Flagstar Financial (FLG) Stock Price, News & Analysis

Company Overview

Flagstar Financial (NYSE:FLG) is a Detroit‐area–based bank holding company principally engaged in residential mortgage origination and servicing, commercial banking, and deposit services. Operating through its wholly owned subsidiary, Flagstar Bank, the company provides a suite of mortgage products across retail, wholesale and correspondent channels, as well as warehouse lending to mortgage bankers. In addition, Flagstar offers traditional community banking services, including checking and savings accounts, business loans and treasury management solutions.

Founded in 1987 in Michigan, Flagstar has grown from a single‐state lender into one of the nation’s leading nonbank mortgage originators and servicers. Over the years, the company expanded its footprint through strategic acquisitions and investments in digital platforms, broadening its reach into markets across the United States. In 2022, Flagstar became a subsidiary of New York Community Bancorp, strengthening its capital base and community banking capabilities while retaining its brand identity and operational independence.

Flagstar’s residential lending business encompasses purchase and refinance mortgages, affordable housing loans, and government‐insured programs backed by agencies such as the Federal Housing Administration and the Department of Veterans Affairs. Its servicing portfolio includes both in‐house and third‐party servicing, supported by advanced loan administration systems. On the commercial side, the company extends credit to small‐ and middle‐market businesses and offers online and mobile banking platforms for personal and commercial customers.

Headquartered in Troy, Michigan, Flagstar serves clients nationwide through a combination of branch offices and digital channels. The company’s senior leadership team, led by President and Chief Executive Officer Glenn A. Montgomery, comprises experienced professionals in banking, mortgage finance and risk management. Flagstar maintains a community focus, investing in financial literacy programs and affordable housing initiatives in the regions it serves.

Key Stats

• Today's Range: $11.22 to $11.43
• 50-Day Range: $10.64 to $12.64
• 52-Week Range: $8.56 to $13.35
• Volume: 3.86 million shs
• Average Volume: 7.05 million shs
• Market Capitalization: $4.68 billion
• P/E Ratio: N/A
• Dividend Yield: 0.35%
• Price Target: $13.22
• Consensus Rating: Hold

Flagstar Financial Stock Analysis - MarketRank™

Flagstar Financial scored higher than 54% of companies evaluated by MarketBeat, and ranked 529th out of 933 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.2 / 5
• Analyst Rating: Hold

Consensus Rating

Flagstar Financial has received a consensus rating of Hold. The company's average rating score is 2.44, and is based on 4 buy ratings, 5 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Flagstar Financial has been the subject of 6 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: Growing

Earnings Growth

Earnings for Flagstar Financial are expected to grow in the coming year, from ($0.31) to $0.64 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Flagstar Financial is -4.34, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of Flagstar Financial is -4.34, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

Flagstar Financial has a P/B Ratio of 0.61. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: N/A
• Short Interest Level: N/A

Short Interest

There is no current short interest data available for FLG.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

Flagstar Financial has a dividend yield of 0.35%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

Flagstar Financial does not have a long track record of dividend growth.

Dividend Sustainability

Based on earnings estimates, Flagstar Financial will have a dividend payout ratio of 6.25% next year. This indicates that Flagstar Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Short Interest

There is no current short interest data available for FLG.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: 0.13

News Sentiment

Flagstar Financial has a news sentiment score of 0.13. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.95 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 11 news articles for Flagstar Financial this week, compared to 4 articles on an average week.

Search Interest

Only 3 people have searched for FLG on MarketBeat in the last 30 days. This is a decrease of -67% compared to the previous 30 days.

MarketBeat Follows

3 people have added Flagstar Financial to their MarketBeat watchlist in the last 30 days. This is an increase of 50% compared to the previous 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Flagstar Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 6.38% of the stock of Flagstar Financial is held by insiders.

Percentage Held by Institutions

67.88% of the stock of Flagstar Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

FLG Stock Analysis - Frequently Asked Questions

How have FLG shares performed this year?

Flagstar Financial's stock was trading at $9.33 on January 1st, 2025. Since then, FLG shares have increased by 20.9% and is now trading at $11.28.

How were Flagstar Financial's earnings last quarter?

Flagstar Financial, Inc. (NYSE:FLG) issued its quarterly earnings results on Friday, April, 25th. The company reported ($0.23) EPS for the quarter, beating the consensus estimate of ($0.26) by $0.03. The company's revenue for the quarter was down 22.6% compared to the same quarter last year.
Read the conference call transcript.

Who are Flagstar Financial's major shareholders?

Top institutional investors of Flagstar Financial include Mirador Capital Partners LP (0.02%), Balefire LLC (0.01%), Investors Research Corp (0.01%) and SeaCrest Wealth Management LLC.

How do I buy shares of Flagstar Financial?

Shares of FLG stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

Company Calendar

• Last Earnings: 4/25/2025
• Ex-Dividend for 6/17 Dividend: 6/06/2025
• Record date for 6/17 Dividend: 6/07/2025
• Dividend Payable: 6/17/2025
• Today: 7/13/2025
• Next Earnings (Estimated): 7/24/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NYSE:FLG
• Previous Symbol: NYSE:FLG
• CIK: 910073
• Web: N/A
• Phone: (516) 683-4100
• Fax: 516-683-8385
• Employees: 6,993
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Flagstar Financial: $13.22
• High Price Target: $15.50
• Low Price Target: $11.50
• Potential Upside/Downside: +17.2%
• Consensus Rating: Hold
• Rating Score (0-4): 2.44
• Research Coverage: 9 Analysts

Profitability

• EPS (Trailing Twelve Months): ($2.60)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: -$1.12 billion
• Net Margins: -14.21%
• Pretax Margin: -18.40%
• Return on Equity: -9.68%
• Return on Assets: -0.70%

Debt

• Debt-to-Equity Ratio: 1.85
• Current Ratio: 1.06
• Quick Ratio: 1.06

Sales & Book Value

• Annual Sales: $2.32 billion
• Price / Sales: 2.02
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: $18.46 per share
• Price / Book: 0.61

Miscellaneous

• Outstanding Shares: 415,080,000
• Free Float: 334,762,000
• Market Cap: $4.68 billion
• Optionable: N/A
• Beta: 1.10