FLG Stock Analysis: Flagstar Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 5.205m USD | 12M Return: 7.4% | US6494454001 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 54.3M
Qual. Beats: 0
Rev. Trend: -71.7%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Flagstar Financial, Inc. (NYSE: FLG) operates through its primary subsidiary, Flagstar Bank, National Association, a regional U.S. bank founded in 1859 and headquartered in Hicksville, New York. The bank provides a full suite of retail and commercial banking products, including interest-bearing and non-interest-bearing deposits, certificates of deposit, and a diversified loan portfolio spanning multi-family, commercial real estate, acquisition/development/construction, commercial and industrial, one-to-four family, specialty finance, warehouse, home equity, and consumer loans. It also distributes non-deposit investment and insurance products and offers online and mobile banking, primarily serving individuals, small and mid-size businesses, and professional associations.
As a mid-cap regional bank (~$6.3B market cap) within the Financials sector, FLGs mix of warehouse loans and specialty finance exposure points to a meaningful role in mortgage origination and correspondent lending, supplementing its more traditional community-style deposit-gathering and commercial real estate franchise. The company has been publicly traded since 1993, providing investors exposure to a long-established Northeastern regional banking platform with a multi-channel distribution model.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan losses pressure credit provisions
- Specialty finance and warehouse lending drive fee income growth
| Net Income: 48.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA 0.79 > 1.0 |
| NWC/Revenue: -305.2% < 20% (prev -1.16k%; Δ 851.9% < -1%) |
| CFO/TA 0.00 > 3% & CFO 173.0m > Net Income 48.0m |
| Net Debt (-5.78b) to EBITDA (214.0m): -27.02 < 3 |
| Current Ratio: 0.56 > 1.5 & < 3 |
| Outstanding Shares: last quarter (473.6m) vs 12m ago 14.09% < -2% |
| Gross Margin: 44.96% > 18% (prev 29.13%; Δ 15.83% > 0.5%) |
| Asset Turnover: 4.85% > 50% (prev 6.01%; Δ -1.16% > 0%) |
| Interest Coverage Ratio: 0.04 > 6 (EBIT TTM 84.0m / Interest Expense TTM 2.34b) |
| A: -0.15 (Total Current Assets 17.0b - Total Current Liabilities 30.3b) / Total Assets 87.7b |
| B: -0.01 (Retained Earnings -958.0m / Total Assets 87.7b) |
| C: 0.00 (EBIT TTM 84.0m / Avg Total Assets 90.0b) |
| D: 0.10 (Book Value of Equity 8.14b / Total Liabilities 79.6b) |
| Altman-Z'' = -0.92 = CCC |
As of September 27, 2026, the stock is trading at USD 12.37 with a total of 5,876,791 shares traded. Over the past week, the price has changed by -1.43%, over one month by -7.89%, over three months by -18.29% and over the past year by +7.42%.
Current recommended Stop Loss: 12.00 (which is 3% or 1.4 ATR below the current price).
Flagstar Financial has received a consensus analysts rating of 3.63. Therefore, it is recommended to hold FLG.
- StrongBuy: 4
- Buy: 2
- Hold: 10
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 16.4 | 32.4% |
P/E Trailing = 418.0
P/E Forward = 7.6278
P/S = 2.5629
P/B = 0.6843
P/EG = 0.4721
Revenue TTM = 4.37b USD
EBIT TTM = 84.0m USD
EBITDA TTM = 214.0m USD
Long Term Debt = 6.69b USD (from longTermDebt, last quarter)
Short Term Debt = 4.25b USD (from shortLongTermDebt, last quarter)
Debt = 11.2b USD (from shortLongTermDebtTotal, last quarter) + Leases 249.0m
Net Debt = -5.78b USD (calculated: Debt 11.2b - CCE 17.0b)
Enterprise Value = 5.21b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.04 (Ebit TTM 84.0m / Interest Expense TTM 2.34b)
EV/FCF = 65.89x (Enterprise Value 5.21b / FCF TTM 79.0m)
FCF Yield = 1.52% (FCF TTM 79.0m / Enterprise Value 5.21b)
FCF Margin = 1.81% (FCF TTM 79.0m / Revenue TTM 4.37b)
Net Margin = 1.10% (Net Income TTM 48.0m / Revenue TTM 4.37b)
Gross Margin = 44.96% ((Revenue TTM 4.37b - Cost of Revenue TTM 2.40b) / Revenue TTM)
Gross Margin QoQ = 47.34% (prev 47.93%)
Tobins Q-Ratio = 0.06 (Enterprise Value 5.21b / Total Assets 87.7b)
Interest Expense / Debt = 20.95% (Interest Expense 2.34b / Debt 11.2b)
Taxrate = 42.86% (36.0m / 84.0m)
NOPAT = 48.0m (EBIT 84.0m * (1 - 42.86%))
Current Ratio = 0.56 (Total Current Assets 17.0b / Total Current Liabilities 30.3b)
Debt / Equity = 1.37 (Debt 11.2b / totalStockholderEquity, last quarter 8.14b)
Debt / EBITDA = -27.02 (Net Debt -5.78b / EBITDA 214.0m)
Debt / FCF = -73.20 (Net Debt -5.78b / FCF TTM 79.0m)
Total Stockholder Equity = 8.13b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.05% (Net Income 48.0m / Total Assets 87.7b)
RoE = 0.59% (Net Income TTM 48.0m / Total Stockholder Equity 8.13b)
RoCE = 0.57% (EBIT 84.0m / Capital Employed (Equity 8.13b + L.T.Debt 6.69b))
RoIC = 0.08% (NOPAT 48.0m / Invested Capital 57.2b)
WACC = 11.12% (E(5.21b)/V(16.4b) * Re(9.29%) + D(11.2b)/V(16.4b) * Rd(20.95%) * (1-Tc(0.43)))
Discount Rate = 9.29% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 94.88 | Cagr: 33.63%
[DCF] Terminal Value 66.37% ; FCFF base≈79.0m ; Y1≈79.3m ; Y5≈84.0m
[DCF] Fair Price = 16.07 (EV 888.4m - Net Debt -5.78b = Equity 6.67b / Shares 415.1m; r=11.12% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: -0.04 | # QB: 0
Revenue Correlation: -71.67 | Revenue CAGR: -11.34% | SUE: 0.36 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.10 | Chg30d=+2.71% | Revisions=+25% | Analysts=15
EPS current Year (2026-12-31): EPS=0.35 | Chg30d=-0.57% | Revisions=+25% | GrowthEPS=+194.4% | GrowthRev=+5.9%
EPS next Year (2027-12-31): EPS=1.35 | Chg30d=-2.05% | Revisions=-40% | GrowthEPS=+287.5% | GrowthRev=+27.4%
[Analyst] Revisions Ratio: +0% (up=2, down=2)