Flagstar Financial, Inc.
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Price history
Chart
Interactive price chart (TradingView).
52-week range: 10.70 $ to 15.40 $ · Last price: 12.60 $ (As of: September 18, 2026)
Key figures
Key figures at a glance
Every figure we hold for this stock, grouped by topic. The question mark next to a label explains what the number means.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 09/18/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
Comparison
Industry comparison
The stock alongside the largest companies in the same group. The median row is the middle value of the companies shown above — not of the whole industry.
Industry: Banks - Regional
| Company | Market cap ($B) | P/E | EV/EBITDA | Gross Margin % | EBIT Margin % | Sales Growth (Year) % | Perf. 1Y % |
|---|---|---|---|---|---|---|---|
| Flagstar Financial, Inc. FLG | 5.2 | – | 0.0 | 100.0 | 17.5 | -26.5 | 5.1 |
| Mizuho Financial Group Inc. MFG | 133.3 | 17.1 | 0.0 | 100.0 | 46.7 | 10.4 | 70.4 |
| HDFC Bank Limited HDB | 119.1 | 16.1 | 0.0 | 100.0 | 33.3 | 24.3 | -31.8 |
| ICICI Bank Limited IBN | 101.0 | 17.5 | 0.0 | 100.0 | 38.5 | 6.0 | -11.5 |
| PNC Financial Services Group Inc PNC | 92.8 | 13.7 | 0.0 | 100.0 | 36.7 | -7.0 | 16.8 |
| U.S. Bancorp USB | 92.3 | 12.8 | 0.0 | 100.0 | 37.8 | 0.4 | 24.4 |
| Itau Unibanco Banco Holding SA ITUB | 90.4 | 9.9 | 0.0 | 100.0 | 39.1 | 18.0 | 26.3 |
| Deutsche Bank AG DB | 71.5 | 10.0 | 0.0 | 100.0 | 33.4 | -8.3 | 12.6 |
| Nu Holdings Ltd NU | 66.8 | 21.6 | 0.0 | 100.0 | 48.2 | 43.0 | -14.6 |
| Median of companies shown | 92.3 | 14.9 | 0.0 | 100.0 | 37.8 | 6.0 | 12.6 |
Based on the most recently reported figures. Only stocks from the same trading venue are lined up, so the market caps are counted in one currency. Compare in a chart →
Fiscal years
Annual Figures
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
Revenue, operating income and net income per fiscal year $M
Revenue Operating income Net income
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 1,827 | 777 | 495 | 3.06 | 756 | 6,124 | 48,927 |
| 2017 | 1,818 | 668 | 466 | 2.87 | 1,327 | 6,795 | 49,124 |
| 2018 | 1,781 | 558 | 422 | 2.60 | 540 | 6,655 | 51,899 |
| 2019 | 1,889 | 523 | 395 | 2.54 | 510 | 6,712 | 53,641 |
| 2020 | 1,769 | 588 | 511 | 3.31 | 334 | 6,842 | 56,306 |
| 2021 | 1,750 | 806 | 596 | 3.85 | 290 | 7,044 | 59,527 |
| 2022 | 2,178 | 826 | 650 | 4.02 | 1,026 | 8,824 | 90,144 |
| 2023 | 6,047 | -50 | -79 | -0.33 | 263 | 8,367 | 114,057 |
| 2024 | 6,384 | -1,378 | -1,118 | -3.38 | 86 | 8,167 | 100,160 |
| 2025 | 4,695 | -198 | -177 | -0.43 | -534 | 8,144 | 87,512 |
Quarters
Quarterly Figures
Each bar is one quarter, the last one is the most recent. Use the switch to step through the individual figures.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
None of the selected stocks reports this metric. Pick another metric or switch between annual and quarterly.
· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | -0.54 | – | 1,433 | -9.60 | -13.10 | 623 | 620 |
| 2025: Q1 | -0.24 | – | 1,244 | -24.30 | -8.00 | -590 | -602 |
| 2025: Q2 | -0.17 | – | 1,220 | -26.60 | -5.70 | 355 | 348 |
| 2025: Q3 | -0.09 | – | 1,161 | -29.50 | -3.10 | 243 | 233 |
| 2025: Q4 | 0.06 | – | 1,114 | -22.30 | 2.60 | -178 | -216 |
| 2026: Q1 | 0.05 | – | 1,039 | -16.50 | 2.00 | -133 | -153 |
| 2026: Q2 | 0.06 | 135.30 | – | – | – | 226 | 226 |
What Do These Terms Mean?
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Screening
Appears in These Scanners
This stock currently matches 6 of our scanner strategies — each hit links to the scanner.
Quality & Balance Sheet
Momentum & Trend
Only genuine hits from verified scanners count; pure ranking metrics (P/E, P/S, and similar, which just sort the whole universe) don't count as a hit. View all scanners
Outlook
Analysts & Price Target
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Distribution of Recommendations
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 0.35 | 0.26 – 0.42 | 2,188 | 194.5% | 16 |
| 12/31/2027 | 1.35 | 1.11 – 1.65 | 2,791 | 287.5% | 16 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Valuation
What is priced in?
Instead of guessing what the stock is worth, we turn the question around: what free cash flow growth has to happen for today’s market value to add up? The assumptions behind it can be moved.
Today’s market value implies roughly 24.1% growth in free cash flow per year over ten years (assumptions: discount rate 10.0%, terminal growth 2.5%).
| Free cash flow (last twelve months) | $79.0M |
|---|---|
| Market cap | $5.25B |
| Free cash flow in year ten | $686.7M |
| Terminal value as a share of market value | 68.9% |
It shows which assumption is built into today’s price, not whether that assumption will hold. Every assumption can be changed with the sliders; the figures move with them.
A simplified model calculation — not a forecast and not a recommendation.
AI classification
AI Rating
Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available.
Growth
Growth Score
Ten checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 29.2%
- More than 10% revenue growth is expected for the coming year 27.3%
- Share count grows by less than 3% a year 36.9%
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") -39.3%
- Gross margin at 40% or higher and without meaningful erosion 37.6%
- Goodwill from acquisitions does not grow faster than revenue 0.0%
- Net debt below twice EBITDA 4,070 m net cash
- Operating cash flow covers the profits of the last three years 1,189 m
- Return on capital at 15% or higher, or up versus two years ago -0.4%
- Insiders hold at least 10% or are net buyers 0.9%
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Quality check
AAQS
2/10The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).
- Sales growth 10Y > 5% 11.1%
- Exp. sales growth 3Y > 5% -22.9%
- EBIT growth 10Y > 5% –
- Exp. EBIT growth 3Y > 5% -22.9%
- Net debt < 4x EBIT –
- EBIT positive, 10Y straight 7
- Max. EBIT decline < 50% 100.0%
- Return on equity > 15% -2.3%
- ROCE > 15% -0.3%
- Expected return > 10% -31.7%
View stocks with the full AAQS score · Read the methodology at AlleAktien
Source: fundamental data
Insiders
Insider Transactions
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| Jul 15, 2026 | Marx Bryan | EVP & Princ Accounting Officer | Other | 1,259 | 0.00 | – |
The company
About the Company
Flagstar Bank, National Association bietet Bankprodukte und -dienstleistungen in den USA an. Zu den Einlagenprodukten des Unternehmens zählen verzinsliche Giro- und Geldmarktkonten, Sparkonten, unverzinsliche Konten sowie Festgeldkonten.
- Employees
- 5,631
- Headquarters
- Hicksville, NY
- Address
- 102 Duffy Avenue, 11801 Hicksville, United States
- Phone
- 516 683 4100
- Website
- flagstar.com
- IPO Date
- 11/23/1993
- ISIN
- US6494454001
- Stock Split
- 1:3 on 07/12/2024
- Stock Split
- 4:3 on 02/18/2004
- Stock Split
- 4:3 on 05/22/2003
Management
| Name | Title | Birth Year |
|---|---|---|
| Joseph M. Otting | CEO & Executive Chairman | 1957 |
| Lee Matthew Smith | CFO, Co-President & Co-COO | 1975 |
| Bao Nguyen | Senior EVP, Chief Legal Officer, COO for Consumer & Retail Banking and Chief of Staff | 1982 |
| George F. Buchanan III | Executive VP & Chief Risk Officer | 1969 |
| Kris A. Gagnon | Senior EVP & Chief Credit Officer | 1952 |
| Richard A. Raffetto | Chief Banking Officer, Co-President & Co-COO | 1969 |
| Christopher P. Higgins | Executive VP and Chief Information & Operations Officer | – |
| Bryan L. Marx | Executive VP & Chief Accounting Officer | 1976 |
| Jason Pope | Chief Technology Officer | – |
| Salvatore J. DiMartino | Executive VP & Director of Investor Relations | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Filings
Company Filings (8-K)
An 8-K is the filing a US company must use to disclose material events immediately — takeovers, changes at the top, major contracts or payment troubles, for instance. The links open the original document at the US Securities and Exchange Commission (SEC).
- 07/24/2026 FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG): Results of Operations and Financial Condition; Regulation FD Disclosure; Other Events; Financial Statements and Exhibits SEC ↗
Data as of: September 18, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.