0.49%
10.56%
13.75%
-18.57%
-3.84%
-39.96%
-44.99%
Stock-Card

AI Spotlight on AOMR

Company Description

Angel Oak Mortgage, 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.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, Inc.was incorporated in 2018 and is headquartered in Atlanta, Georgia.

Market Data

Last Price 10.26
Change Percentage 0.49%
Open 10.18
Previous Close 10.21
Market Cap ( Millions) 241
Volume 15121
Year High 13.31
Year Low 8.88
M A 50 9.59
M A 200 10.83

Financial Ratios

FCF Yield -200.71%
Dividend Yield 12.48%
ROE 27.84%
Debt / Equity 654.25%
Net Debt / EBIDTA 1981.67%
Price To Book 0.92
Price Earnings Ratio 3.37
Price To FCF -0.5
Price To sales 2.54
EV / EBITDA 22.64

News

Business Breakdown

Expected Mid-Term Growth

Segment n°1 -> Mortgage-Related Assets

Expected Growth : 7.5 %

What the company do ?

Mortgage-Related Assets from Angel Oak Mortgage, Inc. are investments in mortgage-backed securities, whole loans, and other mortgage-related assets, providing income through interest and principal payments.

Why we expect these perspectives ?

Growing demand for mortgage financing, increasing homeownership rates, and low interest rates drive growth in mortgage-related assets, providing a stable income stream through interest and principal payments.

Angel Oak Mortgage, Inc. Products

Product Range What is it ?
Non-QM Loans Non-Qualified Mortgage loans that don't conform to traditional QM loan standards, offering more flexible credit and income requirements.
Jumbo Loans Large mortgage loans exceeding conforming loan limits, offering higher loan amounts for luxury properties.
Interest-Only Loans Mortgage loans allowing borrowers to pay only the interest on the loan for a set period, reducing monthly payments.
Bank Statement Loans Mortgage loans using bank statements to verify income, ideal for self-employed borrowers or those with non-traditional income.
Investor Cash Flow Loans Mortgage loans for real estate investors, using property cash flow to qualify for the loan.
Fix and Flip Loans Short-term, high-interest loans for real estate investors to finance fix-and-flip projects.

Angel Oak Mortgage, Inc.'s Porter Forces

Angel Oak Mortgage, Inc. operates in a highly competitive market, but the threat of substitutes is mitigated by the company's strong brand recognition and customer loyalty.

Angel Oak Mortgage, Inc. has a large customer base, but the bargaining power of customers is high due to the availability of alternative mortgage options.

Angel Oak Mortgage, Inc. has a diversified supplier base, which reduces the bargaining power of suppliers.

The threat of new entrants in the mortgage industry is moderate, as it requires significant capital and regulatory compliance.

The mortgage industry is highly competitive, with many established players, leading to a high intensity of rivalry.

Strength

Weaknesses

Opportunities

Threats

Capital Structure

Value
Debt Weight 86.59%
Debt Cost 4.21%
Equity Weight 13.41%
Equity Cost 10.57%
WACC 5.06%
Leverage 645.60%

Angel Oak Mortgage, Inc. : Quality Control

Historical Valuation

Price/Earnings Ratio

Margin Valuation

Peers Valuation

Competitors

Company Rational
PMT PennyMac Mortgage Investment Trust, a specialty finance company, primarily invests in mortgage-related assets in the United States. The company's Credit Sensitive Strategies segment invests in credit risk transfer (CRT) agreements, …
MITT AG Mortgage Investment Trust, Inc. operates as a residential mortgage real estate investment trust in the United States. Its investment portfolio comprises residential investments, including non-qualifying mortgages loans, government-sponsored entity …
REFI Chicago Atlantic Real Estate Finance, Inc. operates as a commercial real estate finance company in the United States. It originates, structures, and invests in first mortgage loans and alternative structured …
SEVN Seven Hills Realty Trust, a real estate investment trust, focuses on originating and investing in first mortgage loans secured by middle market and transitional commercial real estate in the United …
LFT Lument Finance Trust, Inc., a real estate investment trust, focuses on investing in, financing, and managing a portfolio of commercial real estate (CRE) debt investments in the United States. The …

Peers Metrics

DCF BETA

Parameters

Short Term Growth
Short term Time
Long-Term Growth
WACC
Target Price
10.26$
Current Price
10.26$
Potential
-0.00%

Expected Cash-Flows

Scoring Insights

Peers Group Analysis

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