Angel Oak Mortgage Inc (AOMR) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Angel Oak Mortgage Inc stock $12.20, price $5.95, upside +105.0%, quality 54 out of 100. Rating: strongly undervalued. Calculated from audited financials with 8 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $2.81 – $9.70 · fair‑value band $10.45 – $15.47 · the $5.95 price screens below the $12.20 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Angel Oak Mortgage REIT, Inc., a real estate finance company, focuses on acquiring and investing in first lien nonqualified mortgage loans and other mortgage-related assets in the United States mortgage market.
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It offers investment securities; residential mortgage loans; and commercial mortgage loans.
The company also offers futures contracts; non-agency residential mortgage backed securities; non-recourse securitization obligations; collateralized by residential mortgage loans; commercial bridge loans; mezzanine loans; construction loans; B-Notes; home equity lines of credit (HELOCs); and other related instruments.
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.
The company was formerly known as Angel Oak Mortgage, Inc. and changed its name to Angel Oak Mortgage REIT, Inc. in March 2023. Angel Oak Mortgage REIT, Inc. was incorporated in 2018 and is headquartered in Atlanta, Georgia.
Stock analysis
Angel Oak Mortgage Inc (AOMR) currently trades at $5.95, while our model-based Fair Value estimate is $12.20, implying the stock looks roughly 51% undervalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of $13.79 per share, and 6 of the 6 models we run sit above the $5.95 price.
Bear case: the Asset-Based group reads lowest at $7.54, and 0 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $10.45 (bear) to $15.47 (bull), the price of $5.95 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 54/100 (solid quality), in the Real Estate sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Angel Oak Mortgage Inc reported revenue of $133M in FY2025 versus $41.8M in FY2021, a compound +33.5%/yr. Reported net income was $44.0M in FY2025, compounding +20.2%/yr from FY2021.
Key figures
Market cap $145M Micro · P/S ratio 13.3 · EPS (TTM) $−0.4300 · Net margin −86.3% · Return on equity −4.0% · Return on assets (EBIT) 1.6% (5-year average) · Operating margin 157% · Revenue growth (YoY) +19.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).
What moves the price
The share trades about 33% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Real Estate peers we cover trades at 56% fair-value upside, at 105%, AOMR screens cheaper than that median.
Fair Value models
Bear$10.45Fair Value $12.20Bull$15.47
Price $5.95 · Upside +105.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, 3 officers or directors bought shares worth $473,497, most recently on Nov 5, 2026. Over the same period, one person sold shares worth $515,450. Buying cluster
BuyLandon ParsonsDirector7,400 shares at $6.28$46,472Nov 5, 2026
BuyMichael FiermanDirector, 10% owner38,726 shares at $7.50$290,445Sep 25, 2026
SaleBrandon FilsonCFO & Treasurer65,000 shares at $7.93$515,450Sep 22, 2026
BuyW D MinamiDirector3× since Nov 18, 2025: 20,241 shares, avg. $8.16$165,209Sep 10, 2026
SaleXylem Finance LLC10% owner481,537 shares at $7.87$3.8MMar 20, 2026
Plus 8 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+158.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−5.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+66.5%
Start year 2020 (pandemic)
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+49.7%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+56.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+56.0%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.7% → 111%
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.REIT - Mortgage · 31 stocks
Beats the industry median on 7/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score54 · Top 25%
Fair Value upside+105.0% · Above median
Profitability
Return on assets1.6% · Top 25%
Net margin (12 months)−86.3% · Bottom 25%
Operating margin (12 months)156.9% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)19.4% · Above median
Dividend yield (12 months)21.5% · Top 25%
Balance sheet
Debt / equity8.31× · Highest 25%
Valuation Multiplesvs REIT - Mortgage median · lower = cheaper
P/B0.54× · Pricier than median
P/S (12 months)13.36× · Priciest 25%
Price / free cash flow (fiscal year)7.8× · Cheaper than median
EV/EBITDA15.3× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)100· sector 100
FUTURE (revenue growth)97· sector 97
PAST (return on equity)0· sector 17
HEALTH (low debt)–
DIVIDEND (yield)100· sector 100
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Angel Oak Mortgage Inc Fair Value". https://www.fairvalue-calculator.com/stock/AOMR
Frequently asked questions
Is Angel Oak Mortgage Inc (AOMR) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $12.20 versus a price of $5.95, about +105% upside (undervalued).
What is the fair value of AOMR?
Our model-based fair value for Angel Oak Mortgage Inc is $12.20 (as of Nov 6, 2026), built from audited fundamentals. The current price: $5.95.
What is the quality score of AOMR?
Angel Oak Mortgage Inc has a Quality Score of 54/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Angel Oak Mortgage Inc (AOMR)?
Our model-based price target is the fair value of $12.20 (as of Nov 6, 2026) from 8 valuation models. Cautious scenario $10.45, optimistic scenario $15.47. It is a calculation from audited fundamentals, not an analyst target.
What is the Angel Oak Mortgage Inc stock forecast for 2026?
Our models put fair value at $12.20, about +105% upside versus a price of $5.95 (undervalued). Cautious scenario $10.45, optimistic scenario $15.47. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Angel Oak Mortgage Inc (AOMR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Angel Oak Mortgage Inc it is $12.20 per share (as of Nov 6, 2026), against a price of $5.95. It is the blended result of 8 valuation models in 5 families (DCF Models, Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Angel Oak Mortgage Inc stock overvalued or undervalued in 2026?
As of Nov 6, 2026, AOMR trades below its calculated fair value: price $5.95, fair value $12.20, a gap of about +105% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of AOMR?
No. The price is what the market pays today ($5.95); the fair value is what the company's own numbers justify ($12.20). For Angel Oak Mortgage Inc the two are $6.25 per share apart. That gap is exactly why we show both numbers side by side.
How much is Angel Oak Mortgage Inc worth?
The market values Angel Oak Mortgage Inc at about $145M (market capitalisation, as of Nov 6, 2026). Per share that is $5.95; our models calculate a fair value of $12.20 per share.
What do the bullish and bearish scenarios say about AOMR?
Our models span a range for Angel Oak Mortgage Inc: cautious scenario $10.45, base $12.20, optimistic $15.47 per share (as of Nov 6, 2026, price $5.95). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Angel Oak Mortgage Inc (AOMR)?
Balance-sheet figures for Angel Oak Mortgage Inc (as of Nov 6, 2026): return on equity −4.0%, debt of 8.31 per unit of equity. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is AOMR from its 52-week high?
Angel Oak Mortgage Inc trades at $5.95, about 33% below its 52-week high of $8.90 and at the low of $5.95 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $12.20 is for.
Which stocks are comparable to Angel Oak Mortgage Inc?
From the same area (Real Estate) we also value Annaly Capital Management, Inc, AGNC Investment Corp, Rithm Capital Corp, Starwood Property Trust, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Angel Oak Mortgage Inc stock attractive at the current price?
The data as of Nov 6, 2026: price $5.95, calculated fair value $12.20 (+105%), Quality Score 54/100, from 8 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of AOMR calculated?
We run Angel Oak Mortgage Inc through 8 models from 5 families: DCF Models, Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $12.20 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Angel Oak Mortgage Inc currently trades 51% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Angel Oak Mortgage Inc (AOMR)?
The closing price on Nov 6, 2026 was $5.95. Our model-based fair value is $12.20, about +105% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Angel Oak Mortgage Inc right now?
The price is below even our cautious bear case ($10.45). The market is more pessimistic than our downside scenario. Solid quality (54/100) at a price below fair value, the discount is the argument here, not the business quality. As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Key figures of Angel Oak Mortgage Inc
How large is the market capitalisation of Angel Oak Mortgage Inc (AOMR)?
The market capitalisation of Angel Oak Mortgage Inc is $145M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Angel Oak Mortgage Inc (AOMR)?
The price-to-sales ratio of Angel Oak Mortgage Inc is 13.3 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Angel Oak Mortgage Inc (AOMR)?
Earnings per share at Angel Oak Mortgage Inc are $−0.4300. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Angel Oak Mortgage Inc (AOMR)?
The net margin of Angel Oak Mortgage Inc is −86.3% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Angel Oak Mortgage Inc (AOMR)?
The return on equity (ROE) of Angel Oak Mortgage Inc is −4.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Angel Oak Mortgage Inc (AOMR)?
On an EBIT basis the return on assets of Angel Oak Mortgage Inc is 1.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Angel Oak Mortgage Inc (AOMR)?
The operating margin of Angel Oak Mortgage Inc is 157% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Angel Oak Mortgage Inc (AOMR)?
Revenue at Angel Oak Mortgage Inc is growing +19.4% versus a year earlier (3y avg −5.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Angel Oak Mortgage Inc (AOMR)?
Earnings per share at Angel Oak Mortgage Inc are growing +367% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Angel Oak Mortgage Inc (AOMR) generate?
The free cash flow of Angel Oak Mortgage Inc is $18.6M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Angel Oak Mortgage Inc (AOMR) carry?
The net debt of Angel Oak Mortgage Inc is $2.2B (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Some data
Nov 6, 2026
