PMT Stock and Options Trade Setup — PennyMac Mortgage Trust
NYSE · Mortgage REIT — Agency & Credit Risk · Low options liquidity · Mid cap · ~$1.6B
PennyMac Mortgage Trust offers a dividend yield above 10% that is partially supported by mortgage servicing rights — assets that appreciate when interest rates rise (the opposite of what hurts mortgage REIT competitors). The MSR asset provides a natural hedge in a higher-rate environment, generating servicing income that offsets the prepayment slowdown in the MBS portfolio. CRT securities provide credit exposure to high-quality conventional mortgages with yields well above Treasuries. The relationship with PennyMac Financial Services (the operating company) provides access to a leading mortgage originator and servicer, creating a structural advantage in originating and retaining high-quality MSRs. At current prices, the stock is priced below book value — a cushion that provides downside protection for income investors.
Score History & Signal Changelog
Preview dataThis page is a living document — updated every 72 hours from the last scan. Each data point below represents one complete algorithmic snapshot.
Signal Breakdown
Today's Trade Card
Options Profile
Risks & Fundamentals
Every setup carries risk. Here's what could move PMT against you, plus the key stats that frame any position.
- 1.Rate cuts would reduce MSR values and servicing income, hurting the natural hedge story
- 2.Housing price correction would impair CRT credit performance
- 3.Mortgage REIT leverage means book value can swing materially with mark-to-market rate changes
PMT Options Setup — Frequently Asked Questions
Is PMT a good options trade today?+
PennyMac Mortgage Trust (PMT) currently has an Amora Edge Score of 60/100, ranking it watching. This composite score is built from four sub-signals — EMA cross, RSI zone, relative strength vs SPY, and volume surge — each scored 0–25. The current read is a watchlist setup, so the algorithm is positioned bullish (calls / call debit spreads). A score above 65 typically warrants a trade card with stop and target; below that, the setup is on the watchlist but not actionable.
What is PMT's win rate on Stoptions.ai setups?+
PMT's historical win rate on closed Stoptions setups is 58%. Win rate is calculated as the percentage of past PMT trade cards that hit their target price before stopping out. Win rate is most meaningful once a ticker has 10+ closed trades — individual ticker rates can be noisy at smaller samples. Our portfolio-wide win rate across all closed trades is the more stable benchmark.
What strike and expiry does Stoptions.ai suggest for PMT?+
The strike and expiry are shown on the trade card at the top of this page when the setup is active. Stoptions.ai algorithmically selects strikes targeting delta 0.35–0.45 and expirations 30–45 days out, adjusted for current implied volatility rank (IVR). When IVR is high, the system favors call debit spreads to limit vega risk; when IVR is low, single-leg long calls are preferred. The card includes the contract symbol, mid-price entry, stop, and target.
How often is the PMT setup updated?+
Every 72 hours we refresh PMT's Amora Edge Score and trade card. The underlying scan runs daily at 9:00 AM ET (pre-market) and 9:30 AM ET (post-open), so any new signal change is reflected within one trading session. If PMT drops below the entry threshold or the regime shifts (e.g., SPY enters a confirmed bear), the trade card is replaced with a "no setup" notice automatically.
What does the Amora Edge Score measure for PMT?+
The Amora Edge Score is a 0–100 composite of four technical sub-signals applied to PMT: (1) EMA cross — is the 20-day above the 50-day with both trending up? (2) RSI zone — is momentum in the 50–70 sweet spot, or extended/weak? (3) Relative strength vs SPY — is PMT outperforming the market over 20 sessions? (4) Volume surge — is participation above the 20-day average? Each sub-signal contributes 0–25 points. PMT currently scores 60.
How does PMT compare to other Mortgage REIT — Agency & Credit Risk setups?+
PMT's sector rank and percentile against other Mortgage REIT — Agency & Credit Risk tickers we track is shown on the /tickers index — sortable by Amora Edge Score, win rate, or sector. For direct comparison, see the "Related Mortgage REIT — Agency & Credit Risk Options Setups" panel above. When multiple tickers in the same sector are scoring 80+, the algorithm flags the cluster as a sector rotation signal and may upweight position sizing.
Educational content only — not personalized investment advice. Options carry substantial risk.
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