Flagstar Bank/$FLG
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Capital at risk
About Flagstar Bank
Flagstar Bank NA operates as a regional bank in the United-States. The group operates approximately 340 locations across ten states, with footholds in the greater New York/New Jersey metropolitan region and in the upper Midwest, along with a notable presence in fast-growing markets in Florida and the West Coast. In addition, the Bank has private banking teams located in several cities in the metropolitan New York City region and on the West Coast, which serve the needs of high-net-worth individuals and their businesses. It offers a variety of banking products and services, including consumer and commercial banking, mortgage lending, and wealth management through its subsidiaries. It serves individuals, small businesses, and corporations.
- Ticker
- $FLG
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 5,631
- Headquarters
- Hicksville, United States
- Website
- www.flagstar.com
Flagstar Bank Metrics
BasicAdvanced
$5.3B
356.17
$0.04
1.00
$0.04
0.31%
Price and volume
Market cap
$5.3B
Beta
1
52-week high
$15.44
52-week low
$10.57
Average daily volume
3.9M
Dividend rate
$0.04
Financial strength
Dividend payout ratio (TTM)
102.08%
Profitability
Net profit margin (TTM)
2.36%
Operating margin (TTM)
17.13%
Effective tax rate (TTM)
42.86%
Revenue per employee (TTM)
$360,000
Management effectiveness
Return on assets (TTM)
0.05%
Return on equity (TTM)
0.59%
Valuation
Price to earnings (TTM)
356.172
Price to revenue (TTM)
2.63
Price to book
0.7
Price to tangible book (TTM)
0.73
Price to free cash flow (TTM)
152.645
Free cash flow yield (TTM)
0.66%
Free cash flow per share (TTM)
0.084
Dividend yield (TTM)
0.31%
Forward dividend yield
0.31%
Growth
Revenue change (TTM)
19.19%
Earnings per share change (TTM)
-102.16%
3-year revenue growth (CAGR)
-1.56%
3-year earnings per share growth (CAGR)
-86.05%
10-year earnings per share growth (CAGR)
-17.88%
3-year dividend per share growth (CAGR)
-73.03%
10-year dividend per share growth (CAGR)
-33.92%
What the Analysts think about Flagstar Bank
Analyst ratings (Buy, Hold, Sell) for Flagstar Bank stock.
Analyst projections of the future price of Flagstar Bank stock.
Bulls say / Bears say
Flagstar returned to profit for a third consecutive quarter, with second-quarter net income of $34 million and pre-provision net revenue up sharply. Operating expenses fell 3%, giving the turnaround some operating leverage. (PR Newswire)
The new commercial banking strategy is gaining traction: C&I loans rose $2.0 billion, or 12%, in the second quarter, while core deposits increased by about $700 million. This could create a more diversified and relationship-led earnings base than the legacy property book. (PR Newswire, Flagstar Financial)
Flagstar is reducing its commercial-property concentration while retaining financial flexibility: total MF/CRE exposure fell $1.5 billion in the quarter, CET1 capital was 13.16%, and management estimated $1.6 billion of excess capital. The newly authorised $250 million buyback offers a potential shareholder-return catalyst if credit trends remain controlled. (PR Newswire, Flagstar Financial)
The turnaround is still costing near-term earnings. After CRE payoffs ran well above expectations, Flagstar cut its 2026 net-interest-income guidance to $1.86–$1.96 billion and lowered its adjusted EPS forecast to $0.40–$0.50. (American Banker)
Credit risk has not disappeared: second-quarter net charge-offs rose to $100 million, or 0.66% of average loans, while non-accrual loans increased 5% quarter on quarter. The bank also took an $18 million provision, partly reflecting updated assumptions for New York City rent-regulated multifamily loans. (PR Newswire, Flagstar Financial)
The revenue mix remains vulnerable to rates and funding costs. Flagstar reduced its 2026 fee-income outlook because higher-for-longer rates are hurting mortgage gain-on-sale revenue, while deposit growth is shifting towards interest-bearing accounts and putting pressure on net interest margin. (American Banker, Flagstar Financial)
Data summarised monthly by Lightyear AI. Last updated on 16 Sept 2026.
Flagstar Bank Financial Performance
Revenues and expenses
Flagstar Bank Earnings Performance
Company profitability
Upcoming events
Flagstar Bank News
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Funds containing Flagstar Bank
AllEURUSDGBP
Fund name | Fund size | $FLG weighting |
|---|---|---|
iShares S&P US Banks€IUS2 | €1B | 0.62% |
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.13% |
SPDR S&P 400 US Mid Cap$SPY4 | $6.3B | 0.11% |
SPDR S&P 400 US Mid Cap£SPX4 | £4.7B | 0.11% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.05% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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