First National of Nebraska, Inc. (FINN) Stock Analysis

Why this analysis is different

• A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
• An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
• Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.

First National of Nebraska, Inc. (FINN) Financial Services Profile

First National of Nebraska, Inc. (FINN) stands out in the regional banking sector with its extensive suite of financial products and services, strong profit margins, and a long-standing commitment to community banking since its founding in 1857.

What Is the Investment Thesis for FINN?

First National of Nebraska, Inc. The company's profit margin stands at an impressive 22.4%, showcasing operational efficiency and effective cost management. Key growth catalysts include the expansion of digital banking services, which is expected to attract younger demographics and enhance customer engagement. Additionally, the company’s diverse product offerings, which span personal and commercial banking, position it well to capitalize on the growing demand for integrated financial solutions. However, investors should remain vigilant regarding risks associated with its OTC classification, which may impact liquidity and transparency. Continuous monitoring of regulatory changes and economic conditions affecting regional banks will be crucial for assessing FINN's long-term viability.

Based on FMP financials and quantitative analysis

FINN Key Highlights

Market capitalization of $5.34B, indicating strong market presence.

• P/E ratio of 8.62, suggesting potential undervaluation compared to industry peers.
• Profit margin of 22.4%, reflecting operational efficiency.
• Gross margin of 65.8%, indicating strong revenue generation capabilities.
• Dividend yield of 2.14%, providing income to shareholders.

Who Are FINN's Competitors?

FINN is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.

AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance This table mixes two scoring engines — compare a number only with others carrying the same tag.

What Are FINN's Key Strengths?

Strong regional presence with a long operational history.

• Diverse financial product offerings catering to various customer needs.
• High profit margins indicating effective cost management.
• Established brand reputation and customer loyalty.

What Are FINN's Weaknesses?

OTC classification may lead to lower liquidity.

• Less stringent reporting requirements could impact transparency.
• Limited geographic diversification compared to larger banks.
• Potential reliance on regional economic conditions.

What Could Drive FINN Stock Higher?

Expansion of digital banking services expected to attract new customers.

• Continued growth in small business lending as economic conditions improve.
• Enhanced wealth management services driving revenue growth.
• Introduction of new insurance products to capture market demand.
• Strong community engagement initiatives reinforcing brand loyalty.

What Are the Key Risks for FINN?

Financial-distress signal — its Altman Z-Score of 0.49 sits in the distress zone (elevated bankruptcy risk).

• Increased competition from fintech disruptors in the banking sector.
• Economic fluctuations impacting loan performance and profitability.
• Regulatory changes that may affect operational practices.
• Market volatility affecting investment services and asset management.

What Are the Growth Opportunities for FINN?

• Digital Banking Expansion: The digital banking sector is projected to grow at a CAGR of 10% over the next five years, driven by increasing consumer demand for online banking solutions. First National's investment in digital platforms positions it to capture this growth, enhancing customer access and engagement.
• First National's comprehensive financial planning and wealth management services can attract high-net-worth individuals, expanding its client base and revenue streams.
• Small Business Lending: With the small business lending market projected to grow by 8% annually, First National's focus on providing tailored lending solutions can capitalize on this trend, especially as economic recovery continues post-pandemic.
• Insurance Products: The insurance market is expected to grow by 5% annually, driven by increasing consumer awareness and demand for comprehensive coverage. First National's diverse insurance offerings can tap into this expanding market, enhancing its service portfolio.
• Agribusiness Solutions: The agribusiness sector is vital to the economy, with a projected growth rate of 6% over the next five years. First National's specialized services for agribusiness can strengthen its market position and attract new clients in this niche.

What Are FINN's Competitive Advantages?

• Established regional presence with a strong community focus.
• Diverse range of financial products catering to various customer segments.
• Long-standing history and brand reputation since 1857.
• Strong profit margins indicating operational efficiency.
• Investment in digital banking to enhance customer experience.

What Does FINN Do?

First National of Nebraska, Inc., founded in 1857 and headquartered in Omaha, Nebraska, operates as the bank holding company for First National Bank of Omaha. The company has evolved significantly over its long history, expanding its offerings to include a diverse range of banking products and services tailored for both individual and business clients. Its core offerings encompass checking and savings accounts, individual retirement accounts, certificates of deposit, and credit cards. Additionally, First National provides personal loans, auto loans, mortgage loans, home equity lines of credit, and small business loans, positioning itself as a comprehensive financial partner for its customers. Beyond traditional banking, the company also offers treasury management, financial planning, wealth management, and various insurance products. With a strong focus on community engagement, First National serves multiple sectors, including agribusiness, healthcare, and commercial real estate, enhancing its competitive positioning in the regional market. The company has embraced digital banking services, ensuring it meets the evolving needs of its clientele in an increasingly digital world. As of now, First National employs approximately 6,209 individuals, reflecting its substantial operational scale within the financial services industry.

What Products and Services Does FINN Offer?

• Offer a variety of banking products including checking and savings accounts.
• Provide personal, auto, and mortgage loans to individuals.
• Deliver small business loans and commercial lending solutions.
• Offer wealth management and financial planning services.
• Provide insurance products for personal, commercial, and farm needs.
• Facilitate treasury management and payroll services.

How Does FINN Make Money?

• Generate revenue through interest income from loans and mortgages.
• Earn fees from wealth management and financial planning services.
• Collect premiums from insurance products offered to clients.
• Charge fees for treasury management and payroll services.
• Receive transaction fees from digital banking services.

What Industry Does FINN Operate In?

The regional banking industry is characterized by a growing emphasis on community engagement and personalized financial services. As consumers increasingly seek tailored banking solutions, institutions like First National of Nebraska, Inc. are well-positioned to leverage their established local presence. The market is expected to continue evolving with technological advancements, particularly in digital banking, which is projected to grow significantly over the next few years. Competitively, First National faces challenges from both traditional banks and emerging fintech companies, necessitating ongoing innovation and adaptation to maintain its market share.

Who Are FINN's Key Customers?

• Individual consumers seeking personal banking solutions.
• Small businesses requiring loans and financial services.
• High-net-worth individuals looking for wealth management.
• Agribusiness clients needing specialized financial solutions.
• Commercial enterprises seeking treasury management services.

First National of Nebraska, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.49 places it in the distress zone, a signal of elevated financial risk.

Quarterly Financial Performance: First National of Nebraska, Inc.

Revenue for First National of Nebraska, Inc. came in at $889.0M during Q2 FY2026, a 6.5% improvement versus the preceding quarter. The company recorded net income of $212.0M, with diluted EPS of $603.28. Quarter-over-quarter revenue has been mixed, typical for a mid-cap company operating in Financial Services. Across the four most recent quarters, FINN averaged $572.40 in diluted EPS.

FINN Valuation & Market Position

With a $5.34B market cap, First National of Nebraska, Inc. sits in the mid-cap segment of the market. Relative to its peer group, FINN's quantitative score of 56/100 is below the peer average of 82/100.

Return on equity for First National of Nebraska, Inc. stands at 21.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 2.2%, showing how much profit it generates from its asset base. FINN trades at a trailing price-to-earnings ratio of 8.62, below the Financial Services sector average of ~17.50x. A current ratio of 2.23 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 15.3%, the inverse of the P/E and a quick read on earnings relative to price.

Company Profile

First National of Nebraska, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Omaha, US. The company is led by CEO Clarkson D. Lauritzen. FINN has traded publicly since 1994.

FINN Financials

FINN Latest News

FINN Analyst Consensus

FINN MoonshotScore

What Investors Ask About First National of Nebraska, Inc. (FINN) — Financial Services

Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.

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