Angel Oak Financial Strategies Income Term Trust Common Shares of Beneficial Interest (FINS)

FairStock Score: 68/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at FINS as an asset-management trust in financial services, and the first thing I notice is the price: $12.01 at the close on 2026-10-13 sits near the low end of its 52-week range of $11.82 to $13.45. On FairStock's calculations, it trades at 7.19 times earnings, 0.60 times book, and below a Graham Number of $22.87, giving a 47.49% margin of safety. The dividend yield is 11.28%, and the beta is only 0.21. Those are superficially attractive numbers. Quality is where I pause. The FairStock-calculated return on equity is 11.46%, which is respectable, but ROCE is just 3.27%, and debt to equity is 0.27. The Piotroski F-score is 1/9, a weak reading on fundamental momentum, and the Altman Z-score is 1.96, which suggests financial risk rather than a fortress balance sheet. I have no revenue growth, profit growth, or multi-year filed results to study; FairStock cannot assign a Lynch category because there are only 0 years of filed results, and it needs three. That lack of history makes it hard to judge whether the high payout is durable or merely a symptom of a cheap, troubled security. Valuation says cheap; evidence of quality says unproven. The FairStock Score of 68/100 is neither a screaming bargain nor a clear reject. As Graham would say, price is what you pay and value is what you get, but here the value depends on income streams I cannot verify from the data. I would want several years of filed results and stronger fundamental scores before treating the discount as a true margin of safety.

In plain English: This is a financial asset-management trust whose shares change hands at a discount to its accounting value and at a low price compared with its profits. The dividend is very high, and the shares have moved less than the broad market. However, its safety and quality scores look weak, so the cheap price may be pointing to real risks rather than an easy bargain.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer