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Flagstar Bank, National Association FLG R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.flagstar.com
Company Profile ↓
$10.38
-13.09% 1Y
Mkt Cap$4.31B
P/E346.00
P/B0.62
Div. Yield0.35%
52W High$15.35
52W Low$10.38
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:-13.09%
6 Months:-25.91%
3 Months:-24.51%
1 Month:-16.22%

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

Technical Snapshot Bearish
52-Week Range 0% of range
$10.38 $15.35
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)25.32 · Oversold
Price Performance
1M-16.22%
3M-24.51%
6M-25.91%
1Y-13.09%
Valuation vs Sector

P/E of 346.00 is above the sector median of 13.55 — 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.

CONS

  • Trading at a high P/E of 346.0.
  • Revenue declined at -36.1% CAGR over 5 years.
  • Trading 32.4% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

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

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Valuation

Stock P/E
346.00
Industry PE
13.55
Forward P/E
7.67
PEG Ratio
0.78
Book Value
$18.31
Price to Book
0.62
P/S
2.31
EV/EBITDA
-
Dividend Yield
0.35%

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
$11.38B
Total Assets
$87.71B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
0.95%
Chg in Prom Hold
0.00%
FII / Inst Holding
89.42%
Chg in FII Hold
0.02%

Financial Snapshot

Enterprise Value
$4.31B
Total Revenue (TTM)
$2.03B
EBITDA
-
Free Cash Flow
$530.51M
Operating Cash Flow
$162.00M
Shares Outstanding
415.09M
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 10.38 346.00 $4.31B 0.35% - 0.59% -36.09% -
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 331.58 14.21 $881.40B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 542.19 13.64 $763.42B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 407.92 34.69 $695.14B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 623.60 34.34 $542.20B 0.62% 60.19% - 12.29% 19.21%
6 BRK-A Berkshire Hathaway Inc. FINANCIAL 813,595.00 13.64 $397.40B 0.00% - 12.12% 7.60% 10.02%
7 BAC Bank of America Corporation SPXR3KFINANCIAL 50.56 11.68 $353.55B 2.39% - 11.20% 3.14% 4.27%
8 HSBC HSBC Holdings plc FINANCIAL 90.68 12.95 $310.38B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 179.49 14.51 $281.90B 2.26% - 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
89.42%
Public Float
90.28%

Top Institutional Holders

#Holder% HeldSharesValue
1 Liberty 77 Capital L.P. 18.07% 75.00M $849.00M
2 Blackrock Inc. 10.37% 43.03M $487.09M
3 Reverence Capital Partners, LP 8.67% 35.98M $407.31M
4 State Street Corporation 4.08% 16.93M $191.69M
5 Vanguard Portfolio Management LLC 3.27% 13.56M $153.51M
6 T. Rowe Price Investment Management, Inc. 3.17% 13.17M $149.07M
7 Vanguard Capital Management LLC 3.03% 12.56M $142.14M
8 Hudson Bay Capital Management Lp 2.35% 9.73M $110.19M
9 Goldman Sachs Group Inc 2.08% 8.65M $97.87M
10 Alliancebernstein L.P. 2.06% 8.56M $96.89M

Analyst View

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Latest News

Recent headlines for FLG

Google News Fri, 23 Oct 2026

Flagstar Financial (FLG) stock trades down, here is why - TradingView

<a href="https://news.google.com/rss/articles/CBMiswFBVV95cUxOX1I5Yl83N2dlcm0yWWE0OVFCclAya0pJWFpiTldpamlrVnZndHBReWxiNzFtVUwxcFpIVjNOaDA1Q0NiSU0ybFFPZzNUOGFHYnRaREVqZHpOREM2aG43VHhCVFFCZkM0VU1YVXV5REUzMTRpUFhVRHdkejZ4VTFQUkFNd25GeEJHWHNRLU…

Google News Fri, 23 Oct 2026

Flagstar Financial (NYSE:FLG) misses Q3 2026 revenue estimates - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMioAFBVV95cUxPWEt3TkhNRUNYSlczeW85bE90V0QyRHVGTVEtR1NVNm9MZXBsclVJcnhtX3l0UzRHTG9sc2pVZzFrdFd3SnpwbExTNTk0VEUwR3Y4VTNGWlAwb000OU5ldG9WbHVDTm9qOEQ0NVZsNXNURUhiNm14RnRWZ3gySzlTVFNSQlllaVhiSTZFXz…

Google News Fri, 23 Oct 2026

Flagstar Bank stock drops as Q3 provisions, net interest income hit earnings (FLG:NYSE) - Seeking Alpha

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Google News Fri, 23 Oct 2026

FLG Stock Slides As BofA Slashes Earnings Outlook - Timothy Sykes

<a href="https://news.google.com/rss/articles/CBMidkFVX3lxTE5mREFVa0FSZlJQeEJJWW1zT0s0SE5fd0YyMTBlYWhpNEhSeGdDYXJFZWc0VE9UaG5wakNoeUNvVUZTSVdoVzVSRURwWFd4OWUyLVY4UTVPQkN5eWNlanVaVVVaMTdPYXhRYlQ4SGNuSEhOZXU3X3c?oc=5" target="_blank">FLG Stoc…

Google News Fri, 23 Oct 2026

Flagstar Bank (FLG) Shares Fall 3.85% Pre-Market After Q3 Earnin - GuruFocus

<a href="https://news.google.com/rss/articles/CBMiqAFBVV95cUxQelY1bGVxRkdSYlFncUNFeHFaNndrb2dxOTFaY1pMV0dKdm9VX0J3amlPVXdYYUpPWC15bHl6bzdrc3hlc2NNMnIyak5oV1RERGJIODc5ZVJPbEhFVWYtOTFzSDFXTDhhSlBLZTVlVVAwMEVBbWRFQXdPWkZtOGo3VmxGSlI5Z2dJdEVwWH…

Google News Fri, 23 Oct 2026

Earnings Flash (FLG) Flagstar Bank, N.A. Posts Q3 EPS $0.01 per Share, vs. FactSet Est of $0.07 - marketscreener.com

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FLG — Frequently Asked Questions

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

As of 2026-10-23 16:27 PDT, Flagstar Bank, National Association (FLG) trades at $10.38 on NYSE. Its 52-week range is $10.38 to $15.35.

What is the market capitalisation of FLG?

Flagstar Bank, National Association (FLG) has a market capitalisation of $4.31B on NYSE.

What is the P/E ratio of FLG?

FLG trades at a trailing price-to-earnings (P/E) ratio of 346.00. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 0.62.

Does FLG pay a dividend?

Flagstar Bank, National Association (FLG) currently offers a dividend yield of 0.35%.

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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