Angel Oak Mortgage (AOMR) AI Stock Analysis

• Market Cap: $217.00M
• Dividend Yield: 14.7%
• Average Volume (3M): 130.04K
• Price to Earnings (P/E): 12.2
• Beta (1Y): 0.54
• Revenue Growth: 65.86%
• EPS Growth: -74.61%
• Country: US
• Employees: 300
• Sector: Real Estate
• Sector Strength: 53
• Industry: REIT - Mortgage
• EPS (TTM): 0.02
• Shares Outstanding: 24,914,036
• 10 Day Avg. Volume: 185,421
• 30 Day Avg. Volume: 130,037
• PEG Ratio: -0.59
• Price to Book (P/B): 0.94
• Price to Sales (P/S): 4.36
• P/FCF Ratio: -1.01
• Enterprise Value/Market Cap: 11.01
• Enterprise Value/Revenue: 41.55
• Enterprise Value/Gross Profit: 45.76
• Enterprise Value/Ebitda: 55.15
• 1Y Price Target: $9.75
• Price Target Upside: 11.94% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): 0.75
• Revenue Forecast (FY): $41.84M

• Rating: 55 Neutral
• Price Target: $9.50 ▲(9.07% Upside)

Angel Oak Mortgage's overall stock score reflects a combination of financial instability and strong earnings call performance. The low valuation and high dividend yield are attractive, but financial risks and technical indicators suggest caution.

Positive Factors

Net Interest Income Growth

Sustained growth in net interest income indicates effective portfolio management and enhances long-term profitability, supporting strategic financial goals.

Successful Securitization Activities

Successful securitization activities improve liquidity and capital efficiency, enabling further investment in high-yield assets and supporting growth.

Operating Expense Reduction

Reduced operating expenses enhance margin sustainability and operational efficiency, contributing to improved financial health and competitive positioning.

Negative Factors

Revenue Instability

Revenue instability poses risks to financial predictability and strategic planning, potentially impacting long-term growth and market confidence.

High Leverage

High leverage increases financial risk, potentially limiting flexibility and increasing vulnerability to economic downturns, affecting long-term stability.

Negative Cash Flows

Negative cash flows indicate potential liquidity challenges, affecting the company's ability to invest in growth opportunities and meet financial obligations.

Angel Oak Mortgage Business Overview & Revenue Model

Company Description

Angel Oak Mortgage, Inc., a real estate finance company, focuses on acquiring and investing in first lien non- qualified mortgage loans and other mortgage-related assets in the United States mortgage market. The company qualifies as a real estate investment trust for federal income tax purposes. It generally would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. Angel Oak Mortgage, Inc. was incorporated in 2018 and is headquartered in Atlanta, Georgia.

How the Company Makes Money

Angel Oak Mortgage generates revenue primarily through the origination and servicing of mortgage loans. The company earns income from interest on loans issued, as well as from origination fees charged to borrowers at the time of loan closing. Additionally, AOMR benefits from servicing fees collected on loans it manages over time. The company may also engage in the sale of loans to investors in the secondary mortgage market, realizing revenue from the premium earned on these transactions. Strategic partnerships with real estate agents, financial institutions, and technology providers further enhance its market reach and revenue potential.

Angel Oak Mortgage Financial Statement Overview

Summary

Angel Oak Mortgage's financial performance is mixed, with volatility in revenue and high leverage. While there are positive signs like improved net profit margins and liquidity, negative cash flows and revenue instability pose significant risks.

Income Statement

Angel Oak Mortgage's income statement shows significant volatility. The company experienced negative revenue growth in 2022 followed by a sharp recovery in 2023, but then zero revenue in 2024, indicating instability in revenue generation. The net profit margin improved in 2024, which is a positive sign, but overall, the margins have been inconsistent over the years.

Balance Sheet

The balance sheet reveals a high debt-to-equity ratio, indicating potential risk due to substantial leverage. Equity has decreased over time, reducing the equity ratio. However, the company has maintained a reasonable level of cash and short-term investments, which provides some liquidity cushion.

Cash Flow

Angel Oak Mortgage's cash flow statement exhibits significant negative operating and free cash flows in recent years, reflecting potential liquidity challenges. The operating cash flow to net income ratio is negative, showing inefficiencies in converting income into cash. Despite past positive free cash flow, recent trends are concerning.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	57.49M	51.46M	54.86M	-157.95M	41.76M	10.38M
Gross Profit	52.21M	51.46M	54.86M	-157.95M	41.76M	4.08M
EBITDA	43.31M	0.00	0.00	0.00	0.00	0.00
Net Income	17.65M	28.75M	33.71M	-187.83M	21.11M	736.00K
Balance Sheet
Total Assets	2.64B	2.27B	2.31B	2.95B	2.58B	509.66M
Cash, Cash Equivalents and Short-Term Investments	51.60M	40.76M	41.63M	29.27M	40.80M	43.57M
Total Debt	431.40M	1.77B	1.46B	1.64B	1.47B	260.39M
Total Liabilities	2.37B	2.03B	2.05B	2.71B	2.09B	261.35M
Stockholders Equity	264.17M	238.97M	256.11M	236.48M	491.39M	248.31M
Cash Flow
Free Cash Flow	-379.51M	-221.43M	306.40M	-331.13M	-1.57B	34.41M
Operating Cash Flow	-379.51M	-221.43M	306.40M	-331.13M	-1.57B	34.41M
Investing Cash Flow	55.68M	120.84M	-194.11M	664.33M	-460.48M	-52.44M
Financing Cash Flow	332.52M	98.99M	-107.66M	-345.65M	2.03B	54.80M

Angel Oak Mortgage Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 8.71
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AOMR, the sentiment is Neutral. The current price of 8.71 is above the 20-day moving average (MA) of 8.57, below the 50-day MA of 8.84, and below the 200-day MA of 8.73, indicating a neutral trend. The MACD of -0.11 indicates Negative momentum. The RSI at 52.85 is Neutral, neither overbought nor oversold. The STOCH value of 42.71 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for AOMR.

Angel Oak Mortgage Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
REFI	75 Outperform	$268.92M	7.54	11.82%	16.14%	-1.57%	-15.32%
NREF	74 Outperform	$256.08M	5.06	27.37%	15.05%	15.51%	210.91%
SEVN	66 Neutral	$141.62M	9.06	5.72%	14.16%	-18.06%	-18.94%
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
MITT	60 Neutral	$258.72M	8.76	9.03%	9.94%	20.44%	-59.21%
AOMR	55 Neutral	$217.00M	12.19	6.67%	14.70%	65.86%	-74.61%
ACRE	48 Neutral	$288.34M	―	-1.42%	15.59%	-30.60%	87.95%

Angel Oak Mortgage Corporate Events

Angel Oak Mortgage Announces Q3 2025 Results Release

On October 23, 2025, Angel Oak Mortgage REIT, Inc. announced the release date for its third quarter 2025 financial results, scheduled for November 6, 2025, before the market opens. A conference call will follow at 8:30 a.m. Eastern Time, accessible via a webcast on the company’s website. This announcement is part of the company’s ongoing efforts to maintain transparency with its stakeholders and provide insights into its financial performance.

The most recent analyst rating on (AOMR) stock is a Hold with a $9.50 price target. To see the full list of analyst forecasts on Angel Oak Mortgage stock, see the AOMR Stock Forecast page.

Angel Oak Mortgage Reduces Loan Interest Rates

On October 10, 2025, Angel Oak Mortgage REIT, Inc. and its subsidiaries amended their loan financing facility with Global Investment Bank 2, reducing the interest rate pricing spread from a range of 1.75% to 3.35% to a new range of 1.65% to 2.40%. This adjustment, based on factors such as collateral type and loan status, could potentially lower financing costs and improve the company’s competitive positioning in the market.

The most recent analyst rating on (AOMR) stock is a Hold with a $10.00 price target. To see the full list of analyst forecasts on Angel Oak Mortgage stock, see the AOMR Stock Forecast page.

Angel Oak Mortgage Secures $200M Repurchase Facility

On October 6, 2025, Angel Oak Mortgage REIT, Inc. and its subsidiary entered into a $200 million repurchase facility with a global investment bank. This agreement allows the subsidiary to sell and later repurchase securities representing whole loan assets. The deal, which expires in 2027, aligns with similar agreements in terms of advance amounts and interest rates. The agreement includes financial covenants and default events customary for such transactions, impacting the company’s financial operations and obligations.

The most recent analyst rating on (AOMR) stock is a Hold with a $10.00 price target. To see the full list of analyst forecasts on Angel Oak Mortgage stock, see the AOMR Stock Forecast page.

Angel Oak Mortgage Enters New Management Agreement

On October 1, 2025, Angel Oak Mortgage REIT, Inc. entered into a new management agreement with its external manager, Falcons I, LLC, following a strategic transaction with Brookfield Asset Management Ltd. This transaction resulted in Brookfield acquiring a majority stake in Angel Oak Companies, which is expected to accelerate Angel Oak’s growth without altering its day-to-day management or investment strategies. The new management agreement, which replaces the previous one, includes changes in reimbursement terms for the CEO’s compensation and clarifies conditions for non-renewal of the agreement. The partnership with Brookfield is anticipated to enhance Angel Oak’s operations and expand its market reach, leveraging Brookfield’s extensive credit platform.

The most recent analyst rating on (AOMR) stock is a Hold with a $10.50 price target. To see the full list of analyst forecasts on Angel Oak Mortgage stock, see the AOMR Stock Forecast page.