
Flagstar Financial, Inc.
FLGNYSEFinancial ServicesBanks - Regional
Previous close
$13.47
−$0.02 · -0.15%
FLG company overview
Regular session · ET · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
GoAI score
Hold
Wait — insufficient conviction to act
Valuation
55
Fair Value
Momentum
50
Neutral
Sentiment
52
Mixed
Risk resilience
79
Moderate Risk
Full GoAI research
Thesis, catalysts, evidence, and risk analysis.
AI-generated, informational only, and not investment advice.
Company profile
Company websiteFlagstar 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 / TTMValuation & 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.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 4.7B USD | 6.38B USD | 6.05B USD | 2.18B USD | 1.75B USD |
| Cost of goods sold | 2.93B USD | 4.89B USD | 3.25B USD | 829M USD | 403M USD |
| Gross profit | 1.77B USD | 1.49B USD | 2.8B USD | 1.35B USD | 1.35B USD |
| Selling, general, and administrative | 1.18B USD | 2.39B USD | 1.9B USD | 512M USD | 430M USD |
| Operating expenses | 1.96B USD | 2.87B USD | 2.85B USD | 523M USD | 541M USD |
| Interest income | 4.47B USD | 5.95B USD | 5.49B USD | 2.09B USD | 1.69B USD |
| Interest expense | 2.75B USD | 3.8B USD | 2.41B USD | 696M USD | 400M USD |
| Depreciation and amortization | 148M USD | 184M USD | 165M USD | 23M USD | 21M USD |
| Operating income | −198M USD | −1.38B USD | −50M USD | 826M USD | 806M USD |
| Net income | −177M USD | −1.12B USD | −79M USD | 650M USD | 596M USD |
Company facts updated Aug 24, 2026.
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Rating distribution
15 ratingsFLG news
FLG peers
ETFs holding FLG
Funds reporting this stock among their holdings, ordered by reported position size.
iShares Core S&P Mid-Cap ETFIJH145.24M0.11%125.92B USD0.05%$76.77+0.52%
Vanguard Morningstar Total Stock Market ETFVTI122.83M0.01%2.3T USD0.03%$378.24+0.44%
iShares Russell 2000 ETFIWM106.64M0.13%81.62B USD0.19%$299.96+0.77%
Vanguard Morningstar Small-Cap ETFVB88.59M0.05%183.4B USD0.03%$304.76+0.64%
Vanguard Morningstar Small-Cap Value ETFVBR56.25M0.08%68.3B USD0.05%$249.18+0.68%
Vanguard Extended Market ETFVXF49.14M0.05%93.7B USD0.05%$245.53+0.82%
State Street SPDR S&P Regional Banking ETFKRE48.96M1.21%4.06B USD0.35%$74.86+0.20%
iShares Russell 2000 Value ETFIWN39M0.27%14.66B USD0.24%$224.81+0.45%
iShares Core S&P Mid-Cap ETFIJH- Market value
- 145.24M
- Weight
- 0.11%
- AUM
- 125.92B USD
- Expense ratio
- 0.05%
- Price / 1D
- $76.77+0.52%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 122.83M
- Weight
- 0.01%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
iShares Russell 2000 ETFIWM- Market value
- 106.64M
- Weight
- 0.13%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $299.96+0.77%
Vanguard Morningstar Small-Cap ETFVB- Market value
- 88.59M
- Weight
- 0.05%
- AUM
- 183.4B USD
- Expense ratio
- 0.03%
- Price / 1D
- $304.76+0.64%
Vanguard Morningstar Small-Cap Value ETFVBR- Market value
- 56.25M
- Weight
- 0.08%
- AUM
- 68.3B USD
- Expense ratio
- 0.05%
- Price / 1D
- $249.18+0.68%
Vanguard Extended Market ETFVXF- Market value
- 49.14M
- Weight
- 0.05%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $245.53+0.82%
State Street SPDR S&P Regional Banking ETFKRE- Market value
- 48.96M
- Weight
- 1.21%
- AUM
- 4.06B USD
- Expense ratio
- 0.35%
- Price / 1D
- $74.86+0.20%
iShares Russell 2000 Value ETFIWN- Market value
- 39M
- Weight
- 0.27%
- AUM
- 14.66B USD
- Expense ratio
- 0.24%
- Price / 1D
- $224.81+0.45%
Continue in GoAI
Research FLGresearch.disclaimer











