Financial Services · Banks - Regional
Price
$14.59
Market Cap
$6.1B
Employees
6,993
Beta
1.03
Avg Volume
4,853,900
CEO
Joseph Otting
Business Description
Flagstar Financial, Inc. serves as the holding company for Flagstar Bank, N.A., delivering a wide array of banking solutions and services throughout the United States. Its deposit portfolio features interest-bearing checking, money market, savings, and non-interest-bearing accounts, alongside retirement savings plans and certificates of deposit. The institution extends a diverse range of credit facilities, including financing for multi-family properties, commercial real estate ventures, and acquisition, development, and construction projects. Further offerings encompass commercial and industrial loans, mortgages for one-to-four family residences, specialized finance loans and leases, and warehouse lending. Additionally, Flagstar provides various consumer credit options, such as home equity lines of credit, indirect loans for boats and recreational vehicles, point-of-sale consumer financing, and overdraft facilities. Beyond traditional banking, the company offers cash management tools, a selection of non-deposit investment and insurance products, and convenient digital access through online, mobile, and telephone banking platforms. Its primary clientele consists of individual consumers, small to medium-sized businesses, and professional organizations. Established in 1859 and based in Hicksville, New York, the company recently changed its name to Flagstar Financial, Inc. in October 2024, having formerly been known as New York Community Bancorp, Inc.
Business History
Price Overview
Price at report time · Jul 5, 4:08am (0m ago)
$14.59
Change · Jul 5
-0.41 (-2.73%)
Day Range
$14.53 – $15.12
52-Week Range
$10.57 – $15.37
50-Day MA
$14.24
200-Day MA
$13.02
Volume
3,324,788.00
Right now · live
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Real-time — the change above is the move since the report (over 0m).
Analyst Price Targets
Low
$14.00
Consensus
$16.10
High
$17.50
(16 analysts)
Share Structure
Outstanding
416,815,122.00
Float
266,815,864.00
Free Float
64.0%
Normal free float
— 64.0% of shares trade freely, ~36% held by insiders/institutions
Healthy float typical of established companies. Good liquidity for entering and exiting positions without major price impact.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
CALCStock Price / EPS (Diluted)
-28.61
Stock Price: $14.59
EPS (Diluted): -0.51
EPS (Diluted): -0.51
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
0.64
Stock Price: $14.59
Total Equity: $8.14B
Shares: 415,327,556
Total Equity: $8.14B
Shares: 415,327,556
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
170.37
Market Cap: $6.08B
Total Debt: $12.18B
Cash: $553.00M
EBITDA: -$50.00M
Total Debt: $12.18B
Cash: $553.00M
EBITDA: -$50.00M
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$16.9B
Market Cap: $6.08B
Total Debt: $12.18B
Cash: $553.00M
Total Debt: $12.18B
Cash: $553.00M
P/S Ratio (Price per dollar of revenue)
APIStock Price / Revenue Per Share
1.11
Stock Price: $14.59
Revenue: $4.70B
Shares: 415,327,556
Revenue: $4.70B
Shares: 415,327,556
EV/Sales (Total value vs revenue — works when P/E can't)
API3.59
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
37.6%
Gross Profit: $1.77B
Revenue: $4.70B
Revenue: $4.70B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
-4.2%
Operating Income: -$198.00M
Revenue: $4.70B
Revenue: $4.70B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
-3.8%
Net Income: -$177.00M
Revenue: $4.70B
Revenue: $4.70B
ROE (Profit from shareholder equity)
APINet Income / Total Equity
-0.7%
Net Income: -$177.00M
Total Equity: $8.14B
Total Equity: $8.14B
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
-0.1%
Operating Income: -$198.00M
Tax Rate: 10.6%
Equity: $8.14B
Total Debt: $12.18B
Cash: $553.00M
Tax Rate: 10.6%
Equity: $8.14B
Total Debt: $12.18B
Cash: $553.00M
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
0.54
Current Assets: $16.25B
Current Liabilities: $30.29B
Current Liabilities: $30.29B
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
1.50
Short-Term Debt: $0.00
Long-Term Debt: $12.18B
Total Debt: $12.18B
Total Equity: $8.14B
Long-Term Debt: $12.18B
Total Debt: $12.18B
Total Equity: $8.14B
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$11.30
Revenue: $4.70B
Shares: 415,327,556
Shares: 415,327,556
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$19.61
Total Equity: $8.14B
Shares: 415,327,556
Shares: 415,327,556
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$-1.45
Operating CF: -$534.00M
CapEx: -$67.00M
Shares: 415,327,556
CapEx: -$67.00M
Shares: 415,327,556
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
0.9%
Last Dividend: N/A
Stock Price: $14.59
Stock Price: $14.59
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: -$177.00M
Net Income: -$177.00M
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares FLG against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jul 5, 2026 4:08am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $1.8B | $2.2B | $6.0B | $6.4B | $4.7B |
| Cost of Revenue | $403.0M | $829.0M | $3.2B | $4.9B | $2.9B |
| Gross Profit | $1.3B | $1.3B | $2.8B | $1.5B | $1.8B |
| Operating Expenses | $541.0M | $523.0M | $2.9B | $2.9B | $2.0B |
| Operating Income | $806.0M | $826.0M | -$50.0M | -$1.4B | -$198.0M |
| Net Income | $596.0M | $650.0M | -$79.0M | -$1.1B | -$177.0M |
| EBITDA | $827.0M | $849.0M | $115.0M | -$1.2B | -$50.0M |
| EPS | $3.59 | $3.78 | $-0.49 | $-3.49 | $-0.51 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jul 5, 2026 4:08am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $2.2B | $2.0B | $11.5B | $15.4B | $553.0M |
| Total Current Assets | $8.6B | $12.3B | $23.8B | $27.9B | $16.3B |
| Total Assets | $59.5B | $90.1B | $114.1B | $100.2B | $87.5B |
| Current Liabilities | $39.6B | $69.0B | $88.9B | $79.6B | $30.3B |
| Long-Term Debt | $15.8B | $21.3B | $21.3B | $10.7B | $12.2B |
| Total Liabilities | $52.5B | $81.3B | $105.7B | $92.0B | $79.4B |
| Total Equity | $7.0B | $8.8B | $8.4B | $8.2B | $8.1B |
| Retained Earnings | $741.0M | $1.0B | $443.0M | -$763.0M | -$988.0M |
Cash Flow (Annual)
Last updated: Jul 5, 2026 4:08am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $290.0M | $1.0B | $263.0M | $86.0M | -$534.0M |
| Capital Expenditure | -$4.0M | -$3.0M | -$66.0M | -$36.0M | -$67.0M |
| Free Cash Flow | $286.0M | $1.0B | $197.0M | $50.0M | -$601.0M |
| Acquisitions (net) | $0 | $331.0M | $24.9B | $0 | $0 |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$16.0M | -$24.0M | -$12.0M | -$11.0M | $0 |
| Net Change in Cash | $263.0M | -$129.0M | $9.5B | $4.0B | -$9.6B |
Analyst Estimates (Annual)
Last updated: Jul 5, 2026 4:08am (just now)| Metric | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|
| Revenue |
$2.0B $2.0B – $2.0B
|
$2.3B $2.2B – $2.3B
|
$2.9B $2.6B – $3.1B
|
$3.4B $3.3B – $3.4B
|
| EBITDA |
$276.8M $275.4M – $278.1M
|
$309.1M $300.9M – $317.2M
|
$391.6M $348.7M – $422.1M
|
$460.9M $453.3M – $468.4M
|
| Net Income |
-$219.0M -$230.0M – -$208.1M
|
$204.7M $148.2M – $214.5M
|
$692.3M $398.3M – $733.8M
|
$944.7M $844.2M – $1.0B
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jul 5, 2026 4:08am (just now)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +24.5% | +177.6% | +5.6% | -26.5% |
| Gross Profit Growth | +0.1% | +107.6% | -46.8% | +18.4% |
| Operating Income Growth | +2.5% | -106.1% | -2,656.0% | +85.6% |
| Net Income Growth | +9.1% | -112.2% | -1,315.2% | +84.2% |
| EBITDA Growth | +2.7% | -86.5% | -1,138.3% | +95.8% |
Insider Trading (Recent)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-01-27 | MNUCHIN STEVEN T | A-Award | 9,939.00 | $0.00 | $0 |
| 2025-07-15 | Marx Bryan | F-InKind | 630.00 | $0.00 | $0 |
| 2025-05-24 | Davis Reginald E | F-InKind | 4,852.00 | $0.00 | $0 |
| 2025-05-24 | Marx Bryan | F-InKind | 789.00 | $0.00 | $0 |
| 2025-03-15 | Buchanan George | F-InKind | 2,718.00 | $0.00 | $0 |
| 2025-03-27 | MNUCHIN STEVEN T | M-Exempt | 10,357.00 | $0.00 | $0 |
| 2025-03-27 | MNUCHIN STEVEN T | D-Return | 10,357.00 | $0.00 | $0 |
| 2025-03-27 | MNUCHIN STEVEN T | M-Exempt | 10,357.00 | $0.00 | $0 |
| 2025-03-24 | Davis Reginald E | F-InKind | 1,398.00 | $0.00 | $0 |
| 2025-03-24 | Smith Lee Matthew | F-InKind | 2,131.00 | $0.00 | $0 |
| 2025-03-22 | Smith Lee Matthew | F-InKind | 1,491.00 | $0.00 | $0 |
| 2025-03-15 | Otting Joseph M | A-Award | 252,951.00 | $0.00 | $0 |
| 2025-03-15 | Gagnon Kris | A-Award | 50,590.00 | $0.00 | $0 |
| 2025-03-15 | Marx Bryan | A-Award | 25,295.00 | $0.00 | $0 |
| 2025-03-15 | Buchanan George | A-Award | 16,863.00 | $0.00 | $0 |
| 2025-03-15 | Bao Nguyen | A-Award | 50,590.00 | $0.00 | $0 |
| 2025-03-06 | DiNello Alessandro | F-InKind | 174,805.00 | $0.00 | $0 |
| 2025-03-06 | DiNello Alessandro | D-Return | 88,051.00 | $0.00 | $0 |
| 2025-02-28 | DiNello Alessandro | G-Gift | 48,566.00 | $0.00 | $0 |
| 2025-02-28 | DiNello Alessandro | G-Gift | 37,506.00 | $0.00 | $0 |
Dividend History (Last 20)
Last updated: Jul 5, 2026 4:08am (just now)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-06-05 | $0.01 | 2026-04-27 | 2026-06-07 | 2026-06-17 |
| 2026-03-06 | $0.01 | 2026-02-12 | 2026-03-07 | 2026-03-17 |
| 2025-12-05 | $0.01 | 2025-10-29 | 2025-12-07 | 2025-12-17 |
| 2025-09-05 | $0.01 | 2025-07-25 | 2025-09-07 | 2025-09-17 |
| 2025-06-06 | $0.01 | 2025-04-25 | 2025-06-07 | 2025-06-17 |
| 2025-03-07 | $0.01 | 2025-01-31 | 2025-03-07 | 2025-03-17 |
| 2024-12-06 | $0.01 | 2024-10-25 | 2024-12-07 | 2024-12-17 |
| 2024-09-06 | $0.01 | 2024-08-05 | 2024-09-07 | 2024-09-17 |
| 2024-06-07 | $0.01 | 2024-06-07 | 2024-06-17 | |
| 2024-02-13 | $0.05 | 2024-02-14 | 2024-02-28 | |
| 2023-11-03 | $0.17 | 2023-11-06 | 2023-11-16 | |
| 2023-08-04 | $0.17 | 2023-08-07 | 2023-08-17 | |
| 2023-05-05 | $0.17 | 2023-05-08 | 2023-05-18 | |
| 2023-02-03 | $0.17 | 2023-02-06 | 2023-02-16 | |
| 2022-11-04 | $0.17 | 2022-11-07 | 2022-11-17 | |
| 2022-08-05 | $0.17 | 2022-08-08 | 2022-08-18 | |
| 2022-05-06 | $0.17 | 2022-05-09 | 2022-05-19 | |
| 2022-02-04 | $0.17 | 2022-02-07 | 2022-02-17 | |
| 2021-11-04 | $0.17 | 2021-11-06 | 2021-11-16 | |
| 2021-08-05 | $0.17 | 2021-08-07 | 2021-08-17 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for FLG — it's generated by the pipeline (
market-narrative step).
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My Notes
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.377 · 1648bd22 · 2026-07-04 14:36:23