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Flagstar Bank, National Association FLG R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.flagstar.com
Company Profile ↓
$13.52
+13.20% 1Y
Mkt Cap$5.64B
P/E450.67
P/B0.76
Div. Yield0.28%
52W High$15.35
52W Low$10.69
Book Value$18.31
EPS (TTM)$0.03

Company Overview

Flagstar Bank, National Association provides banking products and services in the United States. The company's deposit products include interest-bearing checking and money market, savings, and non-interest-bearing accounts, as well as certificates of deposit. It offers loan products comprising multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial and industrial loans; one-to-four family loans; specialty finance loans and leases; warehouse loans; and home equity lines of credit, as well as other consumer loans, including overdraft loans. The company offers non-deposit investment and insurance products; and online and mobile banking services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as Flagstar Financial, Inc. Flagstar Bank, National Association was founded in 1859 and is headquartered in Hicksville, New York.

Why Investors Should Care

Healthy Margins

Operating margin of 20.3% supports profitability.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +15.3%.
  • 5-Year Trend Long-term compounding — revenue CAGR -36.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-36.09%
1 Year:15.30%

Stock Price Performance

1 Year:+13.20%
6 Months:+7.46%
3 Months:-3.49%
1 Month:-4.45%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 61% of range
$10.69 $15.35
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)43.35 · Neutral
Price Performance
1M-4.45%
3M-3.49%
6M+7.46%
1Y+13.20%
Valuation vs Sector

P/E of 450.67 is above the sector median of 14.52 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Trading at a high P/E of 450.7.
  • Revenue declined at -36.1% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
450.67
Industry PE
14.52
Forward P/E
9.78
PEG Ratio
0.78
Book Value
$18.31
Price to Book
0.76
P/S
2.86
EV/EBITDA
-
Dividend Yield
0.28%

Growth (CAGR)

Revenue 5Y
-36.09%
Profit 5Y
-
Revenue (YoY)
15.30%
Earnings (YoY)
-

Profitability & Returns

ROCE
-
ROE
0.59%
ROA
0.05%
Profit Margin
2.36%
Op Margin
20.28%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.06
EPS (TTM)
$0.03

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$10.94B
Total Assets
$87.71B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
0.95%
Chg in Prom Hold
0.00%
FII / Inst Holding
89.44%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$5.64B
Total Revenue (TTM)
$2.03B
EBITDA
-
Free Cash Flow
$530.51M
Operating Cash Flow
$-181.00M
Shares Outstanding
417.02M
Gross Margin
0.00%
Payout Ratio
133.33%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 FLG Flagstar Bank, National Association R2KR3KFINANCIAL 13.52 450.67 $5.64B 0.28% - 0.59% -36.09% -
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Revenue -------------7.33M7.49M7.24M7.23M7.49M7.58M7.02M4.00M5.00M5.00M6.00M6.00M6.00M6.00M5.00M------------
Net Income 114.20M115.25M118.69M120.26M119.26M123.70M114.69M129.91M126.46M125.30M103.96M115.25M110.47M106.55M107.35M106.77M97.58M97.25M99.05M100.33M105.00M116.00M145.00M152.00M149.00M155.00M171.00M152.00M172.00M2.01B413.00M207.00M-327.00M-323.00M-280.00M-100.00M-70.00M-36.00M21.00M34.00M
Diluted EPS 0.260.260.270.270.270.280.260.270.260.260.210.220.210.200.200.200.190.190.190.200.210.230.290.300.300.310.340.300.302.871.660.81-0.45-1.14-0.79-0.26-0.19-0.110.030.06

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ---1.52B1.44B1.46B---32.66M31.76M29.77M29.00M22.00M23.00M27.00M---
Net Income 279.08M77.88M398.65M541.02M480.04M501.11M475.55M485.40M-47.16M495.40M466.20M422.42M395.00M511.00M596.00M650.00M-79.00M-1.12B-177.00M
Diluted EPS 0.900.231.131.241.091.131.081.09-0.111.010.900.790.771.021.203.77-0.49-3.49-0.50

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2006Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --32.47B42.15B41.19B42.02B44.15B46.69B48.56B50.32B48.93B49.12B51.90B53.64B56.31B59.53B90.14B114.06B100.16B87.51B
Total Equity -4.18B4.22B5.37B5.53B5.57B5.66B5.74B5.78B5.93B6.12B6.80B6.66B6.71B6.84B7.04B8.82B8.37B8.17B8.14B
Cash & Equivalents 230.76M335.74M203.22M2.67B1.93B2.00B2.43B644.55M564.15M537.67M557.85M2.53B1.48B742.00M1.95B2.21B2.03B11.47B15.43B-
Long Term Debt ----------------21.33B21.27B11.68B8.18B
Total Liabilities --28.25B36.79B35.66B36.46B38.49B40.95B42.78B44.38B42.80B42.33B45.24B46.93B49.46B52.48B81.32B105.69B91.99B79.37B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 296.22M244.75M215.43M-69.68M830.21M576.02M1.38B--755.65M1.33B540.36M510.00M334.00M290.00M1.03B263.00M86.00M-181.00M
Investing Cash Flow 2.02B-2.12B3.75B1.30B-1.21B-1.73B-5.17B--1.22B1.06B-4.02B-2.06B-1.02B-2.76B-6.32B20.67B15.45B2.69B
Financing Cash Flow -2.21B1.74B-1.50B-1.97B454.96M1.58B2.01B---1.95B-418.13M2.43B816.00M1.90B2.73B5.17B-11.41B-11.59B-12.09B
Capital Expenditure -8.80M-22.59M-7.38M-48.64M-40.75M-38.76M-37.24M-73.50M-34.80M-84.18M-27.78M-9.85M-------
Free Cash Flow 287.42M222.16M208.04M-118.32M789.46M537.25M1.34B--671.47M1.30B530.51M-------
Share Buybacks 168.00K2.21M1.31M4.05M3.70M3.52M5.32M7.28M7.02M8.68M18.46M160.77M67.00M50.00M07.00M00-

Ratios (Annual)

Figures in %.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -------------------
Operating Margin % -------------------
Net Margin % ---35.6%33.4%34.4%---1,516.6%1,467.9%1,419.2%1,362.1%2,322.7%2,591.3%2,407.4%---
ROE % 6.7%1.8%7.4%9.8%8.6%8.9%8.3%8.4%-0.8%8.1%6.9%6.3%5.9%7.5%8.5%7.4%-0.9%-13.7%-2.2%
ROCE % -------------------

Shareholding Pattern

Insiders
0.95%
Institutions
89.44%
Public Float
90.29%

Top Institutional Holders

#Holder% HeldSharesValue
1 Liberty 77 Capital L.P. 18.07% 75.00M $1.01B
2 Blackrock Inc. 10.37% 43.03M $578.75M
3 Reverence Capital Partners, LP 8.67% 35.98M $483.95M
4 State Street Corporation 4.08% 16.93M $227.75M
5 Vanguard Portfolio Management LLC 3.27% 13.56M $182.39M
6 T. Rowe Price Investment Management, Inc. 3.17% 13.17M $177.12M
7 Vanguard Capital Management LLC 3.03% 12.56M $168.89M
8 Hudson Bay Capital Management Lp 2.35% 9.73M $130.93M
9 Goldman Sachs Group Inc 2.08% 8.65M $116.29M
10 Alliancebernstein L.P. 2.06% 8.56M $115.12M

Analyst View

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Latest News

Recent headlines for FLG

Google News Mon, 07 Sep 2026

Flagstar Bank, N.A. Bifurcated Option Note - TradingView

<a href="https://news.google.com/rss/articles/CBMiY0FVX3lxTE1sZFY4ZFhjbmZXUUU2elBZMnc1dnVZQ0N2ZWIwNW5JczFWZVlEaDM2WlJIQkhsSTZVRXpSNWdmRkVCamQ4NnhYMExrWk5PeHhKZXg1bDRObUNHa0N6MC1Pc3ZmMA?oc=5" target="_blank">Flagstar Bank, N.A. Bifurcated Op…

Google News ue, 18 Aug 2026

Flagstar Bank: Still Avoiding Common And Preferred Shares (NYSE:FLG) - Seeking Alpha

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Google News Wed, 19 Aug 2026

Winners And Losers Of Q2: Flagstar Financial (NYSE:FLG) Vs The Rest Of The Thrifts & Mortgage Finance Stocks - Yahoo Finance

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Google News Mon, 07 Sep 2026

Price-Driven Insight from (FLG) for Rule-Based Strategy - Stock Traders Daily

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Google News hu, 03 Sep 2026

Flagstar Bank National Association (FLG) Could Be 18% Undervalued On Lending Growth Plans - simplywall.st

<a href="https://news.google.com/rss/articles/CBMi4AFBVV95cUxQcnFxd0ZNZVlCb3A4dVVRQ3EzRXlUMHFIZzFfM2ZSRXVGS05KQ2JQTEg0cFB6LVlyZzBCT3BSMUFkVlVVMkMzYVpYTmFOcllyLUQ2a3pDX19BLWt0bThOQ09NZHhNYWJIcWpvNjEtWjB6d2FpdF96aFlTZ28ySU1aZ1pJZlJMaXE3ZGJkel…

Google News Fri, 24 Jul 2026

Flagstar Financial (NYSE:FLG) Misses Q2 CY2026 Sales Expectations - StockStory

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FLG — Frequently Asked Questions

What is the current share price of Flagstar Bank, National Association (FLG)?

As of 2026-09-07 16:24 PDT, Flagstar Bank, National Association (FLG) trades at $13.52 on NYSE. Its 52-week range is $10.69 to $15.35.

What is the market capitalisation of FLG?

Flagstar Bank, National Association (FLG) has a market capitalisation of $5.64B on NYSE.

What is the P/E ratio of FLG?

FLG trades at a trailing price-to-earnings (P/E) ratio of 450.67. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 0.76.

Does FLG pay a dividend?

Flagstar Bank, National Association (FLG) currently offers a dividend yield of 0.28%.

What is the return on equity (ROE) of FLG?

FLG has a return on equity (ROE) of 0.59%.

Is FLG a good stock to buy?

This page provides a data-driven analysis of Flagstar Bank, National Association (FLG), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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