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FLGFlagstar Financial, Inc.
$11.69$4.9B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
FLG logo

Flagstar Financial, Inc.

FLG
NYSE · Regional Banks
$11.69
At close - Oct 1, 4:00 PM EDT - USD
Market Cap$4.87B
P/E-22.9x
52W High$15.44
Volume6.54M
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Credit Normalization Drives Turnaround Amid Thin Capital

Flagstar Financial has transitioned from deep losses to modest profitability, with net income of $34M in 2026Q2 versus -$327M in 2024Q1, driven by a 95% reduction in loan loss provisions to $18M. However, the bank's net interest margin remains trapped at 0.5% ...

GrowthContracting
ProfitabilityWeak
ValuationExpensive
TechnicalsWeak
Explore valuation models
MARKET ACTION

FLG price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

4/12 Beats

EPS beat 4 of last 12 quarters

02

Valuation risk

-284% Peers

P/E is 284% below peer median

03

Market leadership

RS 39 · Lag

Laggard (Underperforming 61% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Oct 24

Market performance

Price History →

Trailing total returns as of 10/2/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
FLG-6.61%
S&P 500 (^GSPC)+11.83%
1-Year Return
FLG+0.17%
S&P 500 (^GSPC)+14.29%
3-Year Return
FLG-62.31%
S&P 500 (^GSPC)+78.96%
5-Year Return
FLG-58.83%
S&P 500 (^GSPC)+70.83%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
-22.9x
Forward P/E
35.7x
EV/EBITDA
N/A
FCF YieldCash Flow
N/A

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
-22.9x
10.2x
0th· Low
EV/EBITDA
N/A
39.8x
N/A
Price/FCF
N/A
37.1x
N/A
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$9.10-22.2%
Base (Fair)$16.32+31.9%
Bull$24.65+110.9%
$9.10 Bear$16.32 Base$24.65 Bull
Current Market Price: $11.69
Trades at a 28.4% discount to Base DCF ($16.32)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$1.95B-24.5% YoY
Net income
-$177M+84.2% YoY
Free cash flow
-$601M-1302.0% YoY
Operating margin
-4.2%+17.4 pts YoY
ROIC (TTM)-0.7%
Avg ROIC 5Y-
ROE (TTM)-2.2%
Piotroski Score4 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate4/12 (33%)
Revenue Beat Rate3/12 (25%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 24, 2026
$0.05-21.8%
vs $0.06
$516M-4.3%
vs $539M
Q2 2026
Apr 24, 2026
$0.04+33.3%
vs $0.03
$498M-10.0%
vs $553M
Q1 2026
Jan 30, 2026
$0.06+200.0%
vs $0.02
$557M+4.6%
vs $533M
Q4 2025
Oct 24, 2025
-$0.11-83.3%
vs -$0.06
$519M+0.8%
vs $515M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Zacks Investment Research·Sep 17, 2026
Is the Options Market Predicting a Spike in Flagstar Bank Stock?

Investors need to pay close attention to FLG stock based on the movements in the options market lately.

Seeking Alpha·Sep 15, 2026
Flagstar Bank, National Association (FLG) Presents at Barclays 24th Annual Global Financial Services Conference Transcript

Flagstar Bank, National Association (FLG) Presents at Barclays 24th Annual Global Financial Services Conference Transcript

PRNewsWire·Sep 8, 2026
FLAGSTAR BANK, N.A. TO PARTICIPATE AT THE BARCLAYS 24TH ANNUAL GLOBAL FINANCIAL SERVICES CONFERENCE

NEW YORK, N.Y., Sept. 8, 2026 /PRNewswire/ -- Flagstar Bank, N.A.

GlobeNewsWire·Aug 17, 2026
Fiserv and Flagstar Bank Announce Strategic Core Banking Relationship

NEW YORK, Aug. 17, 2026 (GLOBE NEWSWIRE) -- Fiserv, Inc. (NASDAQ: FISV), a global leader in payments and financial technology, and Flagstar Bank, N.A. (NYSE:FLG), one of the nation's largest regional banks, today announced that Flagstar has selected Finxact from Fiserv, a modern, cloud-native core banking platform, as the cornerstone of the bank's core modernization strategy.

Filtered for Flagstar Financial, Inc.More Headlines
04

Compare before deciding

Benchmark FLG against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Flagstar Financial, Inc. (FLG)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
FLG logoFLGFlagstar Financial, Inc.Current
$11.69$4.87B-22.92-24.51%-3.77%-2.17%0.31%
WAL logoWALWestern Alliance Bancorporation
$75.70$8.27B8.6711.43%19.29%12.51%—
BANC logoBANCBanc of California, Inc.
$17.49$2.69B14.8212.72%-1.19%-0.62%—
COLB logoCOLBColumbia Banking System, Inc.
$28.73$8.13B12.4919.28%19.96%9.22%—
PFSI logoPFSIPennyMac Financial Services, Inc.
$61.95$3.22B6.66339.48%13.68%9.14%—
RKT logoRKTRocket Companies, Inc.
$11.97$33.8B-435.2722.99%4.8%2.4%—

Compare FLG vs Peers

Flagstar Financial, Inc. (FLG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs WAL

Most directly comparable listed peer for FLG.

Scale Benchmark

vs ICE

Larger-name benchmark to compare FLG against a more recognizable public peer.

Peer Set

Compare Top 5

vs WAL, BANC, COLB, PFSI

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

FLG SEC Filings & Documents

Flagstar Financial, Inc. (FLG) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jul 24, 2026·SEC

Material company update

Jun 11, 2026·SEC

Material company update

May 18, 2026·SEC

10-K Annual Reports

1
FY 2026

Feb 27, 2026·SEC

10-Q Quarterly Reports

5
FY 2026

Aug 6, 2026·SEC

FY 2026

May 7, 2026·SEC

FY 2025

Nov 6, 2025·SEC

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FLG Frequently Asked Questions

Flagstar Financial, Inc. (FLG) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Flagstar Financial, Inc. growing?

Flagstar Financial, Inc. (FLG) saw revenue decline by 24.5% over the past year.

Is FLG profitable?

Yes, Flagstar Financial, Inc. (FLG) is profitable, generating $48.0M in net income for fiscal year 2025 (-3.8% net margin).

Dividend & Returns
Does FLG pay dividends?

Yes, Flagstar Financial, Inc. (FLG) pays a dividend with a yield of 0.31%. This makes it attractive for income-focused investors.

What is FLG's return on equity?

Flagstar Financial, Inc. (FLG) has a return on equity (ROE) of -2.2%. Negative ROE indicates the company is unprofitable.

Industry Metrics
What is Flagstar Financial, Inc.'s net interest margin?

Flagstar Financial, Inc. (FLG) has a net interest margin (NIM) of 2.0%. NIM has been under pressure due to interest rate environment.

What is Flagstar Financial, Inc.'s efficiency ratio?

Flagstar Financial, Inc. (FLG) has an efficiency ratio of 41.8%. This is excellent, indicating strong cost control.

What if you invested $1,000 in FLG back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →