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ANGEL OAK MORTGAGE REIT INC (AOMR) Stock Fundamental Analysis

NYSE:AOMR - New York Stock Exchange, Inc. - US03464Y1082 - REIT - Currency: USD

9.23  -0.09 (-0.97%)

Fundamental Rating

5

Overall AOMR gets a fundamental rating of 5 out of 10. We evaluated AOMR against 65 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. AOMR has an excellent profitability rating, but there are concerns on its financial health. AOMR is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


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.
Of the past 5 years AOMR 4 years were profitable.
The reported operating cash flow has been mixed in the past 5 years: AOMR reported negative operating cash flow in multiple 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 has a better Return On Assets (1.35%) than 87.69% of its industry peers.
The Return On Equity of AOMR (14.42%) is better than 100.00% of its industry peers.
The Return On Invested Capital of AOMR (0.71%) is better than 69.23% of its industry peers.
The Average Return On Invested Capital over the past 3 years for AOMR is in line with the industry average of 1.42%.
The 3 year average ROIC (0.64%) for AOMR is below the current ROIC(0.71%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 1.35%
ROE 14.42%
ROIC 0.71%
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 (94.36%) than 100.00% of its industry peers.
AOMR's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 55.68%, AOMR belongs to the top of the industry, outperforming 92.31% of the companies in the same industry.
AOMR's Operating Margin has improved in the last couple of years.
AOMR has a Gross Margin of 90.57%. This is amongst the best in the industry. AOMR outperforms 98.46% of its industry peers.
In the last couple of years the Gross Margin of AOMR has grown nicely.
Industry RankSector Rank
OM 55.68%
PM (TTM) 94.36%
GM 90.57%
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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1

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.
The debt/assets ratio for AOMR is higher compared to a year ago.
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 -0.20. This is a bad value and indicates that AOMR is not financially healthy and even has some risk of bankruptcy.
AOMR has a Altman-Z score (-0.20) which is comparable to the rest of the industry.
A Debt/Equity ratio of 8.40 is on the high side and indicates that AOMR has dependencies on debt financing.
AOMR has a Debt to Equity ratio of 8.40. This is amonst the worse of the industry: AOMR underperforms 86.15% of its industry peers.
Industry RankSector Rank
Debt/Equity 8.4
Debt/FCF N/A
Altman-Z -0.2
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

AOMR has a Current Ratio of 0.11. 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 Current ratio of 0.11. This is in the lower half of the industry: AOMR underperforms 60.00% of its industry peers.
A Quick Ratio of 0.11 indicates that AOMR may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.11, AOMR is doing worse than 60.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.11
Quick Ratio 0.11
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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7

3. Growth

3.1 Past

AOMR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 155.22%, which is quite impressive.
The Earnings Per Share has been growing by 42.43% on average over the past years. This is a very strong growth
AOMR shows a strong growth in Revenue. In the last year, the Revenue has grown by 25.27%.
The Revenue has been growing by 25.67% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)155.22%
EPS 3Y11.75%
EPS 5Y42.43%
EPS Q2Q%63.64%
Revenue 1Y (TTM)25.27%
Revenue growth 3Y-9.05%
Revenue growth 5Y25.67%
Sales Q2Q%17.58%

3.2 Future

AOMR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 67.41% yearly.
The Revenue is expected to decrease by -21.74% on average over the next years. This is quite bad
EPS Next Y294.4%
EPS Next 2Y117.08%
EPS Next 3Y67.41%
EPS Next 5YN/A
Revenue Next Year18.32%
Revenue Next 2Y14.57%
Revenue Next 3Y-21.74%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less 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 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

Based on the Price/Earnings ratio of 24.95, the valuation of AOMR can be described as rather expensive.
AOMR's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of AOMR to the average of the S&P500 Index (26.60), we can say AOMR is valued inline with the index average.
The Price/Forward Earnings ratio is 6.53, which indicates a rather cheap valuation of AOMR.
Based on the Price/Forward Earnings ratio, AOMR is valued cheaper than 89.23% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of AOMR to the average of the S&P500 Index (22.39), we can say AOMR is valued rather cheaply.
Industry RankSector Rank
PE 24.95
Fwd PE 6.53
AOMR Price Earnings VS Forward Price EarningsAOMR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 10 -10

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 67.41% in the coming years.
PEG (NY)0.08
PEG (5Y)0.59
EPS Next 2Y117.08%
EPS Next 3Y67.41%

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5

5. Dividend

5.1 Amount

AOMR has a Yearly Dividend Yield of 14.11%, which is a nice return.
Compared to an average industry Dividend Yield of 13.73, AOMR pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.39, AOMR pays a better dividend.
Industry RankSector Rank
Dividend Yield 14.11%

5.2 History

AOMR has been paying a dividend for over 5 years, so it has already some track record.
The dividend of AOMR decreased 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

AOMR pays out 84.29% of its income as dividend. This is not a sustainable payout ratio.
DP84.29%
EPS Next 2Y117.08%
EPS Next 3Y67.41%
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 (6/13/2025, 3:01:31 PM)

9.23

-0.09 (-0.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)05-05 2025-05-05/bmo
Earnings (Next)08-04 2025-08-04/bmo
Inst Owners74.7%
Inst Owner Change0.55%
Ins Owners2.83%
Ins Owner Change0.49%
Market Cap216.91M
Analysts81.54
Price Target12.07 (30.77%)
Short Float %0.61%
Short Ratio0.96
Dividend
Industry RankSector Rank
Dividend Yield 14.11%
Yearly Dividend1.28
Dividend Growth(5Y)N/A
DP84.29%
Div Incr Years0
Div Non Decr Years1
Ex-Date05-22 2025-05-22 (0.32)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.8%
Min EPS beat(2)-38.54%
Max EPS beat(2)54.14%
EPS beat(4)1
Avg EPS beat(4)-69.35%
Min EPS beat(4)-155.27%
Max EPS beat(4)54.14%
EPS beat(8)1
Avg EPS beat(8)-148.57%
EPS beat(12)3
Avg EPS beat(12)-181.38%
EPS beat(16)3
Avg EPS beat(16)-171.38%
Revenue beat(2)0
Avg Revenue beat(2)-12.16%
Min Revenue beat(2)-13.49%
Max Revenue beat(2)-10.82%
Revenue beat(4)0
Avg Revenue beat(4)-8.95%
Min Revenue beat(4)-13.49%
Max Revenue beat(4)-3.27%
Revenue beat(8)0
Avg Revenue beat(8)-12.73%
Revenue beat(12)0
Avg Revenue beat(12)-19.75%
Revenue beat(16)1
Avg Revenue beat(16)-19.23%
PT rev (1m)4.41%
PT rev (3m)-3.07%
EPS NQ rev (1m)-5.14%
EPS NQ rev (3m)-4.92%
EPS NY rev (1m)-7.52%
EPS NY rev (3m)-8.87%
Revenue NQ rev (1m)-6.94%
Revenue NQ rev (3m)-6.21%
Revenue NY rev (1m)-5.78%
Revenue NY rev (3m)-10%
Valuation
Industry RankSector Rank
PE 24.95
Fwd PE 6.53
P/S 5.64
P/FCF N/A
P/OCF N/A
P/B 0.86
P/tB 0.86
EV/EBITDA N/A
EPS(TTM)0.37
EY4.01%
EPS(NY)1.41
Fwd EY15.32%
FCF(TTM)-19.72
FCFYN/A
OCF(TTM)-19.72
OCFYN/A
SpS1.64
BVpS10.7
TBVpS10.7
PEG (NY)0.08
PEG (5Y)0.59
Profitability
Industry RankSector Rank
ROA 1.35%
ROE 14.42%
ROCE 0.97%
ROIC 0.71%
ROICexc 0.73%
ROICexgc 0.73%
OM 55.68%
PM (TTM) 94.36%
GM 90.57%
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-Score3
Asset Turnover0.01
Health
Industry RankSector Rank
Debt/Equity 8.4
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.31
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.11
Quick Ratio 0.11
Altman-Z -0.2
F-Score3
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)155.22%
EPS 3Y11.75%
EPS 5Y42.43%
EPS Q2Q%63.64%
EPS Next Y294.4%
EPS Next 2Y117.08%
EPS Next 3Y67.41%
EPS Next 5YN/A
Revenue 1Y (TTM)25.27%
Revenue growth 3Y-9.05%
Revenue growth 5Y25.67%
Sales Q2Q%17.58%
Revenue Next Year18.32%
Revenue Next 2Y14.57%
Revenue Next 3Y-21.74%
Revenue Next 5YN/A
EBIT growth 1Y77.21%
EBIT growth 3Y-17.55%
EBIT growth 5Y28.96%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-185.75%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-185.75%
OCF growth 3YN/A
OCF growth 5YN/A