FLG · Flagstar Bank, National Association
Market Cap
$5.58B
Shares
415.09M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$13.45
Open$13.49
Day$13.35–13.52
52W close$10.72–15.36
Avg vol 30d4.5M
Short int33.5M · 8.1% float · 9.6d
Short vol82%
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 8 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
Sell
Momentum
Neutral
Sentiment
Neutral
Fundamentals
Weak
Quant / Vol
Moderate
Market backdrop
VIX 14.4 · calm
Equity put/call 0.39
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−1%
below
Price vs 50-day avg
−7%
below
RSI (14)
34
neutral
MACD trend
Negative
52-week position
59%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−6%
trailing
6-month return
+7%
trailing
YTD return
+7%
this year
Relative strength
−8%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $14 › 200d $14 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +57 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
8.06% of float · ▲ +1.6% MoM · 9.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
402 holders — near 5-yr high, broad support
Squeeze score
65
elevated · 0–100
Fundamentals
Revenue growth
+2%
Y/Y
EPS growth
+86%
Y/Y
Free cash flow
$-190.8M
Valuation
P/E 336.3
rich
Buyback
$250.0M
authorized
Balance sheet
$19.3B
net debt
Quant / Vol
risk profile
Volatility
29%
annualized · 1-yr
Max drawdown
−17%
past year
ATR
2.0%
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 8-K filed Jul 24, 2026
2026
Net Interest Margin
2.2% – 2.3%
Diluted Adjusted EPS
Non-GAAP
$0.40 – $0.50
ROAA
0.25% – 0.35%
ROATCE
2.75% – 3.25%
TBV Per Share
$15.50 – $16.00
2027
Diluted Adjusted EPS
Non-GAAP
$1.60 – $1.70
Efficiency Ratio
Non-GAAP
50% – 55%
ROAA
0.85% – 0.95%
ROATCE
10% – 10.5%
TBV Per Share
$17.25 – $17.75
Efficiency Ratio
50% – 55%
Prior guidance
period ended
· from the Earnings Call filed Jun 30, 2025
Net interest income
· 2025
up to $-125M
Noninterest expense
· 2025
up to $-75M
NIM guidance
· 2025
up to -0.1%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Sell
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−1%
Neutral
Price vs 50-day avg
−7%
Bearish
RSI (14)
34
Neutral
MACD trend
Negative
Bearish
52-week position
59%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $14 › 200d $14 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +57 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
8.06% of float · ▲ +1.6% MoM · 9.6 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 $13 · 59%
Range high $15
vs 200-day avg -1%
vs 50-day avg -7%
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 | — |
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| ACL coverage of rent-regulated multi-family loans | 2.87% | Q2 FY2026 | — |
| ACL on loans and leases % of NPLs | 31% | Q2 2026 | — |
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| ACL ratio | 1.52% | Q2 FY2026 | — |
| Adjusted noninterest income non-GAAP | $136M | Six months ended June 30, 2026 | — |
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| 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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| CET1 excess of low-end of target range | 1.6B | 2Q 2026 | — |
| 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 | — |
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| Criticized + Classified Loans (including LHFS) | 11.6B | 2Q 2026 | — |
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| 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 | — |
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| Excess capital | $1.6B | Q2 FY2026 | — |
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| Insured deposits | 79% | 2Q 2026 | — |
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| Leverage capital ratio | 9.7% | Q2 2026 | — |
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| Locations | 340 | As of June 30, 2026 | — |
| Multi-family ACL coverage | 1.63% | Q2 FY2026 | — |
| Multi-Family ALLL Ratio | 1.63% | 2Q 2026 | — |
| 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 | — |
| 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 | — |
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| NPAs to total assets | 26 | Q2 2026 | — |
| Operating expenses to average assets | 1% | For the Six Months Ended June 30, 2026 | — |
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| Operating leverage | 7% | Q2 FY2026 | — |
| Positive operating leverage vs 1Q26 | 7% | 2Q 2026 | — |
| PPNR non-GAAP | $98M | Six months ended June 30, 2026 | — |
| PPNR increase QoQ | 51% | 2Q 2026 | — |
| Pre - provision net revenue/(loss), as adjusted non-GAAP | $103M | Six months ended June 30, 2026 | — |
| Pre-provision net revenue (Adjusted) non-GAAP | 62M | 2Q 2026 | — |
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| 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 | — |
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| Total ACL, including on unfunded commitments | $925M | Q2 2026 | — |
| Total allowance for credit losses including the allowance for 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 | — |
| 1Q 2026 CRE payoffs at par | $1.1B | 1Q 2026 | — |
| Adjusted diluted EPS non-GAAP | $0.04 | 1Q 2026 | — |
| C&I pipeline (commitments) | $2.1B | 1Q 2026 | — |
| Net interest margin, as adjusted non-GAAP | 2.15% | first quarter 2026 | — |
| New C&I loan commitments | $2.6B | 1Q 2026 | — |
| New C&I loan originations | $2B | 1Q 2026 | — |
| New C&I relationships added | 49 | 1Q 2026 | — |
| Non-accrual held for investment loans and repossessed assets ("NPAs") to total assets | 3.08% | Q1 FY2026 | — |
| Pre-provision net revenue/(loss), as adjusted (non-GAAP) non-GAAP | $41M | Q1 FY2026 | — |
| Total ACL % of total loans held for investment | 1.67% | Q1 FY2026 | — |
| Total non-accrual loans | $2.7B | 1Q 2026 | — |
| Total non-accrual loans (including held-for-sale) | $2.68B | Q1 FY2026 | — |
| (Loss) return on average tangible assets non-GAAP | 0.17% | Three Months Ended December 31, 2025 | — |
| (Loss) return on average tangible common stockholders' equity non-GAAP | -2.16% | Year Ended December 31, 2025 | — |
| ACL on loans and leases % of total loans held for investment | 1.7% | December 31, 2025 | — |
| Allowance for credit losses on loans to non-accrual loans held for investment | 34.62% | Q4 2025 | — |
| Allowance for credit losses on loans to total loans held for investment | 1.7% | Q4 2025 | — |
| Average tangible assets non-GAAP | $94.08B | Year Ended December 31, 2025 | — |
GAAP → non-GAAP reconciliationGAAP Average Assets 94.52B
-437M Core deposit and other intangible assets
= Average tangible assets 94.08B
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| Average tangible common stockholders' equity non-GAAP | $7.18B | Year Ended December 31, 2025 | — |
GAAP → non-GAAP reconciliationGAAP Average common stockholders' equity 7.62B
-437M Other intangible assets
= Average tangible common stockholders' equity 7.18B
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| Brokered deposits reduction YTD | 7.8B | FY2025 | — |
| Diluted (Loss) Earnings Per Share, as adjusted - non-GAAP non-GAAP | -$0.37 | Year Ended December 31, 2025 | — |
GAAP → non-GAAP reconciliationGAAP Diluted (Loss) Earnings Per Share - GAAP -$0.5
+$0.18 Adjustments
-$0.05 Tax effect on adjustments
= Diluted (Loss) Earnings Per Share, as adjusted - non-GAAP -$0.37
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| Net (loss) income attributable to common stockholders, as adjusted - non-GAAP non-GAAP | -$154M | Year Ended December 31, 2025 | — |
| Net (loss) income, as adjusted - non-GAAP non-GAAP | $38M | Three Months Ended December 31, 2025 | — |
GAAP → non-GAAP reconciliationGAAP Net (loss) income - GAAP 29M
+17M Merger-related expenses
+4M Severance
-9M Net gain on investment security
-3M Tax effect on adjustments
= Net (loss) income, as adjusted - non-GAAP 38M
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| Net interest margin, excluding hedge gains non-GAAP | 2.05% | Q4 2025 | — |
| Non-accrual loans held for sale | $30M | As of December 31, 2025 | — |
| NPLs to total loans held for investment | 4.9% | As of December 31, 2025 | — |
| Pre - provision net revenue (non-GAAP) non-GAAP | -$14M | Year Ended December 31, 2025 | — |
| Pre - provision net revenue excluding merger-related expenses, as adjusted (non-GAAP) non-GAAP | $61M | Year Ended December 31, 2025 | — |
GAAP → non-GAAP reconciliationGAAP Pre - provision net revenue (non-GAAP) -14M
+56M Merger-related expenses
+14M Severance
+13M Lease cost acceleration related to closing branches
+8M Trailing mortgage sale costs with Mr. Cooper
+14M Litigation settlement
-30M Net gain on investment security
= Pre - provision net revenue excluding merger-related expenses, as adjusted (non-GAAP) 61M
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| Pre-provision net revenue/(loss) non-GAAP | $48M | Q4 FY2025 | — |
| Pre-provision net revenue/(loss), as adjusted non-GAAP | $60M | Q4 FY2025 | — |
| Provision for credit losses | $184M | FY2025 | — |
| Tangible Assets non-GAAP | $87.13B | At December 31, 2025 | — |
GAAP → non-GAAP reconciliationGAAP Total Assets 87.51B
-381M Core deposit and other intangible assets
= Tangible Assets 87.13B
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| Tangible book value per common share non-GAAP | $17.45 | At December 31, 2025 | — |
| Tangible common stockholders' equity non-GAAP | $7.26B | At December 31, 2025 | — |
GAAP → non-GAAP reconciliationGAAP Total Stockholders' Equity 8.14B
-381M Core deposit and other intangible assets
-503M Preferred stock - Series A and D
= Tangible common stockholders' equity 7.26B
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| Tangible common stockholders' equity to tangible assets non-GAAP | 8.33% | At December 31, 2025 | — |
| Total ACL | 1.1B | 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
|
$5.58B | +6.8% | +1.5% | 336.3 | 8.1% |
|
MFG
Mizuho Financial Group Inc
|
$126.83B | +42.6% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$115.38B | -36.8% | +15.2% | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$110.04B | +26.1% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$107.15B | +0.2% | — | — | 0.7% |
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
Smart Money
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 | -0.3% | -5.6% | +6.8% | -5.4% | +6.8% |
| SPY | +1.1% | +4.0% | +14.7% | +3.2% | +13.1% |
| vs SPY | -1.4% | -9.6% | -7.9% | -8.6% | -6.3% |
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)
0.30%
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)
309 filings
304 filers
Visit website
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