FLG Stock Analysis: Flagstar Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 6.131m USD | 12M Return: 21.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 64.4M
Qual. Beats: 0
Rev. Trend: -14.6%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 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: -56.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA 0.47 > 1.0 |
| NWC/Revenue: -659.3% < 20% (prev -833.8%; Δ 174.5% < -1%) |
| CFO/TA 0.00 > 3% & CFO 287.0m > Net Income -56.0m |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (466.6m) vs 12m ago 12.47% < -2% |
| Gross Margin: 41.84% > 18% (prev 24.46%; Δ 17.38% > 0.5%) |
| Asset Turnover: 4.91% > 50% (prev 6.13%; Δ -1.22% > 0%) |
| Interest Coverage Ratio: -0.02 > 6 (EBIT TTM -45.0m / Interest Expense TTM 2.53b) |
| A: -0.34 (Total Current Assets 401.0m - Total Current Liabilities 30.3b) / Total Assets 87.1b |
| B: -0.01 (Retained Earnings -980.0m / Total Assets 87.1b) |
| C: -0.00 (EBIT TTM -45.0m / Avg Total Assets 92.4b) |
| D: 0.10 (Book Value of Equity 8.12b / Total Liabilities 79.0b) |
| Altman-Z'' = -2.18 = D |
As of July 28, 2026, the stock is trading at USD 13.76 with a total of 5,390,744 shares traded. Over the past week, the price has changed by -7.28%, over one month by -8.02%, over three months by -1.64% and over the past year by +21.50%.
Current recommended Stop Loss: 13.20 (which is 4.1% 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 | 16.5 | 20.1% |
P/E Forward = 27.027
P/S = 3.1203
P/B = 0.8143
P/EG = 0.4721
Revenue TTM = 4.53b USD
EBIT TTM = -45.0m USD
EBITDA TTM = 99.0m USD
Long Term Debt = 7.68b USD (from longTermDebt, last quarter)
Short Term Debt = 3.50b USD (from shortLongTermDebt, last quarter)
Debt = 11.4b USD (from shortLongTermDebtTotal, last quarter) + Leases 249.0m
Net Debt = 11.0b USD (calculated: Debt 11.4b - CCE 401.0m)
Enterprise Value = 17.2b USD (6.13b + Debt 11.4b - CCE 401.0m)
Interest Coverage Ratio = -0.02 (Ebit TTM -45.0m / Interest Expense TTM 2.53b)
EV/FCF = 80.97x (Enterprise Value 17.2b / FCF TTM 212.0m)
FCF Yield = 1.24% (FCF TTM 212.0m / Enterprise Value 17.2b)
FCF Margin = 4.68% (FCF TTM 212.0m / Revenue TTM 4.53b)
Net Margin = -1.24% (Net Income TTM -56.0m / Revenue TTM 4.53b)
Gross Margin = 41.84% ((Revenue TTM 4.53b - Cost of Revenue TTM 2.64b) / Revenue TTM)
Gross Margin QoQ = 47.93% (prev 46.68%)
Tobins Q-Ratio = 0.20 (Enterprise Value 17.2b / Total Assets 87.1b)
Interest Expense / Debt = 22.14% (Interest Expense 2.53b / Debt 11.4b)
Taxrate = 34.38% (11.0m / 32.0m)
NOPAT = -29.5m (EBIT -45.0m * (1 - 34.38%)) [loss with tax shield]
Current Ratio = 0.01 (Total Current Assets 401.0m / Total Current Liabilities 30.3b)
Debt / Equity = 1.41 (Debt 11.4b / totalStockholderEquity, last quarter 8.12b)
Debt / EBITDA = 111.5 (Net Debt 11.0b / EBITDA 99.0m)
Debt / FCF = 52.05 (Net Debt 11.0b / FCF TTM 212.0m)
Total Stockholder Equity = 8.12b (last 4 quarters mean from totalStockholderEquity)
RoA = -0.06% (Net Income -56.0m / Total Assets 87.1b)
RoE = -0.69% (Net Income TTM -56.0m / Total Stockholder Equity 8.12b)
RoCE = -0.28% (EBIT -45.0m / Capital Employed (Equity 8.12b + L.T.Debt 7.68b))
RoIC = -0.05% (negative operating profit) (NOPAT -29.5m / Invested Capital 56.6b)
WACC = 12.99% (E(6.13b)/V(17.6b) * Re(10.11%) + D(11.4b)/V(17.6b) * Rd(22.14%) * (1-Tc(0.34)))
Discount Rate = 10.11% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 96.33 | Cagr: 34.17%
[DCF] Terminal Value 61.00% ; FCFF base≈212.0m ; Y1≈212.9m ; Y5≈225.5m
[DCF] Fair Price = N/A (negative equity: EV 1.96b - Net Debt 11.0b = -9.07b; debt exceeds intrinsic value)
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.0 | # QB: 0
Revenue Correlation: -14.64 | Revenue CAGR: -2.63% | SUE: 0.33 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.07 | Chg30d=-5.17% | Revisions=-50% | Analysts=15
EPS next Quarter (2026-09-30): EPS=0.13 | Chg30d=-8.96% | Revisions=-57% | Analysts=16
EPS current Year (2026-12-31): EPS=0.44 | Chg30d=-8.52% | Revisions=-67% | GrowthEPS=+219.3% | GrowthRev=+9.5%
EPS next Year (2027-12-31): EPS=1.51 | Chg30d=-2.79% | Revisions=-57% | GrowthEPS=+242.8% | GrowthRev=+26.7%
[Analyst] Revisions Ratio: -85% (up=0, down=17)