Flagstar Financial, Inc. (FLG) Stock: Price, Forecast & Analyst Target
Flagstar Financial, Inc. (FLG) — MoonshotScore 41/100 (Weak band), calculated Oct 5, 2026. Price $11.57 (-1.11%), as of the Oct 5, 2026 trading session; market cap $4.82B. Expected results Oct 23, 2026.
Listing-status flag — 8-K Item 3.01, filed Oct 20, 2025.
Educational signal · not a buy or sell recommendation · How to read this
Flagstar Financial, Inc. · FLG · NYSE · Financial Services · Banks - Regional
Research dated 2026-09-13: Flagstar Financial is the holding company for Flagstar Bank, delivering a full banking stack across deposits, business finance, consumer credit, and digital channels under one model. The key question is whether recent profitability recovery can be sustained while cash-flow consistency, credit mix, and leverage all hold together. This is a story about execution under pressure, not a broad-sector narrative, because the filing trail shows a pronounced business swing followed by a rebound.
Price as of Oct 5, 2026
Key Statistics
MoonshotScore v2 · Flagstar Financial (FLG)
WeakWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Weak quality, a fragile balance sheet and stalling growth, and the price trend has turned against it. Business Quality: Thin; Financial Safety: Strained; Valuation: Fair; Growth Durability: Shrinking; Momentum: Falling.
- quarterly revenue $1.05B (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 4 of 8
- Altman Z 0.31 · Piotroski F 5
Holding back: weak fundamentals, balance-sheet strain, soft growth, weak price trend
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 42 | Weak | |
| 41 | Weak | |
| 41 | Weak | |
| 41 | Weak | |
| 41 | Weak | |
| 41 | Weak |
The score was 41 in the stored Oct 4, 2026 snapshot and remains 41 in the current publication computed Oct 5, 2026 (0); the largest pillar moves were Growth Durability -7 and Momentum -1; the pillar moves offset under the sector-relative weighting, so the headline score is unchanged.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $11.57 | |
| Change on the day | -1.11% | |
| 52-week range | $10.57 – $15.44 | |
| Market capitalisation | $4.82B | |
| Price / earnings (trailing) | 343.11 | |
| Shares traded on the day | 8.38M | |
| Beta (volatility vs the S&P 500) | 0.99 | |
| Dividends per share (last 12 months) | $0.04 | |
| Dividend yield (last 12 months) | 0.34% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file or a dated event that is not a results report. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Listing notice
- · Earnings results · below the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings call · management outlook
- · Earnings results · below the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
Management outlook
In the first 6 months of the year, we brought in roughly 130 new-to-bank C&I relationships and we feel good about our momentum in both deposits and fee income generation from these new relationships, not just with spread income from deposits, but also fees we expect our capital markets fees and treasury management fees, in particular, to show significant growth in 2026 and beyond as we further build out the product set, and the natural synergies between our commercial bank growth and our private banking capability set drives business customers to also become personal customers and personal customers but also become business customers.
Richard Raffetto · Statement from
Statement dates identify the earnings call, not a deadline. Management expectations and provider estimates can change.
Read management statementsOther perspectives
Council score for Flagstar Financial (FLG): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
9-Factor Breakdown
Legends Council
4 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Sep 10, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 10, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 10, 2026, the Munger lens read the price at that time as undervalued against its own estimate of value.
Readings on this page are from Oct 6, 2026, except a card that shows its own read date.
Watch the FLG film — every key number, told as a short cinematic story
~2 min · open the film
What is Flagstar Financial (FLG), and what does it report?
Short answer · as of
Flagstar’s model is not a single-product bank. The institution serves households, small and medium organizations, and professional entities with transaction and savings deposits, certificates, mortgages, commercial and industrial credit, commercial real estate finance, construction-related lending, and consumer financing such as home-equity, point-of-sale, vehicle, and overdraft lines, while also offering cash management plus selected investment and insurance products.
Research dated 2026-09-13.
Flagstar’s model is not a single-product bank. The institution serves households, small and medium organizations, and professional entities with transaction and savings deposits, certificates, mortgages, commercial and industrial credit, commercial real estate finance, construction-related lending, and consumer financing such as home-equity, point-of-sale, vehicle, and overdraft lines, while also offering cash management plus selected investment and insurance products.
The reporting footprint is explicitly quarter-based and annual. Quarterly data are presented as revenue, gross and operating result, net result, expenses, and diluted and basic earnings per share, with annual totals for revenue and net result to separate short-cycle swings from a broader trend.
What do the latest results show for Flagstar Financial (FLG)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $1.05B.
Research dated 2026-09-13.
The latest quarter is materially better than the immediately preceding stretch: it moved into positive operating and net results and shows a different earnings profile from the prior loss-heavy period while preserving a similar revenue framework.
Management frames this as a relationship-driven transition, pointing to new commercial relationships and stronger fee pathways in capital markets and treasury management rather than relying only on spread income from deposits and loans.
Recent releases are not a straight line: some quarters have exceeded earnings expectations while others have not, so this change is real but still a process that needs repetition to establish durability.
What do the reported financial results show?
Reported revenue, net income and earnings per share from the income statement.
- Latest quarter · revenue
- $1.05B Jun 30, 2026
- Latest quarter · net income
- $34.00M Jun 30, 2026
- Latest quarter · EPS
- $0.0549 (diluted) Jun 30, 2026
| Period end | Revenue | Net income | EPS |
|---|---|---|---|
| Jun 30, 2026 | $1.05B | $34.00M | $0.0549 (diluted) |
| Mar 31, 2026 | $1.04B | $21.00M | $0.0279 (diluted) |
| Dec 31, 2025 | $1.11B | $29.00M | $0.0458 (diluted) |
| Sep 30, 2025 | $1.16B | −$36.00M | −$0.1100 (diluted) |
Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $516.00M Jul 24, 2026
- Latest report · revenue estimate
- $539.34M Jul 24, 2026
- Latest report · revenue vs estimate
- Below estimate Jul 24, 2026
- Latest report · EPS vs estimate
- Below estimate Jul 24, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 24, 2026 | $516.00M | $539.34M | $0.0500 | $0.0639 |
| Apr 24, 2026 | $498.00M | $553.48M | $0.0400 | $0.0300 |
| Jan 30, 2026 | $557.00M | $532.53M | $0.0600 | $0.0200 |
| Oct 24, 2025 | $519.00M | $514.96M | −$0.1100 | −$0.0600 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $1.05B | $34M | $0.05 (diluted) |
| Q1 FY2026 | $1.04B | $21M | $0.03 (diluted) |
| Q4 FY2025 | $1.11B | $29M | $0.05 (diluted) |
| Q3 FY2025 | $1.16B | -$36M | -$0.11 (diluted) |
What are the financial strengths and risks for Flagstar Financial (FLG)?
Short answer · as of
What is holding it back is weak fundamentals, balance-sheet strain, soft growth, weak price trend.
Research dated 2026-09-13.
Liquidity and risk sit at the center of this bank’s balance-sheet story. Cash and short-term investments are presented as the core liquidity bucket, while no long-term investment layer is allocated, which makes near-term cash discipline an immediate credit to solvency management.
At the same time, total liabilities and debt remain large relative to that liquidity, so financial strength is conditional rather than absolute. The company’s cash-generation record has also been uneven, with operating cash flow turning between robust and negative outcomes across recent quarters.
Distress and quality screens are not benign, which reinforces that balance-sheet resilience and cash discipline are now as important as the income line. A deterioration in credit conditions in its broad commercial and consumer loan mix would therefore transmit through earnings and cash quickly.
What does the cash-flow statement report?
Dated cash-flow statement entries, using the provider’s reported classification.
- Latest quarter · operating cash flow
- $241.00M Jun 30, 2026
- Previous quarter · operating cash flow
- −$133.00M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $241.00M | −$26.00M |
| Mar 31, 2026 | −$133.00M | −$20.00M |
| Dec 31, 2025 | −$178.00M | −$38.00M |
| Sep 30, 2025 | $243.00M | −$10.00M |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Statement entries keep the provider’s reported sign. These financial-company figures are not used here to estimate cash runway, surplus cash, or business value.
What should you watch next at Flagstar Financial (FLG)?
Short answer · as of
The next earnings report is expected on Oct 23, 2026.
Research dated 2026-09-13.
The next earnings publication is the first clear checkpoint on whether the current operating inflection persists and whether the reported improvement in results becomes repeatable.
Confirmation needs two concrete reads: fee expansion tied to the commercial relationship strategy and a stable pattern in operating cash flow relative to liquidity. If both hold, the turnaround reads stronger; if one lags, the rebound is likely thinner than headline profit suggests.
The filing history also includes a continuation-risk event and active officer action disclosures, so operational outcomes should be interpreted alongside filing quality and reporting behavior, not in isolation from them.
What management is planning
Management expectations, not completed milestones or guarantees. Selected verbatim excerpts; dates follow the transcript provider.
In the first 6 months of the year, we brought in roughly 130 new-to-bank C&I relationships and we feel good about our momentum in both deposits and fee income generation from these new relationships, not just with spread income from deposits, but also fees we expect our capital markets fees and treasury management fees, in particular, to show significant growth in 2026 and beyond as we further build out the product set, and the natural synergies between our commercial bank growth and our private banking capability set drives business customers to also become personal customers and personal customers but also become business customers.
Richard Raffetto ·
How does Flagstar Financial compare with its peers?
Short answer
Flagstar Financial's score ranks 13th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-13.
Calling Flagstar merely a regional bank misses how explicitly relationship-driven its mechanics are. The core edge in the narrative is the stated path from commercial banking relationships into higher-fee products and private banking flow, rather than a single-asset concentration.
That makes peer comparison less about generic category labels and more about whether its own commercial platform can keep converting borrowers and deposit clients into treasury and fee-generating activity while containing credit risk across construction, property, and consumer credit.
| Company | Price | Market value | Score |
|---|---|---|---|
| $54.42 Oct 5, 2026 | $6.04B | 95 5-pillar Oct 5, 2026 | |
| $27.10 Oct 5, 2026 | $4.14B | 94 5-pillar Oct 5, 2026 | |
| $60.78 Oct 5, 2026 | $4.07B | 94 5-pillar Oct 5, 2026 | |
| $22.23 Oct 5, 2026 | $3.19B | 93 5-pillar Oct 5, 2026 | |
| $47.04 Oct 2, 2026 | $6.48B | 92 5-pillar Oct 5, 2026 | |
| $25.01 Oct 5, 2026 | $4.13B | 92 5-pillar Oct 5, 2026 | |
| $37.85 Oct 5, 2026 | $3.63B | 91 5-pillar Oct 5, 2026 | |
| $34.11 Oct 2, 2026 | $4.08B | 90 5-pillar Oct 5, 2026 | |
| $31.87 Oct 2, 2026 | $3.34B | 90 5-pillar Oct 5, 2026 | |
| $22.58 Oct 2, 2026 | $2.94B | 90 5-pillar Oct 5, 2026 | |
| $32.03 Oct 2, 2026 | $7.68B | 89 5-pillar Oct 5, 2026 | |
| $46.59 Oct 5, 2026 | $5.09B | 85 5-pillar Oct 5, 2026 | |
| Flagstar Financial (FLG) — this page | $11.57 | $4.82B | 41 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $16.00 – $18.00
- Consensus target
- $17.07
- Median target
- $17.00
Consensus record · Captured .
Measured against a quoted price of $11.57 (as of Oct 5, 2026).
Insider activity
Form 4 records via FMP · Most recent available transactions
- Transactions
- 12
- Identified insiders
- 6
- Purchases
- 0
- Sales
- 0
- Other transactions
- 12
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 89.0% Period end Jun 30, 2026
- Previous quarter · ownership
- 93.6% Prior to period end Jun 30, 2026
- Reporting holders
- 429 Period end Jun 30, 2026
- Previous quarter · holders
- 421 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Liberty 77 Capital L.P. | 74,999,994 |
| Blackrock, INC. | 43,029,412 |
| Reverence Capital Partners, L.P. | 35,981,113 |
| State Street Corp | 16,933,346 |
| Vanguard Portfolio Management LLC | 13,560,917 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about Flagstar Financial (FLG)?
- Morgan Stanley Upgrades Flagstar Bank to Overweight, Raises Price Target to $17
- FLAGSTAR BANK, N.A. TO PARTICIPATE AT THE BARCLAYS 24TH ANNUAL GLOBAL FINANCIAL SERVICES CONFERENCE
- Raymond James Assumes Flagstar Bank at Market Perform
- Is Flagstar Bank National Association (FLG) Undervalued After Its Recent Pullback?
Flagstar Financial Financial Services Stock: Key Questions Answered
Research dated 2026-09-13; the answers below are from that research, and the full attribution is under Sources. The last 3 questions are answered from this page's own dated data, not from the research.
How does Flagstar turn banking activity into fee growth instead of relying only on interest spread?
Flagstar’s mix includes treasury management, commercial relationship expansion, capital markets fees, and private banking channels alongside traditional lending and deposits. The bank also sells POS, home-equity, and consumer financing products that can add recurring non-spread touchpoints. That structure means fee growth is tied to relationship depth, not just rate movement on loan books.
What changed in the latest quarter compared with the prior periods?
The most recent quarter is the first clear return to positive net and operating results after a stretch of losses in earlier quarters, indicating an operating inflection in the near term. The move came despite a reporting history that has mixed consensus results, so the latest quarter is directional, not yet fully self-confirming on its own.
What is the main vulnerability if growth slows in Flagstar’s commercial credit engine?
The vulnerability sits where loans, deposits, and commercial activity intersect: if new relationship flow fades, the fee channels in treasury management and capital markets also lose momentum. That risk is amplified by uneven operating cash flow and a balance-sheet setup that shows meaningful leverage, which is exactly why cash position and quality screens remain central to the equity case.
What should a reader verify next to test management’s stated growth drivers?
The next quarter’s report is the first practical test. The key check is whether stronger commercial relationship sentiment translates into higher fee contribution without a relapse in operating cash behavior. A durable confirmation also requires that cash and short-term liquidity remain capable of supporting the business despite the prior volatility in quarterly cash flow.
What is the FLG stock price today?
The last price recorded on this page for Flagstar Financial, Inc. (FLG) is $11.57, as of the Oct 5, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the FLG price target?
The analyst consensus price target for Flagstar Financial, Inc. (FLG) is $17.07 (range $16.00 to $18.00, median $17.00), per FMP data captured Oct 5, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Does FLG pay a dividend?
Yes. Flagstar Financial, Inc. (FLG) shows a trailing 12-month dividend yield of 0.34%, as of Oct 2, 2026, in the data on this page. Payout ratio and cash-flow coverage decide whether it can last, and past dividends do not guarantee future payments.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.3-codex-spark) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (74 figures)
The 74 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 3 facts from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
list.rule_notice | Listing-status notice (8-K Item 3.01) | 8-K Item 3.01, filed Oct 20, 2025 | OFFICIAL | SEC EDGAR — Form 8-K, Item 3.01 — Item 3.01 covers both continued-listing notices and voluntary transfers between exchanges; the filing states which applies and any cure terms. | |
prod.outlook | Management outlook — call excerpts | Richard Raffetto (Jul 24, 2026): In the first 6 months of the year, we brought in roughly 130 new-to-bank C&I relationships and we feel good about our momentum in both deposits and fee income generation from these new relationships, not just with spread income from deposits, but also fees we expect our capital markets fees and treasury management fees, in particular, to show significant growth in 2026 and beyond as we further build out the product set, and the natural synergies between our commercial bank growth and our private banking capability set drives business customers to also become personal customers and personal customers but also become business customers. | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) — Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | |
id.hq | SEC filing business address | Hicksville, NY | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "102 Duffy Avenue, Hicksville, NY, 11801, US". |
FMP — 62 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $11.57 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-05T21:44:47.031Z. | |
px.change | Change on the day | -1.11% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $4.82B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-05. FMP quote timestamp: 2026-10-05T20:00:03.000Z. Captured from FMP at 2026-10-05T21:44:45.957Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
earn.next | Next earnings date | Oct 23, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.change_abs | Change on the day, in dollars | −$0.13 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $1.05B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.pe | Price / earnings (trailing) | 343.11 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 8.38M | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.99 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Joseph Otting | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 5,631 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $1.75B, net result $596.00M; FY2022 revenue $2.18B, net result $650.00M; FY2023 revenue $6.05B, net result −$79.00M; FY2024 revenue $6.38B, net result −$1.12B; FY2025 revenue $4.70B, net result −$177.00M | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $1.05B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.net_result_k | Net income — period end 2026-06-30 | $34.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.eps | EPS — period end 2026-06-30 | $0.0549 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $1.04B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.net_result_k | Net income — period end 2026-03-31 | $21.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.eps | EPS — period end 2026-03-31 | $0.0279 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $1.11B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.net_result_k | Net income — period end 2025-12-31 | $29.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.eps | EPS — period end 2025-12-31 | $0.0458 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $1.16B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.net_result_k | Net income — period end 2025-09-30 | −$36.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.eps | EPS — period end 2025-09-30 | −$0.1100 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-07-24.revenue_actual | Revenue · reported — report date 2026-07-24 | $516.00M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-24.revenue_estimated | Revenue · estimate — report date 2026-07-24 | $539.34M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-24.eps_actual | EPS · reported — report date 2026-07-24 | $0.0500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-24.eps_estimated | EPS · estimate — report date 2026-07-24 | $0.0639 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-24.revenue_actual | Revenue · reported — report date 2026-04-24 | $498.00M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-24.revenue_estimated | Revenue · estimate — report date 2026-04-24 | $553.48M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-24.eps_actual | EPS · reported — report date 2026-04-24 | $0.0400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-24.eps_estimated | EPS · estimate — report date 2026-04-24 | $0.0300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-30.revenue_actual | Revenue · reported — report date 2026-01-30 | $557.00M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-30.revenue_estimated | Revenue · estimate — report date 2026-01-30 | $532.53M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-30.eps_actual | EPS · reported — report date 2026-01-30 | $0.0600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-30.eps_estimated | EPS · estimate — report date 2026-01-30 | $0.0200 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-24.revenue_actual | Revenue · reported — report date 2025-10-24 | $519.00M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-24.revenue_estimated | Revenue · estimate — report date 2025-10-24 | $514.96M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-24.eps_actual | EPS · reported — report date 2025-10-24 | −$0.1100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-24.eps_estimated | EPS · estimate — report date 2025-10-24 | −$0.0600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $241.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | −$133.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | −$26.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$20.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | −$178.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$38.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $243.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | −$10.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $16.00 – $18.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $17.07 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $17.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 12 transactions · 0 purchases, 0 sales, 12 other transactions · 6 identified insiders · most recent available transactions | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 89.0% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 93.6% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 429 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 421 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Liberty 77 Capital L.P. — shares in provider snapshot | 74,999,994 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Blackrock, INC. — shares in provider snapshot | 43,029,412 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Reverence Capital Partners, L.P. — shares in provider snapshot | 35,981,113 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | State Street Corp — shares in provider snapshot | 16,933,346 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Vanguard Portfolio Management LLC — shares in provider snapshot | 13,560,917 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 3 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 4 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-04 | |
fin.scores | Distress and quality screens | Altman Z 0.31 · Piotroski F 5 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-04 · Expired observation | |
px.range52 | 52-week range | $10.57 – $15.44 | UNRECORDED | Stored company-profile observation — Captured 2026-10-04 |
COMPUTED — 4 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $0.04 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-05, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 0.34% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-07-24.revenue_actual.comparison | Latest report · revenue vs estimate | Below estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($516.00M) with the recorded estimate ($539.34M) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-24.eps_actual.comparison | Latest report · EPS vs estimate | Below estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($0.0500) with the recorded estimate ($0.0639) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 41 of 100 · Weak · pillars 32 / 23 / 62 / 8 / 10 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 41 (stored snapshot Oct 4, 2026) → 41 (current publication computed Oct 5, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.net_result_k,fin.q_table.depth.2026-06-30.eps,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.net_result_k,fin.q_table.depth.2026-03-31.eps,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.net_result_k,fin.q_table.depth.2025-12-31.eps,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.net_result_k,fin.q_table.depth.2025-09-30.eps. - Earnings-history note. Source series as of 2026-07-24. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-24.revenue_actual,earn.history.depth.2026-07-24.revenue_estimated,earn.history.depth.2026-07-24.revenue_actual.comparison,earn.history.depth.2026-07-24.eps_actual.comparison,earn.history.depth.2026-07-24.eps_actual,earn.history.depth.2026-07-24.eps_estimated,earn.history.depth.2026-04-24.revenue_actual,earn.history.depth.2026-04-24.revenue_estimated,earn.history.depth.2026-04-24.eps_actual,earn.history.depth.2026-04-24.eps_estimated,earn.history.depth.2026-01-30.revenue_actual,earn.history.depth.2026-01-30.revenue_estimated,earn.history.depth.2026-01-30.eps_actual,earn.history.depth.2026-01-30.eps_estimated,earn.history.depth.2025-10-24.revenue_actual,earn.history.depth.2025-10-24.revenue_estimated,earn.history.depth.2025-10-24.eps_actual,earn.history.depth.2025-10-24.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Statement entries keep the provider’s reported sign. These financial-company figures are not used here to estimate cash runway, surplus cash, or business value. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Legal name | FLAGSTAR BANK, NATIONAL ASSOCIATION Our market-data provider lists the name as "Flagstar Financial, Inc."; the filer's own record is used here. | 2026-02-27 | OFFICIAL | SEC EDGAR — 10-K filed 2026-02-27 |
| Business description | Flagstar Financial, Inc. serves as the holding company for Flagstar Bank, N.A., delivering a wide array of banking solutions and services throughout the United States. Its deposit portfolio features interest-bearing checking, money market, savings, and non-interest-bearing accounts, alongside retirement savings plans and certificates of deposit. The institution extends a diverse range of credit facilities, including financing for multi-family properties, commercial real estate ventures, and acquisition, development, and construction projects. Further offerings encompass commercial and industrial loans, mortgages for one-to-four family residences, specialized finance loans and leases, and warehouse lending. Additionally, Flagstar provides various consumer credit options, such as home equity lines of credit, indirect loans for boats and recreational vehicles, point-of-sale consumer financing, and overdraft facilities. Beyond traditional banking, the company offers cash management tools, a selection of non-deposit investment and insurance products, and convenient digital access through online, mobile, and telephone banking platforms. Its primary clientele consists of individual consumers, small to medium-sized businesses, and professional organizations. Established in 1859 and based in Hicksville, New York, the company recently changed its name to Flagstar Financial, Inc. in October 2024, having formerly been known as New York Community Bancorp, Inc. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Distress and quality screens | Altman Z-score: 0.31; Piotroski F-score: 5 Altman Z below 1.8 is the conventional distress zone. The screen is built for manufacturers and industrials; for banks, insurers and property companies it is not a meaningful reading. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) financial scores |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-24 | FMP | Financial Modeling Prep (FMP) earnings |
| Management outlook — dated call excerpts | Captured record · 1 entry
Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | 2026-07-24 | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) |
| Trailing twelve-month ratio set | Debt to equity: 1.34; Net margin: 1.1%; Gross margin: 45%; Operating margin: 1.9%; Return on assets: 0.1%; Return on equity: 0.6% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
| 2026-09-13 | FMP | Financial Modeling Prep (FMP) analyst estimates |
| Cash, investments and debt | Total debt: $10.94B; Liquidity basis: cash and short-term investments; Total liabilities: $79.57B; Cash and short-term investments: $16.97B; Cash and investments: $16.97B; Long-term investments: $0; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $16.97B; Cash and short-term investments: $16.97B; Long-term investments: $0; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Next earnings report | Date: 2026-10-23; EPS estimate: $0.09 per share; Revenue estimate: $563.17M The date is our provider's estimate until the company confirms it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Listing-status notice (8-K Item 3.01) | Form: 8-K; Item: 3.01; Filed: 2025-10-20; Event date: 2025-10-17; Item description: Notice of delisting or failure to satisfy a continued listing rule or standard; transfer of listing Item 3.01 covers a delisting or continued-listing notice AND a voluntary transfer between exchanges; which one this is, and any cure period or deadline, are stated inside the filing. Read the linked document rather than inferring either from the filing date. | 2025-10-20 | OFFICIAL | SEC EDGAR — Form 8-K, Item 3.01 |
| Recent SEC filings |
| 2026-08-06 | OFFICIAL | SEC EDGAR filer submissions |
| Sector / industry (provider taxonomy) | Financial Services / Banks - Regional The company's SEC filings classify it under SIC 6036 — Savings Institutions, Not Federally Chartered. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
Data provided for informational purposes only.