National Rural Utilities Cooper (NRUC) Fair Value 2026

NRUC · Miscellaneous Business Credit Institution ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.2 /10

32 fundamental signals · 1 models active

Value Trap Risk

SAFE (15/100)

Quick Summary — As of 2026-08-27, National Rural Utilities Cooper (NRUC) trades at $21.42. QOC: 7.2/10. Value Trap Risk: 15/100 (SAFE). 1/13 models active.

Key Facts

Ticker
NRUC
Price
$21.42
Quality Score
7.2/10
Value Trap Risk
15/100
Models Active
1/13
Last Updated
Strength: Earnings Power Value suggests +368.8% upside with 49% confidence
Risk: Limited model coverage (1/13) may reduce confidence

What Fair Value Does Each Model Give NRUC?

1 Intrinsic Value Models vs. Current Price ($21.42)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Medium Conviction
 $100.43 +368.8%

All Models Active

All 1 models are displayed above.

What Is National Rural Utilities Cooper (NRUC) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, the weight of evidence tilts decidedly bullish for National Rural Utilities Cooper. Trading at $21.42 against an estimated intrinsic value of $100.43, 1 of 1 active models flag meaningful upside of +368.8% at the median.

What Do the Models Say About NRUC?

1 of 13 models are currently active for NRUC. All 1 active models suggest the stock trades below fair value. See which stocks rank higher →

How Does NRUC Rank in Miscellaneous Business Credit Institution?

Among 1 Miscellaneous Business Credit Institution stocks, NRUC ranks #1 by Quality of Company score. CirclFi's QOC score of 7.2/10 evaluates 32 fundamental signals. A score of 7.2 indicates above-average quality.

The Miscellaneous Business Credit Institution sector introduces analytical considerations specific to banking businesses. For National Rural Utilities Cooper, metrics like net interest margin (NIM) provide important context that general-purpose valuation models may underweight.

Is NRUC a Value Trap?

CirclFi's Value Trap algorithm assigns NRUC a score of 15/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

1 of 13 models are active for National Rural Utilities Cooper. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, National Rural Utilities Cooper scores 7.2 out of 10 on our 32-signal quality assessment, a solid rating that maintains reasonable quality metrics with some areas for improvement. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

CirclFi runs 13 independent models for each stock. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every NRUC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across NRUC's 1 active models, average confidence is 49%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy National Rural Utilities Cooper Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Other Stocks Have a Similar Quality Score to NRUC?

7 companies across all industries closest to NRUC’s Quality of Company score of 7.2/10.

SPHRSphere Entertainment Co.QOC 7.2SFNCSimmons First National CorporationQOC 7.2FATNFatPipe, Inc.QOC 7.2FDXFFedEx Freight Holding Company, Inc.QOC 7.2ALBAlbemarle CorporationQOC 7.2UNMUnum GroupQOC 7.2NVDANVIDIA CorporationQOC 10.0

Read investment analysis: SPHR · SFNC · FATN · FDXF · ALB · UNM · NVDA

What Else Do Investors Ask About National Rural Utilities Cooper’s Valuation?

What is National Rural Utilities Cooper's intrinsic value in 2026?

CirclFi does not yet have enough active models to publish a median fair value for National Rural Utilities Cooper (NRUC). The Quality of Company score is 7.2/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is NRUC overvalued or undervalued right now?

At $21.42, 1 of 1 active models suggest NRUC may be undervalued, while 0 indicate potential overvaluation. The assessment depends on which methodology best fits National Rural Utilities Cooper's business model in Miscellaneous Business Credit Institution.

What does a Quality of Company score of 7.2 mean for NRUC?

National Rural Utilities Cooper's QOC of 7.2/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on NRUC?

CirclFi analyzes NRUC with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 1 of 13 are active for this stock. Read the full methodology →

Is NRUC a value trap in 2026?

National Rural Utilities Cooper's Value Trap score is 15/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “CirclFi assigns National Rural Utilities Cooper (NRUC) a Quality of Company score of 7.2/10 across 32 fundamental signals as of 2026-08-27.” Source: circlfi.com/stock/NRUC/ · Methodology
Primary sources for this NRUC valuation
  • Financial statements: National Rural Utilities Cooper 10-K and 10-Q filings on SEC EDGAR (CIK 0000070502) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for NRUC as of ; valuations recomputed .