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Upturn AI SWOT - About
Angel Oak Mortgage Inc (AOMR)
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Upturn Advisory Summary
06/16/2025: 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
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Year Target Price $11.83
Year Target Price $11.83
| 5 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 27.07% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 220.67M USD | Price to earnings Ratio 6.14 | 1Y Target Price 11.83 |
Price to earnings Ratio 6.14 | 1Y Target Price 11.83 | ||
Volume (30-day avg) - | Beta 1.31 | 52 Weeks Range 7.12 - 11.53 | Updated Date 06/29/2025 |
52 Weeks Range 7.12 - 11.53 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 13.63% | Basic EPS (TTM) 1.53 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 63.71% | Operating Margin (TTM) 87.25% |
Management Effectiveness
Return on Assets (TTM) 1.48% | Return on Equity (TTM) 14.14% |
Valuation
Trailing PE 6.14 | Forward PE 6.92 | Enterprise Value 2294373632 | Price to Sales(TTM) 3.86 |
Enterprise Value 2294373632 | Price to Sales(TTM) 3.86 | ||
Enterprise Value to Revenue 38.24 | Enterprise Value to EBITDA - | Shares Outstanding 23500200 | Shares Floating 13183128 |
Shares Outstanding 23500200 | Shares Floating 13183128 | ||
Percent Insiders 4.51 | Percent Institutions 73.08 |
Analyst Ratings
Rating 4.43 | Target Price 11.83 | Buy - | Strong Buy 5 |
Buy - | Strong Buy 5 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Angel Oak Mortgage Inc
Company Overview
History and Background
Angel Oak Mortgage, Inc. (AOMR) is a specialty finance company focused on originating and investing in first lien non-qualified mortgage (non-QM) loans and other mortgage-related assets in the U.S. It was formed in 2018 and completed its IPO in August 2021. Angel Oak is associated with Angel Oak Capital Advisors, LLC, an investment management firm specializing in fixed income credit.
Core Business Areas
- Non-Qualified Mortgage (Non-QM) Origination and Investment: The core of Angel Oak's business involves originating and investing in non-QM loans. These loans are designed for borrowers who may not meet the strict requirements for traditional, qualified mortgages due to factors such as self-employment income, credit history, or debt-to-income ratios.
Leadership and Structure
Sreeni Prabhu serves as the Co-CEO, and Robert Williams also serves as Co-CEO. The company operates with a board of directors and various management teams overseeing different aspects of the business.
Top Products and Market Share
Key Offerings
- Non-Qualified Mortgage (Non-QM) Loans: Angel Oak specializes in non-QM loans, catering to borrowers who don't meet traditional mortgage standards. Market share data is dispersed across many smaller lenders, making it difficult to obtain a precise figure, but Angel Oak is a significant player in the non-QM space. Competitors include companies like Finance of America Companies (FOA) and other smaller, private non-QM lenders.
Market Dynamics
Industry Overview
The non-QM market caters to borrowers who don't fit into the qualified mortgage (QM) box. The market size fluctuates based on interest rates and economic conditions, with increased demand when traditional lending standards tighten. The industry is fragmented.
Positioning
Angel Oak is a major player in the non-QM space. Their strength lies in their established origination channels and investment management expertise. Competitive advantages include their brand recognition and ability to securitize non-QM loans.
Total Addressable Market (TAM)
The total addressable market for non-QM loans is estimated to be in the tens of billions of dollars annually. Angel Oak is positioned as a key player capturing a portion of this market, but the exact percentage varies depending on market conditions and origination volumes. With an estimated $150 Billion market, they hold a <1% market share.
Upturn SWOT Analysis
Strengths
- Established brand in the non-QM market
- Strong origination network
- Experienced management team
- Securitization capabilities
Weaknesses
- Reliance on a niche market (non-QM)
- Sensitivity to interest rate fluctuations
- Higher credit risk associated with non-QM loans
Opportunities
- Expansion into new geographic markets
- Development of new loan products
- Partnerships with other financial institutions
- Increased demand for non-QM loans due to evolving borrower needs
Threats
- Increased competition from other non-QM lenders
- Changes in government regulations
- Economic downturn and potential increase in defaults
- Interest rate volatility
Competitors and Market Share
Key Competitors
- FOA
- Rithm Capital Corp. (RITM)
Competitive Landscape
AOMR faces competition from other non-QM lenders, as well as larger mortgage companies that may offer some non-QM products. AOMR's advantage lies in its specialization and established presence in the non-QM market. Disadvantages could include limited diversification and vulnerability to market shifts.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends can be assessed by reviewing AOMR's past financial performance (revenue, loan originations, etc.) over several years.
Future Projections: Analyst estimates for future growth can be found on financial news and analysis websites (e.g., Yahoo Finance, Bloomberg). These projections typically cover revenue, earnings, and loan origination volumes.
Recent Initiatives: Refer to recent press releases, investor presentations, and SEC filings for details on strategic initiatives undertaken by AOMR. Look for information on new products, market expansion, or partnerships.
Summary
Angel Oak Mortgage Inc. is a specialty finance company focused on non-QM loans and they are a main player in that space, but faces challenges from economic conditions and other competitors. Their strength is in their knowledge of the non-QM market and their ability to securitize loans, but their dependence on this market and exposure to interest rate risk could be issues. Future initiatives could aid in growth, but keeping a close eye on market changes is key.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations Materials
- Financial News Websites (Yahoo Finance, Bloomberg)
- Industry Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Data may be delayed and is subject to change. Consult with a qualified financial advisor 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.
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