Company Analysis

Angel Oak Mortgage REIT, Inc. (AOMR)

NYSE: AOMR · Real Estate · Atlanta, GA · filing with the SEC since 2019
Grade5.6
◀ Past 5.6● Present 5.7▶ Future 5.6

The grade of Angel Oak Mortgage REIT, Inc.

Nine metrics read from its own filings, by tense
Headline grade
5.6/10
◀ Past5.625% of the headline
● Present5.745% of the headline
▶ Future5.630% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

5.6/1025% of the headline grade · 3 of 3 filed

Surviving crises

as filed
3.6/10

Has it survived what it has been through?

1 warning event since 2019; the latest 2026-03-12.

weight 45% of this tense · 36th percentile among 32 sector filers · read for itself

From the record

Angel Oak Mortgage REIT, Inc.'s filings since 2019 show 1 warning event: an auditor change (8-K item 4.01, the latest 2026-03-12) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
6.1/10

What has it actually done, year after year?

+28.6% a year over 6 filed years; profitable in 5 of 6.

weight 33% of this tense · 61st percentile among 29 sector filers · read for its customers

From the record

Angel Oak Mortgage REIT, Inc.'s 6 filed years say what it did: revenue went from $41 million in fiscal 2020 to $144 million in fiscal 2025, up 28.6% a year; it rose in 4 of 5 years; the deepest fall was 17% from fiscal 2022 to fiscal 2023; net income was positive in 5 of 6 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span28.6%top 22% of its family
  • the share of years revenue rosetop 36% of its family
  • the share of filed years with a profittop 47% of its family
  • the deepest fall from a revenue peak17.0%top 50% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
9.1/10

How has it treated the people who own it?

Share count shrank 0.3% a year. 100% of cash flow returned. Insiders: 1 sales, 5 purchases.

weight 22% of this tense · 91st percentile among 22 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Angel Oak Mortgage REIT, Inc.'s diluted share count shrank about 0.3% a year, and dividends and buybacks returned about 100% of its net income over 3 years (its filed statements). Its officers and directors filed 1 sale and 5 purchases of their own stock on the open market in the year to 2026-11-05, buying about $502 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearstop 5% of its family
  • cash returned against operating cash flowtop 12% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

5.7/1045% of the headline grade · 3 of 3 filed

Financial health

as filed
6.3/10

Is it financially healthy right now?

ROE 16%: 16¢ of profit per shareholder dollar. Leverage 90%: owes 90¢ per asset dollar.

weight 45% of this tense · 63rd percentile among 31 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Angel Oak Mortgage REIT, Inc. earned about 16 cents of profit for every dollar of shareholders' money. Leverage: it owed about 90 cents per dollar of assets, and net share issuance: its share count shrank 0.3% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 5% of its family
  • return on equitytop 5% of its family
  • the share count against the year beforetop 12% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
5.7/10

How strong is its position in its industry?

top 43% of 30 in its family; net margin 30.6%.

weight 33% of this tense · 57th percentile among 30 sector filers · read for its customers

From the record

Angel Oak Mortgage REIT, Inc.'s standing among 30 graded names in its industry family: revenue of $144 million in fiscal 2025 ranks in the bottom 45% by size; a net margin of 30.6% ranks in the top 28%; revenue growth of 7.5% a year over the last 3 filed years ranks in the top 47% (its annual reports).

What it rests on

  • revenue against the family$144Mbottom 45% of its family
  • net margin30.6%top 28% of its family
  • three-year revenue growth7.5%top 47% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
4.5/10

What are the people in charge doing?

bottom 45% of 20 in its family for leadership.

weight 22% of this tense · 45th percentile among 20 sector filers · read for its shareholders

From the record

Angel Oak Mortgage REIT, Inc.'s leadership, from its insiders' filings and its current reports: no one files under a chief executive's title, so that part is not read; the 7 officers and directors filing in the last fifteen months have been on the record a median of 5.4 years (bottom 47%); 4 officer or director changes were reported on Form 8-K since 2023-11-13, against the 7 people in charge now (bottom 44%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge4 in three years among 7 peoplebottom 44% of its family
  • the median years the people in charge have filed5.4 yearsbottom 47% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

5.6/1030% of the headline grade · 3 of 3 filed

Room to expand

as filed
0.2/10

How much room does it have to grow?

bottom 2% of 29 in its family for room to expand.

weight 22% of this tense · 2nd percentile among 29 sector filers · read for itself

From the record

Angel Oak Mortgage REIT, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $45 million against debt of $2.3 billion leaves -81.2% of its assets as net cash, bottom 2% of its family; cash from operations less capital spending is -283.3% of revenue (bottom 2%) (its annual report).

What it rests on

  • cash less debt against assets-81.2%bottom 2% of its family
  • cash from operations less capital spending against revenue-283.3%bottom 2% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
4.8/10

What could actually drive growth from here?

bottom 48% of 29 in its family for growth drivers.

weight 33% of this tense · 48th percentile among 29 sector filers · read for its customers

From the record

Angel Oak Mortgage REIT, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 7.5% a year over the last three filed years against 28.6% over all 6, slowing (bottom 12% of its family); the newest year grew 30.1% (top 16%) (its annual reports). Angel Oak Mortgage REIT, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span-21.1 points a yearbottom 12% of its family
  • the newest year's revenue growth30.1%top 16% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
8.8/10

Did its newest year beat what its own record pointed to?

top 12% of 29 in its family for expectations against reality.

weight 45% of this tense · 88th percentile among 29 sector filers · read for its shareholders

From the record

Angel Oak Mortgage REIT, Inc.'s newest year against its own record: revenue of $144 million in fiscal 2025 came in 33.1% above the $108 million its prior three years' pace pointed to (top 19% of its family); net income of $44 million against a prior three-year average of $42 million (top 5%); a net margin of 30.6% against -33.8% before (top 12%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace33.1%top 19% of its family
  • net income against the prior three years' average+205%top 5% of its family
  • net margin against its prior average+64.4 pointstop 12% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton AOMR · research, not advice