FLG

Flagstar Bank NA

10.38

Oct 23 • 3:59 PM ET -1.06 (-9.27%)

10.48

Aftermarket • 7:56 PM ET +0.10 (0.96%)

Financial Banks - Regional USA Mid NYSE

Oct 23, 11:38 AMFlagstar cuts 2026–27 EPS and asset-growth guidance, pushes peer-like profitability to 2028 amid rate and credit headwinds

Peers: VLY DCOM BKU PFS WAL ZION FNB EBC MTB OCFC

| Held by: IJH VTI IWM VB VBR VXF KRE DFAS IWN MDY

Scroll to Statements

Index	RUT
Market Cap	4.31B
Enterprise Value	-
Income	63.00M
Sales	4.32B
Book/sh	17.82
Cash/sh	-
Dividend Est.	0.04 (0.39%)
Dividend TTM	0.04 (0.39%)
Dividend Ex-Date	Sep 04, 2026
Dividend Gr. 3/5Y	-73.03% -54.45%
Payout	-
Employees	5631
IPO	Nov 23, 1993

P/E	74.95
Forward P/E	9.57
PEG	-
P/S	1.00
P/B	0.58
P/C	-
P/FCF	-
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	0.13
Debt/Eq	1.43
LT Debt/Eq	1.43
Option/Short	Yes / Yes

EPS (ttm)	0.14
EPS next Y	1.08
EPS next Q	0.11
EPS this Y	150.50%
EPS next Y	329.50%
EPS next 5Y	-
EPS past 3/5Y	- -
Sales past 3/5Y	27.24% 22.25%
EPS Y/Y TTM	114.72%
Sales Y/Y TTM	-17.54%
EPS Q/Q	109.23%
Sales Q/Q	-9.46%
Earnings	Oct 23 BMO
EPS/Sales Surpr.	-86.15% -2.77%

Insider Own	27.73%
Insider Trans	0.00%
Inst Own	61.94%
Inst Trans	-6.05%
ROA	0.11%
ROE	1.22%
ROIC	0.52%
Gross Margin	-
Oper. Margin	3.05%
Profit Margin	1.46%
SMA20	-8.53%
SMA50	-16.69%
SMA200	-23.15%
Trades

Shs Outstand	400.64M
Shs Float	299.98M
Short Float	15.70%
Short Ratio	9.37
Short Interest	47.11M
52W High	15.44 -32.77%
52W Low	10.57 -1.80%
Volatility	3.65% 2.69%
ATR (14)	0.35
RSI (14)	25.30
Beta	1.09
Rel Volume	4.82
Avg Volume	5.03M
Volume	24,247,166

Perf Week	-6.32%
Perf Month	-16.22%
Perf Quarter	-24.56%
Perf Half Y	-26.02%
Perf YTD	-17.55%
Perf Year	-10.21%
Perf 3Y	-65.74%
Perf 5Y	-75.34%
Perf 10Y	-75.27%
Recom	1.79
Target Price	14.64
Prev Close	11.44
Price	10.38
Change %	-9.27%

Date	Action	Analyst	Rating Change	Price Target Change
Sep-08-26	Upgrade	Morgan Stanley	Equal-Weight → Overweight	$17
Sep-02-26	Resumed	Raymond James	Mkt Perform
Jul-07-26	Resumed	UBS	Buy	$18
Jul-06-26	Upgrade	TD Cowen	Hold → Buy	$18
Apr-07-26	Upgrade	Truist	Hold → Buy	$17
Mar-16-26	Resumed	Piper Sandler	Overweight	$16
Mar-13-26	Upgrade	Keefe Bruyette	Mkt Perform → Outperform	$16
Sep-25-25	Initiated	TD Cowen	Hold	$14
Sep-10-25	Initiated	Cantor Fitzgerald	Overweight	$15
May-21-25	Initiated	Jefferies	Buy	$15
May-13-25	Initiated	Truist	Hold	$13
Apr-04-25	Upgrade	Citigroup	Neutral → Buy	$15
Jan-31-25	Upgrade	DA Davidson	Neutral → Buy	$12 → $14.50
Dec-17-24	Resumed	UBS	Neutral
Sep-26-24	Upgrade	Barclays	Equal Weight → Overweight	$14
May-01-24	Upgrade	Wedbush	Underperform → Neutral	$3 → $3.50
May-01-24	Upgrade	Piper Sandler	Neutral → Overweight	$4
Mar-18-24	Downgrade	Raymond James	Mkt Perform → Underperform	$3
Mar-08-24	Initiated	Barclays	Equal Weight	$4
Mar-01-24	Downgrade	Piper Sandler	Overweight → Neutral	$8 → $5

Show Previous Ratings

Oct-23-26 02:45PM	Blaming rates, Flagstar says turnaround will take more time (American Banker) -9.27%
11:04AM	Flagstar Misses As Third Straight Guidance Cut Pushes Its Turnaround Into 2028 (Earnings Whispers)
06:39AM	Flagstar Bank stock falls 5% on third quarter earnings, revenue miss (Investing.com)
06:05AM	Flagstar Bank: Q3 Earnings Snapshot (Associated Press)
06:00AM	FLAGSTAR BANK REPORTS THIRD QUARTER 2026 NET INCOME ATTRIBUTABLE TO COMMON STOCKHOLDERS OF $0.01 PER DILUTED SHARE (PR Newswire)
08:30AM	Loading…
Oct-09-26 08:30AM	FLAGSTAR BANK, N.A. TO REPORT THIRD QUARTER 2026 EARNINGS AND HOST CONFERENCE CALL ON OCTOBER 23RD (PR Newswire)
Sep-08-26 08:30AM	FLAGSTAR BANK, N.A. TO PARTICIPATE AT THE BARCLAYS 24TH ANNUAL GLOBAL FINANCIAL SERVICES CONFERENCE (PR Newswire)
Aug-06-26 02:07PM	Flagstar Bank data breach settlement: Find out if you qualify for up to $25,000 (Yahoo Personal Finance)
Aug-05-26 02:52PM	Customers could get up to $25K in Flagstar Bank settlement (USA TODAY)
08:30AM	FLAGSTAR PRIVATE BANK ANNOUNCES FULL IMPLEMENTATION OF OPERATING MODEL, EXPANDED LEADERSHIP, AND NEW CLIENT CAPABILITIES (PR Newswire)
Jul-27-26 08:30AM	FLAGSTAR BANK, N.A. DECLARES QUARTERLY CASH DIVIDENDS ON ITS COMMON STOCK AND PREFERRED STOCKS (PR Newswire)
Jul-24-26 03:00PM	Flagstar Bank NA (FLG) Q2 2026 Earnings Call Highlights: Profitability Streak Continues Amid ... (GuruFocus.com) -5.85%
06:45AM	Flagstar Bank shares slip after second-quarter earnings and revenue miss expectations (InvestorsHub)
06:13AM	Flagstar Bank: Q2 Earnings Snapshot (Associated Press)
06:05AM	FLAGSTAR BANK REPORTS SECOND QUARTER 2026 NET INCOME ATTRIBUTABLE TO COMMON STOCKHOLDERS OF $0.06 PER DILUTED SHARE AND ADJUSTED NET INCOME ATTRIBUTABLE TO COMMON STOCKHOLDERS OF $0.05 PER DILUTED SHARE (PR Newswire)
06:00AM	Loading…
06:00AM	FLAGSTAR BANK, N.A. ANNOUNCES $250 MILLION SHARE REPURCHASE PROGRAM (PR Newswire)
Jul-08-26 08:30AM	FLAGSTAR BANK, N.A. TO REPORT SECOND QUARTER 2026 EARNINGS AND HOST CONFERENCE CALL ON JULY 24TH (PR Newswire)
Jun-22-26 06:46AM	Flagstar CIO: Proprietary tech creates optionality (Banking Dive)
Jun-15-26 08:30AM	FLAGSTAR BANK ANNOUNCES PROPRIETARY TECHNOLOGY TRANSFORMATION (PR Newswire)
Jun-09-26 03:00PM	FLAGSTAR BANK, N.A. ANNOUNCES PRELIMINARY RESULTS OF 2026 ANNUAL SHAREHOLDERS' MEETING (PR Newswire)
Jun-03-26 08:30AM	FLAGSTAR BANK, N.A. TO PARTICIPATE AT THE MORGAN STANLEY U.S. FINANCIALS CONFERENCE (PR Newswire)
May-18-26 04:30PM	FLAGSTAR BANK EXTENDS JOSEPH OTTING'S TERM AS CEO AND ANNOUNCES EXECUTIVE LEADERSHIP UPDATES (PR Newswire)
Apr-28-26 08:30AM	FLAGSTAR BANK, N.A. TO PARTICIPATE AT THE BARCLAYS 18TH ANNUAL AMERICAS SELECT CONFERENCE (PR Newswire)
Apr-27-26 08:30AM	FLAGSTAR BANK, N.A. DECLARES QUARTERLY CASH DIVIDENDS ON ITS COMMON STOCK AND PREFERRED STOCKS (PR Newswire)
Apr-25-26 03:02AM	Flagstar Bank NA (FLG) Q1 2026 Earnings Call Highlights: Strong Loan Growth and Capital ... (GuruFocus.com)
Apr-24-26 07:19AM	Flagstar Financial Shares Slide After Revenue Miss Despite Earnings Beat (InvestorsHub)
06:00AM	FLAGSTAR BANK POSTS SECOND CONSECUTIVE QUARTER OF PROFITABILITY REPORTING FIRST QUARTER 2026 NET INCOME ATTRIBUTABLE TO COMMON STOCKHOLDERS OF $0.03 PER DILUTED SHARE AND ADJUSTED NET INCOME ATTRIBUTABLE TO COMMON STOCKHOLDERS OF $0.04 PER DILUTED SHARE (PR Newswire)
Apr-20-26 08:30AM	Flagstar Bank Opens Newest Private Client Office in San Francisco (PR Newswire)
Apr-13-26 08:30AM	FLAGSTAR BANK, N.A. TO REPORT FIRST QUARTER 2026 EARNINGS AND HOST CONFERENCE CALL ON APRIL 24TH (PR Newswire)
Apr-02-26 06:00AM	MOODY'S RATINGS UPGRADES FLAGSTAR BANK, N.A. CREDIT RATINGS - OUTLOOK REMAINS POSITIVE (PR Newswire)
04:30PM	Loading…
Apr-01-26 04:30PM	FLAGSTAR BANK, N.A. APPOINTS ELI MILLER TO BOARD OF DIRECTORS (PR Newswire)
Mar-30-26 02:17PM	Mphasis and Flagstar Bank Mark Major Milestone by Completing First Phase of Modernizing the Bank's Technology Infrastructure (PR Newswire)
Mar-16-26 08:30AM	FLAGSTAR BANK, N.A. EXPANDS TECHNOLOGY LEADERSHIP TEAM ACCELERATING THE BANK'S TECHNOLOGY ARCHITECTURE (PR Newswire)
Mar-10-26 08:56AM	What Makes Flagstar Bank, National Association (FLG) a Good Investment? (Insider Monkey)
08:30AM	FLAGSTAR BANK RECOGNIZED FOR ITS COMMITMENT TO SERVING MIDDLE MARKET CUSTOMERS (PR Newswire)
Mar-05-26 12:29PM	Flagstar Bank's IDR Upgraded to 'BB+' by Fitch, Outlook Remains Stable (Zacks)
Mar-04-26 08:30AM	FLAGSTAR BANK, N.A. TO PARTICIPATE AT THE RBC CAPITAL MARKETS 2026 GLOBAL FINANCIAL INSTITUTIONS CONFERENCE (PR Newswire)
Mar-03-26 11:06PM	3 Reasons to Avoid FLG and 1 Stock to Buy Instead (StockStory)
04:23PM	FLAGSTAR BANK, N.A. CREDIT RATINGS UPGRADED BY FITCH (PR Newswire)
08:17AM	Flagstar Financial price target raised to $16 from $14 at Morgan Stanley (TipRanks)
Feb-27-26 05:06PM	FLAGSTAR BANK, N.A. ANNOUNCES JUNE 9TH DATE FOR ITS 2026 ANNUAL MEETING OF SHAREHOLDERS (PR Newswire) -6.35%
Feb-19-26 09:24AM	Flagstar (FLG) Sheds 4% on Profit-Taking (Insider Monkey)
Feb-12-26 08:30AM	FLAGSTAR BANK, N.A. DECLARES QUARTERLY CASH DIVIDENDS ON ITS COMMON STOCK AND PREFERRED STOCKS (PR Newswire)
Feb-09-26 10:08AM	Does Flagstar Bank, National Association (FLG) Have a Compelling Valuation? (Insider Monkey)
Feb-03-26 08:51PM	Flagstar Bank, National Association (FLG): A Bull Case Theory (Insider Monkey)
08:30AM	FLAGSTAR BANK, N.A. TO PARTICIPATE AT THE BANK OF AMERICA SECURITIES 2026 FINANCIAL SERVICES CONFERENCE (PR Newswire)
Feb-02-26 01:05PM	Flagstar Financial Q4 Earnings Beat, NII Rises Y/Y, Expenses Fall (Zacks)
Jan-30-26 05:10PM	Flagstar Bank, National Association Q4 Earnings Call Highlights (MarketBeat)
09:30AM	Flagstar Bank (FLG) Reports Q4 Earnings: What Key Metrics Have to Say (Zacks)
07:10AM	Flagstar Bank (FLG) Q4 Earnings and Revenues Beat Estimates (Zacks)
06:19AM	Flagstar Financial's (NYSE:FLG) Q4 CY2025: Strong Sales (StockStory)
06:00AM	FLAGSTAR BANK RETURNS TO PROFITABILITY IN FOURTH QUARTER 2025 REPORTING NET INCOME ATTRIBUTABLE TO COMMON STOCKHOLDERS OF $0.05 PER DILUTED SHARE AND ADJUSTED NET INCOME ATTRIBUTABLE TO COMMON STOCKHOLDERS OF $0.06 PER DILUTED SHARE (PR Newswire)
Jan-29-26 06:00PM	Seacoast Banking (SBCF) Q4 Earnings Lag Estimates (Zacks)
12:00PM	Cognizant and Flagstar Bank, N.A. Mark One-Year Partnership, Advancing Flagstar's Transformation, Enhancing Client Experience and Driving Efficiency (PR Newswire)
Jan-28-26 10:01PM	Flagstar Financial (FLG) Q4 Earnings: What To Expect (StockStory)
06:20PM	Origin Bancorp (OBK) Beats Q4 Earnings and Revenue Estimates (Zacks)
Jan-26-26 08:30AM	Flagstar Bank Opens Private Client Office on Park Avenue in New York City (PR Newswire)
Jan-24-26 06:50PM	3 Bank Stocks Set to Rebound in 2026 (Motley Fool)
Jan-23-26 10:00AM	Flagstar Bank (FLG) Earnings Expected to Grow: What to Know Ahead of Next Week's Release (Zacks)
Jan-22-26 08:10AM	Cadence (CADE) Tops Q4 Earnings and Revenue Estimates (Zacks)
Jan-14-26 12:45PM	Big Bank stocks sell off on earnings: A look at smaller banks (Yahoo Finance Video)
08:30AM	FLAGSTAR BANK, N.A. TO REPORT FOURTH QUARTER 2025 EARNINGS AND HOST CONFERENCE CALL ON JANUARY 30TH (PR Newswire)
Jan-08-26 04:41PM	Mamdani Loses First Rent-Control Battle. This Stock Jumped. (Barrons.com)
03:42PM	Mamdani Loses Bid to Delay Rent-Control Auction. Flagstar Bank Stock Jumps. (Barrons.com)
Jan-05-26 10:37PM	Q3 Earnings Outperformers: Flagstar Financial (NYSE:FLG) And The Rest Of The Thrifts & Mortgage Finance Stocks (StockStory)
Dec-30-25 11:14AM	Why 2026 could be a banner year for regional-bank stocks (MarketWatch)
Dec-09-25 08:30AM	FLAGSTAR PRIVATE BANK EXPANDS WEALTH CAPABILITIES, APPOINTS LEADERS TO OVERSEE THEM; LAUNCHES REGIONAL AND SECTOR FOCUSED OPERATING MODEL (PR Newswire)
Nov-09-25 11:03PM	3 Reasons FLG is Risky and 1 Stock to Buy Instead (StockStory)
Oct-31-25 01:31AM	The Top 5 Analyst Questions From Flagstar Financial's Q3 Earnings Call (StockStory)
Oct-29-25 08:30AM	FLAGSTAR BANK, N.A. DECLARES QUARTERLY CASH DIVIDENDS ON ITS COMMON STOCK AND PREFERRED STOCKS (PR Newswire)
06:26AM	Flagstar Financial Reports Q3 Loss, NII & Fee Income Decline Y/Y (Revised) (Zacks)
Oct-27-25 01:40PM	Flagstar Financial Q3 Loss Widens as NII & Fee Income Decline Y/Y (Zacks)
Oct-25-25 01:30AM	FLG Q3 Deep Dive: C&I Lending Growth, CRE Reduction, and Cost Controls Define Trajectory (StockStory)
Oct-24-25 09:30AM	Here's What Key Metrics Tell Us About Flagstar Bank (FLG) Q3 Earnings (Zacks)
07:18AM	Flagstar Financial (NYSE:FLG) Posts Better-Than-Expected Sales In Q3 (StockStory)
07:10AM	Flagstar Bank (FLG) Reports Q3 Loss, Tops Revenue Estimates (Zacks)
06:00AM	FLAGSTAR BANK, N.A. REPORTS THIRD QUARTER 2025 NET LOSS ATTRIBUTABLE TO COMMON STOCKHOLDERS OF $0.11 PER DILUTED SHARE AND ADJUSTED NET LOSS ATTRIBUTABLE TO COMMON STOCKHOLDERS OF $0.07 PER DILUTED SHARE (PR Newswire)
Oct-23-25 09:19AM	What To Expect From Flagstar Bank NA (FLG) Q3 2025 Earnings (GuruFocus.com)
Oct-22-25 11:01PM	Flagstar Financial (FLG) Q3 Earnings Report Preview: What To Look For (StockStory)
Oct-17-25 07:44PM	FLAGSTAR BANK, N.A. ANNOUNCES COMPLETION OF HOLDING COMPANY REORGANIZATION (PR Newswire)
10:00AM	Flagstar Financial (FLG) Expected to Beat Earnings Estimates: Can the Stock Move Higher? (Zacks)
Oct-15-25 04:05PM	FLAGSTAR FINANCIAL, INC. SHAREHOLDERS APPROVE HOLDING COMPANY REORGANIZATION AT SPECIAL SHAREHOLDER MEETING (PR Newswire) -6.62%
Oct-14-25 04:00PM	Flagstar Financial and Columbia Financial Shares Are Soaring, What You Need To Know (StockStory)
Oct-09-25 08:45AM	FLAGSTAR FINANCIAL, INC. RECEIVES SUPPORT FROM INDUSTRY LEADING INDEPENDENT PROXY ADVISORY FIRM ISS FOR UPCOMING SHAREHOLDER VOTE TO ENHANCE CORPORATE STRUCTURE (PR Newswire)
07:19AM	Here's Black Bear Value Partners' Views on Flagstar Financial (FLG) (Insider Monkey)
Oct-06-25 05:06PM	FLAGSTAR FINANCIAL, INC. ANNOUNCES RECEIPT OF REQUIRED REGULATORY APPROVALS TO MERGE HOLDING COMPANY INTO ITS BANK (PR Newswire)
Oct-03-25 03:16PM	Why Flagstar Financial (FLG) Stock Is Up Today (StockStory)
08:30AM	FLAGSTAR FINANCIAL, INC. TO REPORT THIRD QUARTER 2025 EARNINGS AND HOST CONFERENCE CALL ON OCTOBER 24TH (PR Newswire)
Oct-02-25 09:47AM	Citizens Financial's NII Slips in 1H25: Can Fed Cuts Drive a Rebound? (Zacks)
Sep-18-25 05:41PM	Flagstar Financial, Valley National Bank, TriCo Bancshares, TowneBank, and Stock Yards Bank Shares Skyrocket, What You Need To Know (StockStory)
06:02AM	Time to Go Long on Bank Stocks: Cantor Suggests 2 Names to Buy (TipRanks)
Sep-16-25 11:32PM	Thrifts & Mortgage Finance Stocks Q2 In Review: Flagstar Financial (NYSE:FLG) Vs Peers (StockStory)
Sep-03-25 08:30AM	FLAGSTAR BANK APPOINTS BRETT MITSTIFER AS CHIEF INVESTMENT OFFICER OF PRIVATE BANKING AND WEALTH MANAGEMENT (PR Newswire)
Aug-28-25 08:30AM	FLAGSTAR FINANCIAL, INC. TO PARTICIPATE IN THE BARCLAYS 23RD ANNUAL GLOBAL FINANCIAL SERVICES CONFERENCE (PR Newswire)
Aug-26-25 02:55PM	Flagstar Financial (FLG) Stock Trades Up, Here Is Why (StockStory)
10:00AM	FLAGSTAR FINANCIAL, INC. ANNOUNCES OCTOBER 15TH DATE FOR ITS SPECIAL MEETING OF SHAREHOLDERS (PR Newswire)
Aug-13-25 12:26AM	The 5 Most Interesting Analyst Questions From Flagstar Financial's Q2 Earnings Call (StockStory)
12:04AM	FLG Q2 Deep Dive: Expense Cuts, CRE De-Risking, and C&I Expansion Amid Revenue Pressure (StockStory)
Aug-11-25 12:02AM	Flagstar Financial (FLG): Buy, Sell, or Hold Post Q2 Earnings? (StockStory)
Aug-07-25 08:30AM	Flagstar Bank Opens Private Client Office on Royal Palm Way in Palm Beach, Expanding South Florida Presence (PR Newswire)

Show Previous News

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Raffetto Richard A	SEVP Pres of Com & Priv Bnking	Dec 04 '25	Buy	12.85	95	1,221	1,386	Feb 06 06:45 PM

Part of New York Community Bancorp, Inc., Flagstar Bank NA is a company that provides banking services. The company is based in Hicksville, NY. The CEO of the company is Joseph M. Otting.

CEO & Executive ChairmanMr. Joseph M. Otting

CFOMr. Lee Matthew Smith

Senior EVPMr. Bao Nguyen

Executive VP & Chief Risk OfficerMr. George F. Buchanan III

Senior EVP & Chief Credit OfficerMr. Kris A. Gagnon

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FLG

Flagstar Bank NA

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