Angel Oak Mortgage, Inc. (AOMR) AI Stock Analysis

Angel Oak Mortgage, Inc. is a specialized real estate finance company operating in the United States, primarily focused on acquiring and investing in first lien non-qualified mortgage loans and other mortgage-related assets. Established in 2018 and headquartered in Atlanta, Georgia, the company operates as a real estate investment trust (REIT) for federal income tax purposes. By distributing at least 90% of its taxable income to shareholders, it aims to deliver shareholder value through managing and expanding its mortgage portfolio while navigating the non-qualified mortgage loan market.

AOMR generated FY2025 revenue of $132.8M, up 158.1% compared to $51.5M in FY2024 and $54.9M in FY2023. Net income improved to $44.0M in FY2025 with a net margin of 33.2%, compared to $28.8M in FY2024 and -$187.8M in FY2022. From FY2020 to FY2025, revenue achieved a 5-year CAGR of 66.5%. For the trailing twelve months, revenue was $36.4M with an operating margin of 47.9% and EPS of $0.73. In the latest quarter ended June 30, 2026, quarterly revenue grew 19.4% year-over-year, while quarterly earnings grew 366.6%.

As of June 30, 2026, the company held $48.6M in cash and short-term investments against total debt of $2.49B, resulting in net debt of $2.44B and a debt-to-equity ratio of 10.62. Total assets stood at $2.99B, shareholders' equity was $234.9M, and the current ratio was 0.15. In FY2025, operating cash flow and free cash flow were both $18.6M, while dividends paid totaled $30.9M. Over five years, the share count declined 4.2%.

Angel Oak Mortgage trades at a trailing P/E of 9.8x and a forward P/E of 5.7x, both well below the median of its US-listed Real Estate peers of 21.6x and 23.5x, respectively. Its price-to-book ratio is 0.7x, and price-to-sales is 4.9x versus the peer median of 3.7x. Over the past year, the stock fell 9.9% compared to a 16.8% return for the S&P 500 (SPY). Over five years, shares declined 21.5% while SPY gained 83.0%.

AOMR pays a forward annual dividend of $1.28 per share, representing a dividend yield of 17.80%. The company distributes dividends quarterly and has paid dividends for 6 consecutive years. The payout ratio stands at 1.6%, and the most recent ex-dividend date occurred on August 21, 2026.

Wall Street coverage consists of 4 Strong Buy ratings and 2 Hold ratings, with 0 Buy, Sell, or Strong Sell ratings. The mean price target of $10.35 implies an upside of 43.9% from the last close of $7.19 on October 16, 2026. For the current fiscal year ending December 31, 2026, analysts estimate EPS of $1.25 on revenue of $45.8M. AOMR beat EPS estimates in 2 of the last 4 quarters, and its next earnings date is November 5, 2026.

This page is an AI-written research summary of Angel Oak Mortgage, Inc. (AOMR). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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