Flagstar Financial, Inc. (FLG)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 14.20 $ — 75% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
4 of 10 Weak growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 29.2% passed
- More than 10% revenue growth is expected for the coming year 27.3% passed
- Share count grows by less than 3% a year 36.9% failed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") -39.3% failed
- Gross margin at 40% or higher and without meaningful erosion 37.6% failed
- Goodwill from acquisitions does not grow faster than revenue 0.0% passed
- Net debt below twice EBITDA 4,070 m net cash passed
- Operating cash flow covers the profits of the last three years 1,189 m failed
- Return on capital at 15% or higher, or up versus two years ago -0.4% failed
- Insiders hold at least 10% or are net buyers 0.9% failed
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
Analysts & Price Target
The price target sits 14.2% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 16
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.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 0.36 | 0.27 – 0.42 | 2,191 | 196.1% | 13 |
| 12/31/2027 | 1.40 | 1.22 – 1.65 | 2,792 | 293.5% | 14 |
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.
Next Reporting Date
- Expected Earnings per Share
- 0.11 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | -0.54 | – | 1,433 | -9.60 | -13.10 | 623 | 620 |
| 2025: Q1 | -0.24 | – | 1,244 | -24.30 | -8.00 | -590 | -602 |
| 2025: Q2 | -0.17 | – | 1,220 | -26.60 | -5.70 | 355 | 348 |
| 2025: Q3 | -0.09 | – | 1,161 | -29.50 | -3.10 | 243 | 233 |
| 2025: Q4 | 0.06 | – | 1,114 | -22.30 | 2.60 | -178 | -216 |
| 2026: Q1 | 0.05 | – | 1,039 | -16.50 | 2.00 | -133 | -153 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($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 |
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.
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 | 23. Nov 1993 |
| ISIN | US6494454001 |
| Stock Split | 1:3 on 07/12/2024 |
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.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 15. Jul 2026 | Marx Bryan | EVP & Princ Accounting Officer | Other | 1,259 | 0.00 | – |
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.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: July 31, 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.