FLG · Flagstar Bank, National Association
$13.69
-0.13 (-0.94%)
At close · Aug 19
Market Cap
$5.65B
Shares
415.09M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$13.69
Open$13.88
Day$13.56–13.90
52W close$10.72–15.36
Avg vol 30d4.3M
Short int32.9M · 7.9% float · 6.2d
Short vol79%
Last earningsJul 24, 2026
DataJul 2024–Aug 2026
Filing10-Q · Aug 6
Raw chart and full-history price indicators begin at the captured split on Jul 12, 2024; bars on opposite sides are not compared.
Up next
Next earnings call
Oct 23, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Neutral
Momentum
Weak
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+2%
above
Price vs 50-day avg
−6%
below
RSI (14)
35
neutral
MACD trend
Negative
52-week position
64%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−8%
trailing
6-month return
+1%
trailing
YTD return
+9%
this year
Relative strength
−11%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $15 › 200d $13 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +57 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
7.93% of float · ▼ -5.4% MoM · 6.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
402 holders — near 5-yr high, broad support
Squeeze score
61
elevated · 0–100
Fundamentals
Revenue growth
+2%
Y/Y
EPS growth
+86%
Y/Y
Free cash flow
$-190.8M
Valuation
P/E 340.4
rich
Buyback
$250.0M
authorized
Balance sheet
$3.2B
net cash
Quant / Vol
risk profile
Volatility
30%
annualized · 1-yr
Max drawdown
−18%
past year
ATR
2.2%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Jun 30, 2026
26
EPS
$0.40 – $0.50
27
EPS
$1.60 – $1.70
Prior guidance
period ended
· from the Earnings Call filed Jun 30, 2025
Net interest income
· 2025
up to $-125M
NIM guidance
· 2025
up to -0.1%
Noninterest expense
· 2025
up to $-75M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+2%
Bullish
Price vs 50-day avg
−6%
Bearish
RSI (14)
35
Neutral
MACD trend
Negative
Bearish
52-week position
64%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $15 › 200d $13 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +57 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
7.93% of float · ▼ -5.4% MoM · 6.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
402 holders — near 5-yr high, broad support
Price context
position in its 52-week range
Range low $11
Now $14 · 64%
Range high $15
vs 200-day avg +2%
vs 50-day avg -6%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| ACL % of total loans held for investment | 1.42% | Q2 2026 | — |
| ACL coverage of rent-regulated multi-family loans | 2.87% | Q2 FY2026 | — |
| ACL on loans and leases % of NPLs | 31% | Q2 2026 | — |
| ACL ratio | 1.52% | Q2 FY2026 | — |
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| Adjusted noninterest income non-GAAP | $136M | Six months ended June 30, 2026 | — |
| Adjusted operating expenses non-GAAP | $868M | Six months ended June 30, 2026 | — |
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| Adjusted PPNR non-GAAP | $62M | Q2 FY2026 | — |
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| Allowance for credit losses on loans and leases | $869M | Q2 2026 | — |
| Average interest-earning assets | 83.2B | Six months ended June 30, 2026 | — |
| Book value per share | $18.31 | Q2 FY2026 | — |
| C&I originations | $2.8B | Q2 FY2026 | — |
| CET1 capital ratio | 13.16% | Q2 FY2026 | — |
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| Commercial and Private Bank deposits | 905M | 2Q 2026 | — |
| CRE concentration ratio | 350% | Q2 FY2026 | — |
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| CRE non-accrual loans | 16% | Q2 2026 | — |
| CRE par payoffs | $1.1B | Q2 FY2026 | — |
| Criticized + Classified Loans (including LHFS) | 11.6B | 2Q 2026 | — |
| Criticized and classified loans decrease vs prior quarter | 143M | 2Q 2026 | — |
| Efficiency ratio, as adjusted non-GAAP | 85.63% | For the Six Months Ended June 30, 2026 | — |
| Excess capital | $1.6B | Q2 FY2026 | — |
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| Insured deposits | 79% | 2Q 2026 | — |
| Leverage capital ratio | 9.7% | Q2 2026 | — |
| Locations | 340 | As of June 30, 2026 | — |
| Multi-family ACL coverage | 1.63% | Q2 FY2026 | — |
| Multi-family and CRE par payoffs | 1.1B | 2Q 2026 | — |
| Multi-family non-accrual loans | 11% | Q2 2026 | — |
| NCOs to average loans | 0.59% | Six months ended June 30, 2026 | — |
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| net C&I loan growth | $2B | Second Quarter 2026 | — |
| net charge-off ratio | 66 | Second Quarter 2026 | — |
| Net charge-offs | $178M | Six months ended June 30, 2026 | — |
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| Net interest margin | 2.14% | Six months ended June 30, 2026 | — |
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| new originations volume | $2.8B | Second Quarter 2026 | — |
| Non-accrual held for investment loans to total loans held for investment | 4.59% | Q2 2026 | — |
| NPAs to total assets | 26 | Q2 2026 | — |
| Operating expenses to average assets | 1% | For the Six Months Ended June 30, 2026 | — |
| Operating leverage | 7% | Q2 FY2026 | — |
| Positive operating leverage vs 1Q26 | 7% | 2Q 2026 | — |
| PPNR non-GAAP | $98M | Six months ended June 30, 2026 | — |
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| PPNR increase QoQ | 51% | 2Q 2026 | — |
| Pre - provision net revenue/(loss), as adjusted non-GAAP | $103M | Six months ended June 30, 2026 | — |
| Ratio of interest-earning assets to interest-bearing liabilities | 1.27 | For the Six Months Ended June 30, 2026 | — |
| Share repurchase program | $250M | Q2 FY2026 | — |
| Strategic C&I loan focus areas growth | $2.1B | Q2 FY2026 | — |
| Tangible book value per share | $17.51 | Q2 FY2026 | — |
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| Tangible book value per share adjusted for warrant exercise non-GAAP | $15.54 | Q2 FY2026 | — |
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| Tier 1 risk-based capital ratio | 13.99% | Q2 2026 | — |
| Total ACL, including on unfunded commitments | $925M | Q2 2026 | — |
| Total allowance for credit losses on loans and leases | $869M | Q2 2026 | — |
| Total allowance for credit losses on loans and leases to total loans HFI | 1.42% | Q2 2026 | — |
| Total allowance for credit losses to total loans HFI | 1.52% | Q2 2026 | — |
| Total C&I commitments | $4.2B | Q2 FY2026 | — |
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| Total CRE balances | 32.6B | 2Q 2026 | — |
| Total non-accrual loans held for investment | $2.8B | Q2 2026 | — |
| Total risk-based capital ratio | 16.58% | Q2 2026 | — |
| Brokered deposits decline | -298M | Q1 2026 | — |
| Core deposits growth (excluding brokered) | 1.1B | Q1 2026 | — |
| CRE loans decline | -481M | Q1 2026 | — |
| CRE par payoffs rated substandard | 42% | Q1 2026 | — |
| Criticized/Classified loans decline | -323M | Q1 2026 | — |
| Multi-family loans decline | -1.1B | Q1 2026 | — |
| Non-accrual loans decline | -323M | Q1 2026 | — |
| Other C&I categories growth | 514M | Q1 2026 | — |
| Strategic C&I focus areas growth | 838M | Q1 2026 | — |
| Total C&I loans | 16.6B | Q1 2026 | — |
| Total MF/CRE exposure decline | -1.6B | Q1 2026 | — |
| Wholesale borrowings decline | -1B | Q1 2026 | — |
| NCOs to average loans (full-year) | 0.55% | Full-Year 2025 | — |
| Net charge-offs (full-year) | $351M | Full-Year 2025 | — |
| Net interest margin, as adjusted non-GAAP | 2.05% | Q4 2025 | — |
| Total C&I originations | 2.1B | Q4 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FLG
this stock
Flagstar Bank, National Association
|
$5.65B | +8.7% | +1.5% | 340.4 | 7.9% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Performance
Raw-price comparisons begin at the captured split on Jul 12, 2024; windows that need an earlier baseline remain unavailable.
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FLG | -3.7% | -8.0% | +1.0% | -3.7% | +8.7% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -3.2% | -10.9% | -10.5% | -6.7% | -4.0% |
Capital returns
Latest dividend
$0.01
/ share · ex Jun 5, 2026
Declared · upcoming
$0.01
/ share · ex Sep 4, 2026
Paid (TTM)
$0.04
/ share · 4 payouts
Dividend yield (TTM, derived)
0.29%
Buyback program
· as of Jul 31, 2026
Authorized
$250.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
910073
CUSIP
649445400
13F (30d)
375 filings
357 filers
Visit website
Investor relations