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

NYSE:AOMR • US03464Y1082

Current stock price

8.1 USD
-0.3 (-3.57%)
At close:
8.1 USD
0 (0%)
After Hours:

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

  • 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 the past 5 years AOMR reported 4 times negative operating cash flow.
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

  • AOMR has a better Return On Assets (1.59%) 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.
  • With a Return On Invested Capital value of 0.77%, AOMR perfoms like the industry average, outperforming 51.47% of the companies in the same 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 1.30%.
  • 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's Profit Margin of 106.62% is amongst the best of the industry. AOMR outperforms 100.00% of its industry peers.
  • In the last couple of years the Profit Margin of AOMR has grown nicely.
  • AOMR's Operating Margin of 60.00% is amongst the best of the industry. AOMR outperforms 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

  • AOMR has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, AOMR has less shares outstanding
  • 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 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 (-0.10) which is comparable to the rest of the industry.
  • AOMR has a Debt/Equity ratio of 8.51. This is a high value indicating a heavy dependency on external financing.
  • AOMR has a worse Debt to Equity ratio (8.51) than 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

  • A Current Ratio of 0.20 indicates that AOMR may have some problems paying its short term obligations.
  • The Current ratio of AOMR (0.20) is better than 61.76% of its industry peers.
  • A Quick Ratio of 0.20 indicates that AOMR may have some problems paying its short term obligations.
  • AOMR has a better Quick ratio (0.20) than 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

  • AOMR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 100.00%, which is quite impressive.
  • The Earnings Per Share has been growing by 126.88% on average over the past years. This is a very strong growth
  • AOMR shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.31%.
  • Measured over the past years, AOMR shows a small growth in Revenue. The Revenue has been growing by 4.29% on average per year.
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 33.51% yearly.
  • AOMR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.52% yearly.
EPS Next Y125.76%
EPS Next 2Y53.94%
EPS Next 3Y33.51%
EPS Next 5YN/A
Revenue Next Year14.97%
Revenue Next 2Y7.96%
Revenue Next 3Y4.52%
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

  • With a Price/Earnings ratio of 13.50, AOMR is valued correctly.
  • 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 (25.23), we can say AOMR is valued slightly cheaper.
  • The Price/Forward Earnings ratio is 5.98, which indicates a rather cheap valuation of AOMR.
  • Based on the Price/Forward Earnings ratio, AOMR is valued cheaply inside the industry as 91.18% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of AOMR to the average of the S&P500 Index (23.28), we can say AOMR is valued rather cheaply.
Industry RankSector Rank
PE 13.5
Fwd PE 5.98
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The decent 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 33.51% in the coming years.
PEG (NY)0.11
PEG (5Y)0.11
EPS Next 2Y53.94%
EPS Next 3Y33.51%

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

5

5. AOMR Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 15.24%, AOMR is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 11.50, AOMR pays a better dividend. On top of this AOMR pays more dividend than 89.71% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, AOMR pays a better dividend.
Industry RankSector Rank
Dividend Yield 15.24%

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 2026 0.5 1 1.5

5.3 Sustainability

  • 70.60% of the earnings are spent on dividend by AOMR. This is not a sustainable payout ratio.
DP70.6%
EPS Next 2Y53.94%
EPS Next 3Y33.51%
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 (3/20/2026, 8:04:00 PM)

After market: 8.1 0 (0%)

8.1

-0.3 (-3.57%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-25
Earnings (Next)05-04
Inst Owners74.3%
Inst Owner Change0.95%
Ins Owners4.21%
Ins Owner Change0.03%
Market Cap201.77M
Revenue(TTM)41.10M
Net Income(TTM)43.82M
Analysts80
Price Target11.78 (45.43%)
Short Float %1.23%
Short Ratio3.25
Dividend
Industry RankSector Rank
Dividend Yield 15.24%
Yearly Dividend1.28
Dividend Growth(5Y)N/A
DP70.6%
Div Incr Years0
Div Non Decr Years1
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%
PT rev (3m)0%
EPS NQ rev (1m)-4%
EPS NQ rev (3m)-4%
EPS NY rev (1m)-0.15%
EPS NY rev (3m)0.61%
Revenue NQ rev (1m)-1.84%
Revenue NQ rev (3m)-1.84%
Revenue NY rev (1m)-1.78%
Revenue NY rev (3m)-1.83%
Valuation
Industry RankSector Rank
PE 13.5
Fwd PE 5.98
P/S 4.91
P/FCF N/A
P/OCF N/A
P/B 0.75
P/tB 0.75
EV/EBITDA N/A
EPS(TTM)0.6
EY7.41%
EPS(NY)1.35
Fwd EY16.72%
FCF(TTM)-16.34
FCFYN/A
OCF(TTM)-16.34
OCFYN/A
SpS1.65
BVpS10.74
TBVpS10.74
PEG (NY)0.11
PEG (5Y)0.11
Graham Number12.04
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 Y125.76%
EPS Next 2Y53.94%
EPS Next 3Y33.51%
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 3Y4.52%
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 4 / 10 to AOMR.


What is the valuation status for AOMR stock?

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


What is the profitability of AOMR stock?

ANGEL OAK MORTGAGE REIT INC (AOMR) has a profitability rating of 6 / 10.


What are the PE and PB ratios of ANGEL OAK MORTGAGE REIT INC (AOMR) stock?

The Price/Earnings (PE) ratio for ANGEL OAK MORTGAGE REIT INC (AOMR) is 13.5 and the Price/Book (PB) ratio is 0.75.


How sustainable is the dividend of ANGEL OAK MORTGAGE REIT INC (AOMR) stock?

The dividend rating of ANGEL OAK MORTGAGE REIT INC (AOMR) is 5 / 10 and the dividend payout ratio is 70.6%.