Loading stock…

Flagstar Bank, National Association (FLG) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Flagstar Bank, National Association

FLGMarket cap $4.69BPrice $11.3

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs a regional bank rebuilt from the ashes of the New York Community Bancorp-Signature Bank fallout, now betting on multifamily housing loans across New York City. Survived a 2023 crisis that wiped out most of its stock value in weeks.

In Bastion Portfolios?

52W Return+0%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+12%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+18%–

Rev CAGR (5y)+13%8

Earnings Forecast

EPS Growth Y+10%5

EPS Growth Y+2+281%10

EPS Growth Y+3+27%8

Quality

Margins

EBIT Margin0%2

Net Income Margin2%3

Free Cash Flow Margin3%3

Debt

Net Debt/EBITDAna–

Efficiency

ROE0%2

ROA0%2

Earnings Stability44

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)146

P/E Ratio (Forward 3y)610

P/BV0.610

EV Multiples

EV/EBITDA Fwd06

EV/EBIT Fwd06

Yield

Free Cash Flow Yieldna1

Dividend Yield0.4%1

Momentum

Short term

1 month return-16%1

3 month return-22%1

YTD return-10%3

Mid term

Price vs 52wHigh73%4

1 year return-5%4

Long term

3 year return-64%1

5 year return-67%1

Risk Shield

Price Risk

Beta1.04

Volatility29%7

Free Cash Flow

Free Cash Flow Margin3%3

Free Cash Flow Yieldna1

Quality

ROCE2%2

Earnings Stability44

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

FLGFlagstar Bank, National Association

Revenue FY25$2.1B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+12%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+18%–

Revenue, next 5Y, CAGR+13%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E0%5

EPS growth, FY27E+281%10

EPS growth, FY28E+27%8

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 18%/yr over the next 3 years, ahead of most of the market.8/10

Revenue grew 12%/yr over the last 3 years and is set to grow 18%/yr from here.

The runway holds up: revenue is set to grow 13%/yr over five years.8/10

Earnings are set to grow faster than sales (EPS about 27%/yr vs revenue 18%/yr), so margins should widen.

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY WEAK5 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-16%1

3-month return-22%1

YTD return-10%3

MID & LONG-TERM▾SCORE

% of 52-week high73%4

1-year return-5%4

3-year return-64%1

5-year return-67%1

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

It's down 5% over the past year, now 27% below its 52-week high. That is a touch behind the market.

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-64% over three years and -67% over five), behind 90% of the market.

The stock is underperforming over the past month (-16%), over three months (-22%) and so far this year (-10%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on Flagstar Bank, National Association. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community

Loading charts…

02Growth

Is it actually growing, and how fast?

FLGFlagstar Bank, National Association

Revenue FY25$2.1B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+12%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+18%–

Revenue, next 5Y, CAGR+13%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E0%5

EPS growth, FY27E+281%10

EPS growth, FY28E+27%8

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 18%/yr over the next 3 years, ahead of most of the market.8/10

Revenue grew 12%/yr over the last 3 years and is set to grow 18%/yr from here.

The runway holds up: revenue is set to grow 13%/yr over five years.8/10

Earnings are set to grow faster than sales (EPS about 27%/yr vs revenue 18%/yr), so margins should widen.

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY WEAK5 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-16%1

3-month return-22%1

YTD return-10%3

MID & LONG-TERM▾SCORE

% of 52-week high73%4

1-year return-5%4

3-year return-64%1

5-year return-67%1

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

It's down 5% over the past year, now 27% below its 52-week high. That is a touch behind the market.

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-64% over three years and -67% over five), behind 90% of the market.

The stock is underperforming over the past month (-16%), over three months (-22%) and so far this year (-10%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on Flagstar Bank, National Association. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community