FLG

Flagstar Bank, National Association

$14.54 -0.21 (-1.42%) At close · Jul 8

Market Cap

$6.06B

416,815,122

Equibles Rating blended score · not investment advice

Overall

Buy

SellHoldBuy

Technical Neutral Momentum Very Strong Sentiment Neutral Fundamentals Strong Quant / Vol Moderate

Market backdrop VIX 16.9 · calm Equity put/call 0.86

Technical

price trend

Neutral

50 / 200-day cross No cross

Price vs 200-day avg +11%

above

Price vs 50-day avg +2%

above

RSI (14) 48

neutral

MACD trend Negative

52-week position 83%

mid-range

Volume (OBV) Confirms

volume backs price

Momentum

relative strength

Very Strong

1-month return +3%

trailing

6-month return +14%

trailing

YTD return +16%

this year

Relative strength +6%

vs S&P · 6-mo

Sentiment

smart money

Neutral

Trend (MA cross) No cross

50d $14 › 200d $13 — 50d above 200d

Institutional flow Distributing

10 of 390 funds reported for Jun 30 · net -1.2K sh shares

Insider flow Flat

No net insider activity over 90 days

Short interest Rising

8.88% of float · ▲ +1.6% MoM · 7.8 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

390 holders — near 2-yr high, broad support

Squeeze score 59

elevated · 0–100

Fundamentals

Strong

Revenue growth +2%

Y/Y

EPS growth +86%

Y/Y

Free cash flow $-190.8M

Buyback $9.0M

remaining

Balance sheet $7.2B

net cash

Quant / Vol

risk profile

Moderate

Volatility 31%

annualized · 1-yr

Max drawdown −17%

past year

ATR 2.6%

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.

Up next

Next earnings call

Jul 24, 2026 Est · unconfirmed · in 2 wks

FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed May 7, 2026

AI Brief

TL;DR.

Bullish

Bearish

AI-generated from the earnings call and 8-K · may contain errors · not investment advice

Technicals

trend & momentum for long-term holders Neutral

1 · 4 · 2

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+11% Bullish

Price vs 50-day avg

+2% Bullish

RSI (14)

48 Neutral

MACD trend

Negative Bearish

52-week position

83% Neutral

Volume (OBV)

Confirms Neutral

Market signals — smart money & positioning

Bearish · 2 of 6

Trend (MA cross) No cross

50d $14 › 200d $13 — 50d above 200d

Institutional flow Distributing

10 of 390 funds reported for Jun 30 · net -1.2K sh shares

Insider flow Flat

No net insider activity over 90 days

Short interest Rising

8.88% of float · ▲ +1.6% MoM · 7.8 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

390 holders — near 2-yr high, broad support

Price context

position in its 52-week range

52-wk low $11 Now $15 · 83% 52-wk high $15

vs 200-day avg +11% vs 50-day avg +2%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from its earnings releases, calls, and filings

Metric	Latest	Period	YoY
ACL ratio	1.67%	First Quarter 2026	—
Adjusted operating expenses non-GAAP	441M	First Quarter 2026	—
Adjusted PPNR non-GAAP	41M	First Quarter 2026	—
Brokered deposits decrease	298M	First Quarter 2026	—
CET1 capital ratio	13.24%	First Quarter 2026	—
Core deposits, excluding brokered, increase	1.1B	First Quarter 2026	—
CRE concentration ratio	367%	First Quarter 2026	—
CRE loans decline	481M	First Quarter 2026	—
Criticized/Classified loans decline	323M	First Quarter 2026	—
Excess capital	1.6B	First Quarter 2026	—
Multi-family loans decline	1.1B	First Quarter 2026	—
Net interest margin (NIM)	2.15%	First Quarter 2026	—
Non-accrual loans decrease	323M	First Quarter 2026	—
Other C&I categories growth	514M	First Quarter 2026	—
Strategic C&I focus areas growth	838M	First Quarter 2026	—
Tangible book value per share	$17.42	First Quarter 2026	—
Wholesale borrowings decline	1B	First Quarter 2026	—
ACL reserve decrease	$78M	Q1 2026 call	—
adjusted diluted EPS non-GAAP	$0.04	Q1 2026 call	—

brokered deposit paydown	$300M	Q1 2026 call	—
C&I loan growth	$1.4B	Q1 2026 call	—
CD retention rate	86%	Q1 2026 call	—
core deposits excluding brokered growth	$1.1B	Q1 2026 call	—
CRE and multifamily payoffs	$1.6B	Q1 2026 call	—
CRE par payoffs	$1.1B	Q1 2026 call	—
criticized and classified loans decrease	3%	Q1 2026 call	—
excess capital relative to CET1 target	$1.6B	Q1 2026 call	—
FHLB advances paydown	$1B	Q1 2026 call	—
funded new C&I loans	$2B	Q1 2026 call	—
multifamily and CRE portfolio decline	$1.6B	Q1 2026 call	—
net interest margin non-GAAP	2.15%	Q1 2026 call	—
new C&I loan originations	$2.6B	Q1 2026 call	—
nonaccrual loan reduction	$323M	Q1 2026 call	—
nonaccrual loans decline	11%	Q1 2026 call	—
operating expenses	$441M	Q1 2026 call	—
retail CDs matured	$5.3B	Q1 2026 call	—
substandard loan decrease	$700M	Q1 2026 call	—

Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

Versus peers

Banks - Regional — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
FLG Flagstar Bank, National Association this stock	$6.06B	+15.7%	+1.5%	—	8.9%
HDB Hdfc Bank Ltd	$134.25B	-28.4%	+15.2%	—	0.3%
MFG Mizuho Financial Group Inc	$123.95B	+39.2%	—	—	0.1%
IBN Icici Bank Ltd	$103.47B	-3.2%	—	—	0.7%
PNC Pnc Financial Services Group, Inc.	$99.00B	+19.0%	+7.2%	14.3	1.9%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Reducing

Holders

389

% held: 94.3%
Reported: 10 of 390
Top holder: Liberty 77 Capital L.P.

Held Float

View

Held by Funds

Fund positions

328

View

Short & Settlement

Short Interest Rising

Shares short

37.0M

Days to cover: 7.8d
Change: +585.1K sh

View

Short Volume

Short vol %

68%

As of: Jul 8, 2026

Short Total

View

Fails to Deliver

FTD shares

140.6K

Value: $2.0M
As of: Jun 12, 2026

View

Off-Exchange

Off-exchange %

39.4%

Week of: May 4, 2026

Off-exch Lit

View

Financials

Revenue (FY)

$27.0M

Net income (FY): $-177.0M
EPS diluted: $-0.50

View

Buybacks

Authorized

Remaining: $9.0M

View

Filings

SEC Filings

Latest

Investor Event Transcript

Filed: Jun 30, 2026
This year: 11

View

Proposed Sales

Value

$170.0K

Shares: 50.0K
Filed: May 22, 2024

View

Earnings & Events

Earnings Calls

Last call

Jun 10, 2026

View

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
FLG	-2.7%	+3.2%	+13.7%	-2.7%	+15.7%
SPY	-0.2%	+0.8%	+7.4%	-0.2%	+9.3%
vs SPY	-2.5%	+2.4%	+6.2%	-2.5%	+6.4%

Capital returns

Latest dividend

$0.01 / share · ex Jun 5, 2026

Paid (TTM)

$0.04 / share · 4 payouts

Dividend yield (TTM, derived)

0.28%

Buyback program · as of Dec 31, 2024

Authorized

Spent (derived)

—

Remaining

$9.00M

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) 14 filings 13 filers Visit website Investor relations

FLG

Price & Indicators

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns