Flagstar Bank, National Association FLG

12.37 (0.02) (0.16%) as of 25 Sep
Market cap
$5.1B
P/E
414×
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.00
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — 1 — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 28.01%

Capital & Financial Ratios

Market Cap 5,140.00
Revenue 4,434.00
Net Income 48.00
Free Cash Flow 68.00
Net Debt 10,521.00
Current Ratio 0.90
Debt/Equity 1.34
P/E ratio 413.67
P/S ratio 1.17
P/B ratio 0.68
Past 5Y EPS Growth (17.20%)
This Y EPS Growth 165.55%
Next Y EPS Growth 301.14%
Next 5Y EPS Growth 4.83%
in millions of $

Dividends

Payout Ratio 0.17
Annual Dividend Rate 0.68
Annual Dividend Yield 4.77%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.04
0.01
0.01
0.01
2025 0.04
0.01
0.01
0.01
0.01
2024 0.20
0.15
0.03
0.01
0.01
2023 2.04
0.51
0.51
0.51
0.51
2022 2.04
0.51
0.51
0.51
0.51
2021 2.04
0.51
0.51
0.51
0.51
2020 2.04
0.51
0.51
0.51
0.51
2019 2.04
0.51
0.51
0.51
0.51
2018 2.04
0.51
0.51
0.51
0.51
2017 2.04
0.51
0.51
0.51
0.51
2016 2.04
0.51
0.51
0.51
0.51
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 11,475 434 553 416
Receivables — — — —
Inventory — — — —
Other — — — —
96,284 68,404 60,520 60,742
2023 2024 2025 Q'26
Payables 81,526 75,870 66,000 67,521
ST’ Debt — — — —
Other — — — —
81,526 75,870 66,000 67,521
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 9.71% 22.13% 27.14%
Cash Flow 0.00% 0.00% 0.00%
Earnings 0.00% 0.00% 0.00%
Book Value 3.21% 3.54% (2.64%)

Revenue

Mar Jun Sep Dec Year
’26 1,039 1,052 — — —
’25 1,244 1,220 1,195 1,148 4,807
’24 1,522 1,662 1,647 1,522 6,353
’23 3,132 1,800 1,672 1,574 8,178
’22 443 491 526 879 2,339
’21 437 447 430 436 1,750
’20 458 438 432 441 1,769
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 (118) 226 — — —
’25 (590) 355 243 (189) (181)
’24 (294) 796 (1,039) 623 86
’23 3,035 (4,605) 1,054 779 263
’22 185 214 232 395 1,026
’21 124 (110) 61 215 290
’20 131 16 94 93 334
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 (138) 200 — — —
’25 (602) 348 233 (227) (248)
’24 (332) 774 (1,012) 620 50
’23 3,024 (4,647) 1,065 755 197
’22 184 226 230 383 1,023
’21 124 (112) 60 214 286
’20 130 20 95 90 335
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.03 0.06 — — —
’25 (0.26) (0.19) (0.11) 0.05 (0.50)
’24 (1.35) (1.14) (0.79) (0.41) (3.40)
’23 8.61 1.65 0.81 (11.65) 9.72
’22 0.93 1.02 0.90 0.90 3.78
’21 0.87 0.90 0.90 0.90 3.60
’20 0.60 0.63 0.69 1.17 3.06
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1.8
1Buy 2 3Hold 4 5Sell
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
53.04 48.78 43.59 41.37 36.15 42.99 40.71 42.66 31.86 13.85
High Price
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
1,820 1,799 1,781 1,889 1,769 1,750 2,339 8,178 6,353 4,807
Revenue
78.71% 74.86% 63.02% 55.11% 65.63% 77.14% 70.24% 70.48% 40.17% 42.90%
Gross Margin
777 668 558 523 588 806 826 (50) (1,378) (198)
EBT
42.69% 37.14% 31.31% 27.69% 33.24% 46.06% 35.31% (0.61%) (21.69%) (4.12%)
EBT Margin
495 466 422 395 511 596 650 (79) (1,118) (177)
Net Income
9 28 28 35 35 16 (14) 2,591 184 148
Depreciation
11.26 11.08 10.97 12.18 11.47 11.32 14.51 34.38 19.21 11.57
Revenue/Sh
3.03 2.70 2.37 2.31 3.06 3.60 3.78 9.75 (3.40) (0.50)
Earnings/Sh
4.67 8.17 3.33 3.29 2.17 1.88 6.36 1.11 0.26 (0.44)
Cash Flow/Sh
(0.52) (0.17) (0.06) 0.06 0.01 (0.03) (0.02) (0.28) (0.11) (0.16)
Capex/Sh
4.15 8.00 3.27 3.35 2.17 1.85 6.35 0.83 0.15 (0.60)
Free CF/Sh
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
4.24 3.54 2.57 2.96 2.76 3.24 1.79 0.91 0.49 1.09
PS Ratio
1.26 1.01 0.75 0.90 0.77 0.87 0.50 0.94 0.40 0.68
PB Ratio
11.45 9.31 9.72 10.27 10.75 11.44 10.04 2.11 2.69 3.51
EV/Sales
31.03 12.90 32.64 37.40 56.76 70.06 22.95 87.42 341.55 (67.98)
EV/FCF
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
671 1,299 531 519 335 286 1,023 197 50 (248)
FCF
10,978 11,691 10,717 10,831 12,318 12,691 13,034 14,758 (7,466) (5,480)
Working Cap'
13,673 12,914 14,208 14,558 16,084 16,562 21,332 21,267 14,426 12,184
Total Debt
13,116 10,386 12,733 13,816 14,136 14,351 19,300 9,792 13,992 11,631
Net Debt
6,124 6,795 6,655 6,712 6,842 7,044 8,824 8,367 8,167 8,143
Sh' Equity
1.00% 0.90% 0.76% 0.68% 0.86% 0.96% 0.81% (0.11%) (1.08%) (0.22%)
ROA
2.56% 2.43% 1.80% 1.59% 1.75% 2.42% 2.00% 0.96% (3.59%) (0.45%)
ROIC
8.22% 7.11% 6.18% 5.79% 7.52% 8.63% 8.20% (1.38%) (14.85%) (2.74%)
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Flagstar Bank, National Association peers in Banks Regional

All 325 Banks Regional stocks →

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.

Source: company filings (standardised) and stockrow calculations.

Flagstar Bank, National Association (FLG) Latest News

News by impact score

Fine-tune

17 Aug

3

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

3

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

3

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

3

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

3

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.

3 transcript

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

4

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.

3 transcript

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.

3

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.

3

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.

3

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

3

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

3

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

4

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

4

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

3

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

4

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

3

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.

3

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

3

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

4

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

4 transcript

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.

4

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.

4

Flagstar Bank (FLG) Q1 earnings surpassed estimates. Q1 earnings surpassing estimates boosts financial performance and investor sentiment significantly.

3

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.

3

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.

3

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

3

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

4

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

4

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.

stockrow.com/FLG · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com