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Angel Oak Mortgage REIT (AOMR) investor relations material
Angel Oak Mortgage REIT Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Net interest income increased 12.9% year-over-year in Q3 2025 to $10.2 million, driven by asset growth and lower financing costs.
GAAP net income for Q3 2025 was $11.4 million ($0.46 per diluted share), with distributable EPS at $0.02 per share.
GAAP book value per share rose 2.2% sequentially to $10.60, while economic book value per share decreased 1.9% to $12.72.
Declared a $0.32 per share dividend, payable November 26, 2025.
Portfolio reached $2.5 billion in residential mortgage loans, RMBS, and related assets as of September 30, 2025.
Financial highlights
Q3 2025 interest income was $36.7 million, with net interest income at $10.2 million and net income allocable to common stockholders at $11.4 million.
Distributable Earnings for Q3 2025 were $0.5 million, with a return on average equity of 0.8%.
Purchased $237.6 million of loans in Q3 2025 with a weighted average coupon of 7.74%, CLTV of 69.4%, and average credit score of 759.
90+ day delinquency rate across residential whole loans was 0.3% of unpaid principal balance.
Called and re-securitized AOMT 2019-2 and 2019-4, redeploying proceeds into new loans and accretive uses.
Outlook and guidance
Management expects continued loan purchases and securitizations to support portfolio growth and valuations.
Recourse debt to equity ratio is expected to remain below 2.5x, with a current ratio of 1.0x post-securitization.
Anticipates further interest rate cuts in 2025, which may positively impact asset pricing and loan origination.
Securitization markets remain robust with tightening execution spreads.
Forward-looking statements caution that actual results may differ materially due to various risks and uncertainties.
Quantify yield uplift from legacy deal calls?
How does AOMR maintain loan sourcing advantage?
What drives GAAP vs. economic book value divergence?
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Next Angel Oak Mortgage REIT earnings date
Q4 20253 Mar, 2026
Next Angel Oak Mortgage REIT earnings date
Q4 20253 Mar, 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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