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FLG · Flagstar Bank, National Association
NEW YORK STOCK EXCHANGE, INC. - Real Time Price • USD
$10.44
-1.02
(-8.86%)
● Market open
DAY'S RANGE
$10.44
$10.29
$11.04
52-WEEK RANGE
$10.44
$10.57
$15.44
What's happening
- FLG is down 8.86% today, trading at $10.44. — Live quote
- It's trading within 3% of its 52-week low ($10.57). (Finnhub fundamentals)
- Volume today (795,881) is well below its 3-month average of 4,981,470. (Finnhub fundamentals)
- Reports earnings on 2026-10-23 (before market open), 0 days away. (Finnhub earnings calendar)
- Last quarter's EPS missed estimates: $0.01 actual vs. $0.08 estimated (-87.5%). (Finnhub earnings history)
Deterministic template sentences filled in from the same sourced figures shown elsewhere on this page -- not an AI-written summary, no live model call.
Key Statistics
Analyst Recommendations
Strong buy 3
Buy 12
Hold 7
Sell 0
Strong sell 0
Aggregate ratings for 2026-10-01 (22 analysts polled by Finnhub) — consensus count.
Performance Overview (Trailing returns vs S&P 500 benchmark)
YTD RETURN
FLG
-12.07%
vs S&P 500
-25.44%
1-YEAR RETURN
FLG
-3.99%
vs S&P 500
-19.15%
6-MONTH RETURN
FLG
-24.44%
3-MONTH RETURN
FLG
-25.60%
Earnings Trends (Quarterly EPS Actual vs Estimate)
2026-10-23 (Q3 2026)
$0.01
Est. $0.08
MISS -87.5%
2026-07-26 (Q2 2026)
$0.05
Est. $0.07
MISS -26.1%
2026-04-26 (Q1 2026)
$0.04
Est. $0.03
BEAT +22.3%
2026-01-26 (Q4 2025)
$0.06
Est. $0.02
BEAT +176.5%
Valuation Measures & Ratios
Enterprise Value4$5.67B
Forward P/E511.69
PEG Ratio60.32
Price / Sales (TTM1)—
Price / Book70.77
EV4 / Revenue—
EV4 / EBITDA—
Profit Margin—
Operating Margin—
Return on Equity (ROE8)0.59%
Return on Assets (ROA9)0.05%
Avg Volume (3M)4,981,470
Quarterly history (5 periods)
| Measure | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 |
|---|---|---|---|---|---|
| Market cap | $8.47B | $9.21B | $3.77B | $3.89B | $4.45B |
| P/E | -166.11 | -49.79 | -7.76 | -5.03 | -4.32 |
| Price/Book | 1.04 | 1.13 | 0.47 | 0.48 | 0.55 |
| ROE | -0.63% | -2.28% | -5.99% | -9.55% | -12.63% |
| ROA | -0.06% | -0.21% | -0.53% | -0.84% | — |
Trailing-twelve-month ratios computed from SEC EDGAR quarterly figures and historical daily close prices (Alpaca). Diluted shares are derived from Net income ÷ EPS (diluted) for each quarter, not separately reported. Forward P/E/PEG unavailable (no free data source).
Glossary — what these abbreviations mean
- 1. TTM
- Trailing twelve months — the sum of the last four reported quarters, not a calendar year or the single latest quarter.
- 2. EPS
- Earnings per share — net income divided by diluted shares outstanding.
- 3. Beta
- A stock's historical volatility relative to the overall market. Above 1 means it has moved more than the market; below 1, less.
- 4. EV (Enterprise Value)
- Market cap plus total debt minus cash — roughly what it would cost to buy the whole company, debt included.
- 5. Forward P/E
- Price divided by analysts' estimated earnings for the next 12 months, instead of trailing actual earnings.
- 6. PEG Ratio
- P/E divided by expected earnings growth rate. A lower number can indicate a stock is cheap relative to how fast it's expected to grow.
- 7. Price / Book
- Share price divided by book value (assets minus liabilities) per share.
- 8. ROE
- Return on equity — net income divided by shareholders' equity, a measure of how efficiently a company turns equity into profit.
- 9. ROA
- Return on assets — net income divided by total assets, a measure of how efficiently a company turns assets into profit.
- 10. MRQ
- Most recent quarter — the single latest reported period, as opposed to TTM. The Financials section's "Quarterly" view below shows MRQ-style figures.
- 11. YoY
- Year over year — percent change versus the same period one year earlier, used for growth figures like those on Compare cards and the Screener.
Short Interest
Shares Short47,107,679
Change from Prior Settlement+18.37%
% of Float—
Days to Cover (Short Ratio)8.50
Source: FINRA Rule 4560 consolidated short interest, settlement date 2026-09-30. Reported bi-monthly with a reporting lag — not real-time.
Quotes and the 1-day extended-hours chart: Yahoo Finance. Longer historical charts: Alpaca (IEX feed) — real-time but IEX-only volume (~2.5% of consolidated market volume). Fundamentals + earnings: Finnhub.
Price history
Events
Drag horizontally to zoom into a section; use Reset view to restore all observations.
Technical signal summary
Calculating from the latest year of daily price history…
Show Technical Analysis Breakdown ▾ 10 Indicators
Not investment advice — read several signals together.
Indicators None active
Loading chart…
History limited by data provider; markers are heuristics, not signals.
Peer and sector context
No reviewed peer group is available for this symbol.
Balanced evidence
A deterministic summary of sourced facts—not an AI verdict.
Potential strengths
- Latest SEC filing is Form 8-K, filed 2026-10-23; review it for current changes and risks. SEC EDGAR ↗
Potential concerns
- Trailing 52-week price return is -4.0%. Finnhub market metrics ↗
- Trailing P/E is 96.6, a high price relative to reported earnings. Finnhub fundamentals ↗
Rule-based facts only; absence from either side is not evidence, and this is not a recommendation.
More on FLG
No accessible free API for these — links go to the source directly.
Financials
Fundamental trends
Visualized from the same SEC figures in the tables below.
Income statement
| Line item | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 | Sep '24 | Jun '24 | Mar '24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Net income | $34.0M | $21.0M | -$36.0M | -$70.0M | -$100.0M | -$280.0M | -$323.0M | -$327.0M |
| EPS (diluted) | $0.06 | $0.03 | $-0.11 | $-0.19 | $-0.26 | $-0.79 | $-1.14 | $-0.45 |
| EPS (basic) | $0.06 | $0.03 | $-0.11 | $-0.19 | $-0.26 | $-0.79 | $-1.14 | $-0.45 |
Balance sheet
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $87.71B | $87.13B | $87.51B | $91.67B | $92.24B | — | $100.16B | $114.37B |
| Total liabilities | $79.57B | $79.01B | $79.37B | $83.56B | $84.14B | — | $91.99B | $105.80B |
| Stockholders' equity | $8.14B | $8.12B | $8.14B | $8.11B | $8.10B | $8.15B | $8.17B | $8.57B |
| Cash & equivalents | — | — | — | $8.48B | $8.09B | — | $15.43B | $23.08B |
| Marketable securities (current) | — | — | — | $15.11B | $14.84B | — | $10.42B | $10.53B |
| Property, plant & equipment | $472.0M | $474.0M | $477.0M | $464.0M | $474.0M | — | $562.0M | $649.0M |
| Goodwill | — | — | — | — | — | — | $0 | — |
| Intangible assets | $333.0M | $356.0M | $381.0M | $407.0M | $433.0M | — | $488.0M | $519.0M |
| Short-term debt | $4.25B | $3.50B | $4.00B | — | — | — | $2.75B | — |
| Long-term debt | $6.69B | $7.68B | $8.18B | $13.18B | $13.18B | — | $11.68B | $20.33B |
| Common stock & paid-in capital | $4.0M | $4.0M | $4.0M | $4.0M | $4.0M | — | $4.0M | $4.0M |
| Retained earnings | -$958.0M | -$980.0M | -$988.0M | -$1.01B | -$957.0M | — | -$763.0M | -$562.0M |
| Accumulated other comprehensive income (loss) | -$547.0M | -$528.0M | -$489.0M | -$495.0M | -$542.0M | — | -$640.0M | -$421.0M |
Cash flow
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $226.0M | -$118.0M | -$189.0M | $243.0M | $355.0M | -$590.0M | $623.0M | -$1.04B |
| Investing cash flow | -$2.56B | $1.41B | $1.77B | $757.0M | $589.0M | -$425.0M | $4.45B | $9.83B |
| Financing cash flow | $424.0M | -$188.0M | -$4.16B | -$612.0M | -$5.42B | -$1.90B | -$12.67B | -$4.69B |
| Capital expenditures | — | — | — | — | — | — | — | — |
| Depreciation & amortization | $33.0M | $35.0M | $72.0M | — | $37.0M | $39.0M | $184.0M | — |
| Share-based compensation | $19.0M | $14.0M | $15.0M | $17.0M | $14.0M | $15.0M | $16.0M | $17.0M |
| Deferred income taxes | -$15.0M | $46.0M | $34.0M | -$17.0M | -$54.0M | -$26.0M | -$182.0M | -$76.0M |
| Purchases of investments | $3.21B | $0 | $1.70B | $668.0M | $2.66B | $2.67B | $833.0M | $200.0M |
| Sales/maturities of investments | $1.13B | $1.12B | $1.02B | $538.0M | $581.0M | $375.0M | $574.0M | $496.0M |
| Other investing activities | -$23.0M | -$9.0M | -$5.0M | -$9.0M | -$5.0M | $0 | -$21.0M | $0 |
| Share repurchases | — | — | — | — | — | — | $0 | — |
| Debt issued | $500.0M | $1.50B | $3.50B | $0 | $500.0M | $0 | $15.99B | $1.45B |
| Debt repaid | $1.50B | $1.00B | $5.00B | $500.0M | $1.00B | $0 | $18.59B | $3.70B |
| Tax withholding on stock comp | — | — | — | $2.0M | $5.0M | — | $1.0M | $1.0M |
| Other financing activities | -$3.0M | -$7.0M | -$9.0M | — | -$243.0M | $332.0M | $17.0M | — |
Income statement
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Revenue | — | — | — | $27.0M | $23.0M |
| Net income | -$177.0M | -$1.12B | -$79.0M | $650.0M | $596.0M |
| EPS (diluted) | $-0.50 | $-3.49 | $-0.49 | $3.77 | $1.20 |
| EPS (basic) | $-0.50 | $-3.49 | $-0.49 | $3.78 | $1.20 |
| Net margin | — | — | — | $2.4K | $2.6K |
Balance sheet
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Total assets | $87.51B | $100.16B | $114.06B | $90.14B | $59.53B |
| Total liabilities | $79.37B | $91.99B | $105.69B | $81.32B | $52.48B |
| Stockholders' equity | $8.14B | $8.17B | $8.37B | $8.82B | $7.04B |
| Cash & equivalents | — | $15.43B | $11.47B | $2.03B | $2.21B |
| Marketable securities (current) | — | $10.42B | $9.16B | — | — |
| Property, plant & equipment | $477.0M | $562.0M | $652.0M | $491.0M | $270.0M |
| Goodwill | — | $0 | $0 | $2.43B | $2.43B |
| Intangible assets | $381.0M | $488.0M | $625.0M | $287.0M | — |
| Short-term debt | $4.00B | $2.75B | — | — | — |
| Long-term debt | $8.18B | $11.68B | $21.27B | $21.33B | — |
| Common stock & paid-in capital | $4.0M | $4.0M | $2.0M | $7.0M | $5.0M |
| Retained earnings | -$988.0M | -$763.0M | $443.0M | $1.04B | $741.0M |
| Accumulated other comprehensive income (loss) | -$489.0M | -$640.0M | -$599.0M | -$620.0M | -$85.0M |
Cash flow
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Operating cash flow | -$181.0M | $86.0M | $263.0M | $1.03B | $290.0M |
| Investing cash flow | $2.69B | $15.45B | $20.67B | -$6.32B | -$2.76B |
| Financing cash flow | -$12.09B | -$11.59B | -$11.41B | $5.17B | $2.73B |
| Capital expenditures | — | — | — | — | — |
| Depreciation & amortization | $148.0M | $184.0M | $165.0M | — | — |
| Share-based compensation | $61.0M | $54.0M | $47.0M | $29.0M | $31.0M |
| Deferred income taxes | -$63.0M | -$411.0M | -$187.0M | -$3.0M | -$13.0M |
| Purchases of investments | $7.69B | $3.44B | $3.05B | $2.24B | $1.80B |
| Sales/maturities of investments | $2.52B | $2.10B | $1.40B | $732.0M | $1.73B |
| Other investing activities | -$19.0M | -$21.0M | -$30.0M | — | — |
| Share repurchases | — | $0 | $0 | $7.0M | $0 |
| Debt issued | $4.00B | $28.24B | $19.85B | $9.48B | $2.07B |
| Debt repaid | $6.50B | $30.84B | $19.37B | $13.96B | $2.54B |
| Tax withholding on stock comp | — | $11.0M | $12.0M | $17.0M | $16.0M |
| Other financing activities | $80.0M | $17.0M | -$78.0M | — | — |
Source: SEC EDGAR XBRL filings (10-Q/10-K), as originally tagged by the company. Quarterly cash flow is reconstructed by de-cumulating fiscal-year-to-date figures (how cash flow is tagged in 10-Qs); other quarterly lines are reported directly.
Institutional holders
SEC Form 13F filers holding FLG as of the latest reported quarter. 13F only covers investment managers with $100M+ in assets — this is not a complete ownership picture, and does not include insiders (see Recent SEC filings below) or non-13F-eligible holders.
Institutional ownership is not available for this symbol right now.
Insider activity
Directors, officers, and 10%+ owners' reported transactions from SEC Form 4. A filing reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR Form 4 filings · checked 25 most recent filings · covers 2025-03-04 to 2026-10-15
Recent transactions
- Most recent: Marx Bryan (EVP & Princ Accounting Officer) — Tax withholding of 2,701 shares on 2026-10-15.
Deterministic template sentences filled in from the SEC Form 4 figures in the tables below -- not an AI-written summary, no live model call.
Insider purchases & sales, last 6 months
Purchases (open market)0 sh(0 txns)
Sales (open market)0 sh(0 txns)
Net Shares+0
Counts only open-market purchases (code P) and sales (code S) — grants, option exercises, tax withholding, and gifts are excluded since they aren't a market buy/sell decision.
Insider roster
| Name | Title | Most Recent Transaction | Date | Shares |
|---|---|---|---|---|
| Marx Bryan | EVP & Princ Accounting Officer | Tax withholding | 2026-10-15 | 2,701 |
| Buchanan George | EVP and Chief Risk Officer | Tax withholding | 2026-10-15 | 6,643 |
| Otting Joseph M | Exec Chairman and CEO | Grant / award | 2026-05-18 | 749,625 |
| Miller Eli H | Director | Grant / award | 2026-04-01 | 7,326 |
| Davis Reginald E | SEVP & Pres Consumer Banking | Tax withholding | 2026-03-24 | 923 |
| Smith Lee Matthew | SEVP & Chief Financial Officer | Tax withholding | 2026-03-24 | 2,131 |
| Bao Nguyen | SEVP, GC & Chf of Staff to CEO | Grant / award | 2026-03-15 | 122,951 |
| Gagnon Kris | Sr EVP & Chief Credit Officer | Tax withholding | 2026-03-15 | 6,051 |
| Raffetto Richard A | SEVP Pres of Com & Priv Bnking | Grant / award | 2026-03-15 | 245,902 |
| MNUCHIN STEVEN T | Director | Grant / award | 2026-01-27 | 9,939 |
| Lux Marshall | Director | Grant / award | 2026-01-27 | 9,939 |
| Whip Jennifer R | Director | Grant / award | 2026-01-27 | 9,939 |
| Frank Alan L | Director | Grant / award | 2026-01-27 | 9,939 |
| Puwalski Allen | Director | Grant / award | 2026-01-27 | 9,939 |
| DiNello Alessandro | Director | Grant / award | 2026-01-27 | 9,939 |
| Berlinski Milton R. | Director | Grant / award | 2026-01-27 | 9,939 |
Recent transactions
| Date | Insider | Title | Transaction | Shares | Price |
|---|---|---|---|---|---|
| 2026-10-15 | Marx Bryan | EVP & Princ Accounting Officer | Tax withholding | 2,701 | $0.00 |
| 2026-10-15 | Buchanan George | EVP and Chief Risk Officer | Tax withholding | 6,643 | $0.00 |
| 2026-07-15 | Marx Bryan | EVP & Princ Accounting Officer | Tax withholding | 1,259 | $0.00 |
| 2026-05-18 | Otting Joseph M | Exec Chairman and CEO | Grant / award | 749,625 | $0.00 |
| 2026-04-01 | Miller Eli H | Director | Grant / award | 7,326 | $0.00 |
| 2026-03-24 | Davis Reginald E | SEVP & Pres Consumer Banking | Tax withholding | 923 | $0.00 |
| 2026-03-24 | Smith Lee Matthew | SEVP & Chief Financial Officer | Tax withholding | 2,131 | $0.00 |
| 2026-03-15 | Marx Bryan | EVP & Princ Accounting Officer | Grant / award | 24,590 | $0.00 |
| 2026-03-15 | Marx Bryan | EVP & Princ Accounting Officer | Tax withholding | 3,676 | $0.00 |
| 2026-03-15 | Buchanan George | EVP and Chief Risk Officer | Grant / award | 61,475 | $0.00 |
| 2026-03-15 | Buchanan George | EVP and Chief Risk Officer | Tax withholding | 4,368 | $0.00 |
| 2026-03-15 | Bao Nguyen | SEVP, GC & Chf of Staff to CEO | Grant / award | 122,951 | $0.00 |
| 2026-03-15 | Bao Nguyen | SEVP, GC & Chf of Staff to CEO | Tax withholding | 8,609 | $0.00 |
| 2026-03-15 | Gagnon Kris | Sr EVP & Chief Credit Officer | Tax withholding | 6,051 | $0.00 |
| 2026-03-15 | Raffetto Richard A | SEVP Pres of Com & Priv Bnking | Grant / award | 245,902 | $0.00 |
| 2026-03-15 | Smith Lee Matthew | SEVP & Chief Financial Officer | Grant / award | 245,902 | $0.00 |
| 2026-03-15 | Otting Joseph M | Exec Chairman, President & CEO | Grant / award | 81,967 | $0.00 |
| 2026-03-15 | Otting Joseph M | Exec Chairman, President & CEO | Tax withholding | 43,044 | $0.00 |
| 2026-01-27 | MNUCHIN STEVEN T | Director | Grant / award | 9,939 | $0.00 |
| 2026-01-27 | Lux Marshall | Director | Grant / award | 9,939 | $0.00 |
| 2026-01-27 | Whip Jennifer R | Director | Grant / award | 9,939 | $0.00 |
| 2026-01-27 | Frank Alan L | Director | Grant / award | 9,939 | $0.00 |
| 2026-01-27 | Puwalski Allen | Director | Grant / award | 9,939 | $0.00 |
| 2026-01-27 | DiNello Alessandro | Director | Grant / award | 9,939 | $0.00 |
| 2026-01-27 | Berlinski Milton R. | Director | Grant / award | 9,939 | $0.00 |
| 2026-01-02 | Lux Marshall | Director | Grant / award | 7,968 | $0.00 |
| 2026-01-02 | Whip Jennifer R | Director | Grant / award | 7,968 | $0.00 |
| 2026-01-02 | Puwalski Allen | Director | Grant / award | 15,936 | $0.00 |
| 2025-12-04 | Raffetto Richard A | SEVP Pres of Com & Priv Bnking | Open market purchase | 95 | $12.85 |
| 2025-09-04 | Raffetto Richard A | SEVP Pres of Com & Priv Bnking | Open market sale | 4 | $12.93 |
| 2025-06-04 | Raffetto Richard A | SEVP Pres of Com & Priv Bnking | Code I | 92 | $11.67 |
| 2025-03-04 | Raffetto Richard A | SEVP Pres of Com & Priv Bnking | Code I | 570 | $11.85 |
Recent SEC filings
Official company reports and insider transaction filings. Form 4 reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR submissions · updated 2026-10-23 12:34 UTC
| Filed | Form | Report period | Official filing |
|---|---|---|---|
| 2026-10-23 | 8-K | 2026-10-23 | View on SEC.gov → |
| 2026-10-16 | 4 | 2026-10-15 | View on SEC.gov → |
| 2026-10-16 | 4 | 2026-10-15 | View on SEC.gov → |
| 2026-08-06 | 10-Q | 2026-06-30 | View on SEC.gov → |
| 2026-07-24 | 8-K | 2026-07-24 | View on SEC.gov → |
| 2026-07-16 | 4 | 2026-07-15 | View on SEC.gov → |
| 2026-06-11 | 8-K | 2026-06-09 | View on SEC.gov → |
| 2026-05-20 | 4 | 2026-05-18 | View on SEC.gov → |
| 2026-05-18 | 8-K | 2026-05-18 | View on SEC.gov → |
| 2026-05-07 | 10-Q | 2026-03-31 | View on SEC.gov → |
| 2026-04-24 | 8-K | 2026-04-24 | View on SEC.gov → |
| 2026-04-02 | 4 | 2026-04-01 | View on SEC.gov → |
Recent news
Headlines about FLG (Flagstar Bank, National Association). Links open the publisher — we don’t host full articles.
-
Flagstar Financial (FLG) stock trades down, here is why
StockStory · 2026-10-23 -
Flagstar Bank (FLG) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates
Yahoo · 2026-10-23 -
Flagstar Bank stock drops as Q3 provisions, net interest income hit earnings
Seeking Alpha · 2026-10-23 -
Flagstar Bank stock drops as Q3 provisions, net interest income hit earnings (FLG:NYSE)
Seeking Alpha · 2026-10-23 -
Flagstar Bank (NYSE:FLG) Q3 2026: Revenue Beats but EPS Miss Weighs on Shares
ChartMill · 2026-10-23 -
Flagstar Financial (NYSE:FLG) misses Q3 2026 revenue estimates
Yahoo · 2026-10-23 -
Flagstar Financial, Inc. Reports Third Quarter 2026 Results and Shifts Strategic Objectives to 2028
Fintel · 2026-10-23 -
Flagstar Bank stock falls 5% on third quarter earnings, revenue miss
Yahoo · 2026-10-23
No headlines in this category right now — try “All”.