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Angel Oak Mortgage, Inc. (AOMR)
NYSE:AOMR
Earnings Data
Report Date
May 13, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.31Last Year’s EPS
0.18Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a positive operational and financial trajectory highlighted by strong interest income and GAAP net income growth, repeated expense reductions, active securitization execution, attractive loan purchase economics, and solid credit metrics. The main concerns were the gap between GAAP and distributable earnings driven by unrealized valuation adjustments, rising prepayment speeds, intermittent securitization spread volatility, and increasing competition in the non‑QM origination market. Overall, the positives around earnings growth, funding execution, and portfolio credit performance outweigh the manageable headwinds discussed.Company Guidance
Strong Interest Income and Net Interest Income Growth
Full-year interest income increased 30% to $143.7M and net interest income increased 11% to $41.1M versus 2024; Q4 interest income was $39.0M (up 22% YoY) and Q4 net interest income was $10.9M (up 10% YoY).
Material GAAP Net Income Improvement
GAAP net income for the year was $44.0M, or $1.80 per diluted share, representing 53% growth versus $28.8M (or $1.17) in 2024; Q4 GAAP net income was $11.3M versus a prior-year Q4 net loss.
Expense Reduction and Operating Efficiency
Full-year operating expenses were $16.4M, a 15.5% decrease versus 2024; excluding non-cash stock comp and securitization costs, operating expenses fell ~15.4% to $11.5M, and Q4 operating expenses were $5.2M (or $3.0M excluding non-cash items).
Active and Successful Securitization Execution
Completed four securitizations in 2025 securitizing $704.0M UPB, called two legacy 2019 deals, completed the company's first HELOC securitization (AOMT 2025-HB2), and contributed $274.3M to AOMT 2025-10 in Q4.
Strong Loan Purchase Activity with Attractive Yields
Purchased $861.8M of loans in 2025 with a weighted average coupon of 7.79%, weighted average CLTV of 65.4% and a weighted average credit score of 756; whole loan portfolio WA coupon was 7.38%, HELOCs/closed-end seconds 9.75%.
Credit Performance and Portfolio Resilience
Total portfolio 90+ days delinquency was 2.18% at quarter-end, down 2 bps QoQ and down 25 bps YoY; management emphasized improved credit quality, conservative LTVs and outperformance vs. broader market.
Capital & Liquidity Flexibility
Ended quarter with >$41.0M cash, undrawn loan financing capacity of ~ $1.0B, a recourse debt-to-equity ratio of 1.4x, new warehouse credit facility and completed second issuance of senior unsecured notes quickly deployed into accretive assets.
Shareholder Returns
Declared a $0.32 per share common dividend payable 02/27/2026 (record date 02/20/2026).
AOMR Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
AOMR Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 25, 2026 | $8.34 | $8.32 | -0.24% |
Nov 06, 2025 | $8.51 | $8.42 | -0.99% |
Aug 05, 2025 | $8.48 | $7.79 | -8.17% |
May 05, 2025 | $8.31 | $8.51 | +2.41% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Angel Oak Mortgage, Inc. (AOMR) report earnings?
Angel Oak Mortgage, Inc. (AOMR) is schdueled to report earning on May 13, 2026, After Close (Confirmed).
What is Angel Oak Mortgage, Inc. (AOMR) earnings time?
Angel Oak Mortgage, Inc. (AOMR) earnings time is at May 13, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is AOMR EPS forecast?
AOMR EPS forecast for the fiscal quarter 2026 (Q1) is 0.31.