FLG Fundamental Analysis - FLAGSTAR BANK NA

Fundamental Rating

Overall FLG gets a fundamental rating of 2 out of 10. We evaluated FLG against 387 industry peers in the Banks industry. Both the profitability and financial health of FLG have multiple concerns. While showing a medium growth rate, FLG is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

In the past year FLG has reported negative net income.

In the past year FLG has reported a negative cash flow from operations.

In multiple years FLG reported negative net income over the last 5 years.

In the past 5 years FLG always reported a positive cash flow from operatings.

1.2 Ratios

The Return On Assets of FLG (-0.73%) is worse than 94.57% of its industry peers.

Looking at the Return On Equity, with a value of -8.29%, FLG is doing worse than 94.06% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	-0.73%
ROE	-8.29%
ROIC	N/A

ROA(3y)-0.19%

ROA(5y)0.24%

ROE(3y)-2.87%

ROE(5y)1.24%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

FLG does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FLG does not have a ROIC to compare to the WACC, probably because it is not profitable.

FLG has more shares outstanding than it did 1 year ago.

FLG has more shares outstanding than it did 5 years ago.

Compared to 1 year ago, FLG has an improved debt to assets ratio.

2.2 Solvency

FLG has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.

FLG's Debt to Equity ratio of 0.13 is fine compared to the rest of the industry. FLG outperforms 60.98% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.13
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC16.21%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

FLG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 76.36%, which is quite impressive.

Looking at the last year, FLG shows a very negative growth in Revenue. The Revenue has decreased by -23.77% in the last year.

FLG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 19.63% yearly.

EPS 1Y (TTM)76.36%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%89.86%

Revenue 1Y (TTM)-23.77%

Revenue growth 3Y23.65%

Revenue growth 5Y19.63%

Sales Q2Q%-16.67%

3.2 Future

Based on estimates for the next years, FLG will show a very strong growth in Earnings Per Share. The EPS will grow by 37.38% on average per year.

FLG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.08% yearly.

EPS Next Y85.45%

EPS Next 2Y49.18%

EPS Next 3Y37.38%

EPS Next 5YN/A

Revenue Next Year-21.23%

Revenue Next 2Y2.03%

Revenue Next 3Y9.08%

Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for FLG. In the last year negative earnings were reported.

Based on the Price/Forward Earnings ratio of 20.20, the valuation of FLG can be described as rather expensive.

FLG's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FLG is more expensive than 78.55% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 23.56. FLG is around the same levels.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	20.2

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

FLG's earnings are expected to grow with 37.38% in the coming years. This may justify a more expensive valuation.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y49.18%

EPS Next 3Y37.38%

More info and screens

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5. Dividend

5.1 Amount

FLG has a yearly dividend return of 0.31%, which is pretty low.

Compared to an average industry Dividend Yield of 3.11, FLG's dividend is way lower than its industry peers. On top of this 86.56% of the companies listed in the same industry pay a better dividend than FLG!

With a Dividend Yield of 0.31, FLG pays less dividend than the S&P500 average, which is at 2.31.

		Industry Rank	Sector Rank
Dividend Yield	0.31%

5.2 History

The dividend of FLG decreases each year by -34.54%.

FLG has been paying a dividend for over 5 years, so it has already some track record.

Dividend Growth(5Y)-34.54%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

FLG has negative earnings and hence a negative payout ratio. The dividend may be in danger.

DP-7.3%

EPS Next 2Y49.18%

EPS Next 3Y37.38%

More info and screens

Find the best dividend stocks

Show peers with best dividend

FLAGSTAR BANK NA

NYSE:FLG (12/8/2025, 6:30:00 PM)

After market: 12.8172 -0.06 (-0.49%)

12.88

+0.18 (+1.42%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-24 2025-10-24/bmo

Earnings (Next)01-28 2026-01-28/bmo

Inst Owners64.76%

Inst Owner ChangeN/A

Ins Owners0.32%

Ins Owner Change0%

Market Cap5.35B

Revenue(TTM)2.13B

Net Income(TTM)-671.00M

Analysts72.73

Price Target14.06 (9.16%)

Short Float %18.38%

Short Ratio11.03

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.31%

Yearly Dividend0.27

Dividend Growth(5Y)-34.54%

DP-7.3%

Div Incr Years0

Div Non Decr Years0

Ex-Date12-05 2025-12-05 (0.01)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)5.72%

Min EPS beat(2)-7.14%

Max EPS beat(2)18.59%

EPS beat(4)2

Avg EPS beat(4)-5.1%

Min EPS beat(4)-69.74%

Max EPS beat(4)37.91%

EPS beat(8)3

Avg EPS beat(8)-53.04%

EPS beat(12)5

Avg EPS beat(12)-32.11%

EPS beat(16)7

Avg EPS beat(16)-23.94%

Revenue beat(2)0

Avg Revenue beat(2)-9.34%

Min Revenue beat(2)-10.7%

Max Revenue beat(2)-7.98%

Revenue beat(4)0

Avg Revenue beat(4)-6.4%

Min Revenue beat(4)-10.7%

Max Revenue beat(4)-1.53%

Revenue beat(8)2

Avg Revenue beat(8)-0.77%

Revenue beat(12)5

Avg Revenue beat(12)41.26%

Revenue beat(16)8

Avg Revenue beat(16)31.97%

PT rev (1m)-0.42%

PT rev (3m)3.02%

EPS NQ rev (1m)-7.22%

EPS NQ rev (3m)-18.6%

EPS NY rev (1m)-1.78%

EPS NY rev (3m)-2.55%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-2.48%

Revenue NY rev (1m)-3.52%

Revenue NY rev (3m)-4.37%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	20.2
P/S	2.4
P/FCF	N/A
P/OCF	N/A
P/B	0.66
P/tB	0.7
EV/EBITDA	N/A

EPS(TTM)-0.78

EYN/A

EPS(NY)0.64

Fwd EY4.95%

FCF(TTM)-1.55

FCFYN/A

OCF(TTM)-1.57

OCFYN/A

SpS5.37

BVpS19.47

TBVpS18.43

PEG (NY)N/A

PEG (5Y)N/A

Graham NumberN/A

Profitability

		Industry Rank	Sector Rank
ROA	-0.73%
ROE	-8.29%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM	N/A

ROA(3y)-0.19%

ROA(5y)0.24%

ROE(3y)-2.87%

ROE(5y)1.24%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexgc growth 3YN/A

ROICexgc growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0.13
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	2.94%
Cap/Sales	0.22%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC16.21%

ROIC/WACCN/A

Cap/Depr(3y)25.41%

Cap/Depr(5y)N/A

Cap/Sales(3y)0.91%

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)76.36%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%89.86%

EPS Next Y85.45%

EPS Next 2Y49.18%

EPS Next 3Y37.38%

EPS Next 5YN/A

Revenue 1Y (TTM)-23.77%

Revenue growth 3Y23.65%

Revenue growth 5Y19.63%

Sales Q2Q%-16.67%

Revenue Next Year-21.23%

Revenue Next 2Y2.03%

Revenue Next 3Y9.08%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y35.34%

FCF growth 3Y-44.08%

FCF growth 5Y-37.15%

OCF growth 1Y30.97%

OCF growth 3Y-33.31%

OCF growth 5Y-29.95%

FLAGSTAR BANK NA / FLG FAQ

Can you provide the ChartMill fundamental rating for FLAGSTAR BANK NA?

ChartMill assigns a fundamental rating of 2 / 10 to FLG.

What is the valuation status for FLG stock?

ChartMill assigns a valuation rating of 2 / 10 to FLAGSTAR BANK NA (FLG). This can be considered as Overvalued.

Can you provide the profitability details for FLAGSTAR BANK NA?

FLAGSTAR BANK NA (FLG) has a profitability rating of 1 / 10.

What is the financial health of FLAGSTAR BANK NA (FLG) stock?

The financial health rating of FLAGSTAR BANK NA (FLG) is 1 / 10.

FLAGSTAR BANK NA (FLG) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

FLAGSTAR BANK NA / FLG FAQ

Can you provide the ChartMill fundamental rating for FLAGSTAR BANK NA?

What is the valuation status for FLG stock?

Can you provide the profitability details for FLAGSTAR BANK NA?

What is the financial health of FLAGSTAR BANK NA (FLG) stock?