Obermatt

Flagstar Bank

NYQ:FLG · US6494454001
BanksSmall

360

27
Profit price
Cash yield17
Price/Sales81
EV / Gross Profit38
Price/Book95
Returns on capital4
Profit margins
Accruals100
Owner Earnings Margin4
Sales growth48
Profit Growth79
Long-Term EPS Growth1
Reinvestment45
Price momentum34
Debt load6
Debt serviceability99
Liquidity75
Analyst ratings49
Opinion Changes50
Price Target Upside60
Market mood30
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Flagstar Bank clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNYSE
Founded1993
ISINUS6494454001
Last UpdateApr 2, 2026
Index & Theme
BankingCommunitiesFinancial ServicesInsuranceReal EstateVenture Capital

Description

Flagstar Bank, National Association (‘Flagstar’ or the ‘bank’) operates as a national banking association. The company serves its customers through its website: www.flagstar.com. In addition to providing its customers with 24-hour access to their ac…

Analysis

Weak and unloved

Flagstar Bank, National Association is weak and unloved: below-average business metrics and a price that reflects that disappointment.

The price is expensive. You pay 464.9× its owner earnings: the cash an owner could take out each year, which is in the historically expensive zone. At today's price, the market is assuming roughly 51% yearly growth; analysts expect 3%. The market is pricing in far more than analysts expect: heroic expectations.

The trajectory is moderate and the balance sheet is stretched. The company scores 13/20 on our value-creation score: creating some value.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
37
2023202420252026

All-time high

100

Jun 2023

All-time low

34

Mar 2026

Average rank

66

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
81
75
84
71
Price/Earnings
5
97
100
85
Price/Book
95
81
91
86
Dividend Yield
17
10
77
93
Value (overall)
41
61
100
73

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →