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ANGEL OAK MORTGAGE REIT INC (AOMR) Stock Fundamental Analysis

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

9.73  +0.15 (+1.57%)

After market: 9.61 -0.12 (-1.23%)

Fundamental Rating

4

AOMR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 64 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. While AOMR is still in line with the averages on profitability rating, there are concerns on its financial health. AOMR has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

In the past year AOMR was profitable.
In the past year AOMR has reported a negative cash flow from operations.
In multiple years AOMR reported negative net income over the last 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 0 -500M -1B -1.5B

1.2 Ratios

AOMR has a Return On Assets of 3.14%. This is amongst the best in the industry. AOMR outperforms 95.31% of its industry peers.
AOMR's Return On Equity of 27.31% is amongst the best of the industry. AOMR outperforms 100.00% of its industry peers.
The Return On Invested Capital of AOMR (0.67%) is comparable to the rest of the industry.
AOMR had an Average Return On Invested Capital over the past 3 years of 0.74%. This is in line with the industry average of 1.76%.
Industry RankSector Rank
ROA 3.14%
ROE 27.31%
ROIC 0.67%
ROA(3y)-1.37%
ROA(5y)-0.57%
ROE(3y)-20.66%
ROE(5y)-11.26%
ROIC(3y)0.74%
ROIC(5y)1.36%
AOMR Yearly ROA, ROE, ROICAOMR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 0 -20 -40 -60

1.3 Margins

AOMR has a better Profit Margin (205.10%) than 100.00% of its industry peers.
AOMR's Profit Margin has improved in the last couple of years.
AOMR's Operating Margin of 50.50% is amongst the best of the industry. AOMR outperforms 92.19% of its industry peers.
AOMR's Operating Margin has declined in the last couple of years.
The Gross Margin of AOMR (95.07%) is better than 100.00% of its industry peers.
In the last couple of years the Gross Margin of AOMR has declined.
Industry RankSector Rank
OM 50.5%
PM (TTM) 205.1%
GM 95.07%
OM growth 3Y-23.18%
OM growth 5YN/A
PM growth 3Y277.94%
PM growth 5YN/A
GM growth 3Y-0.36%
GM growth 5Y-1.78%
AOMR Yearly Profit, Operating, Gross MarginsAOMR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 0 100 -100 -200 -300

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1

2. Health

2.1 Basic Checks

AOMR has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
AOMR Yearly Shares OutstandingAOMR Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 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 500M 1B 1.5B 2B 2.5B

2.2 Solvency

AOMR has an Altman-Z score of -0.14. 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 -0.14, AOMR is in line with its industry, outperforming 43.75% of the companies in the same industry.
AOMR has a Debt/Equity ratio of 6.93. This is a high value indicating a heavy dependency on external financing.
AOMR has a worse Debt to Equity ratio (6.93) than 71.88% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.93
Debt/FCF N/A
Altman-Z -0.14
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 0 1B -1B

2.3 Liquidity

AOMR has a Current Ratio of 0.16. 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 0.16. This is comparable to the rest of the industry: AOMR outperforms 42.19% of its industry peers.
AOMR has a Quick Ratio of 0.16. 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 Quick ratio (0.16) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.16
Quick Ratio 0.16
AOMR Yearly Current Assets VS Current LiabilitesAOMR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 126.09% over the past year.
EPS 1Y (TTM)126.09%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%261.54%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%286.77%

3.2 Future

AOMR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 117.20% yearly.
Based on estimates for the next years, AOMR will show a quite strong growth in Revenue. The Revenue will grow by 16.64% on average per year.
EPS Next Y332.77%
EPS Next 2Y117.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year31.46%
Revenue Next 2Y16.64%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

AOMR Yearly Revenue VS EstimatesAOMR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M
AOMR Yearly EPS VS EstimatesAOMR Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 2 -2

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 32.43, AOMR can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of AOMR indicates a slightly more expensive valuation: AOMR is more expensive than 62.50% of the companies listed in the same industry.
AOMR's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 29.35.
The Price/Forward Earnings ratio is 7.49, which indicates a rather cheap valuation of AOMR.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AOMR indicates a rather cheap valuation: AOMR is cheaper than 84.38% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of AOMR to the average of the S&P500 Index (22.10), we can say AOMR is valued rather cheaply.
Industry RankSector Rank
PE 32.43
Fwd PE 7.49
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

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.
AOMR has a very decent profitability rating, which may justify a higher PE ratio.
AOMR's earnings are expected to grow with 117.20% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.1
PEG (5Y)N/A
EPS Next 2Y117.2%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

AOMR has a Yearly Dividend Yield of 13.36%, which is a nice return.
Compared to an average industry Dividend Yield of 12.68, AOMR pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.33, AOMR pays a better dividend.
Industry RankSector Rank
Dividend Yield 13.36%

5.2 History

AOMR has been paying a dividend for over 5 years, so it has already some track record.
The dividend of AOMR decreased 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 43.56% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP43.56%
EPS Next 2Y117.2%
EPS Next 3YN/A
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 0 -500M -1B -1.5B
AOMR Dividend Payout.AOMR Dividend Payout, showing the Payout Ratio.AOMR Dividend Payout.PayoutRetained Earnings

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ANGEL OAK MORTGAGE REIT INC

NYSE:AOMR (3/7/2025, 8:05:05 PM)

After market: 9.61 -0.12 (-1.23%)

9.73

+0.15 (+1.57%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)03-04 2025-03-04/bmo
Earnings (Next)N/A N/A
Inst Owners74.7%
Inst Owner Change-1.98%
Ins Owners2.83%
Ins Owner Change0.05%
Market Cap228.66M
Analysts80
Price Target12.45 (27.95%)
Short Float %0.38%
Short Ratio0.65
Dividend
Industry RankSector Rank
Dividend Yield 13.36%
Yearly Dividend1.28
Dividend Growth(5Y)N/A
DP43.56%
Div Incr Years0
Div Non Decr Years1
Ex-Date02-21 2025-02-21 (0.32)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-146.49%
Min EPS beat(2)-155.27%
Max EPS beat(2)-137.71%
EPS beat(4)0
Avg EPS beat(4)-144.77%
Min EPS beat(4)-243.61%
Max EPS beat(4)-42.48%
EPS beat(8)0
Avg EPS beat(8)-295.97%
EPS beat(12)2
Avg EPS beat(12)-220.92%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-5.75%
Min Revenue beat(2)-8.23%
Max Revenue beat(2)-3.27%
Revenue beat(4)0
Avg Revenue beat(4)-8.1%
Min Revenue beat(4)-10.65%
Max Revenue beat(4)-3.27%
Revenue beat(8)0
Avg Revenue beat(8)-20.29%
Revenue beat(12)1
Avg Revenue beat(12)-21.07%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.21%
EPS NY rev (1m)0%
EPS NY rev (3m)-18.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.21%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.93%
Valuation
Industry RankSector Rank
PE 32.43
Fwd PE 7.49
P/S 6.48
P/FCF N/A
P/OCF N/A
P/B 0.86
P/tB 0.86
EV/EBITDA N/A
EPS(TTM)0.3
EY3.08%
EPS(NY)1.3
Fwd EY13.34%
FCF(TTM)-9.75
FCFYN/A
OCF(TTM)-9.75
OCFYN/A
SpS1.5
BVpS11.28
TBVpS11.28
PEG (NY)0.1
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 3.14%
ROE 27.31%
ROCE 0.89%
ROIC 0.67%
ROICexc 0.68%
ROICexgc 0.69%
OM 50.5%
PM (TTM) 205.1%
GM 95.07%
FCFM N/A
ROA(3y)-1.37%
ROA(5y)-0.57%
ROE(3y)-20.66%
ROE(5y)-11.26%
ROIC(3y)0.74%
ROIC(5y)1.36%
ROICexc(3y)0.75%
ROICexc(5y)1.44%
ROICexgc(3y)0.76%
ROICexgc(5y)1.44%
ROCE(3y)1.1%
ROCE(5y)2.53%
ROICexcg growth 3Y-53.83%
ROICexcg growth 5YN/A
ROICexc growth 3Y-53.92%
ROICexc growth 5YN/A
OM growth 3Y-23.18%
OM growth 5YN/A
PM growth 3Y277.94%
PM growth 5YN/A
GM growth 3Y-0.36%
GM growth 5Y-1.78%
F-Score6
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 6.93
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.28
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.16
Quick Ratio 0.16
Altman-Z -0.14
F-Score6
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)126.09%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%261.54%
EPS Next Y332.77%
EPS Next 2Y117.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%286.77%
Revenue Next Year31.46%
Revenue Next 2Y16.64%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y139.95%
EBIT growth 3Y-26.74%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y82.76%
FCF growth 3Y107.27%
FCF growth 5YN/A
OCF growth 1Y82.76%
OCF growth 3Y107.27%
OCF growth 5YN/A