Angel Oak Financial Strategies Income Term Trust
FINSFinancial Services · Stock · monthly payer
Forward Yield
11.51%
Annual Dividend
$1.38
Payout Ratio
74%
5-Yr Growth
1.4%
Ex-Date
Sep 16, 2026
Frequency
Monthly
Summary
As of September 2026, Angel Oak Financial Strategies Income Term Trust (FINS) yields 11.51% ($1.38 per share annually), with a blended fair-value estimate of $24.60 — +101% upside, so it screens as undervalued. Dividend safety grade: C (57/100). 2 years of dividend growth.
Is FINS a good dividend stock?
MixedAngel Oak Financial Strategies Income Term Trust (FINS) pays a monthly dividend yielding 11.51% ($1.38/yr), with 2 years of growth and a dividend-safety grade of C. The picture is mixed — the dividend pays, but safety or growth signals are weaker than ideal.
Advantages
Risks
- Cut its dividend in 2023
- Very high yield can signal elevated risk
- Share price is down over the past 5 years
Key Data
- Dividend Yield
- 11.51%
- Payout Ratio
- 74%
- Annual Dividend
- $1.38
- 5-Yr Avg Growth
- 1.4%
- Ex-Dividend Date
- Sep 16, 2026
- Years of Growth
- 2
- Frequency
- monthly
- Beta
- 0.21
- Market Cap
- $397.7M
- P/E Ratio
- 7.1
- 5-Yr Total Return
- -28%
- 52-Week Range
- $12.18 – $13.45
- Dividend Safety
- C · 57/100
- Ever Cut?
- Yes (2023)
Frequently Asked Questions
FINS Price — Last 12 Months
Daily close
Price Return
1 Year
-7%
3 Years
+2%
5 Years
-28%
52-Week Range
$12.18 – $13.45
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is FINS worth?
Undervaluedlow confidenceOur blended fair-value estimate for Angel Oak Financial Strategies Income Term Trust is $24.60 per share, versus a market price of $12.23. That implies 101% of upside — a margin of safety of about 50%.
Fair Value
$24.60
Current Price
$12.23
Upside
+101%
Margin of Safety
50%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model 1.5% — below our estimate, leaving room for upside if the business executes.
Assumptions: 7.0% discount rate (CAPM), 1.5% stage-1 growth, 2.5% terminal growth, $1.67 EPS, $1.38 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
FINS Dividend Safety Score
Borderline
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
Full FINS dividend history →| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Sep 16, 2026 | — | $0.1150 | regular |
| Aug 17, 2026 | — | $0.1150 | regular |
| Jul 17, 2026 | — | $0.1150 | regular |
| Jun 16, 2026 | — | $0.1150 | regular |
| May 15, 2026 | — | $0.1150 | regular |
| Apr 16, 2026 | — | $0.1150 | regular |
| Mar 17, 2026 | — | $0.1150 | regular |
| Feb 13, 2026 | — | $0.1150 | regular |
| Jan 16, 2026 | — | $0.1150 | regular |
| Dec 17, 2025 | — | $0.1150 | regular |
| Nov 14, 2025 | — | $0.1150 | regular |
| Oct 17, 2025 | — | $0.1150 | regular |
| Sep 16, 2025 | — | $0.1150 | regular |
| Aug 15, 2025 | — | $0.1150 | regular |
Income Calculator
At $1.38 / yr per share
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