Angel Oak Mortgage Inc (AOMR) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Angel Oak Mortgage Inc stock (AOMR) is currently trading at $8.29. Angel Oak Mortgage Inc PE ratio is 4.50. Angel Oak Mortgage Inc PS ratio (Price-to-Sales) is 3.31. Analyst consensus price target for AOMR is $11.45. WallStSmart rates AOMR as Hold.
- AOMR PE ratio analysis and historical PE chart
- AOMR PS ratio (Price-to-Sales) history and trend
- AOMR intrinsic value — DCF, Graham Number, EPV models
- AOMR stock price prediction 2025 2026 2027 2028 2029 2030
- AOMR fair value vs current price
- AOMR insider transactions and insider buying
- Is AOMR undervalued or overvalued?
- Angel Oak Mortgage Inc financial analysis — revenue, earnings, cash flow
- AOMR Piotroski F-Score and Altman Z-Score
- AOMR analyst price target and Smart Rating
Angel Oak Mortgage Inc
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AOMR Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Angel Oak Mortgage Inc (AOMR)
AOMR appears undervalued based on the Graham Formula, trading 27% below its estimated fair value of $12.24.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Angel Oak Mortgage Inc (AOMR) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around market cap and revenue growth. Fundamentals are solid but monitor weak areas for improvement.
Angel Oak Mortgage Inc (AOMR) Key Strengths (5)
Keeps $69 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $72 of every $100 in revenue as net profit
74.36% of shares held by major funds and institutions
Solid profitability: $17 profit per $100 equity
Supporting Valuation Data
Angel Oak Mortgage Inc (AOMR) Areas to Watch (4)
Revenue declining -60.60%, a shrinking business
Earnings declining -64.30%, profits shrinking
Micro-cap company with very limited liquidity and high volatility
Revenue is fairly priced at 3.31x sales
Supporting Valuation Data
Angel Oak Mortgage Inc (AOMR) Detailed Analysis Report
Overall Assessment
This company scores 57/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 5 register as strengths (avg 9.4/10) while 4 fall into concern territory (avg 2.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Profit Margin. Valuation metrics including Price/Book (0.75) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 17.40%, Operating Margin at 69.10%, Profit Margin at 72.20%.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, Market Cap. Some valuation metrics including Price/Sales (3.31) suggest expensive pricing. Growth concerns include Revenue Growth at -60.60%, EPS Growth at -64.30%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 17.40% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at -60.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (Revenue Growth, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
AOMR Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
AOMR's Price-to-Sales ratio of 3.31x trades at a deep discount to its historical average of 8.2x (21th percentile). The current valuation is 93% below its historical high of 45.15x set in Jul 2021, and 193% above its historical low of 1.13x in Feb 2023. Over the past 12 months, the PS ratio has compressed from ~4.6x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for Angel Oak Mortgage Inc (AOMR) · REAL ESTATE › REIT - MORTGAGE
The Big Picture
Angel Oak Mortgage Inc faces headwinds with declining revenue, though profitability provides a cushion. Revenue reached 61M with 61% decline year-over-year. Profit margins are strong at 72.2%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 72.2% and operating margin of 69.1% demonstrate strong pricing power and operational efficiency.
Generating 16M in free cash flow and 16M in operating cash flow. Earnings are translating into actual cash generation.
Revenue contracted 61% YoY. Worth determining whether this is cyclical or structural.
What to Watch Next
Dividend sustainability with a current yield of 15.2%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor REIT - MORTGAGE industry trends, competitive moves, and regulatory changes that could impact Angel Oak Mortgage Inc.
Bottom Line
Angel Oak Mortgage Inc faces challenges with declining revenue. While profitability provides a buffer, the long-term trajectory needs to improve. Watch for management's strategic response and whether the company can stabilize or pivot to new growth drivers.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(0 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 10:11:34 AM
About Angel Oak Mortgage Inc(AOMR)
NYSE
REAL ESTATE
REIT - MORTGAGE
USA
Angel Oak Mortgage Inc. is a prominent player in the residential mortgage industry, focusing on the origination and servicing of non-qualified mortgage (non-QM) loans that cater to a diverse range of borrowers. The company distinguishes itself through its commitment to innovation, utilizing cutting-edge technology and data analytics to enhance operational efficiency and manage risk effectively. With a robust distribution strategy encompassing direct lending and a network of broker partnerships, Angel Oak is well-positioned to capitalize on evolving market dynamics and consumer preferences. As an adaptive leader in housing finance, the company is geared toward sustainable growth while delivering attractive returns for institutional investors.