# Angel Oak Financial Strategies Income Term Trust of Beneficial Interest (FINS) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Capital Markets. Price $11.98, market value $400 million.

## Valuation
- **P/E (trailing): 11.7×** (5-yr avg 19.5×, 3-yr avg 19.5×). Angel Oak Financial Strategies Income Term Trust of Beneficial Interest trades at 11.7× trailing earnings, well below its own five-year average of 19.5×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 8.5×**. Each dollar of revenue is priced at 8.5×.
- **Price / book: 0.9×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: -14.6%** (5-yr avg 7.8%). Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.
- **Earnings yield: 8.5%**. The inverse of the P/E: 8.5% of the price is earned each year.

## Profitability
- **Net margin: 99.5%**. 99.5% of each dollar of sales reaches the bottom line.
- **Return on equity: 10.1%**. 10.1% on shareholders' equity is solid.
- **Return on assets: 7.9%**. Each dollar of assets produces 7.9% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 16.7%**. Revenue grew 16.7% over the last year.

## Dividends
- **Dividend yield: 11.52%** ($1.38 per share, trailing). Angel Oak Financial Strategies Income Term Trust of Beneficial Interest yields 11.52%, high enough to check carefully: yields this high often precede a cut.
- **Payout ratio: 88%**. 88% of earnings goes out as dividends, leaving a thin cushion.
- **Consecutive years of increases: 2**. 2 straight years of increases.
- **Dividend growth (5 yr): 1.4%/yr** (1-yr 2.3%). The dividend has grown 1.4% a year over five years.

## Price and momentum
- **Total return (1 yr): -0.9%** (YTD -3.2%, 3-mo -4.5%). The shares are down 0.9% over twelve months including dividends.
- **From 52-week high: -10.9%** (3.2% above the low). Trading 11% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 54**. An RSI of 54 is neutral.
- **Beta (1 yr): 0.26** (volatility 9%). Beta of 0.26 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=FINS · Page: https://foliofundamentals.com/stocks/fins

Not investment advice.