FINN (First National of Nebraska) Earnings Power Value (EPV): $-9,723.77 (As of Dec25)

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FINN First National of Nebraska Inc FINN
15 GF Score
Price $19,399.99
GF Value $15,826.54
! 5 Warning Signs
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What is First National of Nebraska Earnings Power Value (EPV)?

First National of Nebraska FINN 15 Earnings Power Value (EPV) is $-9,723.77 as of Dec25. GuruFocus rates FINN with a GF Score™ of 15/100 and a GF Value™ of $15,826.54. The stock has 5 warning signs investors should review.

As of Dec25, First National of Nebraska's earnings power value is $-9,723.77. *

* GuruFocus does not store EPV value into our database if Average Maintenance CAPEX is 0.

Margin of Safety is N/A.

The basic concept of EPV is that one should value a stock based on the current free cash flow of a company and not on future projections which may, or may not, come true. It is arguably a better way to analyze stocks than Discounted Cash Flow analysis that relies on highly speculative growth assumptions many years into the future. Assumption: Current profitability is sustainable.


First National of Nebraska  (OTCPK:FINN) Earnings Power Value (EPV) Explanation

Assumption: Current profitability is sustainable.

Earnings power value (EPV) uses a very basic equation which assumes no growth, although it does rely on an assumption about the cost of capital as well as the fact that current earnings are sustainable. It also involves several adjustments to clean up the underlying Earnings figures.


Be Aware

Though using today's earnings in calculating Earnings Power Value, GuruFocus is normalizing these earnings to the business cycle. This eliminates the effects on profitability of valuing the firm at different points in the business cycle. This means that we are considering the average earnings over 5 years.


First National of Nebraska Earnings Power Value (EPV) Related Terms


First National of Nebraska Earnings Power Value (EPV) Historical Data

* Premium members only.

The historical data trend for First National of Nebraska's Earnings Power Value (EPV) can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

First National of Nebraska Earnings Power Value (EPV) Chart

First National of Nebraska Annual Data
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First National of Nebraska Quarterly Data
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FINN vs OZK, EBC, AX: Earnings Power Value (EPV) Comparison

For the Banks - Regional subindustry, First National of Nebraska's Earnings Power Value (EPV), along with its competitors' market caps and Earnings Power Value (EPV) data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


First National of Nebraska Earnings Power Value (EPV) vs Banks Industry

For the Banks industry and Financial Services sector, First National of Nebraska's Earnings Power Value (EPV) distribution charts can be found below:

* The bar in red indicates where First National of Nebraska's Earnings Power Value (EPV) falls into.


FINN
15GF Score
First National of Nebraska Inc FINN
Earnings Power Value (EPV) is just one metric. See GF Score™, valuation, warning signs, and more.
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First National of Nebraska Earnings Power Value (EPV) Calculation

Earnings Power Value also known as just Earnings Power is a valuation technique popularised by Bruce Greenwald, an authority on value investing at Columbia University. It is arguably a better way to analyze stocks than Discounted Cash Flow analysis that relies on highly speculative growth assumptions many years into the future.

The basic concept of EPV is that one should value a stock based on the current free cash flow of a company and not on future projections which may, or may not, come true. This valuation tool excludes the potential growth that a company may have so that needs to be looked at separately. Since future growth is excluded from the analysis, only the maintenance capital expenditures are subtracted from after-tax EBIT (earnings before interest and taxes) and growth capex is ignored.

What does a Earnings Power Value (EPV) of $-9,723.77 mean?
First National of Nebraska (FINN) has a Earnings Power Value (EPV) of $-9,723.77 as of Dec25. Bruce Greenwald's earnings power value focuses on current earnings without factoring in future growth. View historical data on First National of Nebraska and its competitors.
Is First National of Nebraska's Earnings Power Value (EPV) too high?
First National of Nebraska's current Earnings Power Value (EPV) is $-9,723.77. Overall, First National of Nebraska has a GF Score™ of 15/100, reflecting its overall financial health beyond just this single metric.
How does First National of Nebraska's Earnings Power Value (EPV) compare to OZK and EBC?
First National of Nebraska's Earnings Power Value (EPV) of $-9,723.77 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings Power Value (EPV) for a Banks company?
A good Earnings Power Value (EPV) depends on the Banks industry context. However, Earnings Power Value (EPV) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Earnings Power Value (EPV) mean?
A high Earnings Power Value (EPV) can signal that a stock is expensive relative to its fundamentals. Bruce Greenwald's earnings power value focuses on current earnings without factoring in future growth. View historical data on First National of Nebraska and its competitors. First National of Nebraska's current Earnings Power Value (EPV) is $-9,723.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First National of Nebraska stock overvalued right now?
First National of Nebraska (FINN) has a current Earnings Power Value (EPV) of $-9,723.77. The stock's GF Value™ is $15,826.54, compared to a current price of $19,399.99 — trading 22.6% above its estimated fair value. The current Earnings Power Value (EPV) is $-9,723.77. First National of Nebraska's overall GF Score™ is 15/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings Power Value (EPV) calculated?
Earnings Power Value (EPV) is calculated from a company's financial statements. For First National of Nebraska (FINN), the current Earnings Power Value (EPV) is $-9,723.77 as of Dec25. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is First National of Nebraska (FINN) Overvalued in 2026?

Based on GuruFocus' analysis, First National of Nebraska stock appears to be overvalued. The current stock price of $19,399.99 is trading 22.6% above its estimated GF Value™ of $15,826.54.

Key valuation signals for FINN:

  • Earnings Power Value (EPV): $-9,723.77
  • GF Value™: $15,826.54 vs. price of $19,399.99 (22.6% above fair value)
  • GF Score™: 15/100 with 5 warning signs

No single metric tells the full story. See the FINN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


First National of Nebraska Business Description

Address 1601 Dodge Street, Stop Code 3395, Omaha, NE, USA, 68197
First National of Nebraska Inc is a Nebraska-based interstate financial holding company operated by its banking subsidiary. Additionally, the Company has nonbanking subsidiaries engaged in various businesses, including technology hosting and related activities. The Bank's primary objective is to enhance the financial well-being of its customers through a customer-centric business model focused on providing financial advice and guidance and relevant financial solutions. The Bank supports its business customers with real estate, commercial, and agriculture loans as well as cash and wealth management solutions.
15GF Score

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Earnings Power Value (EPV) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19,399.99
Price
$15,826.54
GF Value