FLG Stock Analysis: Flagstar Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 6.227m USD | 12M Return: 33.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 86.6M
Qual. Beats: 0
Rev. Trend: -14.6%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
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 08, 2026, the stock is trading at USD 14.75 with a total of 3,526,077 shares traded. Over the past week, the price has changed by -1.40%, over one month by +4.68%, over three months by +8.14% and over the past year by +33.53%.
Current recommended Stop Loss: 14.00 (which is 5.1% or 2 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 | 8.3% |
P/E Forward = 22.9885
P/S = 3.1691
P/B = 0.8175
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 = 17.3b USD (6.23b + Debt 11.4b - CCE 401.0m)
Interest Coverage Ratio = -0.02 (Ebit TTM -45.0m / Interest Expense TTM 2.53b)
EV/FCF = 81.42x (Enterprise Value 17.3b / FCF TTM 212.0m)
FCF Yield = 1.23% (FCF TTM 212.0m / Enterprise Value 17.3b)
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 17.3b / 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 = 12.88% (E(6.23b)/V(17.7b) * Re(9.85%) + D(11.4b)/V(17.7b) * Rd(22.14%) * (1-Tc(0.34)))
Discount Rate = 9.85% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 94.39 | Cagr: 34.17%
[DCF] Terminal Value 61.29% ; FCFF base≈212.0m ; Y1≈212.9m ; Y5≈225.5m
[DCF] Fair Price = N/A (negative equity: EV 1.98b - Net Debt 11.0b = -9.05b; 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=-6.60% | Revisions=-25% | Analysts=14
EPS next Quarter (2026-09-30): EPS=0.14 | Chg30d=+1.06% | Revisions=-25% | Analysts=13
EPS current Year (2026-12-31): EPS=0.48 | Chg30d=-1.01% | Revisions=+0% | GrowthEPS=+230.0% | GrowthRev=+9.9%
EPS next Year (2027-12-31): EPS=1.55 | Chg30d=-0.17% | Revisions=-75% | GrowthEPS=+222.9% | GrowthRev=+26.8%
[Analyst] Revisions Ratio: -69% (up=1, down=12)