Bull Rankings model

Flagstar Bank, National Association (FLG) stock analysis

Banks - Regional. Scored on the same transparent model behind the daily rankings.

★
FLG
Flagstar Bank, National Association · Banks - Regional
39.9Financial strength
$11.32Oct 9 close$4.7B
1Y Target$15.59Analyst consensus · 17 analysts
5Y Target$27.26Compound horizon
10Y Target$48.73Long-dated conviction
Rev-20.2%
F
Revenue -20.2% — severe decline
P/E—
—
P/S 2.3x — below the Financial Services median (≈40th pctile)
ROE0.6%
C
ROE 0.6% — barely positive
P/B0.62
A
P/B 0.62 — below book value; deep value (verify asset quality)
Yield0.3%
C
Yield 0.3% — minimal

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 39.9 / 100
Profitability17.4
Value (P/B)99.3
Income9.2

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeNear 52-week low
27% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

Why now
Banks - Regional · market cap $4.7b. Down 27% from 52-week high of $15.44 — deep drawdown territory. Revenue -20% — in contraction; any catalyst that reverses this triggers re-rating. PEG 0.78 — paying under fair value for the growth rate. 17 sell-side analysts rate this a Buy with a mean 1-yr target of $15.59 (implying +38% upside).
Moat
Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Revenue contracting -20% — the operational turn is not yet visible in the top line. Net margin 2.4% is thin — operating leverage cuts both ways; input-cost inflation or pricing pressure hits the bottom line first. ROE 1% is below the long-run sustainable threshold of ~10% — capital efficiency would need to improve for the equity base to compound at the market rate.
Horizon
1-3 yr $15.59 (17-analyst consensus) — catalyst-driven; binary events dominate. 5 yr $27.26 — requires the platform / technology to reach commercial scale. 10 yr $48.73 — return distribution heavily skewed.

Not enough history yet — the model records FLG's score after each daily run, and the chart appears once a few days have accumulated.

FLG at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY17VALUE99COVERED INCOME939.9/100 on our peer scale — not the quality-growth score.
PRICE IN ITS 52-WEEK RANGE$11.3LOW $10.6HIGH $15.4Trading near its 52-week low ($10.6–$15.4).
ONE-YEAR MOVE VS ITS BETAFLATThis stock0%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change-10.5%
90-day change-19.3%
Forward EPS estimate$1.21

Over the last 90 days, what analysts expect FLG to earn is materially lower (-19.3%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Shares to buy
176
Position size
$1,992
4.0% of portfolio
Stop price
$8.49
25% below $11.32
$ at risk if stopped
$498.08
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

Flagstar Bank, National Association (FLG): score, valuation & FAQ

Flagstar Bank, National Association (FLG) is a Banks - Regional company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are P/B (A) and P/E (B+), while Rev (F) rate weaker.

Is FLG a good stock to buy?

Bull Rankings grades FLG on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by P/B (A) and P/E (B+). A score is a quantitative screen of Flagstar Bank, National Association's fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade FLG?

As a bank, insurer or REIT, FLG isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on P/B (A) and P/E (B+) and weakest on Rev (F).

Is FLG overvalued or undervalued?

We don't publish a discounted-cash-flow value for FLG, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. FLG is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

What are the main risks of investing in FLG?

Revenue contracting -20% — the operational turn is not yet visible in the top line. Net margin 2.4% is thin — operating leverage cuts both ways; input-cost inflation or pricing pressure hits the bottom line first. ROE 1% is below the long-run sustainable threshold of ~10% — capital efficiency would need to improve for the equity base to compound at the market rate.

New to these metrics? See the guides and the methodology.

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