Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial - Chart
- Upturn Summary
- Highlights
- Valuation
- About
AOMR 
Angel Oak Mortgage Inc (AOMR)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- 1Y
- 1M
- 1W
Upturn Advisory Summary
12/24/2025: AOMR (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $11.55
1 Year Target Price $11.55
| 5 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 8.77% | Avg. Invested days 39 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/24/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 216.50M USD | Price to earnings Ratio 11.29 | 1Y Target Price 11.55 |
Price to earnings Ratio 11.29 | 1Y Target Price 11.55 | ||
Volume (30-day avg) 7 | Beta 1.28 | 52 Weeks Range 6.64 - 9.78 | Updated Date 12/26/2025 |
52 Weeks Range 6.64 - 9.78 | Updated Date 12/26/2025 | ||
Dividends yield (FY) 14.83% | Basic EPS (TTM) 0.77 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 50.86% | Operating Margin (TTM) 78.62% |
Management Effectiveness
Return on Assets (TTM) 0.71% | Return on Equity (TTM) 6.67% |
Valuation
Trailing PE 11.29 | Forward PE 6.42 | Enterprise Value 2376370944 | Price to Sales(TTM) 6.24 |
Enterprise Value 2376370944 | Price to Sales(TTM) 6.24 | ||
Enterprise Value to Revenue 68.42 | Enterprise Value to EBITDA - | Shares Outstanding 24914035 | Shares Floating 15188841 |
Shares Outstanding 24914035 | Shares Floating 15188841 | ||
Percent Insiders 4.21 | Percent Institutions 72.34 |
Upturn AI SWOT
Angel Oak Mortgage Inc
Company Overview
History and Background
Angel Oak Mortgage Inc. (NYSE: SMO) is a real estate finance company that focuses on originating, acquiring, and servicing a diverse portfolio of mortgage loans. It was incorporated in 2018, with its initial public offering (IPO) in 2019. The company has been evolving its strategy to adapt to changing market conditions and investor demands within the mortgage sector.
Core Business Areas
- Mortgage Origination: Angel Oak Mortgage originates a variety of mortgage products, including non-QM (qualified mortgage) loans, which are designed for borrowers who may not fit traditional lending criteria. This includes borrowers with unique income situations, self-employment, or lower credit scores. They aim to serve a broader segment of the housing market.
- Mortgage Servicing: The company also engages in mortgage servicing, which involves collecting mortgage payments, managing escrow accounts, and handling other administrative tasks related to mortgage loans. This generates fee income and provides a steady revenue stream.
- Portfolio Acquisition: Angel Oak Mortgage acquires existing pools of mortgage loans from other originators, further diversifying its asset base and enhancing its scale.
Leadership and Structure
Angel Oak Mortgage Inc. is led by a management team with experience in the mortgage and financial services industries. The specific members and their roles are detailed in the company's SEC filings. The organizational structure typically includes departments for origination, underwriting, servicing, risk management, and finance.
Top Products and Market Share
Key Offerings
- Competitors: Other non-bank mortgage lenders, specialized originators.
- Description: Angel Oak Mortgage is a significant player in the non-QM loan market. These loans cater to borrowers who have unique financial circumstances that make them ineligible for traditional QM loans. This includes self-employed individuals, those with fluctuating income, or borrowers with credit events in their past. The market share for non-QM loans is growing, but precise figures for Angel Oak Mortgage's specific share are not readily available due to the fragmented nature of this niche. Competitors in this space include other non-bank lenders and specialized mortgage originators.
- Market Share Data: Not publicly available as a precise percentage for Angel Oak Mortgage. The non-QM market itself is a growing segment of the overall mortgage market.
- Product Name 1: Non-QM Loans
- Competitors: Large banks, other non-bank mortgage servicers.
- Description: The company's mortgage servicing portfolio is a key asset, providing recurring revenue. The size and value of this portfolio are reported in their financial statements. Competitors in mortgage servicing are typically larger financial institutions and specialized servicing companies.
- Market Share Data: Not publicly available as a precise percentage for Angel Oak Mortgage.
- Product Name 2: Servicing Portfolio
Market Dynamics
Industry Overview
The US mortgage industry is highly cyclical and sensitive to interest rates, economic conditions, and regulatory changes. The non-QM segment, where Angel Oak Mortgage is particularly active, has grown significantly as traditional lenders have tightened standards. The industry is characterized by intense competition, technological innovation, and evolving borrower preferences.
Positioning
Angel Oak Mortgage Inc. positions itself as a specialist in non-QM lending, serving a segment of borrowers underserved by traditional banks. Its competitive advantages include its expertise in underwriting non-traditional loans, its established origination channels, and its ability to scale its servicing operations.
Total Addressable Market (TAM)
The TAM for the US mortgage market is vast, encompassing trillions of dollars in outstanding mortgage debt. The TAM for the non-QM segment, while smaller, is substantial and growing as more borrowers seek alternative financing options. Angel Oak Mortgage is positioned to capture a share of this growing non-QM market by offering tailored solutions.
Upturn SWOT Analysis
Strengths
- Specialization in the growing non-QM loan market.
- Diversified revenue streams from origination and servicing.
- Experienced management team in the mortgage sector.
- Ability to acquire loan portfolios.
Weaknesses
- Sensitivity to interest rate fluctuations, impacting loan demand and servicing values.
- Reliance on wholesale funding sources.
- Regulatory risks inherent in the mortgage industry.
- Potential for higher credit losses in the non-QM segment compared to prime mortgages.
Opportunities
- Continued growth of the non-QM market.
- Expansion into new geographic markets or loan products.
- Leveraging technology to improve efficiency and borrower experience.
- Potential for strategic partnerships or acquisitions.
Threats
- Rising interest rates reducing loan origination volume and increasing prepayment speeds.
- Increased competition from established and new entrants in the non-QM space.
- Economic downturn leading to increased delinquencies and defaults.
- Changes in government regulations impacting mortgage lending.
Competitors and Market Share
Key Competitors
- Rocket Companies Inc. (RKT)
- United Wholesale Mortgage (UWMC)
- Ally Financial Inc. (ALLY)
- LoanDepot Inc. (LDI)
Competitive Landscape
Angel Oak Mortgage Inc. faces strong competition from larger, more established mortgage lenders and brokers. Its advantage lies in its specialization in the non-QM segment, which may be less attractive to some larger competitors. However, its smaller scale compared to giants like Rocket Companies means it may have less pricing power and marketing reach. The company needs to continually innovate and manage risk effectively to maintain its competitive edge.
Growth Trajectory and Initiatives
Historical Growth: Angel Oak Mortgage's historical growth has been driven by the expansion of the non-QM market and its ability to scale its origination and servicing operations. Growth can be measured by increases in loan origination volume, servicing portfolio size, and asset growth.
Future Projections: Future growth projections would depend on factors such as prevailing interest rates, economic outlook, regulatory environment, and the company's strategic initiatives. Analyst estimates, if available, would provide a quantitative outlook.
Recent Initiatives: Recent initiatives may include strategic partnerships to expand reach, technology investments to enhance efficiency, or adjustments to product offerings to align with market demand. Specific details are typically found in company press releases and investor presentations.
Summary
Angel Oak Mortgage Inc. is positioned in the niche but growing non-QM mortgage market. Its strengths lie in its specialization and diversified revenue model. However, it faces significant threats from interest rate volatility and intense competition. Continued focus on risk management, operational efficiency, and strategic partnerships will be crucial for its future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Investor Relations Websites
- Financial News Outlets (e.g., Bloomberg, Reuters)
- Industry Analysis Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute investment advice. Market share data and financial figures are estimates and may vary. Investors should conduct their own due diligence before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Angel Oak Mortgage Inc
Exchange NYSE | Headquaters Atlanta, GA, United States | ||
IPO Launch date 2021-06-17 | President & CEO Mr. Sreeniwas Vikram Prabhu | ||
Sector Real Estate | Industry REIT - Mortgage | Full time employees - | Website https://angeloakreit.com |
Full time employees - | Website https://angeloakreit.com | ||
Angel Oak Mortgage REIT, 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. It offers investment securities; residential mortgage loans; and commercial mortgage loans. 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 REIT, Inc. was incorporated in 2018 and is headquartered in Atlanta, Georgia.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.