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Upturn AI SWOT - About
FLG 
Flagstar Financial, Inc. (FLG)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/15/2025: FLG (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
16 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $13.72
1 Year Target Price $13.72
| 4 | Strong Buy |
| 2 | Buy |
| 10 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -53.29% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.63B USD | Price to earnings Ratio - | 1Y Target Price 13.72 |
Price to earnings Ratio - | 1Y Target Price 13.72 | ||
Volume (30-day avg) 16 | Beta 1.16 | 52 Weeks Range 8.54 - 13.32 | Updated Date 10/17/2025 |
52 Weeks Range 8.54 - 13.32 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 0.34% | Basic EPS (TTM) -1.46 |
Earnings Date
Report Date 2025-10-24 | When Before Market | Estimate -0.07 | Actual - |
Profitability
Profit Margin -37.44% | Operating Margin (TTM) -9.26% |
Management Effectiveness
Return on Assets (TTM) -0.6% | Return on Equity (TTM) -7.62% |
Valuation
Trailing PE - | Forward PE 16.89 | Enterprise Value 10682497024 | Price to Sales(TTM) 2.72 |
Enterprise Value 10682497024 | Price to Sales(TTM) 2.72 | ||
Enterprise Value to Revenue 8.64 | Enterprise Value to EBITDA - | Shares Outstanding 415561180 | Shares Floating 265510399 |
Shares Outstanding 415561180 | Shares Floating 265510399 | ||
Percent Insiders 0.78 | Percent Institutions 91.41 |
Upturn AI SWOT
Flagstar Financial, Inc.
Company Overview
History and Background
Flagstar Bank was founded in 1987 as First Security Savings Bank. It has grown through acquisitions and organic expansion to become a major regional bank and mortgage servicer. In 2022, Flagstar merged with New York Community Bancorp.
Core Business Areas
- Commercial Banking: Offers a range of banking products and services to businesses, including loans, deposit accounts, and cash management services.
- Mortgage Origination: Originates residential mortgages through retail channels and wholesale partnerships.
- Mortgage Servicing: Services residential mortgage loans for investors and its own portfolio.
- Retail Banking: Provides banking services to individuals, including deposit accounts, loans, and investment products.
Leadership and Structure
The company is led by Thomas R. Cangemi (President and CEO, NYCB). The organizational structure includes various executive vice presidents overseeing different business lines and support functions. Flagstar Bank is a subsidiary of New York Community Bancorp (NYCB).
Top Products and Market Share
Key Offerings
- Residential Mortgages: Flagstar originates and services a significant volume of residential mortgages. Market share data is difficult to isolate due to Flagstar's merger with NYCB. Competitors include Rocket Mortgage, Wells Fargo, and JPMorgan Chase.
- Commercial Loans: Flagstar provides commercial loans to businesses. Market share data is fragmented and varies by region. Competitors include Bank of America, U.S. Bank, and regional banks.
- Deposit Accounts: Flagstar offers a variety of deposit accounts to consumers and businesses. Market share is concentrated in its regional footprint. Competitors include Chase, Bank of America, and local credit unions.
Market Dynamics
Industry Overview
The banking industry is facing increased competition, rising interest rates, regulatory scrutiny, and technological disruption. Mortgage rates heavily influence origination volume.
Positioning
Flagstar is positioned as a regional bank with a strong mortgage business. Its competitive advantages include its established mortgage servicing platform and commercial banking relationships.
Total Addressable Market (TAM)
The TAM for banking and mortgage services is multi-trillion dollars. Flagstar is positioned to capture a portion of this TAM through its regional focus and specialized offerings.
Upturn SWOT Analysis
Strengths
- Strong mortgage servicing platform
- Established commercial banking relationships
- Regional presence in attractive markets
- Diversified revenue streams (mortgage and banking)
Weaknesses
- Integration risks following merger with NYCB
- Sensitivity to interest rate fluctuations
- Reliance on mortgage market conditions
- Higher cost of funds
Opportunities
- Expand commercial banking footprint
- Increase cross-selling of products to existing customers
- Leverage technology to improve efficiency
- Acquire smaller banks in strategic markets
Threats
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Economic slowdown impacting loan demand
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
- NYCB
Competitive Landscape
Flagstar, now a part of NYCB, faces significant competition from larger national banks with greater resources. Flagstar's strengths lie in its regional focus and mortgage expertise. NYCB has had challenges with its market positioning in 2024, causing significant volatility and price changes for the stock.
Major Acquisitions
New York Community Bancorp
- Year: 2022
- Acquisition Price (USD millions): 2600
- Strategic Rationale: The merger with NYCB aimed to create a larger, more diversified banking institution with enhanced scale and capabilities.
Growth Trajectory and Initiatives
Historical Growth: Pre-merger, Flagstar experienced growth driven by its mortgage and commercial banking businesses.
Future Projections: Future growth projections are now tied to the combined entity, New York Community Bancorp (NYCB). Analyst estimates should be viewed based on this understanding.
Recent Initiatives: Recent initiatives include the integration of Flagstar's operations with NYCB, streamlining processes, and leveraging synergies.
Summary
Flagstar, now integrated into NYCB, possesses strengths in its mortgage and commercial banking operations. The integration process and market sensitivity to interest rates pose risks. The company needs to focus on leveraging synergies and managing integration challenges post-merger, particularly in the volatile financial climate of 2024 for NYCB to create long term growth and value. Continued monitoring of NYCB will be crucial to determine the future performance of the legacy Flagstar business.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
- Market Data Providers
Disclaimers:
This analysis is based on publicly available information and analyst estimates. It is not financial advice. Past performance is not indicative of future results. The information contained herein is subject to change without notice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Flagstar Financial, Inc.
Exchange NYSE | Headquaters Hicksville, NY, United States | ||
IPO Launch date 1993-11-23 | President, CEO & Executive Chairman Mr. Joseph M. Otting | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 6993 | Website https://www.flagstar.com |
Full time employees 6993 | Website https://www.flagstar.com | ||
Flagstar Financial, Inc. operates as the bank holding company for Flagstar Bank, N.A. that provides banking products and services in the United States. The company's deposit products include interest-bearing checking and money market, savings, and non-interest-bearing accounts, as well as certificates of deposit. Its loan products comprise multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial and industrial loans; one-to-four family loans; specialty finance loans and leases; warehouse loans; and other loans, such as home equity lines of credit, as well as other consumer loans, including overdraft loans. The company offers non-deposit investment and insurance products; and online and mobile banking services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as New York Community Bancorp, Inc. and changed its name to Flagstar Financial, Inc. in October 2024. Flagstar Financial, Inc. was founded in 1859 and is headquartered in Hicksville, New York.
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