FLG Fundamental Analysis - FLAGSTAR BANK NA

Fundamental Rating

FLG gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. FLG has a bad profitability rating. Also its financial health evaluation is rather negative. FLG is valied quite expensively at the moment, while it does show a decent growth rate.

Quickly go to:

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.

The reported net income has been mixed in the past 5 years: FLG reported negative net income in multiple years.

Each year in the past 5 years FLG had a positive operating cash flow.

1.2 Ratios

The Return On Assets of FLG (-0.73%) is worse than 94.06% of its industry peers.

Looking at the Return On Equity, with a value of -8.29%, FLG is doing worse than 93.54% 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

Show most profitable peers

2. Health

2.1 Basic Checks

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

The number of shares outstanding for FLG has been increased compared to 1 year ago.

Compared to 5 years ago, FLG has more shares outstanding

FLG has a better debt/assets ratio than last year.

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.

The Debt to Equity ratio of FLG (0.13) is better than 61.50% 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

Show peers with great health

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.

The Revenue has been growing by 19.63% on average over the past years. This is quite good.

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

The Earnings Per Share is expected to grow by 37.41% on average over the next years. This is a very strong growth

The Revenue is expected to grow by 9.84% on average over the next years. This is quite good.

EPS Next Y85.54%

EPS Next 2Y49.14%

EPS Next 3Y37.41%

EPS Next 5YN/A

Revenue Next Year-19.86%

Revenue Next 2Y2.63%

Revenue Next 3Y9.84%

Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

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

A Price/Forward Earnings ratio of 20.54 indicates a rather expensive valuation of FLG.

78.55% of the companies in the same industry are cheaper than FLG, based on the Price/Forward Earnings ratio.

The average S&P500 Price/Forward Earnings ratio is at 23.88. FLG is around the same levels.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	20.54

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 37.41% in the coming years. This may justify a more expensive valuation.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y49.14%

EPS Next 3Y37.41%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

FLG has a yearly dividend return of 0.30%, which is pretty low.

With a Dividend Yield of 0.30, FLG pays less dividend than the industry average, which is at 2.86. 86.30% of the companies listed in the same industry pay a better dividend than FLG!

Compared to an average S&P500 Dividend Yield of 1.90, FLG's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	0.3%

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 2Y49.14%

EPS Next 3Y37.41%

More info and screens

Find the best dividend stocks

Show peers with best dividend

FLAGSTAR BANK NA

NYSE:FLG (1/9/2026, 8:04:00 PM)

After market: 13 -0.04 (-0.31%)

13.04

-0.09 (-0.69%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)02-04 2026-02-04/bmo

Inst Owners64.77%

Inst Owner ChangeN/A

Ins Owners0.32%

Ins Owner Change0%

Market Cap5.42B

Revenue(TTM)2.13B

Net Income(TTM)-671.00M

Analysts72.73

Price Target14.36 (10.12%)

Short Float %19.98%

Short Ratio12.29

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.3%

Yearly Dividend0.27

Dividend Growth(5Y)-34.54%

DP-7.3%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

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)2.57%

PT rev (3m)2.47%

EPS NQ rev (1m)-7.22%

EPS NQ rev (3m)-23.21%

EPS NY rev (1m)0.61%

EPS NY rev (3m)-1.92%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.33%

Revenue NY rev (1m)1.74%

Revenue NY rev (3m)-2.17%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	20.54
P/S	2.43
P/FCF	N/A
P/OCF	N/A
P/B	0.67
P/tB	0.71
EV/EBITDA	N/A

EPS(TTM)-0.78

EYN/A

EPS(NY)0.63

Fwd EY4.87%

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 Y85.54%

EPS Next 2Y49.14%

EPS Next 3Y37.41%

EPS Next 5YN/A

Revenue 1Y (TTM)-23.77%

Revenue growth 3Y23.65%

Revenue growth 5Y19.63%

Sales Q2Q%-16.67%

Revenue Next Year-19.86%

Revenue Next 2Y2.63%

Revenue Next 3Y9.84%

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.

Can you provide the valuation status for FLAGSTAR BANK NA?

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?

Can you provide the valuation status for FLAGSTAR BANK NA?

Can you provide the profitability details for FLAGSTAR BANK NA?

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