Flagstar Financial, Inc. logo

Flagstar Financial, Inc.

FLG

NYSEFinancial ServicesBanks - Regional

Previous close

$13.47

−$0.02 · -0.15%

Aug 21, 4:00 PM ET

FLG company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

55

Fair Value

Momentum

50

Neutral

Sentiment

52

Mixed

Risk resilience

79

Moderate Risk

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Company profile

Company website

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.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Joseph Otting
Listed since
Nov 23, 1993
Employees
5,631

Market position

Day range

Current $13.47

52-week range

Current $13.47

Open
$13.63
Previous close
$13.49
Volume
2.97M
0.64× average
Average volume
4.66M
Average daily volume
Market cap
5.61B USD
Beta
1
Market reference 1
50-day average
$14.5316
-7.31% below average
200-day average
$13.4786
-0.06% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
16.86B USD
P/E (TTM)
395.01×
P/B (TTM)
0.69×
P/S (TTM)
1.29×
EV / EBITDA
-337.2×
Earnings yield
-3.38%
Free cash flow yield
-11.49%
Dividend yield
0.30%

Profitability & efficiency

Gross margin
44.96%
Operating margin
1.92%
Net margin
1.10%
Return on equity
-2.17%
Return on assets
-0.20%
Return on invested capital
1.34%

Financial health

Debt / equity
1.34×
Current ratio
0.54×
Altman Z-score
0.31
Piotroski F-score
5 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends87%47%8%-31%Gross margin, FY2021: 76.97%Gross margin, FY2022: 61.94%Gross margin, FY2023: 46.30%Gross margin, FY2024: 23.36%Gross margin, FY2025: 37.61%Operating margin, FY2021: 46.06%Operating margin, FY2022: 37.92%Operating margin, FY2023: -0.83%Operating margin, FY2024: -21.59%Operating margin, FY2025: -4.22%Net margin, FY2021: 34.06%Net margin, FY2022: 29.84%Net margin, FY2023: -1.31%Net margin, FY2024: -17.51%Net margin, FY2025: -3.77%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 76.97%. Gross margin FY2022 61.94%. Gross margin FY2023 46.30%. Gross margin FY2024 23.36%. Gross margin FY2025 37.61%. Operating margin FY2021 46.06%. Operating margin FY2022 37.92%. Operating margin FY2023 -0.83%. Operating margin FY2024 -21.59%. Operating margin FY2025 -4.22%. Net margin FY2021 34.06%. Net margin FY2022 29.84%. Net margin FY2023 -1.31%. Net margin FY2024 -17.51%. Net margin FY2025 -3.77%.

Income trends

Revenue

4.7B USD-26.46%

Operating income

−198M USD+85.63%

Net income

−177M USD+84.17%
Income trends across reported periods7.16B USD4.06B USD950.6M USD−2.15B USDRevenue, FY2021: 1.75B USDRevenue, FY2022: 2.18B USDRevenue, FY2023: 6.05B USDRevenue, FY2024: 6.38B USDRevenue, FY2025: 4.7B USDOperating income, FY2021: 806M USDOperating income, FY2022: 826M USDOperating income, FY2023: −50M USDOperating income, FY2024: −1.38B USDOperating income, FY2025: −198M USDNet income, FY2021: 596M USDNet income, FY2022: 650M USDNet income, FY2023: −79M USDNet income, FY2024: −1.12B USDNet income, FY2025: −177M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.75B USD. Revenue FY2022 2.18B USD. Revenue FY2023 6.05B USD. Revenue FY2024 6.38B USD. Revenue FY2025 4.7B USD. Operating income FY2021 806M USD. Operating income FY2022 826M USD. Operating income FY2023 −50M USD. Operating income FY2024 −1.38B USD. Operating income FY2025 −198M USD. Net income FY2021 596M USD. Net income FY2022 650M USD. Net income FY2023 −79M USD. Net income FY2024 −1.12B USD. Net income FY2025 −177M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue4.7B USD6.38B USD6.05B USD2.18B USD1.75B USD
Cost of goods sold2.93B USD4.89B USD3.25B USD829M USD403M USD
Gross profit1.77B USD1.49B USD2.8B USD1.35B USD1.35B USD
Selling, general, and administrative1.18B USD2.39B USD1.9B USD512M USD430M USD
Operating expenses1.96B USD2.87B USD2.85B USD523M USD541M USD
Interest income4.47B USD5.95B USD5.49B USD2.09B USD1.69B USD
Interest expense2.75B USD3.8B USD2.41B USD696M USD400M USD
Depreciation and amortization148M USD184M USD165M USD23M USD21M USD
Operating income−198M USD−1.38B USD−50M USD826M USD806M USD
Net income−177M USD−1.12B USD−79M USD650M USD596M USD

Company facts updated Aug 24, 2026.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

15 ratings
Strong buy00%
Buy853%
Hold747%
Sell00%
Strong sell00%

FLG news

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