ANGEL OAK MORTGAGE REIT INC (AOMR) Fundamental Analysis & Valuation

NYSE:AOMR • US03464Y1082

Current stock price

9.1 USD
+0.17 (+1.9%)
Last:

This AOMR fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. AOMR Profitability Analysis

1.1 Basic Checks

  • In the past year AOMR was profitable.
  • In the past year AOMR has reported a negative cash flow from operations.
  • Of the past 5 years AOMR 4 years were profitable.
  • AOMR had negative operating cash flow in 4 of the past 5 years.
AOMR Yearly Net Income VS EBIT VS OCF VS FCFAOMR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 2025 0 -500M -1B -1.5B

1.2 Ratios

  • The Return On Assets of AOMR (1.59%) is better than 92.65% of its industry peers.
  • With an excellent Return On Equity value of 16.38%, AOMR belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • The Return On Invested Capital of AOMR (0.77%) is comparable to the rest of the industry.
  • AOMR had an Average Return On Invested Capital over the past 3 years of 0.62%. This is in line with the industry average of 1.29%.
  • The last Return On Invested Capital (0.77%) for AOMR is above the 3 year average (0.62%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.59%
ROE 16.38%
ROIC 0.77%
ROA(3y)1.44%
ROA(5y)-0.25%
ROE(3y)13.84%
ROE(5y)-6.72%
ROIC(3y)0.62%
ROIC(5y)0.74%
AOMR Yearly ROA, ROE, ROICAOMR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 2025 0 -20 -40 -60

1.3 Margins

  • AOMR has a better Profit Margin (106.62%) than 100.00% of its industry peers.
  • AOMR's Profit Margin has improved in the last couple of years.
  • The Operating Margin of AOMR (60.00%) is better than 97.06% of its industry peers.
  • In the last couple of years the Operating Margin of AOMR has declined.
  • The Gross Margin of AOMR (91.32%) is better than 98.53% of its industry peers.
  • AOMR's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 60%
PM (TTM) 106.62%
GM 91.32%
OM growth 3Y15.3%
OM growth 5Y-3.32%
PM growth 3YN/A
PM growth 5Y118.12%
GM growth 3Y-0.97%
GM growth 5Y-0.24%
AOMR Yearly Profit, Operating, Gross MarginsAOMR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 2025 0 100 -100 -200 -300

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2

2. AOMR Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for AOMR has been increased compared to 1 year ago.
  • The number of shares outstanding for AOMR has been reduced compared to 5 years ago.
  • Compared to 1 year ago, AOMR has a worse debt to assets ratio.
AOMR Yearly Shares OutstandingAOMR Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
AOMR Yearly Total Debt VS Total AssetsAOMR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • Based on the Altman-Z score of -0.10, we must say that AOMR is in the distress zone and has some risk of bankruptcy.
  • AOMR has a Altman-Z score of -0.10. This is comparable to the rest of the industry: AOMR outperforms 58.82% of its industry peers.
  • AOMR has a Debt/Equity ratio of 8.51. This is a high value indicating a heavy dependency on external financing.
  • AOMR's Debt to Equity ratio of 8.51 is on the low side compared to the rest of the industry. AOMR is outperformed by 80.88% of its industry peers.
Industry RankSector Rank
Debt/Equity 8.51
Debt/FCF N/A
Altman-Z -0.1
ROIC/WACCN/A
WACCN/A
AOMR Yearly LT Debt VS Equity VS FCFAOMR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B

2.3 Liquidity

  • AOMR has a Current Ratio of 0.20. This is a bad value and indicates that AOMR is not financially healthy enough and could expect problems in meeting its short term obligations.
  • AOMR has a better Current ratio (0.20) than 61.76% of its industry peers.
  • AOMR has a Quick Ratio of 0.20. This is a bad value and indicates that AOMR is not financially healthy enough and could expect problems in meeting its short term obligations.
  • AOMR's Quick ratio of 0.20 is fine compared to the rest of the industry. AOMR outperforms 61.76% of its industry peers.
Industry RankSector Rank
Current Ratio 0.2
Quick Ratio 0.2
AOMR Yearly Current Assets VS Current LiabilitesAOMR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. AOMR Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 100.00% over the past year.
  • AOMR shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 126.88% yearly.
  • AOMR shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.31%.
  • AOMR shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.29% yearly.
EPS 1Y (TTM)100%
EPS 3YN/A
EPS 5Y126.88%
EPS Q2Q%-30.95%
Revenue 1Y (TTM)11.31%
Revenue growth 3Y-7.85%
Revenue growth 5Y4.29%
Sales Q2Q%10.44%

3.2 Future

  • AOMR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 36.01% yearly.
  • AOMR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.51% yearly.
EPS Next Y124.06%
EPS Next 2Y53.94%
EPS Next 3Y36.01%
EPS Next 5YN/A
Revenue Next Year14.97%
Revenue Next 2Y7.96%
Revenue Next 3Y3.51%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
AOMR Yearly Revenue VS EstimatesAOMR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20M 40M 60M
AOMR Yearly EPS VS EstimatesAOMR Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 0 2 -2

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6

4. AOMR Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 15.17, which indicates a correct valuation of AOMR.
  • AOMR's Price/Earnings is on the same level as the industry average.
  • AOMR's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.42.
  • Based on the Price/Forward Earnings ratio of 6.77, the valuation of AOMR can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of AOMR indicates a rather cheap valuation: AOMR is cheaper than 86.76% of the companies listed in the same industry.
  • AOMR is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.24, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 15.17
Fwd PE 6.77
AOMR Price Earnings VS Forward Price EarningsAOMR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
AOMR Per share dataAOMR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10 -10 -15

4.3 Compensation for Growth

  • AOMR's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • AOMR has a very decent profitability rating, which may justify a higher PE ratio.
  • AOMR's earnings are expected to grow with 36.01% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.12
PEG (5Y)0.12
EPS Next 2Y53.94%
EPS Next 3Y36.01%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. AOMR Dividend Analysis

5.1 Amount

  • AOMR has a Yearly Dividend Yield of 14.33%, which is a nice return.
  • AOMR's Dividend Yield is a higher than the industry average which is at 12.54.
  • Compared to an average S&P500 Dividend Yield of 1.81, AOMR pays a better dividend.
Industry RankSector Rank
Dividend Yield 14.33%

5.2 History

  • AOMR has been paying a dividend for over 5 years, so it has already some track record.
  • AOMR has decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years2
AOMR Yearly Dividends per shareAOMR Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • AOMR pays out 70.60% of its income as dividend. This is not a sustainable payout ratio.
DP70.6%
EPS Next 2Y53.94%
EPS Next 3Y36.01%
AOMR Yearly Income VS Free CF VS DividendAOMR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 2024 2025 0 -500M -1B -1.5B
AOMR Dividend Payout.AOMR Dividend Payout, showing the Payout Ratio.AOMR Dividend Payout.PayoutRetained Earnings

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AOMR Fundamentals: All Metrics, Ratios and Statistics

ANGEL OAK MORTGAGE REIT INC

NYSE:AOMR (4/24/2026, 8:21:22 PM)

9.1

+0.17 (+1.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-25
Earnings (Next)05-05
Inst Owners72.46%
Inst Owner Change0.09%
Ins Owners2.95%
Ins Owner Change0.03%
Market Cap226.68M
Revenue(TTM)41.10M
Net Income(TTM)43.82M
Analysts80
Price Target11.79 (29.56%)
Short Float %1.57%
Short Ratio4.11
Dividend
Industry RankSector Rank
Dividend Yield 14.33%
Yearly Dividend1.28
Dividend Growth(5Y)N/A
DP70.6%
Div Incr Years0
Div Non Decr Years2
Ex-Date02-20
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-47.37%
Min EPS beat(2)-93.46%
Max EPS beat(2)-1.28%
EPS beat(4)0
Avg EPS beat(4)-48.89%
Min EPS beat(4)-93.46%
Max EPS beat(4)-1.28%
EPS beat(8)1
Avg EPS beat(8)-59.61%
EPS beat(12)1
Avg EPS beat(12)-135.58%
EPS beat(16)3
Avg EPS beat(16)-170.17%
Revenue beat(2)0
Avg Revenue beat(2)-5.32%
Min Revenue beat(2)-6.43%
Max Revenue beat(2)-4.21%
Revenue beat(4)0
Avg Revenue beat(4)-8.72%
Min Revenue beat(4)-13.49%
Max Revenue beat(4)-4.21%
Revenue beat(8)0
Avg Revenue beat(8)-8.48%
Revenue beat(12)0
Avg Revenue beat(12)-13.41%
Revenue beat(16)0
Avg Revenue beat(16)-19%
PT rev (1m)0.11%
PT rev (3m)0.11%
EPS NQ rev (1m)-1.28%
EPS NQ rev (3m)-5.23%
EPS NY rev (1m)-0.75%
EPS NY rev (3m)-0.9%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.84%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.78%
Valuation
Industry RankSector Rank
PE 15.17
Fwd PE 6.77
P/S 5.52
P/FCF N/A
P/OCF N/A
P/B 0.85
P/tB 0.85
EV/EBITDA N/A
EPS(TTM)0.6
EY6.59%
EPS(NY)1.34
Fwd EY14.77%
FCF(TTM)-16.34
FCFYN/A
OCF(TTM)-16.34
OCFYN/A
SpS1.65
BVpS10.74
TBVpS10.74
PEG (NY)0.12
PEG (5Y)0.12
Graham Number12.0409 (32.32%)
Profitability
Industry RankSector Rank
ROA 1.59%
ROE 16.38%
ROCE 0.99%
ROIC 0.77%
ROICexc 0.78%
ROICexgc 0.78%
OM 60%
PM (TTM) 106.62%
GM 91.32%
FCFM N/A
ROA(3y)1.44%
ROA(5y)-0.25%
ROE(3y)13.84%
ROE(5y)-6.72%
ROIC(3y)0.62%
ROIC(5y)0.74%
ROICexc(3y)0.63%
ROICexc(5y)0.75%
ROICexgc(3y)0.63%
ROICexgc(5y)0.76%
ROCE(3y)0.81%
ROCE(5y)1.04%
ROICexgc growth 3Y-3.11%
ROICexgc growth 5Y-27.92%
ROICexc growth 3Y-3.03%
ROICexc growth 5Y-27.99%
OM growth 3Y15.3%
OM growth 5Y-3.32%
PM growth 3YN/A
PM growth 5Y118.12%
GM growth 3Y-0.97%
GM growth 5Y-0.24%
F-Score4
Asset Turnover0.01
Health
Industry RankSector Rank
Debt/Equity 8.51
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.26
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.2
Quick Ratio 0.2
Altman-Z -0.1
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)100%
EPS 3YN/A
EPS 5Y126.88%
EPS Q2Q%-30.95%
EPS Next Y124.06%
EPS Next 2Y53.94%
EPS Next 3Y36.01%
EPS Next 5YN/A
Revenue 1Y (TTM)11.31%
Revenue growth 3Y-7.85%
Revenue growth 5Y4.29%
Sales Q2Q%10.44%
Revenue Next Year14.97%
Revenue Next 2Y7.96%
Revenue Next 3Y3.51%
Revenue Next 5YN/A
EBIT growth 1Y35.06%
EBIT growth 3Y6.25%
EBIT growth 5Y0.82%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-83.75%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-83.75%
OCF growth 3YN/A
OCF growth 5YN/A

ANGEL OAK MORTGAGE REIT INC / AOMR Fundamental Analysis FAQ

What is the fundamental rating for AOMR stock?

ChartMill assigns a fundamental rating of 5 / 10 to AOMR.


Can you provide the valuation status for ANGEL OAK MORTGAGE REIT INC?

ChartMill assigns a valuation rating of 6 / 10 to ANGEL OAK MORTGAGE REIT INC (AOMR). This can be considered as Fairly Valued.


How profitable is ANGEL OAK MORTGAGE REIT INC (AOMR) stock?

ANGEL OAK MORTGAGE REIT INC (AOMR) has a profitability rating of 7 / 10.


Can you provide the financial health for AOMR stock?

The financial health rating of ANGEL OAK MORTGAGE REIT INC (AOMR) is 2 / 10.


What is the earnings growth outlook for ANGEL OAK MORTGAGE REIT INC?

The Earnings per Share (EPS) of ANGEL OAK MORTGAGE REIT INC (AOMR) is expected to grow by 124.06% in the next year.