Angel Oak Mortgage Inc (AOMR) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Angel Oak Mortgage Inc $11.45, price $7.46, upside +53.5%, quality 56 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $2.91 – $10.12 · fair‑value band $9.81 – $17.84 · the $7.46 price screens below the $11.45 fair value. Dashed = 300-day average. As of Sep 23, 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. It offers investment securities; residential mortgage loans; and commercial mortgage loans.
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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. 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 $7.46, while our model-based Fair Value estimate is $11.45, implying the stock looks roughly 34.8% undervalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of $13.74 per share, and 5 of the 6 models we run sit above the $7.46 price.
Bear case: the Asset-Based group reads lowest at $7.19, and 1 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $9.81 (bear) to $17.84 (bull), the price of $7.46 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 56/100 (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 $213M · P/E ratio 11.8 · P/S ratio 3.93 · EPS (TTM) $0.6300 · Net margin 33.2% · Return on equity 6.3% · Return on assets (EBIT) 1.6% · Operating margin 335%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (low confidence).
What moves the price
The share trades about 19% 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 54% fair-value upside, at 53%, AOMR screens richer than that median.
Fair Value models
Bear $9.81Fair Value $11.45Bull $17.84
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.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.Evidence ⓘEvidence = 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.
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%
’19
’20
’21
’22
’23
’24
’25
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%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+58.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +54.3% a year for the price.
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 · 39 stocks
Beats the industry median on 4/13 measures
Overall it trails its industry peers.
Valuation
Quality Score56 · Top 25%
Fair Value upside+51% · Below median
Profitability
Return on equity (TTM)6% · Above median
Return on assets1% · Below median
Net margin (TTM)46% · Above median
Growth and dividend
Revenue growth−61% · Bottom 25%
Dividend yield (TTM)17.2% · Above median
Balance sheet
Debt / equity8.31× · Highest 25%
Valuation Multiplesvs REIT - Mortgage median · lower = cheaper
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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 Sep 23, 2026, our model estimates a fair value of $11.45 versus a price of $7.46, about +53% upside (undervalued).
What is the fair value of AOMR?
Our model-based fair value for Angel Oak Mortgage Inc is $11.45 (as of Sep 23, 2026), built from audited fundamentals. The current price: $7.46.
What is the quality score of AOMR?
Angel Oak Mortgage Inc has a Quality Score of 56/100. 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 $11.45 (as of Sep 23, 2026) from 11 valuation models. Cautious scenario $9.81, optimistic scenario $17.84. 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 $11.45, about +53% upside versus a price of $7.46 (undervalued). Cautious scenario $9.81, optimistic scenario $17.84. The calculation is refreshed regularly with new filings.
What growth is priced into Angel Oak Mortgage Inc (AOMR)?
For today's price to be fair in a discounted-cash-flow model, Angel Oak Mortgage Inc would have to grow free cash flow by +58.0 % per year for five years (discount rate 13.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +66.5 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of AOMR use?
Our models discount Angel Oak Mortgage Inc at 13.4 %: a base by market capitalisation (micro), damped by beta 1.21, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Angel Oak Mortgage Inc that is +58.0 % per year a year over ten years, using the same discount rate (13.4 %) and the same formula as our fair value.
How much growth has Angel Oak Mortgage Inc (AOMR) delivered so far?
Over the past 5 years revenue at Angel Oak Mortgage Inc grew +66.5 % a year. The price currently implies +58.0 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Angel Oak Mortgage Inc (AOMR) growing?
The median revenue growth in the sector is +8.5 % a year. That is the yardstick for the growth priced into Angel Oak Mortgage Inc (+58.0 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Angel Oak Mortgage Inc (AOMR)?
The free-cash-flow yield on the price is 10.25 %: that much free cash flow Angel Oak Mortgage Inc produces per unit of market value. When it exceeds the discount rate of our models (13.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 $11.45 per share (as of Sep 23, 2026), against a price of $7.46. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Angel Oak Mortgage Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, AOMR trades below its calculated fair value: price $7.46, fair value $11.45, a gap of about +53% (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 ($7.46); the fair value is what the company's own numbers justify ($11.45). For Angel Oak Mortgage Inc the two are $3.99 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 $213M (market capitalisation, as of Sep 23, 2026). Per share that is $7.46; our models calculate a fair value of $11.45 per share.
What do the bullish and bearish scenarios say about AOMR?
Our models span a range for Angel Oak Mortgage Inc: cautious scenario $9.81, base $11.45, optimistic $17.84 per share (as of Sep 23, 2026, price $7.46). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of AOMR?
Angel Oak Mortgage Inc trades at a price-to-earnings ratio of 11.8 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $11.45 is built from several models across several years. Other multiples: P/B 0.8, P/S 6.0, EV/EBITDA 15.8.
How solid is the balance sheet of Angel Oak Mortgage Inc (AOMR)?
Balance-sheet figures for Angel Oak Mortgage Inc (as of Sep 23, 2026): return on equity 6.3%, debt of 8.31 per unit of equity. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is AOMR from its 52-week high?
Angel Oak Mortgage Inc trades at $7.46, about 19% below its 52-week high of $9.24 and at the low of $7.46 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of $11.45 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, Starwood Property Trust, Inc, Rithm Capital Corp, 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 Sep 23, 2026: price $7.46, calculated fair value $11.45 (+53%), Quality Score 56/100, from 11 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 11 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $11.45, 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 14.0 % above its aggregate fair value. Angel Oak Mortgage Inc currently trades 53 % 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 Sep 24, 2026 was $7.46. Our model-based fair value is $11.45, about +53% 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 ($9.81). The market is more pessimistic than our downside scenario. Solid quality (56/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range ($9.81 to $17.84) leaves room in how you read the outcome. 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 $213M. 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 3.93 (P/E × margin). 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 $0.6300 (price ÷ EPS = P/E 11.8). 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 33.2% (fiscal year 2025). 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 6.3% (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 335% (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 −60.6% 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 −64.3% versus a year earlier. How much earnings per share grew versus a year earlier.
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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Broad data
Sep 23, 2026