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Flagstar Bank, National Association FLG R2K

Financial Services · Banks - Regional · United States
https://www.flagstar.com

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.

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$14.06
+22.44% 1Y

Market & Price

Market Cap
$5.86B
Current Price
$14.06
High / Low (52W)
$14.81 / $10.58
Beta
1.03

Valuation

Stock P/E
-
Industry PE
12.01
Forward P/E
9.04
PEG Ratio
0.78
Book Value
$18.28
Price to Book
0.77
P/S
2.98
EV/EBITDA
-
Dividend Yield
0.28%

Profitability & Returns

ROCE
-
ROE
-0.69%
ROA
-0.06%
Profit Margin
-2.85%
Op Margin
17.47%
EPS (Latest Qtr)
$0.03
EPS (TTM)
$-0.21

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$11.62B
Total Assets
$87.51B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
0.94%
Chg in Prom Hold
-
FII / Inst Holding
95.34%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$10.96B
Total Revenue (TTM)
$1.96B
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$291.00M
Shares Outstanding
416.82M
Gross Margin
0.00%
Payout Ratio
20.99%

Growth (CAGR)

Revenue 5Y
11.64%
Profit 5Y
-42.41%
Revenue (YoY)
21.20%
Earnings (YoY)
-

PROS

  • Compounding revenue at 11.6% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Earnings shrank at -42.4% CAGR over 5 years.

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

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

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 R2K 14.06 - $5.86B 0.28% - -0.69% 11.64% -42.41%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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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 2025Dec 2025Mar 2026
Revenue -------------7.33M7.49M7.24M7.23M7.49M7.58M7.02M4.00M5.00M5.00M6.00M6.00M6.00M6.00M5.00M-------490.00M496.00M519.00M557.00M498.00M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------754.00M724.00M676.00M591.00M541.00M
Pretax Income ------------------------------------121.00M-81.00M-41.00M45.00M32.00M
Tax Provision ------------------------------------21.00M-11.00M-5.00M16.00M11.00M
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--100.00M-70.00M-36.00M29.00M21.00M
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--0.26-0.19-0.110.050.03

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 ---------32.66M31.76M29.77M29.00M22.00M-1.48B3.63B2.58B2.06B
Cost of Revenue -------------------
Gross Profit -------------------
Operating Expenses -------------------
Operating Income -------------------
EBITDA -------------------
Interest Expense ---------------696.00M2.41B3.80B2.75B
Pretax Income ---------------826.00M-50.00M-1.38B-198.00M
Tax Provision ---------------176.00M29.00M-260.00M-21.00M
Net Income 279.08M77.88M398.65M541.02M480.04M501.11M475.55M485.40M-47.16M495.40M466.20M422.42M395.00M511.00M-650.00M-79.00M-1.12B-177.00M
Diluted EPS 0.900.231.131.241.091.131.081.09-0.111.010.900.790.771.02-3.789.72-3.40-0.50

Compounded Sales Growth

5 Years:11.64%
1 Year:21.20%

Compounded Profit Growth

5 Years:-42.41%
1 Year:-

Stock Price Performance

1 Year:+22.44%
6 Months:+16.09%
3 Months:+10.88%
1 Month:+1.81%

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 --32.47B42.15B41.19B42.02B44.15B46.69B48.56B50.32B48.93B49.12B51.90B53.64B56.31B-90.14B114.06B100.16B87.51B
Current Assets --------------------
Cash & Equivalents 230.76M335.74M203.22M2.67B1.93B2.00B2.43B644.55M564.15M537.67M557.85M2.53B1.48B742.00M1.95B-2.03B11.47B15.43B5.89B
Inventory --------------------
Receivables ---------------214.00M--312.00M300.00M
Total Liabilities --28.25B36.79B35.66B36.46B38.49B40.95B42.78B44.38B42.80B42.33B45.24B46.93B49.46B-81.32B105.69B91.99B79.37B
Current Liabilities --------------------
Long Term Debt ----------------21.33B21.27B11.68B8.18B
Total Debt ----------------21.33B21.27B14.43B12.18B
Total Equity -4.18B4.22B5.37B5.53B5.57B5.66B5.74B5.78B5.93B6.12B6.80B6.66B6.71B6.84B-8.82B8.37B8.17B8.14B
Shares Outstanding ----------------235.14M248.05M422.42M422.93M

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--755.65M1.33B540.36M510.00M334.00M-1.03B263.00M86.00M-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--6.32B20.67B15.45B2.69B
Financing Cash Flow -2.21B1.74B-1.50B-1.97B454.96M1.58B2.01B---1.95B-418.13M2.43B816.00M1.90B-5.17B-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----3.00M-66.00M-36.00M-67.00M
Free Cash Flow 287.42M222.16M208.04M-118.32M789.46M537.25M1.34B--671.47M1.30B530.51M---1.02B197.00M50.00M-248.00M
Net Change in Cash ----------------129.00M9.53B3.95B-9.58B
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 % ---------1,516.6%1,467.9%1,419.2%1,362.1%2,322.7%-43.9%-2.2%-43.3%-8.6%
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%-7.4%-0.9%-13.7%-2.2%
ROCE % -------------------

Shareholding Pattern

Insiders
0.94%
Institutions
95.34%
Public Float
96.24%

Top Institutional Holders

#Holder% HeldSharesValue
1 Liberty 77 Capital L.P. 17.99% 75.00M $1.05B
2 Blackrock Inc. 9.86% 41.10M $577.88M
3 Reverence Capital Partners, LP 8.63% 35.98M $505.89M
4 Hudson Bay Capital Management Lp 8.32% 34.69M $487.73M
5 State Street Corporation 3.99% 16.61M $233.54M
6 Vanguard Portfolio Management LLC 3.75% 15.64M $219.97M
7 Vanguard Capital Management LLC 3.49% 14.53M $204.36M
8 T. Rowe Price Investment Management, Inc. 3.03% 12.64M $177.68M
9 Geode Capital Management, LLC 1.86% 7.75M $108.93M
10 Alliancebernstein L.P. 1.79% 7.47M $105.08M

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