FINS

NEUTRAL

$12.79 Live

Angel Oak Financial Strategies Income Term Trust · NYSE

$12.38 52W Range $13.55

FINS Angel Oak Financial Strategies Income Term Trust - Fundamental Analysis

NEUTRAL

Console Chart News

FINS Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Asset Management

Current Price Live

$12.79

52W High

$13.55

52W Low

$12.38

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 27, 2026

Market cap

$427.57M

P/E

7.66

ROE

11.5%

Profit margin

130.0%

Debt/Equity

0.27

Dividend yield

10.64%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

FINS presents a classic value-trap profile with a stable Piotroski F-Score of 4/9 and a significant disconnect between its Graham Number ($27.46) and current market price ($12.79). While the asset is fundamentally undervalued with a Price/Book of 0.64 and a highly attractive 10.64% dividend yield, the technical trend is completely bearish (0/100). The lack of growth data and a very low current ratio (0.20) offset the valuation strengths, suggesting a stagnant price action despite the deep discount to defensive fair value.

Key Strengths

Deep value valuation with P/B ratio of 0.64

Very low P/E ratio (7.66) relative to sector average (38.86)

High dividend yield of 10.64% with a sustainable payout ratio (73.95%)

Strong defensive fair value indicated by Graham Number ($27.46)

Positive long-term price performance (5Y Change: +14.8%)

Key Risks

Severe bearish technical trend (0/100 score)

Extremely low liquidity/current ratio (0.20)

Lack of visible revenue or earnings growth metrics

Piotroski F-Score of 4/9 indicates only 'Stable' health, not 'Strong'

Low market capitalization ($0.43B) may lead to higher volatility

AI Fair Value Estimate

Based on comprehensive analysis

$14.5

+13.3% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Value Play with No Momentum

Key drivers: Deep discount to book value, High income generation, Zero technical momentum, Stagnant growth profile

Confidence

80%

Value

90/100

Trading significantly below Graham Number and Book Value.

Positives

P/B of 0.64
P/E of 7.66
Graham Number $27.46

Watchpoints

Intrinsic value formula suggests lower ceiling ($11.69)

Future

30/100

Lack of growth catalysts makes future price appreciation uncertain.

Positives

No standout positives identified.

Watchpoints

No YoY or Q/Q growth data provided
Bearish technical trend

Past

65/100

Consistent long-term positive returns despite recent stagnation.

Positives

Positive 1Y, 3Y, and 5Y returns

Watchpoints

Recent 1W change is negative

Health

50/100

Stable but not strong; liquidity ratios are concerning for non-financials but typical for some trusts.

Positives

Low Debt/Equity (0.27)

Watchpoints

Piotroski F-Score 4/9
Current Ratio 0.20

Dividend

85/100

Strong income generator with reasonable coverage.

Positives

10.64% yield
Payout ratio under 80%

Watchpoints

No urgent risks highlighted.

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$12.79

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for FINS and closest competitors.

Updated 2026-04-24

Company	5Y	3Y	1Y	6M	1M	1W
FINS Angel Oak Financial Strategies Income Term Trust Primary	+14.8%	+44.1%	+9.4%	+2.7%	+2.4%	-1.0%
BTBT Bit Digital, Inc. Peer	-92.2%	-21.6%	-34.5%	-65.0%	-21.6%	0.0%
MESH Meshflow Acquisition Corp. Peer	-0.2%	-0.2%	-0.2%	-0.2%	+0.1%	+0.1%
DFP Flaherty & Crumrine Dynamic Preferred and Income Fund Inc. Peer	-2.0%	+45.5%	+13.8%	+1.2%	+3.3%	-0.5%
BMRC Bank of Marin Bancorp Peer	-19.0%	+2.4%	+16.9%	+13.4%	-0.8%	-1.4%

FIN

Angel Oak Financial Strategies Income Term Trust

Primary

+14.8%

+44.1%

+9.4%

+2.7%

+2.4%

-1.0%

BTB

Bit Digital, Inc.

Peer

-92.2%

-21.6%

-34.5%

-65.0%

-21.6%

0.0%

MES

Meshflow Acquisition Corp.

Peer

-0.2%

+0.1%

DFP

Flaherty & Crumrine Dynamic Preferred and Income Fund Inc.

Peer

-2.0%

+45.5%

+13.8%

+1.2%

+3.3%

-0.5%

BMR

Bank of Marin Bancorp

Peer

-19.0%

+2.4%

+16.9%

+13.4%

-0.8%

-1.4%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

7.66

N/A

0.64

11.85

N/A

$427.57M

Profitability

Profit margins and return metrics

Profit Margin 129.96%

Operating Margin 79.05%

Gross Margin 100.0%

ROE 11.46%

ROA 3.27%

Growth

Revenue and earnings growth rates

Revenue Growth N/A

Earnings Growth N/A

Q/Q Revenue Growth N/A

Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

0.27

Low debt

Current Ratio

0.2

Weak

Quick Ratio

0.2

Poor

Cash/Share

$N/A

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q1 2026

Total Assets

$0.6B

Liabilities

$0.1B

Equity

$0.5B

Debt/Equity

0.27x

Financial Services Sector Comparison

Comparing FINS against 763 companies in the Financial Services sector (133 bullish, 317 neutral, 313 bearish)

P/E Ratio

7.66

This Stock

38.21

Sector Avg

-80.0% (Discount)

Return on Equity (ROE)

11.46%

This Stock

-1.82%

Sector Avg

-729.4% (Below Avg)

Profit Margin

129.96%

This Stock

75.74%

Sector Avg

+71.6% (Superior)

Debt to Equity

0.27

This Stock

1.42

Sector Avg

-81.0% (Less Debt)

Current Ratio

0.2

This Stock

3.32

Sector Avg

-94.0% (Weaker)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
FINS Angel Oak Financial...	NEUTRAL	$427.57M	7.66	11.5%	130.0%	$12.79
BTBT Bit Digital, Inc.	NEUTRAL	$427.82M	-	-12.8%	-71.7%	$1.31	Compare
MESH Meshflow Acquisition Corp.	NEUTRAL	$426.94M	-	-%	-%	$9.9	Compare
DFP Flaherty & Crumrine...	BEARISH	$428.22M	11.09	-%	-%	$20.85	Compare
BMRC Bank of Marin Bancorp	NEUTRAL	$425.22M	44.78	2.2%	10.2%	$26.42	Compare

FINS Angel Oak...

NEUTRAL

Mkt Cap

$428M

P/E

7.7

ROE

11.5%

Price

$12.79

BTBT Bit Digital, Inc.

Compare with FINS

Compare with FINS

Compare with FINS

BMRC Bank of Marin Bancorp

Compare with FINS

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-02-20	COHEN IRA P	Director	Purchase	379	$4,991
2025-12-12	FIERMAN MICHAEL	Investment Advisor	Purchase	16,220	$214,087
2025-11-20	PRABHU SREENIWAS	Investment Advisor	Purchase	9,203	$118,535

COHEN IRA P

Director

Buy

2026-02-20

379 shares · $4,991

FIERMAN MICHAEL

Investment Advisor

Buy

2025-12-12

16,220 shares · $214,087

PRABHU SREENIWAS

Investment Advisor

Buy

2025-11-20

9,203 shares · $118,535

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

CURRENT REPORT

2025-11-26

8-K

2025-10-02

FINS filed a current report on October 2, 2025, likely to announce its third-quarter financial results.

8-K

2025-06-18

8-K

CURRENT REPORT

2025-05-15

FINS filed a current report on May 15, 2025, likely announcing its first-quarter financial results.

8-K

CURRENT REPORT

2025-04-21

FINS filed a current report on April 21, 2025, likely announcing its first-quarter financial results.

8-K

2025-04-11

FINS filed an 8-K on April 11, 2025, likely to report its first-quarter financial results.

8-K

2025-04-01

FINS filed an 8-K on April 1, 2025, likely to announce its first-quarter financial results.

DEF 14A

ANGEL OAK FINANCIAL STRATEGIES INCOME TERM TRUST

2024-05-01

Angel Oak Financial Strategies Income Term Trust (FINS) filed a definitive proxy statement on May 1, 2024, providing shareholders with the necessary information to vote on corporate matters.

Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning FINS from our newsroom.

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FINS

FINS Angel Oak Financial Strategies Income Term Trust - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Past News Coverage

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