FLG logo

FLAGSTAR BANK NA

FLGNYSE
πŸ† #1316 by market capEarnings Oct 23US Equity
$11.84β–Ό $0.20 (βˆ’1.66%)
Market closed Β· at close
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24hβ–Ό 1.7%
7dβ–Ό 3.9%
14dβ–Ό 5.9%
30dβ–Ό 11.0%
ytdβ–Ό 5.9%
1yβ–² 2.4%
🏦Market Cap
$4.94B
Small Cap
πŸ“ˆRevenue Growth (YoY)
-26.5%
Declining
πŸ“ŠGross Margin
45.0%
Healthy
πŸ’΅FCF Margin
1.8%
Thin
βš–οΈP/S Ratio
1.1x
Cheap
Otter Score
52
Weak

Trading Snapshot

Day Range
$11.73 – $12.04
52-Week Range
$10.57 – $15.44
Volume
$3.61B
Avg Volume
$2.89B
Shares Outstanding
416.8M
Next Earnings
Oct 25, 2026

Fundamentals Snapshot

Annual Revenue
$4.70B
Last Q Revenue
$1.05B
P/E Ratio
353.1
P/S Ratio
1.1x
EPS (TTM)
$0.12
Dividend Yield
0.33%
Dilution (1yr)
+31.6%

Why Investors Own FLG

  • βœ“High-growth profile β€” revenue up +50.6% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 48% gross margin and 23% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

FLG logo

FLAGSTAR BANK NA

FLG
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$4.7Bβ–Ό βˆ’26.5% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
37.6%β–² +61.1% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
βˆ’$198Mβ–Ό βˆ’85.6% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
βˆ’$601Mβ–Ό βˆ’1302.0% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
458.7Mβ–² +31.6% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$11.6Bβ–Ό βˆ’$12.6B YoY
StockOtter Β· stockotter.space

About FLAGSTAR BANK NA

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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
52/100

Analyst Ratings

β“˜
Consensus
Buy
22 analysts
Strong Buy3
Buy11
Hold8
Sell0
Strong Sell0
Ratings as of Sep 2026

Latest News & Updates

Zacks Investment ResearchΒ·12d ago

Is the Options Market Predicting a Spike in Flagstar Bank Stock?

Investors need to pay close attention to FLG stock based on the movements in the options market lately.

Seeking AlphaΒ·14d ago

Flagstar Bank, National Association (FLG) Presents at Barclays 24th Annual Global Financial Services Conference Transcript

Flagstar Bank, National Association (FLG) Presents at Barclays 24th Annual Global Financial Services Conference Transcript

PRNewsWireΒ·21d ago

FLAGSTAR BANK, N.A. TO PARTICIPATE AT THE BARCLAYS 24TH ANNUAL GLOBAL FINANCIAL SERVICES CONFERENCE

NEW YORK, N.Y., Sept. 8, 2026 /PRNewswire/ --Β Flagstar Bank, N.A.

GlobeNewsWireΒ·Aug 17

Fiserv and Flagstar Bank Announce Strategic Core Banking Relationship

NEW YORK, Aug. 17, 2026 (GLOBE NEWSWIRE) -- Fiserv, Inc. (NASDAQ: FISV), a global leader in payments and financial technology, and Flagstar Bank, N.A. (NYSE:FLG), one of the nation's largest regional banks, today announc

PRNewsWireΒ·Aug 5

FLAGSTAR PRIVATE BANK ANNOUNCES FULL IMPLEMENTATION OF OPERATING MODEL, EXPANDED LEADERSHIP, AND NEW CLIENT CAPABILITIES

Strategic evolution deepens client relationships, broadens product capabilities, and positions Flagstar Private Bank for long-term growth NEW YORK, N.Y., Aug. 5, 2026 /PRNewswire/ -- Flagstar Private Bank and Wealth Mana

Zacks Investment ResearchΒ·Jul 27

Flagstar Bank Shares Down on Q2 Earnings Miss, Fee Income Falls Y/Y

FLG's stock plunges 5.9% as Q2 earnings miss estimates on lower fee income. However, higher NII, lower costs and reduced credit provisions offer some support.