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Flagstar Financial, Inc. (FLG) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Flagstar Financial, Inc. $1.93, price $11.70, upside -83.5%, quality 31 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · US · ISIN US6494454001

FF Flagstar Financial, Inc. logo Thin data Sep 24, 2026

Flagstar Financial, Inc.

FLG · US

Weakest SetupStrongly overvalued and low quality.

!Fair value $1.93 · Strongly overvalued (−83.5%)
!Quality 31/100
!Expensive Growth (revenue 5y +21.6 %/yr)
!Loss-making · -2.9% net margin (TTM)
!Moderate debt · negative free cash flow
!0.3% dividend yield · Token dividend
!Trails peers (4/12)
!Narrow moat 31/100
!Evidence only low, so the estimate is less certain
!Weak on balance sheet: 25 out of 100
!Weak on dividend: 7 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$39.58 $7.87 Fair Value $1.93 Jul 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range $7.87 – $39.58 · fair‑value band $0.9900 – $2.86 · the $11.70 price screens above the $1.93 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

Flagstar Bank, National Association provides banking products and services in the United States. The company's deposit products include interest-bearing checking and money market, savings, and non-interest-bearing accounts, as well as certificates of deposit.

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Flagstar Bank, National Association provides banking products and services in the United States. The company's deposit products include interest-bearing checking and money market, savings, and non-interest-bearing accounts, as well as certificates of deposit. It offers loan products comprising 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 home equity lines of credit, as well as other consumer loans, including overdraft loans. The company offers non-deposit investment and insurance products; and online and mobile banking services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as Flagstar Financial, Inc. Flagstar Bank, National Association was founded in 1859 and is headquartered in Hicksville, New York.

Stock analysis

Flagstar Financial, Inc. (FLG) currently trades at $11.70, while our model-based Fair Value estimate is $1.93, 83.5% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of $13.09 per share, and 1 of the 3 models we run sit above the $11.70 price.

Bear case: the Dividend Discount group reads lowest at $1.74, and 2 of the 3 models stay below the price. Evidence for this calculation is low.

Scenario range: $0.9900 (bear) to $2.86 (bull), the price of $11.70 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 31/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Flagstar Financial, Inc. reported revenue of $4.7B in FY2025 versus $1.8B in FY2021, a compound +28.0%/yr. Reported net income was −$177M in FY2025.

Key figures

Market cap $6.3B · P/S ratio 3.20 · EPS (TTM) $−0.2100 · Dividend yield 0.3% · Net margin −3.8% · Return on equity −0.7% · Return on assets (EBIT) 0.1% · Operating margin 17.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).

What moves the price

The share trades about 24% below its 52-week high and 9% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −84%, FLG screens richer than that median.

Fair Value models

Bear $0.9900 Fair Value $1.93 Bull $2.86
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Gordon GGM $1.01 $2.02 $3.05 67
DDM Multi-Stage $1.01 $1.74 $2.13 67
NCAV (Graham) $9.77 $13.09 $19.54 54
All 3 models by family
Dividend Discount
Gordon GGM $1.01 $2.02 $3.05 67
DDM Multi-Stage $1.01 $1.74 $2.13 67
Asset-Based
NCAV (Graham) $9.77 $13.09 $19.54 54

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Quality Score breakdown

Overall quality 31/100

Of which business quality 28 · Market factors (momentum, volatility) 40

Profitability 7
Margins and returns on capital today
Quality Growth 61
Are margins and returns improving?
Cashflow 33
Earnings quality: real cash, not paper profit
Fin. Strength 2
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 65
Calm price path (market factor)
Momentum 31
Price trend over the last 3–12 months (market factor)
52W Momentum 28
Distance to the 52-week high (market factor)
Net Issuance 0
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 38/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−26.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+29.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+21.6%
Start year 2020 (pandemic). Over 10 years: +9.5% a year
Revenue growth 32 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.7%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
33.2% (2020) → −4.2% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

FLG screens overvalued: fair value 84% below the price. Compare with DBS Group →

Earlier news

News mood ⓘNews mood, the average tone of recent news (97 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1053 stocks

Beats the industry median on 4/11 measures
Overall it trails its industry peers.
Valuation
Quality Score 32 · Bottom 25%
Fair Value upside −83.5% · Bottom 25%
Profitability
Return on assets −0.1% · Bottom 25%
Net margin (TTM) −2.9% · Bottom 25%
Operating margin (TTM) 17.5% · Bottom 25%
Growth and dividend
Revenue growth 21.2% · Top 25%
Dividend yield (TTM) 0.3% · Bottom 25%
Balance sheet
Debt / equity 1.50× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/B 0.77× · Cheapest 25%
P/S (TTM) 3.20× · Cheaper than median
PEG 0.47× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 12
FUTURE (revenue growth)100 · sector 47
PAST (return on equity)0 · sector 41
HEALTH (low debt)25 · sector 84
DIVIDEND (yield)7 · sector 52

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 78.00 SGD 40.39 SGD −48%
China Merchants Bank Co 600036 ¥40.69 ¥52.73 +30%
UniCredit S.p.A UCG €79.53 €77.12 −3%
Mizuho Financial Group MFG $11.05 $6.82 −38%
Intesa Sanpaolo S.p.A ISP €6.38 €4.06 −36%
BNP Paribas SA BNP €91.54 €105.99 +16%
HDFC Bank Limited HDFCBANK ₹721.20 ₹406.44 −44%
Oversea-Chinese Banking Corporation O39 32.01 SGD 19.78 SGD −38%
Al Rajhi Banking and Investment Corporation 1120 63.15 SAR 36.95 SAR −41%
CaixaBank, S.A CABK €12.03 €8.46 −30%

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Flagstar Financial, Inc. · Fair Value
$1.93 −84%Fair Value
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Cite: Fair Value Calculator (2026). "Flagstar Financial, Inc. Fair Value". https://www.fairvalue-calculator.com/stock/FLG

Frequently asked questions

Is Flagstar Financial, Inc. (FLG) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $1.93 versus a price of $11.70, about −84% upside (overvalued).
What is the fair value of FLG?
Our model-based fair value for Flagstar Financial, Inc. is $1.93 (as of Sep 24, 2026), built from audited fundamentals. The current price: $11.70.
What is the quality score of FLG?
Flagstar Financial, Inc. has a Quality Score of 31/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Flagstar Financial, Inc. (FLG)?
Our model-based price target is the fair value of $1.93 (as of Sep 24, 2026) from 3 valuation models. Cautious scenario $0.9900, optimistic scenario $2.86. It is a calculation from audited fundamentals, not an analyst target.
What is the Flagstar Financial, Inc. stock forecast for 2026?
Our models put fair value at $1.93, about −84% upside versus a price of $11.70 (overvalued). Cautious scenario $0.9900, optimistic scenario $2.86. The calculation is refreshed regularly with new filings.
What is the revenue of Flagstar Financial, Inc. (FLG)?
Flagstar Financial, Inc. reported trailing-twelve-month revenue of about $2.0B (latest available figure, as of Sep 24, 2026).
Does Flagstar Financial, Inc. pay a dividend?
Flagstar Financial, Inc. currently shows a dividend yield of about 0.34% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Flagstar Financial, Inc. (FLG)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Flagstar Financial, Inc. it is $1.93 per share (as of Sep 24, 2026), against a price of $11.70. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Flagstar Financial, Inc. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, FLG trades above its calculated fair value: price $11.70, fair value $1.93, a gap of about −84% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FLG?
No. The price is what the market pays today ($11.70); the fair value is what the company's own numbers justify ($1.93). For Flagstar Financial, Inc. the two are $9.77 per share apart. That gap is exactly why we show both numbers side by side.
How much is Flagstar Financial, Inc. worth?
The market values Flagstar Financial, Inc. at about $6.3B (market capitalisation, as of Sep 24, 2026). Per share that is $11.70; our models calculate a fair value of $1.93 per share.
What do the bullish and bearish scenarios say about FLG?
Our models span a range for Flagstar Financial, Inc.: cautious scenario $0.9900, base $1.93, optimistic $2.86 per share (as of Sep 24, 2026, price $11.70). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of FLG?
The PEG ratio of Flagstar Financial, Inc. is 0.47 (P/E divided by earnings growth, as of Sep 24, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Flagstar Financial, Inc. (FLG)?
Balance-sheet figures for Flagstar Financial, Inc. (as of Sep 24, 2026): return on equity −0.7%, debt of 1.50 per unit of equity. They feed the Quality Score of 31/100, which measures business quality independently of the share price.
How far is FLG from its 52-week high?
Flagstar Financial, Inc. trades at $11.70, about 24% below its 52-week high of $15.36 and 9% above the low of $10.70 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $1.93 is for.
Which stocks are comparable to Flagstar Financial, Inc.?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Flagstar Financial, Inc. stock attractive at the current price?
The data as of Sep 24, 2026: price $11.70, calculated fair value $1.93 (−84%), Quality Score 31/100, from 3 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FLG calculated?
We run Flagstar Financial, Inc. through 3 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $1.93, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Flagstar Financial, Inc. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Flagstar Financial, Inc. (FLG)?
The closing price on Oct 2, 2026 was $11.70. Our model-based fair value is $1.93, about −84% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Flagstar Financial, Inc. right now?
The price sits above even our optimistic bull case ($2.86). The favourable scenario is already priced in. Weak quality (31/100) and above fair value at the same time, the margin of safety is missing on both counts. The model range is unusually wide ($0.9900 to $2.86). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.

Key figures of Flagstar Financial, Inc.

How large is the market capitalisation of Flagstar Financial, Inc. (FLG)?
The market capitalisation of Flagstar Financial, Inc. is $6.3B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Flagstar Financial, Inc. (FLG)?
The price-to-sales ratio of Flagstar Financial, Inc. is 3.20 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Flagstar Financial, Inc. (FLG)?
Earnings per share at Flagstar Financial, Inc. are $−0.2100. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Flagstar Financial, Inc. (FLG)?
The dividend yield of Flagstar Financial, Inc. is 0.3%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Flagstar Financial, Inc. (FLG)?
The net margin of Flagstar Financial, Inc. is −3.8% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Flagstar Financial, Inc. (FLG)?
The return on equity (ROE) of Flagstar Financial, Inc. is −0.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Flagstar Financial, Inc. (FLG)?
On an EBIT basis the return on assets of Flagstar Financial, Inc. is 0.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Flagstar Financial, Inc. (FLG)?
The operating margin of Flagstar Financial, Inc. is 17.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Flagstar Financial, Inc. (FLG)?
Revenue at Flagstar Financial, Inc. is growing +21.2% versus a year earlier (3y avg +29.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Flagstar Financial, Inc. (FLG) generate?
The free cash flow of Flagstar Financial, Inc. is −$601M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Flagstar Financial, Inc. (FLG) carry?
The net debt of Flagstar Financial, Inc. is $11.6B (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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