Flagstar Financial, Inc. (FLG)
NYSE:FLG
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FLG Stock Chart & Stats
$14.65
-$0.17(-1.84%)
At close: 4:00 PM EST
$14.65
-$0.17(-1.84%)
Day’s Range― - ―
52-Week Range$10.38 - $15.37
Previous CloseN/A
Volume1.54M
Average Volume (3M)3.95M
Market Cap
$6.28B
Enterprise Value$17.01B
Total Cash (Recent Filing)$401.00M
Total Debt (Recent Filing)$11.19B
Price to Earnings (P/E)―
Beta1.08
Next Earnings
Jul 29, 2026EPS Estimate
0.07Next Dividend Ex-DateN/A
Dividend Yield0.31%
Share Statistics
EPS (TTM)-0.22
Shares Outstanding416,815,120
10 Day Avg. Volume4,611,759
30 Day Avg. Volume3,950,254
Financial Highlights & Ratios
PEG Ratio0.35
Price to Book (P/B)0.64
Price to Sales (P/S)1.11
P/FCF Ratio-8.70
Enterprise Value/Market Cap2.71
Enterprise Value/Revenue3.75
Enterprise Value/Gross Profit8.97
Enterprise Value/Ebitda171.80
Forecast
1Y Price Target
$15.92Price Target Upside8.69% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering13
EPS Forecast (FY)0.44
Revenue Forecast (FY)$2.28B
Bulls Say, Bears Say
Bulls Say
Capital StrengthA CET1 ratio around 13.2% and roughly $1.6B of excess capital provide a durable buffer against credit losses and support regulatory flexibility. This strengthens the bank's ability to absorb shocks, pursue organic growth, and consider capital returns once sustained profitability is achieved.
C&I Loan GrowthSustained, sizable C&I loan growth demonstrates successful strategic repositioning toward higher-growth commercial lending. A durable shift into C&I diversifies loan mix away from CRE concentration, tends to generate more stable NII over the cycle, and supports repeatable fee and interest income streams.
CRE / Multifamily De-riskingMaterial reduction in CRE and multifamily exposure reduces concentration and rollover risk in the loan book. Lower CRE concentrations improve portfolio resilience to sector-specific shocks and support more balanced asset allocation, enhancing long-term credit quality if underwriting and origination discipline persist.
Bears Say
Negative ProfitabilityTrailing profitability remains negative, which constrains ROE, internal capital generation, and discretionary actions. Until earnings sustain the guided recovery, the bank must rely on capital buffers and cost cuts to fund reserves and growth, limiting strategic flexibility over the medium term.
2027 Reset Concentration RiskA concentrated cohort of 2027 loan resets, notably rent-regulated multifamily, creates meaningful rollover and repricing risk. If market conditions or regulatory constraints depress cash flows in these segments, the bank could face reinvestment risk, credit stress, and margin pressure during the reset window.
Allowance Coverage DeclineA lower ACL and modest coverage ratio reduce the cushion against future charge-offs as balances shift. If delinquencies or losses materialize in remaining CRE or multifamily loans, the bank may need to reallocate earnings to provisioning, slowing the path to durable capital returns and profitability normalization.
Flagstar Financial News
FLG FAQ
What was Flagstar Financial, Inc.’s price range in the past 12 months?
Flagstar Financial, Inc. lowest stock price was $10.38 and its highest was $15.37 in the past 12 months.
What is Flagstar Financial, Inc.’s market cap?
Flagstar Financial, Inc.’s market cap is $6.28B.
When is Flagstar Financial, Inc.’s upcoming earnings report date?
Flagstar Financial, Inc.’s upcoming earnings report date is Jul 29, 2026 which is in 42 days.
How were Flagstar Financial, Inc.’s earnings last quarter?
Flagstar Financial, Inc. released its earnings results on Apr 24, 2026. The company reported $0.03 earnings per share for the quarter, beating the consensus estimate of $0.029 by <$0.001.
Is Flagstar Financial, Inc. overvalued?
According to Wall Street analysts Flagstar Financial, Inc.’s price is currently Undervalued.
Does Flagstar Financial, Inc. pay dividends?
Flagstar Financial, Inc. pays a Quarterly dividend of $0.01 which represents an annual dividend yield of 0.31%. See more information on Flagstar Financial, Inc. dividends here
What is Flagstar Financial, Inc.’s EPS estimate?
Flagstar Financial, Inc.’s EPS estimate is 0.07.
How many shares outstanding does Flagstar Financial, Inc. have?
Flagstar Financial, Inc. has 416,815,120 shares outstanding.
What happened to Flagstar Financial, Inc.’s price movement after its last earnings report?
Flagstar Financial, Inc. reported an EPS of $0.03 in its last earnings report, beating expectations of $0.029. Following the earnings report the stock price went down -2.225%.
Which hedge fund is a major shareholder of Flagstar Financial, Inc.?
Currently, no hedge funds are holding shares in FLG
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Flagstar Financial Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$15.92 (8.69% Upside)
$15.92 (8.69% Upside)
Blogger Sentiment
Bullish
FLG Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 165.5K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Positive
Last 7 Days ▲ 0.6%
Last 30 Days ▲ 0.5%
Last 30 Days ▲ 0.5%
Technicals
SMA
Positive
20 days / 200 days
Momentum
36.92%
12-Months-Change
Fundamentals
Return on Equity
-0.69%
Trailing 12-Months
Asset Growth
-10.75%
Trailing 12-Months
Company Description
Flagstar Financial, Inc.
Flagstar Financial, Inc. serves as the holding company for Flagstar Bank, N.A., delivering a wide array of banking solutions and services throughout the United States. Its deposit portfolio features interest-bearing checking, money market, savings, and non-interest-bearing accounts, alongside retirement savings plans and certificates of deposit. The institution extends a diverse range of credit facilities, including financing for multi-family properties, commercial real estate ventures, and acquisition, development, and construction projects. Further offerings encompass commercial and industrial loans, mortgages for one-to-four family residences, specialized finance loans and leases, and warehouse lending. Additionally, Flagstar provides various consumer credit options, such as home equity lines of credit, indirect loans for boats and recreational vehicles, point-of-sale consumer financing, and overdraft facilities. Beyond traditional banking, the company offers cash management tools, a selection of non-deposit investment and insurance products, and convenient digital access through online, mobile, and telephone banking platforms. Its primary clientele consists of individual consumers, small to medium-sized businesses, and professional organizations. Established in 1859 and based in Hicksville, New York, the company recently changed its name to Flagstar Financial, Inc. in October 2024, having formerly been known as New York Community Bancorp, Inc.
FLG Company Deck
FLG Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented meaningful operational progress—notably strong C&I growth, deposit gains, NIM expansion (adjusted), expense discipline, capital strength and rating upgrades—alongside deliberate portfolio de-risking (CRE/multifamily paydowns) and remediation of controls. Headwinds are primarily timing-related: elevated CRE payoffs reduced near-term NII, allowance levels declined with portfolio shrinkage, and material 2027 loan resets (including rent-regulated multifamily) create forward-looking rollover risk. Management framed the challenges as expected elements of its strategic transition and remains confident in returning sustainable profitability and considering capital actions in the back half of the year.View all FLG earnings summariesFLG Stock 12 Month Forecast
Average Price Target
$15.92
▲(8.69% Upside)
Technical Analysis
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Ownership Overview
19.01% Insiders
13.45% Mutual Funds
40.83% Other Institutional Investors
3.57% Public Companies and
Individual Investors