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Company Analysis

Flagstar Financial, Inc. FLG

A comprehensive view of key metrics, scores, and financial health for Flagstar Financial, Inc.

Overview of Flagstar Financial, Inc.

FLG NYQ
Financial Services Banks - Regional Mid Cap
Flagstar Financial, Inc. (FLG), is a Mid Cap company, in the Banks - Regional industry, last closed at $14.01, about 22.5% undervalued vs fair value, +19.6% 1Y return, ranked 269/1037 in sector.
Metrics Rev Growth 81.7% ROE -2.2% Gross Margin 37.6%
$14.01
0.07%
As of April 28, 2026
Previous close • Vol 90d: 30.4%
52-Week Range
Market Cap
$5.84B
Enterprise Value
$17.47B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Weak
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Weak
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.flagstar.com
HQ Hicksville, NY
Fiscal year Dec 31

Next Events

Earnings Apr 24 Estimated

Fair Value Snapshot

Bear Base Bull
$10
$17
$32
Current: $14.01 +23% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$6.0B
8.4%%
Interest Expense
$2.7B
Net Interest Income
$2.2B
-30.1%%
Total Revenue
$4.7B
81.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-15.0%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Flagstar Financial, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
12
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
7
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing FLG's balance between Growth (2.8%), Profitability (22.0%), and Safety (75.3%). Growth 3% Safety 75% Profitability 22%

Click axes to expand details. Marker shows current allocation.

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Growth

2th percentile vs peers
2
Key Signals
Equity Growth YoY -2.5% 6p Asset Growth YoY -12.6% 1p EPS Growth YoY -6.42 1p NII Growth YoY -30.1% 0p
Strengths
  • Financial Leverage in top 20% of peers (13.80, 92th percentile)
  • D/E Ratio in top 20% of peers (1.50, 89th percentile)
  • Debt/Assets in top 20% of peers (13.9%, 89th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Growth in bottom 20% of peers (percentile: 2)
  • Equity Growth YoY in bottom 20% of peers (-2.5%)
  • Asset Growth YoY in bottom 20% of peers (-12.6%)
  • EPS Growth YoY in bottom 20% of peers (-6.42)

Profitability

17th percentile vs peers
18
Key Signals
Strengths
Risks
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Safety

61th percentile vs peers
62
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Flagstar Financial, Inc..

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This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$17.16
- - -
+22.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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