Flagstar Bank, National Association FLG
- Market cap
- $5.1B
- P/E
- 414×
Follow FLG
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 41.22 | 35.01 | 25.83 | 27.60 | 23.16 | 30.84 | 24.51 | 17.43 | 5.10 | 8.56 |
Analyst estimates 2026–2028 Powerpack |
Low Price
|
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| 53.04 | 48.78 | 43.59 | 41.37 | 36.15 | 42.99 | 40.71 | 42.66 | 31.86 | 13.85 |
High Price
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| 3,487 | 3,096 | 2,913 | 2,786 | 2,948 | 2,815 | 7,497 | 8,766 | 6,993 | 5,631 |
Employees
|
|||
| 1 | 1 | 1 | 1 | 1 | 1 | 0 | 1 | 1 | 1 |
Revenue/Emp
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| 1,820 | 1,799 | 1,781 | 1,889 | 1,769 | 1,750 | 2,339 | 8,178 | 6,353 | 4,807 |
Revenue
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| 78.71% | 74.86% | 63.02% | 55.11% | 65.63% | 77.14% | 70.24% | 70.48% | 40.17% | 42.90% |
Gross Margin
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| 777 | 668 | 558 | 523 | 588 | 806 | 826 | (50) | (1,378) | (198) |
EBT
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| 42.69% | 37.14% | 31.31% | 27.69% | 33.24% | 46.06% | 35.31% | (0.61%) | (21.69%) | (4.12%) |
EBT Margin
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| 495 | 466 | 422 | 395 | 511 | 596 | 650 | (79) | (1,118) | (177) |
Net Income
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| 9 | 28 | 28 | 35 | 35 | 16 | (14) | 2,591 | 184 | 148 |
Depreciation
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| 11.26 | 11.08 | 10.97 | 12.18 | 11.47 | 11.32 | 14.51 | 34.38 | 19.21 | 11.57 |
Revenue/Sh
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| 3.03 | 2.70 | 2.37 | 2.31 | 3.06 | 3.60 | 3.78 | 9.75 | (3.40) | (0.50) |
Earnings/Sh
|
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| 4.67 | 8.17 | 3.33 | 3.29 | 2.17 | 1.88 | 6.36 | 1.11 | 0.26 | (0.44) |
Cash Flow/Sh
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| (0.52) | (0.17) | (0.06) | 0.06 | 0.01 | (0.03) | (0.02) | (0.28) | (0.11) | (0.16) |
Capex/Sh
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| 4.15 | 8.00 | 3.27 | 3.35 | 2.17 | 1.85 | 6.35 | 0.83 | 0.15 | (0.60) |
Free CF/Sh
|
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| 37.87 | 41.86 | 40.98 | 43.27 | 44.37 | 45.56 | 54.74 | 35.17 | 24.70 | 19.61 |
Book Value/Sh
|
|||
| 162 | 162 | 162 | 155 | 154 | 155 | 161 | 238 | 331 | 415 |
Shares
|
|||
| 15.61 | 14.52 | 11.91 | 15.61 | 10.24 | 10.26 | 6.86 | 0.00 | 0.00 | 0.00 |
PE Ratio
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| 4.24 | 3.54 | 2.57 | 2.96 | 2.76 | 3.24 | 1.79 | 0.91 | 0.49 | 1.09 |
PS Ratio
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| 1.26 | 1.01 | 0.75 | 0.90 | 0.77 | 0.87 | 0.50 | 0.94 | 0.40 | 0.68 |
PB Ratio
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| 11.45 | 9.31 | 9.72 | 10.27 | 10.75 | 11.44 | 10.04 | 2.11 | 2.69 | 3.51 |
EV/Sales
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| 31.03 | 12.90 | 32.64 | 37.40 | 56.76 | 70.06 | 22.95 | 87.42 | 341.55 | (67.98) |
EV/FCF
|
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| 756 | 1,327 | 540 | 510 | 334 | 290 | 1,026 | 263 | 86 | (181) |
Op' Cash Flow
|
|||
| (84) | (28) | (10) | 9 | 1 | (4) | (3) | (66) | (36) | (67) |
Capex
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| 671 | 1,299 | 531 | 519 | 335 | 286 | 1,023 | 197 | 50 | (248) |
FCF
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| 10,978 | 11,691 | 10,717 | 10,831 | 12,318 | 12,691 | 13,034 | 14,758 | (7,466) | (5,480) |
Working Cap'
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| 13,673 | 12,914 | 14,208 | 14,558 | 16,084 | 16,562 | 21,332 | 21,267 | 14,426 | 12,184 |
Total Debt
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| 13,116 | 10,386 | 12,733 | 13,816 | 14,136 | 14,351 | 19,300 | 9,792 | 13,992 | 11,631 |
Net Debt
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| 6,124 | 6,795 | 6,655 | 6,712 | 6,842 | 7,044 | 8,824 | 8,367 | 8,167 | 8,143 |
Sh' Equity
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| 1.00% | 0.90% | 0.76% | 0.68% | 0.86% | 0.96% | 0.81% | (0.11%) | (1.08%) | (0.22%) |
ROA
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| 2.56% | 2.43% | 1.80% | 1.59% | 1.75% | 2.42% | 2.00% | 0.96% | (3.59%) | (0.45%) |
ROIC
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| 8.22% | 7.11% | 6.18% | 5.79% | 7.52% | 8.63% | 8.20% | (1.38%) | (14.85%) | (2.74%) |
ROE
|
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Flagstar Bank, National Association peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| OZK Bank OZK | $5.1B | 7.7× | Compare |
| GGAL Grupo Financiero Galicia S.A. | $5.3B | 19.6× | Compare |
| AX AXOS FINANCIAL, INC | $5.0B | 10.3× | Compare |
| EBC Eastern Bankshares, Inc. | $4.9B | 12.2× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| ABCB Ameris Bancorp | $5.5B | 14.8× | Compare |
| ASB Associated Banc-Corp | $5.5B | 10.2× | Compare |
| AUB Atlantic Union Bankshares Corporation | $5.5B | 11.6× | Compare |
| TFSL TFS Financial Corporation | $4.7B | 46.4× | Compare |
Flagstar Bank, National Association (FLG) key facts
- Flagstar Bank, National Association (FLG) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
- Flagstar Bank, National Association’s revenue for fiscal 2025 (year ended December 2025) was $4.8 billion, down 24.3% from fiscal 2024.
- As of September 25, 2026, FLG traded at $12.37, a market capitalization of $5.1 billion.
- Flagstar Bank, National Association pays an annual dividend of $0.68 per share, a yield of 4.77%, with a payout ratio of 17.1%.
- Return on equity was −2.74% and debt-to-equity 1.34.
Flagstar Bank, National Association (FLG) Latest News
17 Aug
Flagstar Bank, National Association establishes strategic core banking relationship with Fiserv. Core banking partnership enables operational technology upgrades with moderate long-term effects on efficiency.
5 Aug
Flagstar Private Bank completed full implementation of its operating model, expanded leadership, and introduced new client capabilities. Operational model completion plus leadership and capability expansions moderately strengthen Flagstar efficiency and client offerings.
31 Jul
Flagstar Financial’s Q2 earnings call drew five key analyst questions focused on the bank’s financial results, outlook, and operational priorities. Questions from the earnings call address financial performance and strategy, producing moderate influence on near-term sentiment without signaling major structural change.
27 Jul
Flagstar Bank shares declined after missing Q2 earnings and reporting lower fee income versus the prior year. Q2 earnings miss combined with falling fee income triggered an immediate share price drop for Flagstar Bank.
25 Jul
Flagstar Bank authorizes $250 million share repurchase program. Share repurchase program of this size signals management confidence in valuation and supports earnings per share through reduced share count.
Flagstar Financial, Inc. presented Q2 2026 earnings results in its earnings call. Q2 earnings details can affect short-term stock performance and market sentiment.
24 Jul
Flagstar Bank, National Association announces a $250 million share repurchase program. A $250 million share repurchase program signals capital strength and is likely to support Flagstar Bank's stock price and investor sentiment.
Flagstar Bank, National Association released Q2 earnings call highlights covering financial results, operational metrics, loan and deposit trends, and management outlook on interest rates and strategy. Q2 earnings highlights supply updated financial metrics and guidance that moderately shape near-term investor views and valuation.
Flagstar Bank (FLG) posted Q2 earnings and revenue below analyst estimates. Q2 earnings and revenue misses typically pressure near-term stock price and analyst forecasts.
Flagstar Bank shares declined after second-quarter earnings and revenue missed analyst expectations. Earnings and revenue shortfalls triggered immediate share price declines and highlighted near-term operational pressure.
Flagstar Financial missed Q2 CY2026 sales expectations. Sales shortfall creates moderate pressure on near-term valuation and sentiment without altering long-term bank operations.
22 Jul
Flagstar Financial prepares to report earnings with focus on net interest margin, loan growth, deposit trends and credit quality metrics that will shape FLG stock reaction. Earnings preview sets expectations that can moderately move short-term sentiment and trading in FLG without altering long-term trajectory.
22 Jun
Flagstar Bank CIO states proprietary technology delivers optionality for strategic flexibility and operations. CIO comments on proprietary tech point to moderate competitive and operational upside without quantified results.
15 Jun
Flagstar Bank announces proprietary technology transformation. Proprietary technology transformation signals major strategic shift likely to alter Flagstar Bank's competitive positioning and performance.
12 May
Flagstar Bank reports turnaround progress, plans capital returns to shareholders, and highlights declining commercial real estate exposure. Turnaround progress and falling CRE exposure enable capital returns, boosting financial stability and investor confidence.
2 May
Top 5 analyst questions from Flagstar Financial’s Q1 earnings call spotlight key concerns on performance, strategy, and outlook. Q1 earnings call analyst questions highlight areas affecting financial performance and investor sentiment.
1 May
Flagstar Bank (FLG) beat earnings expectations and progressed in balance sheet repositioning, prompting a valuation review amid positive financial signals. Earnings beat combined with balance sheet repositioning advances represent major strategic and financial improvements likely to boost Flagstar Bank's trajectory and investor sentiment.
27 Apr
Flagstar Bank, National Association released Q1 earnings call highlights covering financial results, strategic updates, and forward guidance. Q1 earnings highlights provide insights into financial performance and operations, moderately influencing investor sentiment and stock trajectory.
Flagstar Bank (FLG) Q1 earnings beat estimates on net interest income growth, but stock dipped as fee income fell year-over-year. Earnings beat highlights NII strength amid fee income weakness, moderately impacting financial performance and market sentiment.
26 Apr
Flagstar Bank (FLG) Q1 results show revenue miss, but loan diversification and deposit growth shape positive outlook. Revenue miss creates moderate headwinds balanced by loan diversification and deposit growth gains.
25 Apr
Flagstar Bank NA (FLG) Q1 2026 earnings call highlights strong loan growth and robust capital position. Strong loan growth and capital strength drive significant positive impact on financial performance and market sentiment.
24 Apr
Flagstar Bank (FLG) released its Q1 2026 earnings call transcript detailing quarterly financial results and management commentary. Q1 2026 earnings transcript discloses financial performance, strategic updates, and guidance that significantly influence FLG's trajectory and investor sentiment.
Flagstar Bank (FLG) Q1 earnings compared to analyst estimates, with analysis of key metrics. Q1 earnings comparison to estimates signals financial health and drives significant shifts in investor sentiment and stock trajectory.
Flagstar Bank (FLG) Q1 earnings surpassed estimates. Q1 earnings surpassing estimates boosts financial performance and investor sentiment significantly.
Flagstar Financial, Inc. Q1 2026 earnings call highlighted financial results, operational updates, strategic initiatives, and forward-looking guidance for the banking operations under Flagstar Bank, National Association. Quarterly earnings summary provides insights into financial health and guidance with moderate influence on stock performance and investor outlook.
Flagstar Financial (NYSE:FLG) reported sales below analyst estimates in Q1 CY2026 earnings. Missing sales estimates highlights revenue weakness, moderately impacting financial performance and investor sentiment.
Flagstar Bank posts second consecutive quarter of profitability, reporting first quarter 2026 net income attributable to common stockholders of $0.03 per diluted share and adjusted net income attributable to common stockholders of $0.04 per diluted share. Second consecutive profitable quarter with positive EPS demonstrates improving financial performance and stability, moderately enhancing market sentiment.
17 Apr
Flagstar Bank (FLG) earnings expected to grow amid positive analyst outlook, raising question of whether investors should buy the stock. Expected earnings growth signals moderately noticeable positive influence on financial performance and market sentiment.
15 Apr
Flagstar Financial (FLG) shows minimal downside risk and 45-100% upside potential. Bullish assessment of minimal downside and 45-100% upside signals significant potential boost to FLG investor sentiment and stock trajectory.
6 Apr
Moody's upgraded Flagstar Bank, National Association's deposit rating and maintained a positive outlook. Moody's deposit rating upgrade enhances Flagstar Bank's creditworthiness, potentially lowering funding costs and improving investor sentiment.