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Angel Oak Mortgage REIT
Angel Oak Mortgage REIT (AOMR) investor relations material
Angel Oak Mortgage REIT Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary25 Feb, 2026
Executive summary
Achieved second consecutive year of double-digit net interest income growth, with FY 2025 net interest income up 11% to $41.1 million and interest income rising 30% year-over-year.
GAAP net income for FY 2025 was $44 million ($1.80 per diluted share), and distributable earnings were $14.6 million ($0.59 per share).
GAAP book value per share increased 5.6% year-over-year to $10.74, driven by improved legacy securitization valuations and higher net interest income.
Credit performance remained strong, with the 90+ day delinquency rate improving to 2.18% at year-end.
Four securitizations were completed in 2025, contributing $704 million in unpaid principal balance.
Financial highlights
Interest income rose 30% year-over-year to $143.7 million; net interest income up 11% to $41.1 million.
Fourth quarter GAAP net income was $11.3 million ($0.45 per diluted share); full-year GAAP net income was $44 million ($1.80 per share), up 53% from 2024.
Distributable earnings for Q4 2025 were $7.3 million; full-year distributable earnings were $14.6 million.
Operating expenses for the year decreased 15.5% to $16.4 million; excluding non-cash items, operating expenses were $11.5 million, down 15.4%.
Declared a $0.32 per share common dividend, payable February 27, 2026.
Outlook and guidance
Expect continued growth in net interest income, supported by ongoing loan purchases and securitization activity.
Management expects continued strong performance by selectively deploying capital and executing accretive securitizations amid evolving credit and rate environments.
Anticipate maintaining prudent leverage and liquidity management, with a focus on net interest margin and earnings growth.
Recourse debt to equity ratio was 1.4x at year-end and is expected to remain below 2.5x.
Market for non-QM solutions remains significant and growing, with the company positioned as a leading platform.
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Next Angel Oak Mortgage REIT earnings date
Q1 20264 May, 2026
Angel Oak Mortgage REIT
Next Angel Oak Mortgage REIT earnings date
Q1 20264 May, 2026
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Frequently asked questions
Angel Oak Mortgage REIT Inc. is a real estate investment trust (REIT) that focuses on acquiring and managing non-qualified mortgage (non-QM) loans and other mortgage-related assets. The company aims to provide attractive, risk-adjusted returns to its investors by investing in a diversified portfolio of residential mortgage loans that fall outside traditional underwriting guidelines. Angel Oak Mortgage REIT leverages the expertise of its affiliated asset management firm, Angel Oak Capital, to identify and manage these mortgage assets, which are typically secured by single-family homes. The company is headquartered in Atlanta, Georgia, and its shares are listed on the NYSE.
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