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ANGEL OAK MORTGAGE REIT INC (AOMR) Stock Fundamental Analysis

USA - NYSE:AOMR - US03464Y1082 - REIT

9.1898 USD
-0.07 (-0.76%)
Last: 10/17/2025, 2:22:06 PM
Fundamental Rating

6

Overall AOMR gets a fundamental rating of 6 out of 10. We evaluated AOMR against 66 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. While AOMR has a great profitability rating, there are quite some concerns on its financial health. AOMR is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

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8

1. Profitability

1.1 Basic Checks

AOMR had positive earnings in the past year.
AOMR had a negative operating cash flow in the past year.
AOMR had positive earnings in 4 of the past 5 years.
In multiple years AOMR reported negative operating cash flow during the last 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 0 -500M -1B -1.5B

1.2 Ratios

AOMR's Return On Assets of 1.46% is amongst the best of the industry. AOMR outperforms 90.91% of its industry peers.
AOMR has a better Return On Equity (15.14%) than 100.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.75%, AOMR is in the better half of the industry, outperforming 71.21% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for AOMR is in line with the industry average of 1.28%.
The last Return On Invested Capital (0.75%) for AOMR is above the 3 year average (0.64%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.46%
ROE 15.14%
ROIC 0.75%
ROA(3y)-1.22%
ROA(5y)-0.54%
ROE(3y)-18.1%
ROE(5y)-9.94%
ROIC(3y)0.64%
ROIC(5y)1.32%
AOMR Yearly ROA, ROE, ROICAOMR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 -20 -40 -60

1.3 Margins

AOMR has a better Profit Margin (95.86%) than 100.00% of its industry peers.
In the last couple of years the Profit Margin of AOMR has grown nicely.
The Operating Margin of AOMR (56.29%) is better than 93.94% of its industry peers.
In the last couple of years the Operating Margin of AOMR has grown nicely.
Looking at the Gross Margin, with a value of 89.51%, AOMR belongs to the top of the industry, outperforming 98.48% of the companies in the same industry.
In the last couple of years the Gross Margin of AOMR has grown nicely.
Industry RankSector Rank
OM 56.29%
PM (TTM) 95.86%
GM 89.51%
OM growth 3Y-9.35%
OM growth 5Y2.62%
PM growth 3Y21.67%
PM growth 5Y12.2%
GM growth 3Y-3.55%
GM growth 5Y2.48%
AOMR Yearly Profit, Operating, Gross MarginsAOMR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 100 -100 -200 -300

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2

2. Health

2.1 Basic Checks

AOMR has less shares outstanding than it did 1 year ago.
The number of shares outstanding for AOMR has been reduced compared to 5 years ago.
AOMR has a worse debt/assets ratio than last year.
AOMR Yearly Shares OutstandingAOMR Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 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 500M 1B 1.5B 2B 2.5B

2.2 Solvency

AOMR has an Altman-Z score of -0.15. This is a bad value and indicates that AOMR is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of -0.15, AOMR perfoms like the industry average, outperforming 46.97% of the companies in the same industry.
AOMR has a Debt/Equity ratio of 8.29. This is a high value indicating a heavy dependency on external financing.
AOMR's Debt to Equity ratio of 8.29 is on the low side compared to the rest of the industry. AOMR is outperformed by 78.79% of its industry peers.
Industry RankSector Rank
Debt/Equity 8.29
Debt/FCF N/A
Altman-Z -0.15
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 0 1B -1B

2.3 Liquidity

A Current Ratio of 0.14 indicates that AOMR may have some problems paying its short term obligations.
The Current ratio of AOMR (0.14) is comparable to the rest of the industry.
A Quick Ratio of 0.14 indicates that AOMR may have some problems paying its short term obligations.
The Quick ratio of AOMR (0.14) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.14
Quick Ratio 0.14
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 200M 400M 600M 800M 1B

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8

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 195.00% over the past year.
AOMR shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 42.43% yearly.
The Revenue has grown by 15.48% in the past year. This is quite good.
AOMR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 25.67% yearly.
EPS 1Y (TTM)195%
EPS 3Y11.75%
EPS 5Y42.43%
EPS Q2Q%222.22%
Revenue 1Y (TTM)15.48%
Revenue growth 3Y-9.05%
Revenue growth 5Y25.67%
Sales Q2Q%5.04%

3.2 Future

The Earnings Per Share is expected to grow by 69.61% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 6.81% on average over the next years.
EPS Next Y199.2%
EPS Next 2Y114.56%
EPS Next 3Y69.61%
EPS Next 5YN/A
Revenue Next Year11.2%
Revenue Next 2Y12.05%
Revenue Next 3Y6.81%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
AOMR Yearly Revenue VS EstimatesAOMR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M
AOMR Yearly EPS VS EstimatesAOMR Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 2 -2

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6

4. Valuation

4.1 Price/Earnings Ratio

AOMR is valuated correctly with a Price/Earnings ratio of 16.12.
Compared to the rest of the industry, the Price/Earnings ratio of AOMR is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 27.29. AOMR is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 6.65, the valuation of AOMR can be described as very cheap.
AOMR's Price/Forward Earnings ratio is rather cheap when compared to the industry. AOMR is cheaper than 83.33% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.85, AOMR is valued rather cheaply.
Industry RankSector Rank
PE 16.12
Fwd PE 6.65
AOMR Price Earnings VS Forward Price EarningsAOMR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

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.
The excellent profitability rating of AOMR may justify a higher PE ratio.
A more expensive valuation may be justified as AOMR's earnings are expected to grow with 69.61% in the coming years.
PEG (NY)0.08
PEG (5Y)0.38
EPS Next 2Y114.56%
EPS Next 3Y69.61%

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4

5. Dividend

5.1 Amount

AOMR has a Yearly Dividend Yield of 9.39%, which is a nice return.
AOMR's Dividend Yield is slightly below the industry average, which is at 12.06.
Compared to an average S&P500 Dividend Yield of 2.38, AOMR pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.39%

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 recently.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years1
AOMR Yearly Dividends per shareAOMR Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

80.90% of the earnings are spent on dividend by AOMR. This is not a sustainable payout ratio.
DP80.9%
EPS Next 2Y114.56%
EPS Next 3Y69.61%
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 0 -500M -1B -1.5B
AOMR Dividend Payout.AOMR Dividend Payout, showing the Payout Ratio.AOMR Dividend Payout.PayoutRetained Earnings

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ANGEL OAK MORTGAGE REIT INC

NYSE:AOMR (10/17/2025, 2:22:06 PM)

9.1898

-0.07 (-0.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)08-05 2025-08-05/bmo
Earnings (Next)11-04 2025-11-04/bmo
Inst Owners69.03%
Inst Owner Change-0.01%
Ins Owners4.61%
Ins Owner Change0.44%
Market Cap218.44M
Analysts81.54
Price Target12.16 (32.32%)
Short Float %1.09%
Short Ratio1.5
Dividend
Industry RankSector Rank
Dividend Yield 9.39%
Yearly Dividend1.28
Dividend Growth(5Y)N/A
DP80.9%
Div Incr Years0
Div Non Decr Years1
Ex-Date08-22 2025-08-22 (0.32)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-50.4%
Min EPS beat(2)-62.25%
Max EPS beat(2)-38.54%
EPS beat(4)1
Avg EPS beat(4)-50.48%
Min EPS beat(4)-155.27%
Max EPS beat(4)54.14%
EPS beat(8)1
Avg EPS beat(8)-129.64%
EPS beat(12)2
Avg EPS beat(12)-194.28%
EPS beat(16)3
Avg EPS beat(16)-170.52%
Revenue beat(2)0
Avg Revenue beat(2)-12.12%
Min Revenue beat(2)-13.49%
Max Revenue beat(2)-10.75%
Revenue beat(4)0
Avg Revenue beat(4)-10.82%
Min Revenue beat(4)-13.49%
Max Revenue beat(4)-8.23%
Revenue beat(8)0
Avg Revenue beat(8)-10.1%
Revenue beat(12)0
Avg Revenue beat(12)-19.59%
Revenue beat(16)1
Avg Revenue beat(16)-19.22%
PT rev (1m)0%
PT rev (3m)0.7%
EPS NQ rev (1m)3.45%
EPS NQ rev (3m)-4.11%
EPS NY rev (1m)0%
EPS NY rev (3m)-20%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-6%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-6.01%
Valuation
Industry RankSector Rank
PE 16.12
Fwd PE 6.65
P/S 5.61
P/FCF N/A
P/OCF N/A
P/B 0.89
P/tB 0.89
EV/EBITDA N/A
EPS(TTM)0.57
EY6.2%
EPS(NY)1.38
Fwd EY15.03%
FCF(TTM)-17.61
FCFYN/A
OCF(TTM)-17.61
OCFYN/A
SpS1.64
BVpS10.37
TBVpS10.37
PEG (NY)0.08
PEG (5Y)0.38
Profitability
Industry RankSector Rank
ROA 1.46%
ROE 15.14%
ROCE 0.98%
ROIC 0.75%
ROICexc 0.77%
ROICexgc 0.77%
OM 56.29%
PM (TTM) 95.86%
GM 89.51%
FCFM N/A
ROA(3y)-1.22%
ROA(5y)-0.54%
ROE(3y)-18.1%
ROE(5y)-9.94%
ROIC(3y)0.64%
ROIC(5y)1.32%
ROICexc(3y)0.65%
ROICexc(5y)1.4%
ROICexgc(3y)0.66%
ROICexgc(5y)1.4%
ROCE(3y)0.85%
ROCE(5y)2.27%
ROICexcg growth 3Y-10.97%
ROICexcg growth 5Y-4.36%
ROICexc growth 3Y-11.11%
ROICexc growth 5Y-4.49%
OM growth 3Y-9.35%
OM growth 5Y2.62%
PM growth 3Y21.67%
PM growth 5Y12.2%
GM growth 3Y-3.55%
GM growth 5Y2.48%
F-Score2
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 8.29
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.3
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.14
Quick Ratio 0.14
Altman-Z -0.15
F-Score2
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)195%
EPS 3Y11.75%
EPS 5Y42.43%
EPS Q2Q%222.22%
EPS Next Y199.2%
EPS Next 2Y114.56%
EPS Next 3Y69.61%
EPS Next 5YN/A
Revenue 1Y (TTM)15.48%
Revenue growth 3Y-9.05%
Revenue growth 5Y25.67%
Sales Q2Q%5.04%
Revenue Next Year11.2%
Revenue Next 2Y12.05%
Revenue Next 3Y6.81%
Revenue Next 5YN/A
EBIT growth 1Y41.15%
EBIT growth 3Y-17.55%
EBIT growth 5Y28.96%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-171.51%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-171.51%
OCF growth 3YN/A
OCF growth 5YN/A