Flagstar Bank, N.A.

Valuation Analysis

About the Company

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.

Flagstar Bank, N.A. Stock at a Glance

Flagstar Bank, N.A. (FLG) is currently trading at $14.94 with a market capitalization of $6.2B. The 52-week range spans from $10.38 to $14.98; the current price is 0.3% below the yearly high. Year-over-year revenue growth stands at +21.2%.

💰 Dividend

Flagstar Bank, N.A. pays an annual dividend of $0.04 per share, representing a yield of 0.27%. The payout ratio stands at 20.99%.

📊 Analyst Rating

16 analysts rate Flagstar Bank, N.A. (FLG) on consensus: Buy. The average price target is $15.72, implying +5.21% from the current price. Analyst price targets range from $13.00 to $17.00.

Flagstar Bank, N.A.: The Investment Case in Detail

Flagstar Bank, N.A. (FLG) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Revenue is growing at a healthy 21.2% pace year-over-year, suggesting the business model continues to find new customers and pricing power.

The Bear Case

Net margins remain negative, meaning every euro of revenue is still producing losses — the path to profitability is the central question for shareholders.

Valuation in Context

With a PEG ratio of 0.78, the price-to-earnings multiple is actually below the company's growth rate — classic value-meets-growth territory that Peter Lynch would have called a 'GARP' opportunity.

What to Watch Next

• The share is trading at 99.1% of its 52-week range — a break above the recent high opens technical upside, a failure here often invites profit-taking.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to market-like volatility.

Trading Data

💵 Dividend Info

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