Flagstar Financial, Inc.
FLG · Price history
Price at last available close
$10.47
−$1.37 (-11.57%) 1M
2026-10-29
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Company & revenue
About Flagstar Financial, Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
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.
How they make money
Flagstar Bank, N.A. operates as a regional bank that generates revenue primarily through net interest income earned on loans and investment securities, as well as non-interest income from banking services, mortgage banking activities, and fee-based financial products. The bank manages interest rate risk and credit risk while utilizing deposits and wholesale funding to support its lending operations and commercial banking activities.
Products & services
Flagstar Bank provides a range of financial services including commercial and consumer banking, residential mortgage lending, mortgage servicing, and various treasury management and deposit products for individuals and businesses.
Brands & revenue mix
The primary brand under which the company conducts its banking and financial services operations.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Technology and data processing service providers — The bank relies on various third-party vendors for core banking systems, digital platform infrastructure, and data processing services.Source
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
17
Poor
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
11
Poor
Financial Strength
29
Business Quality / Moat
1
Management
4
Growth Quality
2
Risk / Durability
10
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
20
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
28/100
Building Historical Record
Model Score 28/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as less attractive based on the available valuation and market data.
The model outlook is currently cautious.
No strong positive signal is being highlighted from the currently available summary data.
- •High debt risk
- •Valuation is a weaker part of the current profile
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for FLG
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving FLG's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •How long can FLG fund negative free cash flow using its current cash position before it may need more debt or new shares?
- •Is FLG's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •What future growth or profitability would be needed to justify FLG's current valuation?
- •What does the current high debt stress warning mean for the reliability or interpretation of FLG's score?
Essential Investment Snapshot
Wall Street Score
17
Opportunity Score
20
Market Cap
$4.35B
P/E Ratio
67.4
EPS
$0.15
52-Week High
$15.44
52-Week Low
$10.29
Beta
1.05
Intrinsic Value
$5.93
Analyst Target
$17.00
Shares Outstanding
415.3M
Total Revenue
$4.29B
Total Debt
$12.18B
Reported Dividend Yield
0.35%
Liquidation Value / Share
$18.41
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Strong downward momentum
Normal movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for FLG
Detected from reported data — verify before acting.Dividend history reported
The provider reports a dividend yield. Confirm the latest declaration before treating it as a current payment.
High debt risk
Total debt is at least one year of revenue • Interest coverage is below 2x • Free cash flow is negative • Cash covers less than 20% of total debt
Community Sentiment
0 active · 0 total callsNo personal call yet on FLG.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Established regional banking franchise.
- +Diversified revenue streams across lending and fee-based services.
Potential downside factors
- −Debt risk (high): Total debt is at least one year of revenue.
- −Interest coverage is below 2x.
- −Free cash flow is negative.
- −Cash covers less than 20% of total debt.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
8 historical score records availablePrevious Score
16
Oct 23, 2026
Change
+0.9
points
Current Score
17
Oct 24, 2026
Category Changes
FLG increased 0.9 points because Revenue improved by 2.5 points, Capital improved by 5 points.
Positive Contributors
- + Revenue improved by 2.5 points
- + Capital improved by 5 points
Projected Score
Projected Score
15
Projected Change
-2.5 points
Preliminary comparable-period financial changes suggest decline of approximately 2.5 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
OvervaluedCurrent Price
$10.47
Model Intrinsic Value
$5.93
Difference
+$4.54
+76.5% vs IV
Margin of Safety
-76.5%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.29B | $4.70B | $6.38B | $6.05B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $2.32B | $2.93B | $4.89B | $3.25B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $1.97B | $1.77B | $1.49B | $2.80B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $1.03B | $1.18B | $2.38B | $1.90B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $1.85B | $1.96B | $2.87B | $2.85B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $805.0M | -$50.0M | -$1.19B | $115.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $115.0M | -$198.0M | -$1.38B | -$50.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $2.22B | $2.75B | $3.80B | $2.41B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $115.0M | -$198.0M | -$1.38B | -$50.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $19.0M | -$21.0M | -$260.0M | $29.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $96.0M | -$177.0M | -$1.12B | -$79.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $0.15 | $-0.51 | $-3.49 | $-0.49 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 0 | 415M | 320M | 238M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 0 | 415M | 331M | 238M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$1.08B
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.01
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-100.0%
Cash Change
-95.5%
Margin Change
+4.2 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Debt reduced
What Weakened
- Cash position declined
Potential Score Impact
Positive indicators included debt levels, net income margin. Pressure indicators included revenue growth, EPS growth, cash levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 6.8%. EPS declined 109.1%. Cash declined 95.5%. Total debt declined 100.0%. Net income margin improved by 4.2 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
A dividend is reported, but detailed payment history is temporarily unavailable or awaiting refresh.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
8 historical recordsHistorical Score Chart
3 of 8 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Banks - RegionalNews
Flagstar Bank: Living Up To The Value Trap Name
Flagstar Bank: High Margin Of Safety, Despite Credit Issues
Flagstar Bank, National Association (FLG) Q3 2026 Earnings Call Transcript
Flagstar Stock Drops to New 52-Week Low After Mixed Q3 Results
Rumor Mill · FLG
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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