Symbols / FLG Stock $14.60 -2.21% Flagstar Bank, National Association

Financial Services • Banks - Regional • United States • NYQ
FLG (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Joseph M. Otting
Exch · Country NYQ · United States
Market Cap 6.09B
Enterprise Value 11.32B
Income -89.00M
Sales 1.96B
FCF (ttm) —
Book/sh 18.28
Cash/sh 16.86
Employees 5,631
Insider 10d —
IPO Nov 23, 1993
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout —
P/E —
Forward P/E 9.38
PEG 0.78
P/S 3.10
P/B 0.80
P/C —
EV/EBITDA —
EV/Sales 5.76
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) -0.21
EPS next Y 1.56
EPS Growth —
Revenue Growth 21.20%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-07-24
Earnings (prior) 2026-04-24
ROA -0.06%
ROE -0.69%
ROIC —
Gross Margin 0.00%
Oper. Margin 17.47%
Profit Margin -2.85%
Shs Outstand 416.82M
Shs Float 266.82M
Insider Own 0.94%
Instit Own 95.33%
Short Float 0.01%
Short Ratio 0.01
Short Interest 19.03K
52W High 15.37
vs 52W High -5.01%
52W Low 10.38
vs 52W Low 40.66%
Beta 1.03
Impl. Vol. 76.76%
Rel Volume 1.78
Avg Volume 4.67M
Volume 8.34M
Target (mean) $15.72
Tgt Median $16.00
Tgt Low $13.00
Tgt High $17.00
# Analysts 16
Recom Buy
Prev Close $14.93
Price $14.60
Change -2.21%
About

Flagstar Bank, National Association provides banking products and services in the United States. The company's deposit products include interest-bearing checking and money market, savings, and non-interest-bearing accounts, as well as certificates of deposit. It offers loan products comprising 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, as well as other consumer loans, including overdraft loans. The company offers non-deposit investment and insurance products; and online and mobile banking services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as Flagstar Financial, Inc. Flagstar Bank, National Association was founded in 1859 and is headquartered in Hicksville, New York.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$15.72
Mean price target
2. Current target
$14.60
Latest analyst target
3. DCF / Fair value
$15.72
Proxy: analyst mean price target (no FCF/EPS data available).
Ratings
Current target
$14.60
Low
$13.00
High
$17.00
Mean
$15.72

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-28 main Citigroup Buy → Buy $17
2026-04-27 main Piper Sandler Overweight → Overweight $17
2026-04-27 main RBC Capital Sector Perform → Sector Perform $16
2026-04-27 main DA Davidson Buy → Buy $17
2026-04-07 main Barclays Overweight → Overweight $16
2026-04-07 up Truist Securities Hold → Buy $17
2026-03-13 up Keefe, Bruyette & Woods Market Perform → Outperform $16
2026-03-02 main Morgan Stanley Equal-Weight → Equal-Weight $16
2026-02-24 main DA Davidson Buy → Buy $16
2026-02-03 main Citigroup Buy → Buy $17
2026-02-02 main DA Davidson Buy → Buy $16
2026-02-02 main JP Morgan Neutral → Neutral $15
2026-02-02 main Keefe, Bruyette & Woods Market Perform → Market Perform $14
2026-02-02 main RBC Capital Sector Perform → Sector Perform $15
2025-12-19 main Barclays Overweight → Overweight $15
2025-12-19 main Cantor Fitzgerald Overweight → Overweight $16
2025-12-16 main JP Morgan Neutral → Neutral $15
2025-11-13 main DA Davidson Buy → Buy $15
2025-11-05 main UBS Neutral → Neutral $12
2025-10-27 main DA Davidson Buy → Buy $15
News
RSS: Latest FLG news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-18 OTTING JOSEPH M. Chief Executive Officer — 749,625 $0.00 $0
2026-03-13 BUCHANAN GEORGE Officer — 61,475 $0.00 $0
2026-03-13 BAO NGUYEN General Counsel — 122,951 $0.00 $0
2026-03-13 RAFFETTO RICHARD A Officer — 245,902 $0.00 $0
2026-03-13 OTTING JOSEPH M. Chief Executive Officer — 81,967 $0.00 $0
2026-03-13 SMITH LEE MATTHEW Chief Financial Officer — 245,902 $0.00 $0
2026-03-13 MARX BRYAN Officer — 24,590 $0.00 $0
2026-01-27 PUWALSKI ALLEN Director — 9,939 $0.00 $0
2026-01-27 LUX MARSHALL JAN Director — 9,939 $0.00 $0
2026-01-27 MNUCHIN STEVEN T Director and Beneficial Owner of more than 10% of a Class of Security — 9,939 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
2,062.00
-20.20%
2,584.00
-28.87%
3,633.00
+145.14%
1,482.00
Operating Revenue
2,062.00
-20.20%
2,584.00
-28.87%
3,633.00
+145.14%
1,482.00
Selling General And Administration
1,452.00
-30.49%
2,089.00
+25.54%
1,664.00
+225.00%
512.00
General And Administrative Expense
1,452.00
-30.49%
2,089.00
+25.54%
1,664.00
+225.00%
512.00
Salaries And Wages
976.00
-22.72%
1,263.00
+9.92%
1,149.00
+224.58%
354.00
Other Gand A
307.00
-40.16%
513.00
+31.88%
389.00
+146.20%
158.00
Reconciled Depreciation
148.00
-19.57%
184.00
+11.52%
165.00
+617.39%
23.00
Total Unusual Items
-56.00
+59.42%
-138.00
+77.92%
-625.00
-826.74%
86.00
Total Unusual Items Excluding Goodwill
-56.00
+59.42%
-138.00
+77.92%
-625.00
-826.74%
86.00
Special Income Charges
-56.00
+59.42%
-138.00
+77.92%
-625.00
-826.74%
86.00
Other Special Charges
—
—
49.00
+2550.00%
-2.00
Impairment Of Capital Assets
0.00
0.00
-100.00%
2,426.00
0.00
Restructuring And Mergern Acquisition
56.00
-75.33%
227.00
+112.60%
-1,801.00
-2044.05%
-84.00
Write Off
—
77.00
—
—
Net Income
-177.00
+84.17%
-1,118.00
-1315.19%
-79.00
-112.15%
650.00
Pretax Income
-198.00
+85.63%
-1,378.00
-2656.00%
-50.00
-106.05%
826.00
Net Interest Income
1,721.00
-20.03%
2,152.00
-30.06%
3,077.00
+120.42%
1,396.00
Interest Expense
2,745.00
-27.78%
3,801.00
+57.46%
2,414.00
+246.84%
696.00
Interest Income
4,466.00
-24.97%
5,952.00
+8.40%
5,491.00
+162.48%
2,092.00
Gain On Sale Of Security
31.00
0.00
0.00
+100.00%
-2.00
Gain On Sale Of Business
0.00
-100.00%
89.00
0.00
0.00
Tax Provision
-21.00
+91.92%
-260.00
-996.55%
29.00
-83.52%
176.00
Tax Rate For Calcs
0.00
-43.79%
0.00
-10.15%
0.00
-1.44%
0.00
Tax Effect Of Unusual Items
-5.94
+77.19%
-26.04
+80.16%
-131.25
-816.26%
18.32
Net Income Including Noncontrolling Interests
-177.00
+84.17%
-1,118.00
-1315.19%
-79.00
-112.15%
650.00
Net Income From Continuing Operation Net Minority Interest
-177.00
+84.17%
-1,118.00
-1315.19%
-79.00
-112.15%
650.00
Net Income From Continuing And Discontinued Operation
-177.00
+84.17%
-1,118.00
-1315.19%
-79.00
-112.15%
650.00
Net Income Continuous Operations
-177.00
+84.17%
-1,118.00
-1315.19%
-79.00
-112.15%
650.00
Normalized Income
-126.94
+87.38%
-1,006.04
-342.56%
414.75
-28.78%
582.32
Net Income Common Stockholders
-210.00
+81.79%
-1,153.00
-885.47%
-117.00
-119.21%
609.00
Otherunder Preferred Stock Dividend
—
—
5.00
-37.50%
8.00
Diluted EPS
-0.50
+85.29%
-3.40
-134.98%
9.72
+157.14%
3.78
Basic EPS
-0.50
+85.29%
-3.40
-134.87%
9.75
+157.94%
3.78
Basic Average Shares
415.33
+25.59%
330.71
+39.02%
237.88
+47.57%
161.20
Diluted Average Shares
415.33
+25.59%
330.71
+38.69%
238.46
+47.46%
161.71
Diluted NI Availto Com Stockholders
-210.00
+81.79%
-1,153.00
-885.47%
-117.00
-119.21%
609.00
Amortization
107.00
-21.32%
136.00
+7.94%
126.00
+2420.00%
5.00
Amortization Of Intangibles Income Statement
107.00
-21.32%
136.00
+7.94%
126.00
+2420.00%
5.00
Depreciation Amortization Depletion Income Statement
107.00
-21.32%
136.00
+7.94%
126.00
+2420.00%
5.00
Depreciation And Amortization In Income Statement
107.00
-21.32%
136.00
+7.94%
126.00
+2420.00%
5.00
Insurance And Claims
169.00
-46.01%
313.00
+148.41%
126.00
0.00
Occupancy And Equipment
202.00
-4.27%
211.00
+5.50%
200.00
+117.39%
92.00
Other Non Interest Expense
173.00
-6.99%
186.00
+3.33%
180.00
—
Preferred Stock Dividends
33.00
-5.71%
35.00
+6.06%
33.00
+0.00%
33.00
Professional Expense And Contract Services Expense
86.00
-21.82%
110.00
+100.00%
55.00
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
87,512.00
-12.63%
100,160.00
-12.18%
114,057.00
+26.53%
90,144.00
Cash And Cash Equivalents
5,894.00
-61.80%
15,430.00
+34.47%
11,475.00
+464.71%
2,032.00
Cash Financial
553.00
+27.42%
434.00
—
—
Other Short Term Investments
15,701.00
+50.94%
10,402.00
+13.75%
9,145.00
+6.02%
8,626.00
Receivables
300.00
-3.85%
312.00
-90.22%
3,189.00
+89.93%
1,679.00
Accounts Receivable
300.00
-3.85%
312.00
—
—
Other Receivables
—
2,116.00
-33.65%
3,189.00
+89.93%
1,679.00
Net PPE
477.00
-15.12%
562.00
-13.80%
652.00
+32.79%
491.00
Gross PPE
1,009.00
-10.79%
1,131.00
+73.47%
652.00
+32.79%
491.00
Accumulated Depreciation
-532.00
+6.50%
-569.00
—
—
Other Properties
1,009.00
-10.79%
1,131.00
+73.47%
652.00
+32.79%
491.00
Goodwill And Other Intangible Assets
381.00
-21.93%
488.00
-71.89%
1,736.00
-53.66%
3,746.00
Goodwill
—
—
0.00
-100.00%
2,426.00
Other Intangible Assets
381.00
-21.93%
488.00
-71.89%
1,736.00
+31.52%
1,320.00
Investments And Advances
15,766.00
+51.36%
10,416.00
+13.72%
9,159.00
+6.01%
8,640.00
Total Liabilities Net Minority Interest
79,369.00
-13.72%
91,993.00
-12.96%
105,690.00
+29.97%
81,320.00
Payables And Accrued Expenses
39.00
-23.53%
51.00
—
—
Payables
39.00
-23.53%
51.00
—
—
Accounts Payable
39.00
-23.53%
51.00
—
—
Current Debt And Capital Lease Obligation
4,000.00
+45.45%
2,750.00
-62.59%
7,350.00
-28.81%
10,325.00
Current Debt
4,000.00
+45.45%
2,750.00
-62.59%
7,350.00
-28.81%
10,325.00
Other Current Borrowings
4,000.00
+45.45%
2,750.00
-62.59%
7,350.00
-28.81%
10,325.00
Long Term Debt And Capital Lease Obligation
8,184.00
-29.91%
11,676.00
-45.10%
21,267.00
-0.30%
21,332.00
Long Term Debt
8,184.00
-29.91%
11,676.00
-45.10%
21,267.00
-0.30%
21,332.00
Long Term Capital Lease Obligation
—
—
—
—
Preferred Securities Outside Stock Equity
1.00
+0.00%
1.00
0.00
—
Stockholders Equity
8,143.00
-0.29%
8,167.00
-2.39%
8,367.00
-5.18%
8,824.00
Common Stock Equity
7,640.00
-0.31%
7,664.00
-2.54%
7,864.00
-5.49%
8,321.00
Capital Stock
507.00
+0.00%
507.00
+0.40%
505.00
-0.98%
510.00
Common Stock
4.00
+0.00%
4.00
+100.00%
2.00
-71.43%
7.00
Preferred Stock
503.00
+0.00%
503.00
+0.00%
503.00
+0.00%
503.00
Share Issued
422.93
+0.12%
422.42
+70.29%
248.05
+5.49%
235.14
Ordinary Shares Number
415.98
+0.25%
414.93
+72.39%
240.69
+6.00%
227.07
Treasury Shares Number
6.95
-7.11%
7.48
+1.61%
7.36
-8.77%
8.07
Additional Paid In Capital
9,303.00
+0.23%
9,282.00
+12.70%
8,236.00
+1.30%
8,130.00
Retained Earnings
-988.00
-29.49%
-763.00
-272.23%
443.00
-57.44%
1,041.00
Gains Losses Not Affecting Retained Earnings
-489.00
+23.59%
-640.00
-6.84%
-599.00
+3.39%
-620.00
Treasury Stock
190.00
-13.24%
219.00
+0.46%
218.00
-8.02%
237.00
Other Equity Adjustments
—
47.00
+370.00%
10.00
-80.77%
52.00
Total Equity Gross Minority Interest
8,143.00
-0.29%
8,167.00
-2.39%
8,367.00
-5.18%
8,824.00
Total Capitalization
16,327.00
-17.72%
19,843.00
-33.04%
29,634.00
-1.73%
30,156.00
Invested Capital
19,824.00
-10.26%
22,090.00
-24.17%
29,131.00
-1.76%
29,653.00
Total Debt
12,184.00
-15.54%
14,426.00
-32.17%
21,267.00
-0.30%
21,332.00
Net Debt
6,290.00
—
9,792.00
-49.26%
19,300.00
Capital Lease Obligations
—
—
—
—
Net Tangible Assets
7,762.00
+1.08%
7,679.00
+15.80%
6,631.00
+30.58%
5,078.00
Tangible Book Value
7,259.00
+1.16%
7,176.00
+17.10%
6,128.00
+33.95%
4,575.00
Available For Sale Securities
15,766.00
+112514.29%
14.00
+0.00%
14.00
+0.00%
14.00
Cash Cash Equivalents And Federal Funds Sold
5,894.00
-61.80%
15,430.00
+34.47%
11,475.00
+464.71%
2,032.00
Minimum Pension Liabilities
-22.00
+35.29%
-34.00
-21.43%
-28.00
+39.13%
-46.00
Preferred Shares Number
20.60
+0.00%
20.60
+0.00%
20.60
+0.00%
20.60
Preferred Stock Equity
503.00
+0.00%
503.00
+0.00%
503.00
+0.00%
503.00
Unrealized Gain Loss
-467.00
+28.48%
-653.00
-12.39%
-581.00
+7.19%
-626.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
-181.00
-310.47%
86.00
-67.30%
263.00
-74.37%
1,026.00
Cash Flow From Continuing Operating Activities
-181.00
-310.47%
86.00
-67.30%
263.00
-74.37%
1,026.00
Net Income From Continuing Operations
-177.00
+84.17%
-1,118.00
-1315.19%
-79.00
-112.15%
650.00
Depreciation Amortization Depletion
148.00
-19.57%
184.00
+11.52%
165.00
+617.39%
23.00
Depreciation
—
48.00
+23.08%
39.00
+116.67%
18.00
Amortization Cash Flow
—
136.00
+7.94%
126.00
+2420.00%
5.00
Depreciation And Amortization
148.00
-19.57%
184.00
+11.52%
165.00
+617.39%
23.00
Amortization Of Intangibles
—
136.00
+7.94%
126.00
+2420.00%
5.00
Other Non Cash Items
-250.00
-203.31%
242.00
+112.11%
-1,998.00
-1156.60%
-159.00
Stock Based Compensation
61.00
+12.96%
54.00
+14.89%
47.00
+62.07%
29.00
Asset Impairment Charge
0.00
0.00
-100.00%
2,426.00
0.00
Deferred Tax
-63.00
+84.67%
-411.00
-119.79%
-187.00
-6133.33%
-3.00
Deferred Income Tax
-63.00
+84.67%
-411.00
-119.79%
-187.00
-6133.33%
-3.00
Operating Gains Losses
—
-137.00
-55.68%
-88.00
-1660.00%
-5.00
Gain Loss On Investment Securities
—
0.00
-100.00%
1.00
-50.00%
2.00
Gain Loss On Sale Of PPE
—
-89.00
0.00
+100.00%
-2.00
Change In Working Capital
-84.00
-295.35%
43.00
+104.56%
-944.00
-338.99%
395.00
Change In Other Current Assets
171.00
-39.36%
282.00
+139.11%
-721.00
-307.18%
348.00
Change In Other Current Liabilities
-608.00
+20.94%
-769.00
-201.57%
-255.00
-155.00%
-100.00
Investing Cash Flow
2,687.00
-82.61%
15,453.00
-25.25%
20,673.00
+426.95%
-6,323.00
Cash Flow From Continuing Investing Activities
2,687.00
-82.61%
15,453.00
-25.25%
20,673.00
+426.95%
-6,323.00
Net PPE Purchase And Sale
-67.00
-86.11%
-36.00
+45.45%
-66.00
-2100.00%
-3.00
Purchase Of PPE
—
—
-66.00
-2100.00%
-3.00
Capital Expenditure
-67.00
-86.11%
-36.00
+45.45%
-66.00
-2100.00%
-3.00
Net Investment Purchase And Sale
-5,082.00
-425.00%
-968.00
-552.34%
214.00
+116.69%
-1,282.00
Purchase Of Investment
-7,694.00
-123.66%
-3,440.00
-12.93%
-3,046.00
-35.86%
-2,242.00
Sale Of Investment
2,612.00
+5.66%
2,472.00
-24.17%
3,260.00
+239.58%
960.00
Net Business Purchase And Sale
—
—
24,901.00
+7422.96%
331.00
Gain Loss On Sale Of Business
—
—
-2,131.00
-1240.25%
-159.00
Net Intangibles Purchase And Sale
0.00
-100.00%
1,418.00
+2736.00%
50.00
0.00
Net Other Investing Changes
192.00
-28.09%
267.00
-98.92%
24,806.00
+17246.85%
143.00
Financing Cash Flow
-12,088.00
-4.31%
-11,589.00
-1.58%
-11,409.00
-320.76%
5,168.00
Cash Flow From Continuing Financing Activities
-12,088.00
-4.31%
-11,589.00
-1.58%
-11,409.00
-320.76%
5,168.00
Net Issuance Payments Of Debt
-2,250.00
+67.16%
-6,851.00
-9158.11%
-74.00
+96.17%
-1,931.00
Issuance Of Debt
4,000.00
-85.83%
28,236.00
+42.25%
19,850.00
+109.41%
9,479.00
Repayment Of Debt
-6,500.00
+78.92%
-30,837.00
-59.17%
-19,374.00
-38.78%
-13,960.00
Long Term Debt Issuance
4,000.00
-85.83%
28,236.00
+42.25%
19,850.00
+109.41%
9,479.00
Long Term Debt Payments
-6,500.00
+78.92%
-30,837.00
-59.17%
-19,374.00
-38.78%
-13,960.00
Net Long Term Debt Issuance
-2,500.00
+3.88%
-2,601.00
-646.43%
476.00
+110.62%
-4,481.00
Short Term Debt Issuance
—
—
—
2,550.00
Net Short Term Debt Issuance
250.00
+105.88%
-4,250.00
-672.73%
-550.00
-121.57%
2,550.00
Net Common Stock Issuance
0.00
-100.00%
1,004.00
0.00
+100.00%
-24.00
Common Stock Payments
—
-11.00
+8.33%
-12.00
+50.00%
-24.00
Common Stock Dividend Paid
-15.00
+71.70%
-53.00
+89.09%
-486.00
-53.31%
-317.00
Cash Dividends Paid
-48.00
+45.45%
-88.00
+83.04%
-519.00
-48.29%
-350.00
Repurchase Of Capital Stock
—
-11.00
+8.33%
-12.00
+50.00%
-24.00
Net Other Financing Charges
80.00
+370.59%
17.00
+121.79%
-78.00
+58.73%
-189.00
Changes In Cash
-9,582.00
-342.58%
3,950.00
-58.54%
9,527.00
+7485.27%
-129.00
Beginning Cash Position
15,559.00
+34.03%
11,609.00
+457.59%
2,082.00
-5.83%
2,211.00
End Cash Position
5,977.00
-61.58%
15,559.00
+34.03%
11,609.00
+457.59%
2,082.00
Free Cash Flow
-248.00
-596.00%
50.00
-74.62%
197.00
-80.74%
1,023.00
Interest Paid Supplemental Data
2,865.00
-22.42%
3,693.00
+61.27%
2,290.00
+248.55%
657.00
Income Tax Paid Supplemental Data
—
33.00
-38.89%
54.00
+217.65%
17.00
Common Stock Issuance
0.00
-100.00%
1,004.00
0.00
0.00
Issuance Of Capital Stock
0.00
-100.00%
1,004.00
0.00
0.00
Net Preferred Stock Issuance
—
1.00
0.00
0.00
Preferred Stock Dividend Paid
-33.00
+5.71%
-35.00
-6.06%
-33.00
+0.00%
-33.00
Preferred Stock Issuance
—
1.00
0.00
0.00
Sale Of Business
—
—
24,901.00
+7422.96%
331.00
Sale Of Intangibles
0.00
-100.00%
1,418.00
+2736.00%
50.00
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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