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Flagstar Financial, Inc.

FLGยทNYSE

$13.77

-0.76%
Financial ServicesBanks - Regional

Flagstar Financial, Inc. operates as the bank holding company for Flagstar Bank, N.A. that provides banking products and services in the United States. The company's deposit products include interest-bearing checking and money market, savings, non-interest-bearing, and retirement accounts, as well as certificates of deposit. Its loan products comprise multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial and industrial loans; one-to-four family loans; specialty finance loans and leases; warehouse loans; and other loans, such as home equity lines of credit, boat and recreational vehicle indirect lending, point of sale consumer loans, and other consumer loans, including overdraft loans. The company offers cash management products; non-deposit investment and insurance products; and online banking, mobile banking, and bank-by-phone services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as New York Community Bancorp, Inc. and changed its name to Flagstar Financial, Inc. in October 2024. Flagstar Financial, Inc. was founded in 1859 and is headquartered in Hicksville, New York.

At a Glance

Live Snapshot
Market Cap$5.74B
EPS-0.5100
P/E Ratio-27.00
Earnings Date07/24/2026
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Flagstar Financial, Inc. Street Expectations Map

FLG ยท NYSE

Wall Street analysts project that FLG stock may rise significantly over the coming 12 months. The consensus 1-year price target stands at 15.58, with estimates ranging from a low of 14.00 to a high of 17.00.

Lowest Target
14.00
1.67%
Consensus Target
15.58
13.14%
Highest Target
17.00
23.46%

The consensus 1-year price target stands at 15.58, with estimates ranging from a low of 14.00 to a high of 17.00.

Analyst Consensus Analysis

Upside Potential

+13.1%

Moderate upside. Analysts expect positive returns but with limited margin of safety. Consider entry timing.

Analyst Agreement

19.3% spread

High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.

Analyst Conviction

High

Positive outlook with reasonable agreement. Analysts generally optimistic about prospects with manageable uncertainty.

Market Sentiment Insight

Monitor and evaluate: Current analyst consensus suggests limited conviction or near-term catalysts. Stay informed on company developments and reassess positioning as new information emerges.

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Flagstar Financial, Inc. Forward Estimates of Revenue

FLG ยท NYSE
Latest Revenue
4.70B
FY 2025
Avg Estimate
2.54B
FY 2026
Estimate Range
2.33B - 2.63B
Analyst Spread

Forward Growth Analysis

Projected Growth-46.0%

Significant contraction projectedโ€”major business challenges or industry disruption likely.

Analyst Coverage9 Analysts

Moderate coverageโ€”sufficient for guidance but may lack depth of large-cap analysis.

Estimate Spread12%

Reasonable estimate spread indicates general agreement with normal forecast variance.

OutlookPositive

Generally favorable outlook with reasonable growth prospects and analyst support.

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Flagstar Financial, Inc. Forward Estimates of Net Income

FLG ยท NYSE
Latest Net Income
-177.00M
FY 2025
Avg Estimate
169.03M
FY 2026
Estimate Range
105.64M - 232.42M
Analyst Spread

Forward Growth Analysis

Projected Growth+195.5%

Strong growth expectations signal robust business momentum and market opportunity expansion.

Analyst Coverage9 Analysts

Moderate coverageโ€”sufficient for guidance but may lack depth of large-cap analysis.

Estimate Spread75%

Wide estimate range reveals significant forecast uncertainty and potential volatility.

OutlookPositive

Generally favorable outlook with reasonable growth prospects and analyst support.

Key Insight

High forecast uncertainty: Wide estimate range indicates analysts struggling to predict outcomesโ€”suggests elevated risk and potential volatility.

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Flagstar Financial, Inc. Forward Estimates of EPS

FLG ยท NYSE
Latest EPS
-0.51
FY 2025
Avg Estimate
$0.58
FY 2026
Estimate Range
$0.32 - $0.70
Analyst Spread

Forward Growth Analysis

Projected Growth+214.5%

Strong growth expectations signal robust business momentum and market opportunity expansion.

Analyst Coverage14 Analysts

Good analyst coverage ensures reliable estimates with diverse professional perspectives.

Estimate Spread66%

Wide estimate range reveals significant forecast uncertainty and potential volatility.

OutlookPositive

Generally favorable outlook with reasonable growth prospects and analyst support.

Key Insight

High forecast uncertainty: Wide estimate range indicates analysts struggling to predict outcomesโ€”suggests elevated risk and potential volatility.

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Flagstar Financial, Inc. Forward Estimates of EBIT

FLG ยท NYSE
Latest EBIT
-198.00M
FY 2025
Avg Estimate
480.99M
FY 2026
Estimate Range
441.38M - 497.96M
Analyst Spread

Forward Growth Analysis

Projected Growth+342.9%

Strong growth expectations signal robust business momentum and market opportunity expansion.

Analyst Coverage9 Analysts

Moderate coverageโ€”sufficient for guidance but may lack depth of large-cap analysis.

Estimate Spread12%

Reasonable estimate spread indicates general agreement with normal forecast variance.

OutlookStrong

Positive analyst consensus with strong growth expectations and forecast confidence.

Key Insight

Compelling growth story with analyst consensus: Strong projected growth combined with narrow estimate spread suggests high-conviction opportunity.

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Flagstar Financial, Inc. Forward Estimates of EBITDA

FLG ยท NYSE
Latest EBITDA
-198.00M
FY 2025
Avg Estimate
527.78M
FY 2026
Estimate Range
484.32M - 546.41M
Analyst Spread

Forward Growth Analysis

Projected Growth+366.6%

Strong growth expectations signal robust business momentum and market opportunity expansion.

Analyst Coverage9 Analysts

Moderate coverageโ€”sufficient for guidance but may lack depth of large-cap analysis.

Estimate Spread12%

Reasonable estimate spread indicates general agreement with normal forecast variance.

OutlookStrong

Positive analyst consensus with strong growth expectations and forecast confidence.

Key Insight

Compelling growth story with analyst consensus: Strong projected growth combined with narrow estimate spread suggests high-conviction opportunity.

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Flagstar Financial, Inc. Forward Estimates of SG&A Expense

FLG ยท NYSE
Latest SG&A Expense
1.18B
FY 2025
Avg Estimate
714.65M
FY 2026
Estimate Range
655.80M - 739.88M
Analyst Spread

Forward Growth Analysis

Projected Growth-39.3%

Significant contraction projectedโ€”major business challenges or industry disruption likely.

Analyst Coverage9 Analysts

Moderate coverageโ€”sufficient for guidance but may lack depth of large-cap analysis.

Estimate Spread12%

Reasonable estimate spread indicates general agreement with normal forecast variance.

OutlookPositive

Generally favorable outlook with reasonable growth prospects and analyst support.

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Flagstar Financial, Inc. Insider Positioning

FLG ยท NYSE

During the last 12 months, there has been no insider trading activity reported for FLG.

3 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

3-6 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

6-9 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

9-12 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

Top Buyers

No buying activity

Top Sellers

No selling activity

Insider Activity Analysis

Net Insider Sentiment

Neutral

No insider trading activity reported. This could indicate blackout periods, lack of conviction, or regulatory restrictions.

Insider Participation

No Activity

No insider trading activity reported from any insiders in the past year.