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Upturn AI SWOT - About
Angel Oak Mortgage Inc (AOMR)
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Upturn Advisory Summary
04/01/2025: 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.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 15.39% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 220.90M USD | Price to earnings Ratio 8.03 | 1Y Target Price 12.04 |
Price to earnings Ratio 8.03 | 1Y Target Price 12.04 | ||
Volume (30-day avg) 176461 | Beta 1.4 | 52 Weeks Range 8.32 - 12.14 | Updated Date 04/2/2025 |
52 Weeks Range 8.32 - 12.14 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 13.43% | Basic EPS (TTM) 1.17 |
Earnings Date
Report Date 2025-03-04 | When - | Estimate 0.2606 | Actual 0.42 |
Profitability
Profit Margin 55.87% | Operating Margin (TTM) 156.96% |
Management Effectiveness
Return on Assets (TTM) 1.26% | Return on Equity (TTM) 11.61% |
Valuation
Trailing PE 8.03 | Forward PE 7.83 | Enterprise Value 1999990656 | Price to Sales(TTM) 4.29 |
Enterprise Value 1999990656 | Price to Sales(TTM) 4.29 | ||
Enterprise Value to Revenue 38.71 | Enterprise Value to EBITDA - | Shares Outstanding 23500200 | Shares Floating 12783625 |
Shares Outstanding 23500200 | Shares Floating 12783625 | ||
Percent Insiders 2.92 | Percent Institutions 74.67 |
Analyst Ratings
Rating 4.14 | Target Price 12.21 | Buy - | Strong Buy 4 |
Buy - | Strong Buy 4 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Angel Oak Mortgage Inc
Company Overview
History and Background
Angel Oak Mortgage, Inc. (AOMR) is a real estate investment trust (REIT) that invests in first lien mortgage loans, primarily non-qualified mortgage loans (non-QM). It was formed in 2018 and completed its initial public offering (IPO) in August 2021. It is externally managed by an affiliate of Angel Oak Capital Advisors, LLC.
Core Business Areas
- Non-Qualified Mortgage Loans (Non-QM): AOMR primarily invests in a portfolio of first lien, non-QM mortgage loans. These loans are made to borrowers who may not meet the strict underwriting guidelines of traditional mortgage loans due to factors such as self-employment, credit history, or debt-to-income ratio. They may also purchase loans from other sources.
Leadership and Structure
The company is led by Sreeni Prabhu as Non-Executive Chairman. Robert L. Donley is the CEO. It is externally managed by Angel Oak Capital Advisors, LLC.
Top Products and Market Share
Key Offerings
- Non-QM Mortgage Loans: AOMR's primary offering is the securitization and management of non-QM mortgage loans. Specific market share data is difficult to pinpoint due to the fragmented nature of the non-QM market and limited disclosures by AOMR. Key competitors in the non-QM space include Redwood Trust (RWT), Chimera Investment Corporation (CIM), and other specialized mortgage REITs and lenders.
Market Dynamics
Industry Overview
The mortgage REIT industry is influenced by interest rates, housing market trends, and credit spreads. The non-QM sector has grown in recent years as traditional lending standards have tightened.
Positioning
AOMR is positioned as a specialist in the non-QM mortgage market. Its competitive advantage lies in its established origination network through its affiliated Angel Oak Companies and its expertise in underwriting and managing non-QM loans.
Total Addressable Market (TAM)
The total addressable market for non-QM loans is dependent on macro-economic factors like interest rates and general economic outlook, but some estimates put it at over $200 billion. AOMR is well-positioned to capture a small but potentially significant portion of this market.
Upturn SWOT Analysis
Strengths
- Expertise in non-QM lending
- Established origination network through affiliates
- Experienced management team
- Strong relationships with mortgage originators
Weaknesses
- External management structure
- Reliance on non-QM market, making it sensitive to market volatility.
- Relatively small market capitalization compared to larger peers
- Limited diversification outside of non-QM loans
Opportunities
- Growing demand for non-QM loans
- Potential for expansion into new geographic markets
- Increased securitization of non-QM loans
- Strategic acquisitions to expand capabilities
Threats
- Rising interest rates
- Economic downturn impacting borrower credit quality
- Increased competition in the non-QM market
- Regulatory changes affecting mortgage lending
Competitors and Market Share
Key Competitors
- RWT
- CIM
- IVR
Competitive Landscape
AOMR is smaller than some of its peers. Its advantage lies in its specialization in non-QM loans. Its external management structure could be a disadvantage compared to internally managed REITs. Real market share data is hard to get and changes frequently.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires real-time access to financial data sources. Please refer to current AOMR financial statements and earnings releases for the most up-to-date information.
Future Projections: Future projections require real-time access to analyst estimates. Please refer to current AOMR financial statements and earnings releases for the most up-to-date information.
Recent Initiatives: Recent initiatives require real-time access to company disclosures. Please refer to current AOMR financial statements and earnings releases for the most up-to-date information.
Summary
Angel Oak Mortgage Inc. is a REIT specializing in non-QM mortgage loans, providing a niche service in the mortgage market. Its established origination network and expertise in non-QM lending are strengths. However, the company faces risks associated with interest rate volatility and the potential for economic downturns. Its smaller size compared to major competitors and dependence on non-QM loans present further challenges, suggesting a moderate risk investment.
Similar Companies
ARR
ARMOUR Residential REIT Inc
ARR
ARMOUR Residential REIT Inc
CIM
Chimera Investment Corporation
CIM
Chimera Investment Corporation
IVR
Invesco Mortgage Capital Inc
IVR
Invesco Mortgage Capital Inc
RWT
Redwood Trust Inc
RWT
Redwood Trust Inc
TWO
Two Harbors Investments Corp
TWO
Two Harbors Investments Corp
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is based on available information and does not constitute financial advice. Market conditions and company performance can change rapidly. Consult with a financial professional 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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