UBS analyst Nicholas Holowko maintained a Hold rating on Flagstar Financial today and set a price target of $11.50.
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Nicholas Holowko has given his Hold rating due to a combination of factors influencing Flagstar Financial’s current and future performance. The company is on track to achieve projected pre-provision net revenue gains and credit improvements, which could lead to adjusted EPS profitability by the fourth quarter. However, while there is a positive outlook for nonaccrual resolution and payoffs, credit risks persist despite improving trends.
Another critical aspect influencing the Hold rating is the ambitious growth target set by management, aiming for $16 billion in balance sheet growth by the end of 2027. Although there are encouraging signs in commercial and industrial originations, uncertainties remain, particularly with the recent hires and their impact on commitments. Adjustments in balance sheet size and better visibility on fees and expenses have led to a slight reduction in the 2026 EPS estimate, maintaining a cautious stance on the stock.
In another report released on October 30, TR | OpenAI – 4o also reiterated a Hold rating on the stock with a $11.50 price target.