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ANGEL OAK MORTGAGE REIT INC (AOMR) Stock Fundamental Analysis

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

9.17  -0.15 (-1.61%)

After market: 9.32 +0.15 (+1.64%)

Fundamental Rating

5

Taking everything into account, AOMR scores 5 out of 10 in our fundamental rating. AOMR was compared to 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

8

1. Profitability

1.1 Basic Checks

In the past year AOMR was profitable.
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's Return On Assets of 1.35% is amongst the best of the industry. AOMR outperforms 87.69% of its industry peers.
AOMR has a Return On Equity of 14.42%. This is amongst the best in the industry. AOMR outperforms 100.00% of its industry peers.
AOMR has a Return On Invested Capital of 0.71%. This is in the better half of the industry: AOMR outperforms 69.23% of its industry peers.
AOMR had an Average Return On Invested Capital over the past 3 years of 0.64%. This is in line with the industry average of 1.42%.
The last Return On Invested Capital (0.71%) for AOMR is above the 3 year average (0.64%), which is a sign of increasing profitability.
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

With an excellent Profit Margin value of 94.36%, AOMR belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
AOMR's Profit Margin has improved in the last couple of years.
AOMR has a better Operating Margin (55.68%) than 92.31% of its industry peers.
AOMR's Operating Margin has improved in the last couple of years.
AOMR has a better Gross Margin (90.57%) than 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

1

2. Health

2.1 Basic Checks

The number of shares outstanding for AOMR has been reduced compared to 1 year ago.
AOMR has less shares outstanding than it did 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 -0.20. This is a bad value and indicates that AOMR is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -0.20, AOMR is in line with its industry, outperforming 46.15% of the companies in the same industry.
A Debt/Equity ratio of 8.40 is on the high side and indicates that AOMR has dependencies on debt financing.
With a Debt to Equity ratio value of 8.40, AOMR is not doing good in the industry: 86.15% of the companies in the same industry are doing better.
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.
With a Current ratio value of 0.11, AOMR is not doing good in the industry: 60.00% of the companies in the same industry are doing better.
A Quick Ratio of 0.11 indicates that AOMR may have some problems paying its short term obligations.
AOMR's Quick ratio of 0.11 is on the low side compared to the rest of the industry. AOMR is outperformed by 60.00% of its industry peers.
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

7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 155.22% over the past year.
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%.
AOMR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 25.67% yearly.
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

Based on estimates for the next years, AOMR will show a very strong growth in Earnings Per Share. The EPS will grow by 67.41% on average per year.
Based on estimates for the next years, AOMR will show a very negative growth in Revenue. The Revenue will decrease by -21.74% on average per year.
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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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

6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 24.78, the valuation of AOMR can be described as rather expensive.
AOMR's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.31, AOMR is valued at the same level.
With a Price/Forward Earnings ratio of 6.49, the valuation of AOMR can be described as very cheap.
Based on the Price/Forward Earnings ratio, AOMR is valued cheaply inside the industry as 89.23% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.13, AOMR is valued rather cheaply.
Industry RankSector Rank
PE 24.78
Fwd PE 6.49
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

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
AOMR has an outstanding profitability rating, which may justify a higher PE ratio.
AOMR's earnings are expected to grow with 67.41% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.08
PEG (5Y)0.58
EPS Next 2Y117.08%
EPS Next 3Y67.41%

5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 13.73%, AOMR is a good candidate for dividend investing.
AOMR's Dividend Yield is a higher than the industry average which is at 12.57.
AOMR's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 13.73%

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

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

ANGEL OAK MORTGAGE REIT INC

NYSE:AOMR (6/13/2025, 8:04:01 PM)

After market: 9.32 +0.15 (+1.64%)

9.17

-0.15 (-1.61%)

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 Owners73.13%
Inst Owner Change0.55%
Ins Owners4.45%
Ins Owner Change0.49%
Market Cap215.50M
Analysts81.54
Price Target12.07 (31.62%)
Short Float %0.61%
Short Ratio0.96
Dividend
Industry RankSector Rank
Dividend Yield 13.73%
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)-2.03%
EPS NQ rev (3m)-4.7%
EPS NY rev (1m)0%
EPS NY rev (3m)-8.87%
Revenue NQ rev (1m)-6.94%
Revenue NQ rev (3m)-6.94%
Revenue NY rev (1m)-5.78%
Revenue NY rev (3m)-10%
Valuation
Industry RankSector Rank
PE 24.78
Fwd PE 6.49
P/S 5.61
P/FCF N/A
P/OCF N/A
P/B 0.86
P/tB 0.86
EV/EBITDA N/A
EPS(TTM)0.37
EY4.03%
EPS(NY)1.41
Fwd EY15.42%
FCF(TTM)-19.72
FCFYN/A
OCF(TTM)-19.72
OCFYN/A
SpS1.64
BVpS10.7
TBVpS10.7
PEG (NY)0.08
PEG (5Y)0.58
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