Flagstar Financial, Inc. (FLG)

US — Financial Services Sector
Peers: GBCI  IFS  AUB  HWC  AX  ABCB  AVAL  UBSI  OZK  FFIN 

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Key Metrics & Ratings

  • symbol FLG
  • Rev/Share 10.4836
  • Book/Share 19.5339
  • PB 0.5489
  • Debt/Equity 1.6258
  • CurrentRatio 0.123
  • ROIC 0.007

 

  • MktCap 4456799811.0
  • FreeCF/Share -1.5562
  • PFCF -6.8991
  • PE -11.2948
  • Debt/Assets 0.1438
  • DivYield 0.0037
  • ROE -0.0485

 

  • Rating C+
  • Score 2
  • Recommendation Sell
  • P/E Score 1
  • DCF Score 5
  • P/B Score 4
  • D/E Score 1

Recent Analyst Ratings

Type Ticker Analyst Firm Previous Rating Current Rating Previous Price Target Current Price Target Date
Initiation FLG TD Cowen -- Hold -- $14 Sept. 25, 2025
Initiation FLG Cantor Fitzgerald -- Overweight -- $15 Sept. 10, 2025
Initiation FLG Jefferies -- Buy -- $15 May 21, 2025
Initiation FLG Truist -- Hold -- $13 May 13, 2025
Upgrade FLG Citigroup Neutral Buy -- $15 April 4, 2025
Upgrade FLG DA Davidson Neutral Buy $12 $14.5 Jan. 31, 2025
Resumed FLG UBS -- Neutral -- -- Dec. 17, 2024

News

FLAGSTAR BANK, N.A. DECLARES QUARTERLY CASH DIVIDENDS ON ITS COMMON STOCK AND PREFERRED STOCKS
FLG
Published: October 29, 2025 by: PRNewsWire
Sentiment: Neutral

HICKSVILLE, N.Y. , Oct. 29, 2025 /PRNewswire/ -- Flagstar Bank, N.A.

Read More
image for news FLAGSTAR BANK, N.A. DECLARES QUARTERLY CASH DIVIDENDS ON ITS COMMON STOCK AND PREFERRED STOCKS
Flagstar Financial Reports Q3 Loss, NII & Fee Income Decline Y/Y (Revised)
FLG
Published: October 29, 2025 by: Zacks Investment Research
Sentiment: Negative

FLG reports a Q3 loss as declines in net interest and fee income outweigh cost reductions and stronger capital.

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image for news Flagstar Financial Reports Q3 Loss, NII & Fee Income Decline Y/Y (Revised)
Flagstar Bank: The Specter Of A NYC Rent Freeze
FLG
Published: October 29, 2025 by: Seeking Alpha
Sentiment: Neutral

Flagstar Bank had a $15.8 billion exposure to NYC multifamily properties as of the end of its fiscal 2025 third quarter. Rent-regulated properties formed over 50% of NYC multifamily properties. The bank faces possible near-term headwinds from a floated freeze on rents on rent-stabilized apartments across the five boroughs. CRE exposure is being diversified away into C&I loan growth as FLG chases profitability.

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image for news Flagstar Bank: The Specter Of A NYC Rent Freeze
Flagstar Financial Q3 Loss Widens as NII & Fee Income Decline Y/Y
FLG
Published: October 27, 2025 by: Zacks Investment Research
Sentiment: Negative

FLG posts a wider Q3 loss as lower net interest and fee income offset expense reductions and capital gains.

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image for news Flagstar Financial Q3 Loss Widens as NII & Fee Income Decline Y/Y
Flagstar Bank: Transformation Offers Nice Upside
FLG
Published: October 24, 2025 by: Seeking Alpha
Sentiment: Positive

Flagstar Bank, National Association delivered a solid Q3 2025, with revenue exceeding forecasts and management executing a significant turnaround strategy. FLG is reducing commercial real estate exposure, cutting costs, and growing commercial and mortgage banking, leading to improved profitability and lower credit loss provisions. Despite ongoing asset quality concerns and negative returns, management projects a strong rebound in net interest margin and earnings per share over the next two years.

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image for news Flagstar Bank: Transformation Offers Nice Upside
Flagstar Bank, National Association (FLG) Q3 2025 Earnings Call Transcript
FLG
Published: October 24, 2025 by: Seeking Alpha
Sentiment: Neutral

Flagstar Bank, National Association (NYSE:FLG ) Q3 2025 Earnings Call October 24, 2025 8:00 AM EDT Company Participants Salvatore DiMartino - First Senior VP & Director of Investor Relations Joseph Otting - President, CEO & Executive Chairman Lee Smith - Senior Executive VP & CFO Conference Call Participants Manan Gosalia - Morgan Stanley, Research Division David Rochester - Cantor Fitzgerald & Co., Research Division Ebrahim Poonawala - BofA Securities, Research Division Jared David Shaw - Barclays Bank PLC, Research Division Mark Fitzgibbon - Piper Sandler & Co., Research Division Bernard Von Gizycki - Deutsche Bank AG, Research Division David Chiaverini …

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image for news Flagstar Bank, National Association (FLG) Q3 2025 Earnings Call Transcript
Here's What Key Metrics Tell Us About Flagstar Bank (FLG) Q3 Earnings
FLG
Published: October 24, 2025 by: Zacks Investment Research
Sentiment: Positive

Although the revenue and EPS for Flagstar Bank (FLG) give a sense of how its business performed in the quarter ended September 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

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image for news Here's What Key Metrics Tell Us About Flagstar Bank (FLG) Q3 Earnings
Flagstar Financial (FLG) Expected to Beat Earnings Estimates: Can the Stock Move Higher?
FLG
Published: October 17, 2025 by: Zacks Investment Research
Sentiment: Positive

Flagstar Financial (FLG) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

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image for news Flagstar Financial (FLG) Expected to Beat Earnings Estimates: Can the Stock Move Higher?
FLAGSTAR FINANCIAL, INC. TO REPORT THIRD QUARTER 2025 EARNINGS AND HOST CONFERENCE CALL ON OCTOBER 24TH
FLG
Published: October 03, 2025 by: PRNewsWire
Sentiment: Neutral

HICKSVILLE, N.Y. , Oct. 3, 2025 /PRNewswire/ -- Flagstar Financial, Inc. (NYSE: FLG) (the "Company") today announced that it plans to issue results for the three and nine months ended September 30, 2025 at approximately 6:00 a.m.

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image for news FLAGSTAR FINANCIAL, INC. TO REPORT THIRD QUARTER 2025 EARNINGS AND HOST CONFERENCE CALL ON OCTOBER 24TH
FLAGSTAR FINANCIAL, INC. ANNOUNCES OCTOBER 15TH DATE FOR ITS SPECIAL MEETING OF SHAREHOLDERS
FLG
Published: August 26, 2025 by: PRNewsWire
Sentiment: Neutral

HICKSVILLE, N.Y. , Aug. 26, 2025 /PRNewswire/ -- Flagstar Financial, Inc. (NYSE: FLG) (the "Company") announced that Wednesday, October 15 th, has been established as the date of its Special Meeting of Shareholders (the "Special Meeting").

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image for news FLAGSTAR FINANCIAL, INC. ANNOUNCES OCTOBER 15TH DATE FOR ITS SPECIAL MEETING OF SHAREHOLDERS
Flagstar Financial: Gambling Vs. Investing
FLG
Published: August 08, 2025 by: Seeking Alpha
Sentiment: Positive

Flagstar Financial is undergoing major restructuring, including a merger with its bank subsidiary to streamline operations and regulatory oversight by Q4 2025. Recent capital raises and reductions in risky CRE exposure have improved capital ratios, but profitability remains elusive with negative ROA. Leadership changes and rebranding signal a strategic shift, aiming for a return to profitability by late 2025 despite recent losses and dividend cuts.

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image for news Flagstar Financial: Gambling Vs. Investing
Flagstar Financial Q2 Loss Wider Than Expected, Revenues Fall Y/Y
FLG
Published: July 28, 2025 by: Zacks Investment Research
Sentiment: Negative

FLG posts a wider-than-expected Q2 loss as revenue, NII, and deposits fall sharply year over year.

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image for news Flagstar Financial Q2 Loss Wider Than Expected, Revenues Fall Y/Y
Flagstar Financial, Inc. (FLG) Q2 2025 Earnings Call Transcript
FLG
Published: July 25, 2025 by: Seeking Alpha
Sentiment: Neutral

Flagstar Financial, Inc. (NYSE:FLG ) Q2 2025 Earnings Conference Call July 25, 2025 8:00 AM ET Company Participants Bao Nguyen - Corporate Participant Senior EVP, General Counsel & Chief of Staff - Corporate Participant Joseph M. Otting - President, CEO & Executive Chairman Lee Matthew Smith - Senior Executive VP & CFO Conference Call Participants Bernard Von Gizycki - Deutsche Bank AG, Research Division Casey Haire - Autonomous Research Christopher Edward McGratty - Keefe, Bruyette, & Woods, Inc., Research Division Christopher William Marinac - Janney Montgomery Scott LLC, Research Division David Charles Smith - Truist Securities, Inc., Research Division Ebrahim …

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image for news Flagstar Financial, Inc. (FLG) Q2 2025 Earnings Call Transcript
Flagstar Financial (FLG) Expected to Beat Earnings Estimates: What to Know Ahead of Q2 Release
FLG
Published: July 18, 2025 by: Zacks Investment Research
Sentiment: Positive

Flagstar Financial (FLG) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Read More
image for news Flagstar Financial (FLG) Expected to Beat Earnings Estimates: What to Know Ahead of Q2 Release
FLAGSTAR FINANCIAL, INC. ANNOUNCES PRELIMINARY RESULTS OF 2025 ANNUAL SHAREHOLDERS' MEETING
FLG
Published: June 04, 2025 by: PRNewsWire
Sentiment: Neutral

HICKSVILLE, N.Y. , June 4, 2025 /PRNewswire/ -- Flagstar Financial, Inc. (NYSE: FLG) (the "Company") announced today that, based on preliminary voting results from the 2025 Annual Shareholders' Meeting held earlier today, all three proposals passed with a strong majority of votes for each one.

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image for news FLAGSTAR FINANCIAL, INC. ANNOUNCES PRELIMINARY RESULTS OF 2025 ANNUAL SHAREHOLDERS' MEETING
Flagstar Financial Q1 Loss Narrower Than Expected, Revenues Dip Y/Y
FLG
Published: April 28, 2025 by: Zacks Investment Research
Sentiment: Negative

FLG's first-quarter 2025 results are affected by a decline in NII. Lower loan and deposit balances act as headwinds.

Read More
image for news Flagstar Financial Q1 Loss Narrower Than Expected, Revenues Dip Y/Y
Flagstar Financial (FLG) Expected to Beat Earnings Estimates: Should You Buy?
FLG
Published: April 18, 2025 by: Zacks Investment Research
Sentiment: Positive

Flagstar Financial (FLG) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Read More
image for news Flagstar Financial (FLG) Expected to Beat Earnings Estimates: Should You Buy?
FLAGSTAR FINANCIAL, INC. ANNOUNCES JUNE 4TH DATE FOR ITS 2025 ANNUAL MEETING OF SHAREHOLDERS
FLG
Published: February 24, 2025 by: PRNewsWire
Sentiment: Neutral

HICKSVILLE, N.Y. , Feb. 24, 2025 /PRNewswire/ -- Flagstar Financial, Inc. (NYSE: FLG) (the "Company") today announced that Wednesday, June 4th, has been established as the date of its 2025 Annual Meeting of Shareholders.

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image for news FLAGSTAR FINANCIAL, INC. ANNOUNCES JUNE 4TH DATE FOR ITS 2025 ANNUAL MEETING OF SHAREHOLDERS

About Flagstar Financial, Inc. (FLG)

  • IPO Date 1993-11-23
  • Website https://www.flagstar.com
  • Industry Banks - Regional
  • CEO Joseph M. Otting
  • Employees 6993

Flagstar Financial, Inc. operates as the bank holding company for Flagstar Bank, N.A. that provides banking products and services in the United States. The company's deposit products include interest-bearing checking and money market, savings, non-interest-bearing, and retirement accounts, as well as certificates of deposit. Its loan products comprise 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 other loans, such as home equity lines of credit, boat and recreational vehicle indirect lending, point of sale consumer loans, and other consumer loans, including overdraft loans. The company offers cash management products; non-deposit investment and insurance products; and online banking, mobile banking, and bank-by-phone services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as New York Community Bancorp, Inc. and changed its name to Flagstar Financial, Inc. in October 2024. Flagstar Financial, Inc. was founded in 1859 and is headquartered in Hicksville, New York.