FINS vs FLCB
Angel Oak Financial Strategies Income Term Trust vs Franklin US Core Bond ETF
Which is better, FINS or FLCB?
Each has led over a different period.
FINS led over 1Y, 3Y and 5Y, FLCB over the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | FINS | FLCB |
|---|---|---|
| Expense Ratio | - | 0.15% |
| AUM | $434M | $3.1B |
| Dividend Yield | 10.60% | 4.50% |
| Holdings | 242 | 642 |
| YTD Return | -2.43% | -2.14%Best |
| 1Y Return | +0.95%Best | -2.11% |
| 3Y Return (annualized) | +10.09%Best | +4.58% |
| 5Y Return (annualized) | +2.59%Best | -0.62% |
| Volatility (annualized) | 10.9% | 5.7%Best |
| Max Drawdown | -41.5% | -20.4%Best |
| $10,000 over 5 years | $11,364Best | $9,694 |
| Fund Family | Angel Oak Capital Advisors | Franklin Templeton Investments (US) |
| Category | Fixed Income | Fixed Income |
| Inception | May 29, 2019 | Sep 17, 2019 |
Not shown on this pair: Top 10 Weight, Style.
Volatility and max drawdown are measured over the window both funds cover: Sep 19, 2019 to Oct 14, 2026 (7.1 years).
FINS vs FLCB growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 7.1 years both funds cover.
FINS vs FLCB Performance
Angel Oak Financial Strategies Income Term Trust (FINS) is an ETF from Angel Oak Capital Advisors and Franklin US Core Bond ETF (FLCB) is an ETF from Franklin Templeton Investments (US). Over the past year FINS returned +0.95% while FLCB returned -2.11%. Year to date, FINS is down 2.43% versus a loss of 2.14% for FLCB.
Over three years, FINS compounded at +10.09% per year against +4.58% for FLCB; over five years the annualized figures are +2.59% and -0.62% respectively. Across the full 7-year window we track, FLCB has the edge at -0.06% annualized vs -0.13%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FINS has been the more volatile fund, with annualized monthly volatility of 10.9% compared with 5.7% for FLCB. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -41.5% for FINS and -20.4% for FLCB. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.37. They move together some of the time, and apart the rest.
Holdings Overlap
We hold position weights for 63 holdings in FINS and 342 in FLCB, totalling 37.4% and 61.0% of the two funds. Neither is a share of a fund we can divide by, so no overlap percentage is shown here. Within what we can see, 2 positions appear in both.
The two holdings books were reported 63 days apart, FINS as of Jul 31, 2026 and FLCB as of Oct 2, 2026, so some of the difference between them is the time between the two reports rather than the funds.
2 positions in common, counted across the 63 positions we hold weights for in FINS and 342 in FLCB, against full books of 242 and 642.
Top Shared Holdings
| Stock | Weight in FINS | Weight in FLCB | Difference |
|---|---|---|---|
| FITB V5.631 01/29/32Fifth Third Bancorp 5.631 2032-01-29 | 0.90% | 0.12% | 0.78% |
| PNC V5.676 01/22/35Pnc Financial Services Group Inc/The 5.68 01/22/2035 | 0.22% | 0.03% | 0.19% |
You are not choosing between two funds in isolation.
Whichever of FINS and FLCB you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which performed better, FINS or FLCB?
Over the past year FINS returned +0.95% vs -2.11% for FLCB, so FINS leads on 1-year performance. Over the longest common window we track (7 years), FINS annualized -0.13% vs -0.06% for FLCB. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FINS or FLCB?
FINS has been the more volatile fund at 10.9% annualized versus 5.7% for FLCB. Worst drawdown: FINS -41.5% vs FLCB -20.4%.
Should I hold both FINS and FLCB?
FINS and FLCB have a monthly-return correlation of 0.37, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, FINS or FLCB?
FINS yields 10.60% while FLCB yields 4.50%, so FINS currently pays the higher dividend yield.
Is FLCB better than FINS?
FINS led over 1Y, 3Y and 5Y, FLCB over the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.