Flagstar Bank, National Association (FLG) Stock Price, News & Analysis

Company Overview

Flagstar Bank, National Association is the principal banking subsidiary of Flagstar Financial, Inc. (NYSE: FLG). The bank provides a range of financial services to consumers, businesses and institutional clients, including deposit accounts, residential and commercial lending, consumer loans, credit products and treasury management services.

Flagstar also has a significant mortgage banking business, offering home purchase and refinancing loans through retail, broker and correspondent channels. Its broader services include commercial real estate finance, middle-market and small-business banking, wealth management, and mortgage servicing.

The institution traces its roots to Flagstar Bancorp, which was founded in Michigan and became known for its mortgage lending operations. In 2022, Flagstar Bancorp was acquired by New York Community Bancorp, and the combined organization adopted the Flagstar name for its banking operations. Flagstar serves customers through branches and lending operations in multiple U.S. markets, with a particularly strong presence in the Northeast and Midwest.

Key Stats

• Today's Range: $11.69 to $11.94
• 50-Day Range: $11.69 to $14.34
• 52-Week Range: $10.57 to $15.44
• Volume: 4.46 million shs
• Average Volume: 4.91 million shs
• Market Capitalization: $4.87 billion
• P/E Ratio: 390.73
• Dividend Yield: 0.34%
• Price Target: $16.63
• Consensus Rating: Moderate Buy

Flagstar Bank, National Association Stock Analysis - MarketRank™

Flagstar Bank, National Association scored higher than 78% of companies evaluated by MarketBeat, and ranked 324th out of 843 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: 4.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Flagstar Bank, National Association has received a consensus rating of Moderate Buy. The company's average rating score is 2.64, and is based on no strong buy ratings, 10 buy ratings, 3 hold ratings, and 1 sell rating.

Upside Potential

Flagstar Bank, National Association has a consensus price target of $16.63, representing about 41.8% upside from its current price of $11.72.

Amount of Analyst Coverage

Flagstar Bank, National Association has been the subject of 10 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 303.23%

Earnings Growth

Earnings for Flagstar Bank, National Association are expected to grow by 303.23% in the coming year, from $0.31 to $1.25 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Flagstar Bank, National Association is 390.73, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 38.90.

Price to Earnings Ratio vs. Sector

The P/E ratio of Flagstar Bank, National Association is 390.73, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 24.49.

Price to Book Value per Share Ratio

Flagstar Bank, National Association has a P/B Ratio of 0.64. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 0.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

12.20% of the float of Flagstar Bank, National Association has been sold short.

Short Interest Ratio / Days to Cover

Flagstar Bank, National Association has a short interest ratio ("days to cover") of 10.02, which indicates bearish sentiment.

Change versus previous month

Short interest in Flagstar Bank, National Association has recently increased by 5.90%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

Flagstar Bank, National Association has a dividend yield of 0.34%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

Flagstar Bank, National Association does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Flagstar Bank, National Association is 133.33%. Payout ratios above 75% are not desirable because they may not be sustainable.

Dividend Sustainability

Based on earnings estimates, Flagstar Bank, National Association will have a dividend payout ratio of 3.20% next year. This indicates that Flagstar Bank, National Association will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.4 / 5
• News Sentiment: -0.20

News Sentiment

Flagstar Bank, National Association has a news sentiment score of -0.20. 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 0.64 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 9 news articles for Flagstar Bank, National Association this week, compared to 3 articles on an average week.

Search Interest

10 people have searched for FLG on MarketBeat in the last 30 days. This is an increase of 25% compared to the previous 30 days.

MarketBeat Follows

3 people have added Flagstar Bank, National Association to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.4 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

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

Percentage Held by Insiders

21.42% of the stock of Flagstar Bank, National Association is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

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

Company Calendar

• Last Earnings: 7/24/2026
• Ex-Dividend for 9/17 Dividend: 9/04/2026
• Record date for 9/17 Dividend: 9/07/2026
• Dividend Payable: 9/17/2026
• Today: 10/02/2026
• Next Earnings (Estimated): 10/23/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NYSE:FLG
• Previous Symbol: NYSE:FLG
• CIK: 910073
• Web: www.flagstar.com
• Phone: (516) 683-4100
• Fax: 516-683-8385
• Employees: 5,631
• Year Founded: 1993

Price Target and Rating

• Average Price Target for Flagstar Bank, National Association: $16.63
• High Price Target: $18.00
• Low Price Target: $14.00
• Potential Upside/Downside: +41.8%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.64
• Research Coverage: 14 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.03
• Trailing P/E Ratio: 390.73
• Forward P/E Ratio: 37.81
• P/E Growth: N/A
• Net Income: -$177 million
• Net Margins: 1.08%
• Pretax Margin: 1.89%
• Return on Equity: 0.98%
• Return on Assets: 0.08%

Debt

• Debt-to-Equity Ratio: 1.43
• Current Ratio: 0.90
• Quick Ratio: 0.90

Sales & Book Value

• Annual Sales: $4.81 billion
• Price / Sales: 1.01
• Cash Flow: $0.07 per share
• Price / Cash Flow: 179.70
• Book Value: $18.38 per share
• Price / Book: 0.64

Miscellaneous

• Outstanding Shares: 415,090,000
• Free Float: 326,180,000
• Market Cap: $4.87 billion
• Optionable: N/A
• Beta: 1.05