ANGEL OAK MORTGAGE REIT INC (AOMR) Stock Fundamental Analysis

NYSE:AOMR • US03464Y1082

8.32 USD
0 (0%)
Last: Feb 24, 2026, 03:37 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

AOMR gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 69 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. AOMR scores excellent on profitability, but there are concerns on its financial health. AOMR is evaluated to be cheap and growing strongly. This does not happen too often!


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

  • AOMR had positive earnings in the past year.
  • In the past year AOMR has reported a negative cash flow from operations.
  • AOMR had positive earnings in 4 of the past 5 years.
  • 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

  • Looking at the Return On Assets, with a value of 0.66%, AOMR is in the better half of the industry, outperforming 72.46% of the companies in the same industry.
  • AOMR has a Return On Equity of 6.62%. This is amongst the best in the industry. AOMR outperforms 88.41% of its industry peers.
  • With a decent Return On Invested Capital value of 0.75%, AOMR is doing good in the industry, outperforming 66.67% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for AOMR is in line with the industry average of 1.25%.
  • The 3 year average ROIC (0.64%) for AOMR is below the current ROIC(0.75%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 0.66%
ROE 6.62%
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's Profit Margin of 43.65% is amongst the best of the industry. AOMR outperforms 95.65% of its industry peers.
  • AOMR's Profit Margin has improved in the last couple of years.
  • AOMR has a better Operating Margin (58.50%) than 97.10% of its industry peers.
  • AOMR's Operating Margin has improved in the last couple of years.
  • AOMR has a better Gross Margin (89.81%) than 98.55% of its industry peers.
  • In the last couple of years the Gross Margin of AOMR has grown nicely.
Industry RankSector Rank
OM 58.5%
PM (TTM) 43.65%
GM 89.81%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • The number of shares outstanding for AOMR has been reduced 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 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

  • Based on the Altman-Z score of -0.08, we must say that AOMR is in the distress zone and has some risk of bankruptcy.
  • AOMR has a Altman-Z score of -0.08. This is comparable to the rest of the industry: AOMR outperforms 53.62% of its industry peers.
  • A Debt/Equity ratio of 8.37 is on the high side and indicates that AOMR has dependencies on debt financing.
  • AOMR's Debt to Equity ratio of 8.37 is on the low side compared to the rest of the industry. AOMR is outperformed by 81.16% of its industry peers.
Industry RankSector Rank
Debt/Equity 8.37
Debt/FCF N/A
Altman-Z -0.08
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 0.31. 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 0.31. This is in the better half of the industry: AOMR outperforms 65.22% of its industry peers.
  • A Quick Ratio of 0.31 indicates that AOMR may have some problems paying its short term obligations.
  • AOMR has a better Quick ratio (0.31) than 65.22% of its industry peers.
Industry RankSector Rank
Current Ratio 0.31
Quick Ratio 0.31
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. Growth

3.1 Past

  • AOMR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 292.11%, 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
  • The Revenue has grown by 13.50% in the past year. This is quite good.
  • The Revenue has been growing by 25.67% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)292.11%
EPS 3Y11.75%
EPS 5Y42.43%
EPS Q2Q%114.29%
Revenue 1Y (TTM)13.5%
Revenue growth 3Y-9.05%
Revenue growth 5Y25.67%
Sales Q2Q%12.86%

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 68.35% on average per year.
  • AOMR is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.31% yearly.
EPS Next Y100.6%
EPS Next 2Y112.65%
EPS Next 3Y68.35%
EPS Next 5YN/A
Revenue Next Year9.14%
Revenue Next 2Y13.03%
Revenue Next 3Y8.31%
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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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • AOMR is valuated reasonably with a Price/Earnings ratio of 11.40.
  • Compared to the rest of the industry, the Price/Earnings ratio of AOMR indicates a somewhat cheap valuation: AOMR is cheaper than 62.32% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.64, AOMR is valued rather cheaply.
  • AOMR is valuated cheaply with a Price/Forward Earnings ratio of 6.13.
  • AOMR's Price/Forward Earnings ratio is rather cheap when compared to the industry. AOMR is cheaper than 91.30% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of AOMR to the average of the S&P500 Index (27.75), we can say AOMR is valued rather cheaply.
Industry RankSector Rank
PE 11.4
Fwd PE 6.13
AOMR Price Earnings VS Forward Price EarningsAOMR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 68.35% in the coming years.
PEG (NY)0.11
PEG (5Y)0.27
EPS Next 2Y112.65%
EPS Next 3Y68.35%

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

5

5. Dividend

5.1 Amount

  • AOMR has a Yearly Dividend Yield of 14.27%, which is a nice return.
  • Compared to an average industry Dividend Yield of 11.22, AOMR pays a better dividend. On top of this AOMR pays more dividend than 82.61% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, AOMR pays a better dividend.
Industry RankSector Rank
Dividend Yield 14.27%

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

  • 174.30% of the earnings are spent on dividend by AOMR. This is not a sustainable payout ratio.
DP174.3%
EPS Next 2Y112.65%
EPS Next 3Y68.35%
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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Find the best dividend stocksShow peers with best dividend

ANGEL OAK MORTGAGE REIT INC

NYSE:AOMR (2/24/2026, 3:37:12 PM)

8.32

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)11-06
Earnings (Next)02-25
Inst Owners72.34%
Inst Owner Change2.21%
Ins Owners4.21%
Ins Owner Change-0.42%
Market Cap207.25M
Revenue(TTM)40.07M
Net Income(TTM)17.49M
Analysts80
Price Target11.78 (41.59%)
Short Float %0.9%
Short Ratio2.55
Dividend
Industry RankSector Rank
Dividend Yield 14.27%
Yearly Dividend1.28
Dividend Growth(5Y)N/A
DP174.3%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-77.86%
Min EPS beat(2)-93.46%
Max EPS beat(2)-62.25%
EPS beat(4)1
Avg EPS beat(4)-35.03%
Min EPS beat(4)-93.46%
Max EPS beat(4)54.14%
EPS beat(8)1
Avg EPS beat(8)-89.9%
EPS beat(12)1
Avg EPS beat(12)-208.99%
EPS beat(16)3
Avg EPS beat(16)-174.45%
Revenue beat(2)0
Avg Revenue beat(2)-8.59%
Min Revenue beat(2)-10.75%
Max Revenue beat(2)-6.43%
Revenue beat(4)0
Avg Revenue beat(4)-10.37%
Min Revenue beat(4)-13.49%
Max Revenue beat(4)-6.43%
Revenue beat(8)0
Avg Revenue beat(8)-9.24%
Revenue beat(12)0
Avg Revenue beat(12)-16.98%
Revenue beat(16)1
Avg Revenue beat(16)-18.4%
PT rev (1m)0%
PT rev (3m)-0.43%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.69%
EPS NY rev (1m)0%
EPS NY rev (3m)-32.95%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.4%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.68%
Valuation
Industry RankSector Rank
PE 11.4
Fwd PE 6.13
P/S 5.17
P/FCF N/A
P/OCF N/A
P/B 0.78
P/tB 0.78
EV/EBITDA N/A
EPS(TTM)0.73
EY8.77%
EPS(NY)1.36
Fwd EY16.31%
FCF(TTM)-15.24
FCFYN/A
OCF(TTM)-15.24
OCFYN/A
SpS1.61
BVpS10.6
TBVpS10.6
PEG (NY)0.11
PEG (5Y)0.27
Graham Number13.2
Profitability
Industry RankSector Rank
ROA 0.66%
ROE 6.62%
ROCE 0.97%
ROIC 0.75%
ROICexc 0.76%
ROICexgc 0.77%
OM 58.5%
PM (TTM) 43.65%
GM 89.81%
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%
ROICexgc growth 3Y-10.97%
ROICexgc 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 8.37
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.29
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.31
Quick Ratio 0.31
Altman-Z -0.08
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)292.11%
EPS 3Y11.75%
EPS 5Y42.43%
EPS Q2Q%114.29%
EPS Next Y100.6%
EPS Next 2Y112.65%
EPS Next 3Y68.35%
EPS Next 5YN/A
Revenue 1Y (TTM)13.5%
Revenue growth 3Y-9.05%
Revenue growth 5Y25.67%
Sales Q2Q%12.86%
Revenue Next Year9.14%
Revenue Next 2Y13.03%
Revenue Next 3Y8.31%
Revenue Next 5YN/A
EBIT growth 1Y31.48%
EBIT growth 3Y-17.55%
EBIT growth 5Y28.96%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-158.18%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-158.18%
OCF growth 3YN/A
OCF growth 5YN/A

ANGEL OAK MORTGAGE REIT INC / AOMR FAQ

What is the fundamental rating for AOMR stock?

ChartMill assigns a fundamental rating of 6 / 10 to AOMR.


What is the valuation status for AOMR stock?

ChartMill assigns a valuation rating of 7 / 10 to ANGEL OAK MORTGAGE REIT INC (AOMR). This can be considered as Undervalued.


What is the profitability of AOMR stock?

ANGEL OAK MORTGAGE REIT INC (AOMR) has a profitability rating of 8 / 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 11.4 and the Price/Book (PB) ratio is 0.78.


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 174.3%.