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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
11/06/2026: AOMR (1-star) is currently NOT-A-BUY. Pass it for now.
Angel Oak Mortgage Inc is a residential mortgage REIT that specializes in acquiring and investing in non-qualified mortgage loans. The company’s primary strength lies in its access to a proprietary origination platform, which allows it to target higher yields within the non-agency mortgage sector. While the company offers a potential income stream for dividend-focused investors, it remains sensitive to interest rate fluctuations and credit risks inherent in non-traditional mortgage lending. The main investment risks include potential book value volatility, high leverage, and reliance on secondary market conditions. Investors should monitor the company’s securitization activity and its ability to maintain healthy interest rate spreads in a changing economic environment.
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 | AOMR is primarily an income-oriented REIT rather than a high-growth capital appreciation stock. |
| Momentum investor | Mixed fit | Momentum is conditional on a sustained upturn in the housing and non-QM mortgage sectors. |
| Value investor | Mixed fit | Valuation relative to book value can be attractive, but the business requires deep credit cycle analysis. |
| Dividend investor | Strong fit | The REIT structure is specifically designed to distribute earnings as dividends to shareholders. |
| Low-risk investor | Weak fit | Mortgage REITs carry inherent leverage and interest rate risks that are not suitable for low-risk profiles. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The market price of AOMR fluctuates significantly due to changes in mortgage rates and market credit spreads. |
| Valuation risk | Medium / high | Book value can be volatile based on the mark-to-market performance of the mortgage portfolio. |
| Competition risk (Non-QM lending) | Medium | Increased competition from other non-bank lenders can compress margins on new loan acquisitions. |
| Business quality | Medium | The business relies on a specific market segment and external management, which impacts operational transparency. |
| Dividend income | Medium / high | Dividend payouts are subject to earnings performance and are not guaranteed. |
| Execution risk | Medium | Effective management of interest rate hedges and securitization timing is crucial for profitability. |
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 11/06/2026 |
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 144.35M USD | Price to earnings Ratio - | 1Y Target Price 9.75 |
Price to earnings Ratio - | 1Y Target Price 9.75 | ||
Volume (30-day avg) 130.2K shares | Beta 1.21 | 52 Weeks Range 5.94 - 8.96 | Updated Date 11/06/2026 |
52 Weeks Range 5.94 - 8.96 | Updated Date 11/06/2026 | ||
Dividends yield (FY) 19.81% | Basic EPS (TTM) -0.43 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on non-QM mortgage loans held in portfolio minus the cost of financing those assets. | The company profits from the spread between the interest it collects from borrowers and the interest it pays to its creditors. |
Earnings Date
Report Date 2026-11-03 | When Before Market | Estimate 0.29 | Actual 0.26 |
Profitability
Profit Margin -86.32% | Operating Margin (TTM) 156.91% |
Management Effectiveness
Return on Assets (TTM) -0.34% | Return on Equity (TTM) -3.96% |
Valuation
Trailing PE - | Forward PE 4.86 | Enterprise Value 2.62B | Price to Sales(TTM) 13.28 |
Enterprise Value 2.62B | Price to Sales(TTM) 13.28 | ||
Enterprise Value to Revenue 240.46 | Enterprise Value to EBITDA - | Shares Outstanding 23.40M | Shares Floating 22.82M |
Shares Outstanding 23.40M | Shares Floating 22.82M | ||
Percent Insiders 3.62 | Percent Institutions 72.14 |
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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