FLAGSTAR BANK NA (FLG) Fundamental Analysis & Valuation

NYSE:FLG • US6494454001

Current stock price

12.87 USD
-0.18 (-1.38%)
At close:
12.87 USD
0 (0%)
After Hours:

This FLG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. FLG Profitability Analysis

1.1 Basic Checks

  • In the past year FLG has reported negative net income.
  • FLG had a negative operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: FLG reported negative net income in multiple years.
  • Of the past 5 years FLG 4 years had a positive operating cash flow.
FLG Yearly Net Income VS EBIT VS OCF VS FCFFLG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M 1B -1B

1.2 Ratios

  • Looking at the Return On Assets, with a value of -0.24%, FLG is doing worse than 92.63% of the companies in the same industry.
  • With a Return On Equity value of -2.58%, FLG is not doing good in the industry: 92.37% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -0.24%
ROE -2.58%
ROIC N/A
ROA(3y)-0.5%
ROA(5y)0.02%
ROE(3y)-6.03%
ROE(5y)-0.66%
ROIC(3y)N/A
ROIC(5y)N/A
FLG Yearly ROA, ROE, ROICFLG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 -10

1.3 Margins

  • The Profit Margin and Operating Margin and Gross Margin are not available for FLG so they could not be analyzed.
Industry RankSector 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
FLG Yearly Profit, Operating, Gross MarginsFLG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. FLG Health Analysis

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.
  • The number of shares outstanding for FLG has been increased compared to 5 years ago.
  • Compared to 1 year ago, FLG has a worse debt to assets ratio.
FLG Yearly Shares OutstandingFLG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
FLG Yearly Total Debt VS Total AssetsFLG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B 100B

2.2 Solvency

  • A Debt/Equity ratio of 0.13 indicates that FLG is not too dependend on debt financing.
  • FLG has a better Debt to Equity ratio (0.13) than 60.26% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC16.1%
FLG Yearly LT Debt VS Equity VS FCFFLG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B 8B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FLG Yearly Current Assets VS Current LiabilitesFLG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. FLG Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 86.57% over the past year.
  • Looking at the last year, FLG shows a very negative growth in Revenue. The Revenue has decreased by -19.20% in the last year.
  • The Revenue has been growing by 12.17% on average over the past years. This is quite good.
EPS 1Y (TTM)86.57%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%117.65%
Revenue 1Y (TTM)-19.2%
Revenue growth 3Y7.87%
Revenue growth 5Y12.17%
Sales Q2Q%-4.99%

3.2 Future

  • The Earnings Per Share is expected to grow by 100.45% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 26.82% on average over the next years. This is a very strong growth
EPS Next Y253.16%
EPS Next 2Y155.47%
EPS Next 3Y100.46%
EPS Next 5YN/A
Revenue Next Year37.03%
Revenue Next 2Y30.57%
Revenue Next 3Y26.82%
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 accelerating.
FLG Yearly Revenue VS EstimatesFLG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B 4B 5B
FLG Yearly EPS VS EstimatesFLG Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 2 -2 4

More info and screens

Find the best growth stocksShow best growing peers

2

4. FLG Valuation Analysis

4.1 Price/Earnings Ratio

  • FLG reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • With a Price/Forward Earnings ratio of 22.11, FLG is valued on the expensive side.
  • 80.00% of the companies in the same industry are cheaper than FLG, based on the Price/Forward Earnings ratio.
  • FLG's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 22.19.
Industry RankSector Rank
PE N/A
Fwd PE 22.11
FLG Price Earnings VS Forward Price EarningsFLG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20 -20 -30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
FLG Per share dataFLG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

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 100.45% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y155.47%
EPS Next 3Y100.46%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

1

5. FLG Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.30%, FLG is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.66, FLG's dividend is way lower than its industry peers. On top of this 87.37% of the companies listed in the same industry pay a better dividend than FLG!
  • With a Dividend Yield of 0.30, FLG pays less dividend than the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 0.3%

5.2 History

  • The dividend of FLG decreases each year by -44.76%.
  • FLG has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)-44.76%
Div Incr Years0
Div Non Decr Years0
FLG Yearly Dividends per shareFLG Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • The earnings of FLG are negative and hence is the payout ratio. FLG will probably not be able to sustain this dividend level.
DP-22.86%
EPS Next 2Y155.47%
EPS Next 3Y100.46%
FLG Yearly Income VS Free CF VS DividendFLG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M 1B -1B

More info and screens

Find the best dividend stocksShow peers with best dividend

FLG Fundamentals: All Metrics, Ratios and Statistics

FLAGSTAR BANK NA

NYSE:FLG (3/30/2026, 5:35:36 PM)

After market: 12.87 0 (0%)

12.87

-0.18 (-1.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)04-24
Inst Owners65.11%
Inst Owner ChangeN/A
Ins Owners0.34%
Ins Owner Change42.15%
Market Cap5.35B
Revenue(TTM)2.06B
Net Income(TTM)-210.00M
Analysts71.82
Price Target15.3 (18.88%)
Short Float %20.46%
Short Ratio11.5
Dividend
Industry RankSector Rank
Dividend Yield 0.3%
Yearly Dividend0.12
Dividend Growth(5Y)-44.76%
DP-22.86%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-06
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)88.29%
Min EPS beat(2)0.28%
Max EPS beat(2)176.31%
EPS beat(4)3
Avg EPS beat(4)47.01%
Min EPS beat(4)-7.14%
Max EPS beat(4)176.31%
EPS beat(8)4
Avg EPS beat(8)-7.05%
EPS beat(12)7
Avg EPS beat(12)-16.6%
EPS beat(16)9
Avg EPS beat(16)-12.57%
Revenue beat(2)0
Avg Revenue beat(2)-7.11%
Min Revenue beat(2)-9.61%
Max Revenue beat(2)-4.61%
Revenue beat(4)0
Avg Revenue beat(4)-8.23%
Min Revenue beat(4)-10.7%
Max Revenue beat(4)-4.61%
Revenue beat(8)0
Avg Revenue beat(8)-6.48%
Revenue beat(12)4
Avg Revenue beat(12)36.07%
Revenue beat(16)7
Avg Revenue beat(16)30.9%
PT rev (1m)1.81%
PT rev (3m)6.58%
EPS NQ rev (1m)2.54%
EPS NQ rev (3m)-22.1%
EPS NY rev (1m)2.79%
EPS NY rev (3m)-8.33%
Revenue NQ rev (1m)-0.36%
Revenue NQ rev (3m)2.92%
Revenue NY rev (1m)-0.34%
Revenue NY rev (3m)2.6%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 22.11
P/S 2.6
P/FCF N/A
P/OCF N/A
P/B 0.66
P/tB 0.69
EV/EBITDA N/A
EPS(TTM)-0.38
EYN/A
EPS(NY)0.58
Fwd EY4.52%
FCF(TTM)-0.6
FCFYN/A
OCF(TTM)-0.44
OCFYN/A
SpS4.96
BVpS19.57
TBVpS18.66
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.24%
ROE -2.58%
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)-0.5%
ROA(5y)0.02%
ROE(3y)-6.03%
ROE(5y)-0.66%
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-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 45.27%
Cap/Sales 3.25%
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-Score4
WACC16.1%
ROIC/WACCN/A
Cap/Depr(3y)34.95%
Cap/Depr(5y)28.11%
Cap/Sales(3y)1.93%
Cap/Sales(5y)1.26%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)86.57%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%117.65%
EPS Next Y253.16%
EPS Next 2Y155.47%
EPS Next 3Y100.46%
EPS Next 5YN/A
Revenue 1Y (TTM)-19.2%
Revenue growth 3Y7.87%
Revenue growth 5Y12.17%
Sales Q2Q%-4.99%
Revenue Next Year37.03%
Revenue Next 2Y30.57%
Revenue Next 3Y26.82%
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 1Y-596%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-310.46%
OCF growth 3YN/A
OCF growth 5YN/A

FLAGSTAR BANK NA / FLG Fundamental Analysis 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.