FLG · Flagstar Bank, National Association
Price & Indicators
Raw chart and full-history price indicators begin at the captured split on Jul 12, 2024; bars on opposite sides are not compared.
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AI Brief
TL;DR.
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 adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative 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 |
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| ACL coverage for multi-family loans with 50% or greater rent-regulated units | 2.87% | Q2 FY2026 | — |
| ACL ratio | 1.52% | Q2 FY2026 | — |
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| Adjusted PPNR non-GAAP | $62M | Q2 FY2026 | — |
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| Book value per share | $18.31 | Q2 FY2026 | — |
| C&I and Private Bank deposits growth | $905M | Q2 FY2026 | — |
| C&I commitments | $4.2B | Q2 FY2026 | — |
| C&I originations | $2.8B | Q2 FY2026 | — |
| CET1 capital ratio | 13.16% | Q2 FY2026 | — |
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| Core deposits growth | $644M | Q2 FY2026 | — |
| Cost of funds decline | 7 | Q2 FY2026 | — |
| CRE concentration ratio | 350% | Q2 FY2026 | — |
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| CRE par payoffs | $1.1B | Q2 FY2026 | — |
| CRE par payoffs rated substandard | 39% | Q2 FY2026 | — |
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| Criticized/Classified loans decline | $143M | Q2 FY2026 | — |
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| Deposit costs decline | 5 | Q2 FY2026 | — |
| Excess capital | $1.6B | Q2 FY2026 | — |
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| NCOs to average loans | 0.66% | Q2 FY2026 | — |
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| Net interest margin | 2.13% | Q2 FY2026 | — |
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| Non-accrual loans | $123M | Q2 FY2026 | — |
| Operating leverage | 7% | Q2 FY2026 | — |
| PPNR | $66M | Q2 FY2026 | — |
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| Share repurchase program | $250M | Q2 FY2026 | — |
| Strategic C&I loan focus areas growth | $2.1B | Q2 FY2026 | — |
| Substandard loans decline | $369M | 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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| Total ACL | $0.9B | Q2 FY2026 | — |
| Total C&I loans | $18.6B | Q2 FY2026 | — |
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| Total deposits growth | $689M | Q2 FY2026 | — |
| Total MF/CRE exposure decline | $1.5B | Q2 FY2026 | — |
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| Total multi-family ACL coverage | 1.63% | Q2 FY2026 | — |
| Total NYC multi-family loans decline | $677M | Q2 FY2026 | — |
| Total NYC multi-family loans with 50% or greater rent-regulated units decline | $338M | Q2 FY2026 | — |
| Wholesale borrowings decline | $250M | Q2 FY2026 | — |
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| Adjusted operating expenses non-GAAP | 441M | Q1 2026 | — |
| Brokered deposits decline | -298M | Q1 2026 | — |
| Core deposits growth (excluding brokered) | 1.1B | Q1 2026 | — |
| CRE loans decline | -481M | 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 | — |
| NCOs to average loans (full-year) | 0.55% | Full-Year 2025 | — |
| Net charge-offs | $46M | Q4 2025 | — |
| Net charge-offs (full-year) | $351M | Full-Year 2025 | — |
| Net interest margin, as adjusted non-GAAP | 2.05% | Q4 2025 | — |
| Total C&I commitments | 3B | 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 |
|---|---|---|---|---|---|
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FLG
this stock
Flagstar Bank, National Association
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$5.92B | +13.2% | +1.5% | 356.3 | 7.9% |
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MFG
Mizuho Financial Group Inc
|
$132.42B | +48.5% | — | — | 0.1% |
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HDB
Hdfc Bank Ltd
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$120.05B | -36.0% | +15.2% | — | 0.5% |
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IBN
Icici Bank Ltd
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$108.39B | -0.2% | — | — | 0.5% |
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PNC
Pnc Financial Services Group, Inc.
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$102.52B | +23.1% | +7.2% | 14.1 | 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 sectionPerformance
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 | +2.2% | -4.4% | +5.2% | +0.2% | +13.2% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | +1.8% | -8.8% | -8.6% | -3.7% | -0.7% |
Capital returns
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.