Flagstar Bank, National Association FLG R2K
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
Operating margin of 17.5% supports profitability.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +21.2%.
- 5-Year Trend Long-term compounding — revenue CAGR -36.1%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | -36.09% |
| 1 Year: | 21.20% |
Stock Price Performance
| 1 Year: | +30.60% |
| 6 Months: | +14.89% |
| 3 Months: | +6.40% |
| 1 Month: | +2.89% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)55.34 · Neutral
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
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
- Revenue declined at -36.1% CAGR over 5 years.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | FLG Flagstar Bank, National Association R2K | 14.96 | -71.24 | $6.24B | 0.27% | - | -0.69% | -36.09% | - |
| 2 | JPM JPMorgan Chase & Co. SPX | 342.89 | 16.42 | $918.78B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 491.09 | 14.61 | $686.70B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 356.02 | 31.01 | $590.89B | 0.83% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 538.02 | 31.10 | $471.86B | 0.71% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 60.62 | 15.04 | $430.20B | 2.00% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 227.67 | 20.62 | $359.10B | 1.87% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,140.00 | 20.83 | $336.31B | 1.69% | - | 14.55% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 85.29 | 13.18 | $261.00B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Jun 2013 | Sep 2013 | Mar 2014 | Jun 2014 | Sep 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 7.33M | 7.49M | 7.24M | 7.23M | 7.49M | 7.58M | 7.02M | 4.00M | 5.00M | 5.00M | 6.00M | 6.00M | 6.00M | 6.00M | 5.00M | - | - | - | - | - | - | - | - | - | - | - |
| Net Income | 122.52M | 114.20M | 115.25M | 118.69M | 120.26M | 119.26M | 123.70M | 114.69M | 129.91M | 126.46M | 125.30M | 103.96M | 115.25M | 110.47M | 106.55M | 107.35M | 106.77M | 97.58M | 97.25M | 99.05M | 100.33M | 105.00M | 116.00M | 145.00M | 152.00M | 149.00M | 155.00M | 171.00M | 152.00M | 172.00M | 2.01B | 413.00M | 207.00M | -327.00M | -323.00M | -280.00M | -100.00M | -70.00M | -36.00M | 21.00M |
| Diluted EPS | 0.28 | 0.26 | 0.26 | 0.27 | 0.27 | 0.27 | 0.28 | 0.26 | 0.27 | 0.26 | 0.26 | 0.21 | 0.22 | 0.21 | 0.20 | 0.20 | 0.20 | 0.19 | 0.19 | 0.19 | 0.20 | 0.21 | 0.23 | 0.29 | 0.30 | 0.30 | 0.31 | 0.34 | 0.30 | 0.30 | 2.87 | 1.66 | 0.81 | -0.45 | -1.14 | -0.79 | -0.26 | -0.19 | -0.11 | 0.03 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2007 | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | 1.52B | 1.44B | 1.46B | - | - | - | 32.66M | 31.76M | 29.77M | 29.00M | 22.00M | 23.00M | 27.00M | - | - | - |
| Net Income | 279.08M | 77.88M | 398.65M | 541.02M | 480.04M | 501.11M | 475.55M | 485.40M | -47.16M | 495.40M | 466.20M | 422.42M | 395.00M | 511.00M | 596.00M | 650.00M | -79.00M | -1.12B | -177.00M |
| Diluted EPS | 0.90 | 0.23 | 1.13 | 1.24 | 1.09 | 1.13 | 1.08 | 1.09 | -0.11 | 1.01 | 0.90 | 0.79 | 0.77 | 1.02 | 1.20 | 3.77 | -0.49 | -3.49 | -0.50 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2006 | Dec 2007 | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 32.47B | 42.15B | 41.19B | 42.02B | 44.15B | 46.69B | 48.56B | 50.32B | 48.93B | 49.12B | 51.90B | 53.64B | 56.31B | 59.53B | 90.14B | 114.06B | 100.16B | 87.51B |
| Total Equity | - | 4.18B | 4.22B | 5.37B | 5.53B | 5.57B | 5.66B | 5.74B | 5.78B | 5.93B | 6.12B | 6.80B | 6.66B | 6.71B | 6.84B | 7.04B | 8.82B | 8.37B | 8.17B | 8.14B |
| Cash & Equivalents | 230.76M | 335.74M | 203.22M | 2.67B | 1.93B | 2.00B | 2.43B | 644.55M | 564.15M | 537.67M | 557.85M | 2.53B | 1.48B | 742.00M | 1.95B | 2.21B | 2.03B | 11.47B | 15.43B | - |
| Long Term Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 21.33B | 21.27B | 11.68B | 8.18B |
| Total Liabilities | - | - | 28.25B | 36.79B | 35.66B | 36.46B | 38.49B | 40.95B | 42.78B | 44.38B | 42.80B | 42.33B | 45.24B | 46.93B | 49.46B | 52.48B | 81.32B | 105.69B | 91.99B | 79.37B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2007 | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 296.22M | 244.75M | 215.43M | -69.68M | 830.21M | 576.02M | 1.38B | - | - | 755.65M | 1.33B | 540.36M | 510.00M | 334.00M | 290.00M | 1.03B | 263.00M | 86.00M | -181.00M |
| Investing Cash Flow | 2.02B | -2.12B | 3.75B | 1.30B | -1.21B | -1.73B | -5.17B | - | - | 1.22B | 1.06B | -4.02B | -2.06B | -1.02B | -2.76B | -6.32B | 20.67B | 15.45B | 2.69B |
| Financing Cash Flow | -2.21B | 1.74B | -1.50B | -1.97B | 454.96M | 1.58B | 2.01B | - | - | -1.95B | -418.13M | 2.43B | 816.00M | 1.90B | 2.73B | 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 | - | - | - | - | - | - | - |
| Free Cash Flow | 287.42M | 222.16M | 208.04M | -118.32M | 789.46M | 537.25M | 1.34B | - | - | 671.47M | 1.30B | 530.51M | - | - | - | - | - | - | - |
| Share Buybacks | 168.00K | 2.21M | 1.31M | 4.05M | 3.70M | 3.52M | 5.32M | 7.28M | 7.02M | 8.68M | 18.46M | 160.77M | 67.00M | 50.00M | 0 | 7.00M | 0 | 0 | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2007 | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 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
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Liberty 77 Capital L.P. | 17.99% | 75.00M | $1.12B |
| 2 | Blackrock Inc. | 9.86% | 41.10M | $611.59M |
| 3 | Reverence Capital Partners, LP | 8.63% | 35.98M | $535.40M |
| 4 | Hudson Bay Capital Management Lp | 8.32% | 34.69M | $516.18M |
| 5 | State Street Corporation | 3.99% | 16.61M | $247.16M |
| 6 | Vanguard Portfolio Management LLC | 3.75% | 15.64M | $232.79M |
| 7 | Vanguard Capital Management LLC | 3.49% | 14.53M | $216.28M |
| 8 | T. Rowe Price Investment Management, Inc. | 3.03% | 12.64M | $188.05M |
| 9 | Geode Capital Management, LLC | 1.86% | 7.75M | $115.28M |
| 10 | Alliancebernstein L.P. | 1.79% | 7.47M | $111.21M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
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FLG — Frequently Asked Questions
What is the current share price of Flagstar Bank, National Association (FLG)?
As of 2026-07-14 21:23 PDT, Flagstar Bank, National Association (FLG) trades at $14.96 on NYSE. Its 52-week range is $10.70 to $15.28.
What is the market capitalisation of FLG?
Flagstar Bank, National Association (FLG) has a market capitalisation of $6.24B on NYSE.
What is the P/E ratio of FLG?
FLG trades at a trailing price-to-earnings (P/E) ratio of -71.24. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 0.82.
Does FLG pay a dividend?
Flagstar Bank, National Association (FLG) currently offers a dividend yield of 0.27%.
What is the return on equity (ROE) of FLG?
FLG has a return on equity (ROE) of -0.69%.
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.