FLG Flagstar Financial, Inc.

QT35

NYSE·Financial Services·Banks - Regional·USA

Latest market price

10.75

+0.24+2.28%

Overview Short InterestFilings

FLGQT35Flagstar Financial, Inc.·NYSE

Overview Short InterestFilings

10.75+2.28%

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Signal & projected range

Analyst consensus risingHistorical pattern — not a prediction

Recent priceDays this stock last showed the setupRange of past outcomes (±1σ)

Horizon

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Over the next 20 trading days, similar setups historically landed in a measured range of outcomes. Unlock with Premium to see the median return, the typical range, and how often they were positive. This is the historical range of outcomes — not a prediction of this stock’s price.

Ranges describe how this exact setup resolved in the past — derived from thousands of historical occurrences across QuoTrend’s coverage since 2006, survivorship-corrected to include companies that later delisted. The band is the typical spread (±1σ) of those outcomes, not a forecast; the central value is their average move. Fewer matching cases over longer horizons widen the band and lower its reliability. Backtested results are hypothetical, based on historical data, and do not represent actual trading. Past performance does not guarantee or predict future results. QuoTrend is an educational research tool, not investment advice. Markets involve risk, including loss of principal.

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Snapshot

Index	—	P/E	76.79	EPS (ttm)	0.14	Insider Own	3.13%	Shs Outstand	415.09M	Perf Week	5.19%

Market Cap	4.46B	Forward P/E	13.78	EPS next Y	0.78	Insider Trans	0.00%	Shs Float	289.53M	Perf Month	-8.12%

Enterprise Value	14.92B	PEG	0.33	EPS next Q	0.05			Short Float	15.78%	Perf Quarter	-24.61%

Income	96.00M	P/S	1.04	EPS this Y	—			Short Ratio	9.55	Perf Half Y	-22.44%

Sales	4.29B	P/B	0.58	EPS next Y	476.58%	ROA	0.11%	Short Interest	45.70M	Perf YTD	-14.61%

Book/sh	18.42	P/C	0.27	EPS next 5Y	233.05%	ROE	1.20%	52W High	15.44 -30.38%	Perf Year	-4.02%

Cash/sh	40.42	P/FCF	—	EPS past 3/5Y	—	ROIC	0.55%	52W Low	9.93 8.26%	Perf 3Y	-63.69%

Dividend Est.	0.04 (0.37%)	EV/EBITDA	58.96	Sales past 3/5Y	29.18% 21.56%	Gross Margin	45.95%	Volatility	2.48% 2.68%	Perf 5Y	-74.35%

Dividend TTM	0.04 (0.37%)	EV/Sales	3.48	EPS Y/Y TTM	—	Oper. Margin	2.68%	ATR (14)	0.33	Perf 10Y	-74.39%

Dividend Ex-Date	Dec 07, 2026	Quick Ratio	—	Sales Y/Y TTM	-15.24%	Profit Margin	2.24%	RSI (14)	40.35	Recom	2.33

Dividend Gr. 3/5Y	-73.03% -54.45%	Current Ratio	—	EPS Q/Q	109.09%	SMA20	-1.70%	Beta	1.11	Target Price	14.78

Payout	37.50%	Debt/Eq	1.43	Sales Q/Q	-6.80%	SMA50	-10.79%	Rel Volume	1.14	Prev Close	10.51

Employees	5,631	LT Debt/Eq	1.43	Earnings	Jan 29	SMA200	-19.95%	Avg Volume	5.45M	Price	10.75

IPO Date	Nov 23, 1993	Option/Short	Yes / Yes	EPS/Sales Surpr.	-86.17% -2.77%	Net Debt/EBITDA	-23.08	Volume	6,225,064	Change	2.28%

Analyst Ratings

Date	Action	Analyst	Rating	Target
Oct-27-26	Reiterated	UBS	Buy	$18 → $15
Oct-26-26	Reiterated	Morgan Stanley	Overweight	$16 → $15
Oct-26-26	Reiterated	Truist Securities	Buy	$15 → $13
Oct-26-26	Reiterated	Barclays	Overweight	$17 → $14
Oct-26-26	Reiterated	RBC Capital	Sector Perform	$15 → $12
Oct-23-26	Reiterated	Jefferies		$16 → $13
Oct-09-26	Reiterated	Truist Securities	Buy	$12 → $15
Sep-28-26	Reiterated	Morgan Stanley	Overweight	$17 → $16
Sep-08-26	Upgrade	Morgan Stanley	Equal Weight → Overweight	$14 → $17
Jul-15-26	Reiterated	Cantor Fitzgerald	Overweight	$16 → $17

Latest News· Times ET

Oct-28-26

Oct-28-2602:56PM

FLG Cuts NII & EPS Outlook, Pushes 2027 Profitability Target to 2028zacks.com

08:30AM

FLAGSTAR BANK, N.A. DECLARES QUARTERLY CASH DIVIDENDS ON ITS COMMON STOCK AND PREFERRED STOCKSprnewswire.com

Oct-27-26

Oct-27-2603:21AM

Cantor Fitzgerald Reiterates Overweight on Flagstar Bank, Maintains $16 Price TargetBenzinga

Oct-26-26

Oct-26-2607:20PM

Flagstar Investigation Notice: SueWallSt Notifies Investors of Pending Investigation Into Flagstar (FLG)prnewswire.com

12:41PM

Flagstar Financial Analysts Slash Their Forecasts Following Q3 Earningsbenzinga.com

10:23AM

Flagstar Bank: Living Up To The Value Trap Nameseekingalpha.com

Oct-25-26

Oct-25-2608:45AM

Flagstar Bank: High Margin Of Safety, Despite Credit Issuesseekingalpha.com

Oct-23-26

Oct-23-2601:07PM

Flagstar Bank, National Association (FLG) Q3 2026 Earnings Call Transcriptseekingalpha.com

12:16PM

Flagstar Stock Drops to New 52-Week Low After Mixed Q3 Resultsbenzinga.com

12:06PM

What Flagstar Bank, National Association (FLG) Said on Its Q3 Earnings Callmarketbeat.com

10:31AM

Flagstar Bank (FLG) Q3 Earnings: How Key Metrics Compare to Wall Street Estimateszacks.com

08:11AM

Flagstar Bank (FLG) Q3 Earnings and Revenues Miss Estimateszacks.com

06:00AM

FLAGSTAR BANK REPORTS THIRD QUARTER 2026 NET INCOME ATTRIBUTABLE TO COMMON STOCKHOLDERS OF $0.01 PER DILUTED SHAREprnewswire.com

Oct-20-26

Oct-20-2609:00AM

Trustmark (TRMK) Earnings Expected to Grow: Should You Buy?Yahoo

Oct-16-26

Oct-16-2611:00AM

Flagstar Bank (FLG) Earnings Expected to Grow: What to Know Ahead of Next Week's Releasezacks.com

Company

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.

Ownership

Per-holder 13F data hasn't been ingested for this ticker yet.

Financial Statements

DataTimeframe

Line Item (USD, M)	TTM —	FY 2025 12/31/2025	FY 2024 12/31/2024	FY 2023 12/31/2023	FY 2022 12/31/2022	FY 2021 12/31/2021	FY 2020 12/31/2020	FY 2019 12/31/2019	FY 2018 12/31/2018
Total Revenue	4,287	4,695	6,384	6,047	—	—	—	—	—
Cost of Goods Sold Incl. D&A	2,317	2,929	4,893	3,247	—	—	—	—	—
Gross Profit	1,970	1,766	1,491	2,800	—	—	—	—	—
Selling, General and Administrative Excl. Other	1,030	1,178	2,385	1,899	—	—	—	—	—
Research and Development	0	0	0	0	—	—	—	—	—
Other Operating Expense	825	786	484	951	—	—	—	—	—
Operating Income	115	-198	-1,378	-50	—	—	—	—	—
Interest Expense	2,220	2,745	3,801	2,414	—	—	—	—	—
Unusual Expense	—	—	—	—	—	—	—	—	—
Non-Operating Income (Expense)	2,220	2,745	3,801	2,414	—	—	—	—	—
Net Income Before Taxes	115	-198	-1,378	-50	—	—	—	—	—
Income Taxes	19	-21	-260	29	—	—	—	—	—
Consolidated Net Income	96	-177	-1,118	-79	—	—	—	—	—
Net Income From Continuing Operations	96	-177	-1,118	-79	—	—	—	—	—
Net Income	96	-177	-1,118	-79	—	—	—	—	—
EPS (Recurring)	0.15	-0.51	-3.49	-0.49	—	—	—	—	—
EPS (Basic, Before Extraordinaries)	0.15	-0.51	-3.49	-0.49	—	—	—	—	—
EPS (Diluted)	0.14	-0.51	-3.49	-0.49	—	—	—	—	—
EBITDA	253	-50	-1,194	115	—	—	—	—	—
Other After Tax Adjustments	—	—	—	—	—	—	—	—	—
Stock Option Compensation Expense	—	—	—	—	—	—	—	—	—
Price To Earnings Ratio	76.79	—	—	—	—	—	—	—	—
Price To Sales Ratio	1.03	1.11	0.47	1.21	—	—	—	—	—
Gross Margin	45.95	37.61	23.36	46.30	—	—	—	—	—
Operating Margin	2.68	-4.22	-21.59	-0.83	—	—	—	—	—
Net Margin	2.24	-3.77	-17.51	-1.31	—	—	—	—	—
Shares Outstanding	411	415	320	238	—	—	—	—	—
Market Capitalization	4,418	5,225	2,986	7,304	—	—	—	—	—
Operating Lease Expense	—	—	—	—	—	—	—	—	—

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Insider Trading Volume

Insider Trading

Insider	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
MNUCHIN STEVEN T	Director, 10% Owner	Mar 27 '25	Option Exercise	0.00	10,357	0	23,999	Mar 31
Davis Reginald E	Sr EVP & President of Banking	Nov 02 '23	Sale	9.84	11,000	108,207	70,416	Nov 07
Davis Reginald E	Sr EVP & President of Banking	Aug 14 '23	Sale	12.60	24,000	302,390	81,416	Aug 16
Davis Reginald E	Sr EVP & President of Banking	Feb 07 '23	Sale	9.97	4,600	45,863	123,033	Feb 07
Rosenfeld Ronald A.	Director	Feb 06 '23	Buy	24.57	30,800	756,756	30,800	Feb 06
Lux Marshall	Director	Feb 03 '23	Buy	10.05	5,000	50,275	17,000	Feb 03
CARPENTER JAMES J	Sr.EVP & Chief Lending Officer	May 14 '10	Option Exercise	8.65	11,564	100,029	60,494	May 17
TSIMBINOS JOHN M	Director	Apr 12 '10	Sale	17.50	25,000	437,500	0	Apr 14
KUPFERBERG MAX L	Director	Apr 08 '10	Sale	17.02	1,100	18,721	705,260	Apr 09
KUPFERBERG MAX L	Director	Apr 07 '10	Sale	17.02	1,900	32,338	706,360	Apr 09
KUPFERBERG MAX L	Director	Apr 06 '10	Sale	17.00	17,000	289,024	708,260	Apr 07
TSIMBINOS JOHN M	Director	Mar 17 '10	Sale	17.00	25,000	425,000	25,000	Mar 18
TSIMBINOS JOHN M	Director	Mar 16 '10	Sale	16.75	25,000	418,750	50,000	Mar 18
ODONOVAN JAMES J	Director	Mar 12 '10	Sale	16.54	35,000	578,900	651,346	Mar 16
TSIMBINOS JOHN M	Director	Mar 11 '10	Sale	16.50	25,000	412,500	75,000	Mar 11

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QuoTrend signals describe historical patterns and statistics — educational information, not investment advice or a recommendation to buy or sell. Past performance doesn’t guarantee future results. Every figure traces to QuoTrend data. Historical patterns — not a prediction or advice.