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Upturn AI Summary - About
Angel Oak Financial Strategies Income Term Trust(FINS)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FINS
09/25/2026: FINS (1-star) is currently NOT-A-BUY. Pass it for now.
Angel Oak Financial Strategies Income Term Trust (FINS) is a closed-end fund that primarily invests in the debt and equity of community banks. The fund’s main strength lies in its specialized focus on the less-liquid, higher-yielding subordinated debt market, which can offer attractive income for investors. Its primary investment story revolves around harvesting income from the regional banking sector while managing credit risk through active selection. Risks include sensitivity to regional bank health, interest rate volatility, and the fund's historical tendency to trade at a discount to its net asset value. FINS is best suited for income-focused investors who understand the risks associated with the regional banking sector.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The fund's primary focus is income generation rather than aggressive capital appreciation. |
| Momentum investor | Mixed fit | Momentum fits only during broad financial sector upswings; otherwise, the fund is largely range-bound. |
| Value investor | Strong fit | The fund often trades at a discount to its underlying NAV, potentially offering value for long-term holders. |
| Dividend investor | Strong fit | The fund is designed specifically to provide consistent monthly income distributions. |
| Low-risk investor | Weak fit | Exposure to regional/community bank credit involves significant idiosyncratic and sector risk. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The share price of closed-end funds can fluctuate significantly due to changes in market sentiment and discount to NAV. |
| Valuation risk | Medium | Market price discounts or premiums to the actual value of portfolio assets can fluctuate unexpectedly. |
| Competition risk (Regional Bank Sector) | Medium | Performance is highly tied to the health of the community banking sector, which faces intense competitive and economic pressures. |
| Business quality | Medium | The fund's performance is dependent on the creditworthiness of underlying small and mid-sized banking institutions. |
| Dividend income | Medium | Distributions depend on the ability of portfolio banks to continue paying interest and dividends. |
| Execution risk | Medium | The fund's manager must effectively navigate complex, less-liquid credit markets to maintain target yields. |
Price Behavior
Flat / Range-Bound
The stock price has been trading within a narrow range with minimal directional movement.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type Stock | Historic Profit 23.68% | Avg. Invested days 87 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 396.32M USD | Price to earnings Ratio 7.19 | 1Y Target Price - |
Price to earnings Ratio 7.19 | 1Y Target Price - | ||
Volume (30-day avg) 46.6K shares | Beta 0.21 | 52 Weeks Range 11.66 - 12.74 | Updated Date 09/25/2026 |
52 Weeks Range 11.66 - 12.74 | Updated Date 09/25/2026 | ||
Dividends yield (FY) 11.21% | Basic EPS (TTM) 1.65 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Financial Sector Debt | Subordinated debt, trust preferred securities, and surplus notes from community banks. | The fund earns interest from loans made to smaller banks. |
| Financial Sector Equity | Common shares of community and regional banks. | The fund earns dividends from owning shares in smaller banks. |
Valuation
Trailing PE 7.19 | Forward PE - | Enterprise Value 434.42M | Price to Sales(TTM) 10.98 |
Enterprise Value 434.42M | Price to Sales(TTM) 10.98 | ||
Enterprise Value to Revenue 11.16 | Enterprise Value to EBITDA - | Shares Outstanding 33.42M | Shares Floating - |
Shares Outstanding 33.42M | Shares Floating - | ||
Percent Insiders 5.33 | Percent Institutions 101.99 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Angel Oak Financial Strategies Income Term Trust
Exchange NYSE | Headquarters Atlanta, GA, United States | ||
IPO Launch date 2019-05-29 | Managing Partner & Co-CEO of Angel Oak Capital Advisors, LLC Mr. Michael Allen Fierman | ||
Sector Financial Services | Industry Asset Management | Full time employees - | Website https://www.angeloakcapital.com |
Full time employees - | Website https://www.angeloakcapital.com | ||
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