First National of Nebraska, Inc (FINN) Fair Value & Analysis

Financial Services · US · Market cap $5.0B

A solid business, screening 35% undervalued on our models.

What matters now

• Solid quality (65/100) at a price below fair value, the discount is the argument here, not the business quality.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.

How to read this chart

60‑month range $5,970 – $19,258 · fair‑value band $19,230 – $32,049 · the $19,000 price screens below the $25,639 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.

Full chart & analysis →

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Analysis

First National of Nebraska, Inc (FINN) currently trades at $19,000, while our model-based Fair Value estimate is $25,639, implying the stock looks roughly 34.9% undervalued today. The Quality Score stands at 65/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, First National of Nebraska, Inc generated revenue of $1.9B at a net margin of 20.6%. Revenue declined 0.4% year over year. Net debt stands at $526M. The stock trades on a trailing P/E of 9.4. Fundamentals as of Jul 26, 2026

Our scenario range runs from $19,230 (bear case) to $32,049 (bull case); at $19,000, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 1% below its 52-week high and 51% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 35%, FINN screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($20,078) versus Dividend Discount ($5,971). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

First National of Nebraska, Inc. operates as the bank holding company for First National Bank of Omaha that provides various banking products and services. It provides checking, savings, and individual retirement accounts; certificates of deposit; and credit cards.

Full company description

First National of Nebraska, Inc. operates as the bank holding company for First National Bank of Omaha that provides various banking products and services. It provides checking, savings, and individual retirement accounts; certificates of deposit; and credit cards. It also provides personal loans and lines of credit; auto loans; mortgage loans; home equity lines of credit and loans; small business loans and lines of credit; small business administration loans; and commercial lending solutions. In addition, the company offers treasury management, debt consolidation, financial planning, retirement planning, wealth management, and merchant. Further, it provides solutions for agribusiness, commercial real estate, correspondent banking, financial institutions, healthcare banking, loan syndications, sponsor finance, and transportation banking. First National of Nebraska, Inc. was founded in 1857 and is headquartered in Omaha, Nebraska.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

First National of Nebraska, Inc reported revenue of $3.4B in FY2025 versus $1.6B in FY2021, a compound +19.9%/yr. Reported net income was $533M in FY2025, compounding +1.9%/yr from FY2021.

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Peer Group

Banks - Regional · 1083 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 26, 2026).

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.