Stocktoria
TWO HARBORS INVESTMENT CORP. TWO
TWO HARBORS INVESTMENT CORP. (TWO) earns a Piotroski F-score of 3/9 (weak financial health). It pays a dividend yielding 13.09% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 3/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| TWO | TWO HARBORS INVESTMENT CORP. | 3/9 | — | — | — |
| WELL | WELLTOWER INC. | 3/9 | — | — | +35.6% |
| AMT | AMERICAN TOWER CORP /MA/ | 2/9 | 0.03 | — | +5.1% |
| EQIX | EQUINIX INC | 4/9 | 1.58 | 79.3 | +5.4% |
| PLD | Prologis, Inc. | 4/9 | — | 39.7 | +7.2% |
| BSTT | Blackstone Real Estate Income Trust, Inc. | 4/9 | — | — | -6.7% |
| WY | WEYERHAEUSER CO | 4/9 | 2.1 | 55.2 | -3.1% |
All Finance, Insurance & Real Estate companies →
About TWO HARBORS INVESTMENT CORP.
Two Harbors Investment Corp. invests in, finances, and manages mortgage servicing rights (MSRs), agency residential mortgage-backed securities (RMBS), and other financial assets through RoundPoint in the United States. The company target assets include agency RMBS collateralized by fixed rate mortgage loans, adjustable rate mortgage loans, hybrid mortgage loans, or derivatives; and other assets, such as financial and mortgage-related assets, comprising non-agency securities and non-hedging transactions. It qualifies as a REIT for federal income tax purposes. The company was incorporated in 2009 and is headquartered in Saint Louis Park, Minnesota.
FAQ
Is TWO financially healthy?
TWO HARBORS INVESTMENT CORP.'s Piotroski F-score is 3/9 (8–9 is excellent, 0–3 weak).
Does TWO pay a dividend, and is it safe?
Yes. TWO HARBORS INVESTMENT CORP. pays a dividend yielding about 13.09% with a -37.6% payout ratio, rated “safe” for safety.
How profitable is TWO?
In FY2025, TWO HARBORS INVESTMENT CORP. had a return on equity of -25.4%.
Is TWO overvalued or undervalued?
TWO HARBORS INVESTMENT CORP. trades at about 5.1× trailing earnings — below its 10-year norm (10-year range 5.4×–147.0×, median 32.6×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for TWO?
The average Wall-Street price target for TWO HARBORS INVESTMENT CORP. is $11.62, about 3.4% below the recent price, from 4 analysts.
Is TWO a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on TWO HARBORS INVESTMENT CORP.: a Piotroski F-score of 3/9, a dividend yield of 13.09%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.