Flagstar Financial, Inc. (FLG) AI Stock Analysis

Flagstar Bank, National Association provides banking products and services across the United States. Its deposit offerings include interest-bearing checking and money market accounts, savings accounts, non-interest-bearing accounts, and certificates of deposit. On the lending side, the bank provides multi-family loans, commercial real estate loans, acquisition, development, and construction loans, commercial and industrial loans, one-to-four family loans, specialty finance loans and leases, warehouse loans, and home equity lines of credit alongside other consumer credit lines. The institution also offers non-deposit investment and insurance products as well as online and mobile banking services to individuals, small and mid-size businesses, and professional associations.

Flagstar Financial achieved a 5-year revenue CAGR of 21.6% from FY2020 to FY2025. Annual revenue expanded from $1.75B in FY2021 to $2.18B in FY2022 and reached $6.38B in FY2024, before declining 26.5% to $4.70B in FY2025. Profitability experienced significant pressure over this span, with net income moving from $596.0M in FY2021 and $650.0M in FY2022 to -$79.0M in FY2023, -$1.12B in FY2024, and -$177.0M in FY2025. Operating margin dropped from 46.1% in FY2021 to -21.6% in FY2024 and -4.2% in FY2025. Over the trailing twelve months, revenue was $2.03B with an operating margin of 20.3% and EPS of $0.03, supported by quarterly revenue growth of 15.3% year-over-year for the period ending June 30, 2026.

As of June 30, 2026, Flagstar Financial held $16.97B in cash and short-term investments against $10.94B in total debt, resulting in net cash of $6.03B. Total assets stood at $87.71B and shareholders' equity was $8.14B, yielding a debt-to-equity ratio of 1.34. In FY2025, operating cash flow was -$534.0M and free cash flow was -$601.0M. Capital expenditures totaled $67.0M and dividends paid were $48.0M during FY2025, while the share count increased 206.2% over 5 years.

Flagstar Financial trades at a trailing P/E of 369.3x, significantly above the 12.1x median of its US-listed Financial Services peers. However, its forward P/E stands at 7.6x, compared to the peer group median of 10.8x. The company's price-to-sales ratio is 2.3x versus the peer median of 3.2x, and its price-to-book ratio is 0.7x. The company carries a market cap of $4.60B and an enterprise value of $11.35B. Over the past year, FLG returned -0.2%, trailing the S&P 500 (SPY) return of 16.8%, and over five years returned -68.5% compared to 83.0% for SPY.

Flagstar Financial pays a quarterly dividend with an annualized forward dividend of $0.04 per share, translating to a dividend yield of 0.36%. The dividend payout ratio stands at 50.0%. The company has maintained consecutive dividend payments for 33 years, and its last ex-dividend date occurred on September 4, 2026.

Wall Street analyst coverage includes 8 Strong Buy, 4 Buy, and 6 Hold ratings, with 0 Sell or Strong Sell recommendations. The mean price target is $15.29, representing an upside of 38.0% compared to the last close of $11.08. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $2.14B and EPS of $0.29. For FY2027, 16 analysts forecast revenue of $2.69B and EPS of $1.17. The bank has beaten EPS estimates in 1 of the last 4 quarters, with the next earnings release scheduled for October 23, 2026.

This page is an AI-written research summary of Flagstar Financial, Inc. (FLG). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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