Claim 50% Off TipRanks Premium
- Unlock hedge fund-level data and powerful investing tools for smarter, sharper decisions
- Stay ahead of the market with the latest news and analysis and maximize your portfolio's potential
Flagstar Financial ( (FLG) ) has provided an update.
On January 30, 2026, Flagstar Bank reported that for the fourth quarter of 2025 it had returned to profitability, supported by a nearly 900-basis-point improvement in adjusted operating leverage, a rise in adjusted pre-provision net revenue to $65 million, net interest margin expansion, and strict cost controls that reduced operating expenses by about $700 million, or 26%, through operational efficiencies. Over the course of 2025, management executed on its transformation strategy by growing C&I loans by $343 million, strengthening primary bank relationships and regional and focus-industry positions, and expanding offerings in middle-market, corporate, and specialized verticals, while proactively de-risking its CRE book—cutting its CRE concentration ratio to 381%, driving sizable payoffs and reductions in multi-family and broader CRE exposures, and improving credit quality metrics including lower net charge-offs, reduced nonaccrual loans, and a significant decline in criticized and classified loans, signaling a normalized credit environment and a more resilient earnings profile going forward.
The most recent analyst rating on (FLG) stock is a Hold with a $13.50 price target. To see the full list of analyst forecasts on Flagstar Financial stock, see the FLG Stock Forecast page.
Spark’s Take on FLG Stock
According to Spark, TipRanks’ AI Analyst, FLG is a Neutral.
Flagstar Financial’s overall score is primarily impacted by its weak financial performance, which is a significant concern. However, positive technical indicators and strategic corporate events provide some optimism. The valuation remains unattractive, and while the earnings call shows some improvements, ongoing challenges persist.
To see Spark’s full report on FLG stock, click here.
More about Flagstar Financial
Flagstar Bank, National Association is a U.S. national bank operating in commercial and industrial (C&I) lending, private banking, and commercial real estate (CRE) finance, with a growing presence in middle-market, corporate, and specialized industry verticals. Following a series of strategic transactions—including a 2022 merger with Flagstar Bancorp, a 2023 FDIC-assisted acquisition of former Signature Bank assets, a major capital raise in March 2024, and the 2024 sale of its mortgage servicing and related mortgage businesses—the bank has been repositioning its balance sheet and business mix while operating under heightened regulatory standards for institutions with more than $50 billion in assets.
Average Trading Volume: 4,872,018
Technical Sentiment Signal: Sell
Current Market Cap: $5.38B
Learn more about FLG stock on TipRanks’ Stock Analysis page.