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Upturn AI Summary - About
Angel Oak Mortgage Inc(AOMR)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for AOMR
10/09/2026: AOMR (1-star) is currently NOT-A-BUY. Pass it for now.
Angel Oak Mortgage Inc is a real estate investment trust focused on acquiring and investing in non-qualified mortgage loans. Its primary strength lies in its vertical integration with its origination affiliate, providing a consistent flow of specialized assets. The company's investment story centers on capturing yield in the non-QM market, which serves creditworthy borrowers outside traditional agency guidelines. Risks include significant exposure to interest rate volatility, credit default risks in a slowing economy, and reliance on secondary market liquidity for securitization. The stock may suit income-focused investors who understand the interest rate sensitivities inherent to mortgage REITs and are monitoring developments in housing market stability.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is a REIT focused on income generation rather than capital appreciation. |
| Momentum investor | Mixed fit | The stock's performance is highly conditional on the macro interest rate environment and credit spreads. |
| Value investor | Mixed fit | While assets may trade at discounts to book value, valuation is complex due to interest rate risk. |
| Dividend investor | Strong fit while signal remains positive | The company's primary objective is to provide recurring dividend income through its REIT structure. |
| Low-risk investor | Weak fit | High sensitivity to market volatility makes this unsuitable for low-risk portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | Mortgage REITs are inherently sensitive to fluctuations in interest rates and market sentiment. |
| Valuation risk | Medium / high | Book value can be impacted by changes in mortgage loan credit spreads and fair value adjustments. |
| Competition risk (mREIT sector) | Medium | The company competes with larger, more diversified mortgage REITs for capital and deal flow. |
| Business quality | Medium | The model relies on external management and successful securitization in the secondary market. |
| Dividend income | Medium / high | Dividends are subject to the company's ability to maintain net interest margins in varying rate environments. |
| Execution risk | Medium | Successful operation requires consistent loan origination and timely securitization execution. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -14.27% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 168.77M USD | Price to earnings Ratio 9.96 | 1Y Target Price 10.35 |
Price to earnings Ratio 9.96 | 1Y Target Price 10.35 | ||
Volume (30-day avg) 157.0K shares | Beta 1.21 | 52 Weeks Range 7.11 - 8.96 | Updated Date 10/09/2026 |
52 Weeks Range 7.11 - 8.96 | Updated Date 10/09/2026 | ||
Dividends yield (FY) 17.93% | Basic EPS (TTM) 0.73 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on non-QM mortgage loans minus interest expense on financing facilities. | The company earns the spread between the interest it collects on loans and what it pays to borrow money. |
| Securitization Gains | Gains realized from selling mortgage-backed securities to institutional investors. | The company profits by packaging loans into securities and selling them to other investors. |
Valuation
Trailing PE 9.96 | Forward PE 5.7 | Enterprise Value 2.61B | Price to Sales(TTM) 4.98 |
Enterprise Value 2.61B | Price to Sales(TTM) 4.98 | ||
Enterprise Value to Revenue 71.4 | Enterprise Value to EBITDA - | Shares Outstanding 23.21M | Shares Floating 22.64M |
Shares Outstanding 23.21M | Shares Floating 22.64M | ||
Percent Insiders 3.65 | Percent Institutions 71.14 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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