Zone — elevated dividend cut risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
5/9
⚠️ Moderate fundamentals
Strong: 7–9 · Moderate: 4–6 · Weak: 0–3
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
📊 About This Data
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the NYMTO dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →