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Upturn AI SWOT - About
Flagstar Financial Inc (FLG-PA)
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Upturn Advisory Summary
10/15/2025: FLG-PA (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -15.48% | Avg. Invested days 65 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 1.1 | 52 Weeks Range 16.68 - 23.69 | Updated Date 05/3/2025 |
52 Weeks Range 16.68 - 23.69 | Updated Date 05/3/2025 | ||
Dividends yield (FY) 7.07% | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -67.37% | Operating Margin (TTM) -30.75% |
Management Effectiveness
Return on Assets (TTM) -1.02% | Return on Equity (TTM) -13.16% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 8856775680 | Price to Sales(TTM) - |
Enterprise Value 8856775680 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 262429555 |
Shares Outstanding - | Shares Floating 262429555 | ||
Percent Insiders - | Percent Institutions 1.15 |
Upturn AI SWOT
Flagstar Financial Inc
Company Overview
History and Background
Flagstar Bank, founded in 1987, began as a thrift institution in Michigan. It has grown through acquisitions and organic expansion to become a significant regional bank and a leading mortgage originator.
Core Business Areas
- Commercial Banking: Provides a range of banking products and services to businesses, including loans, deposit accounts, and cash management solutions.
- Mortgage Origination: Originates residential mortgages through retail channels and correspondent relationships. Significant focus on purchase mortgages.
- Mortgage Servicing: Services a substantial portfolio of residential mortgages, generating revenue from servicing fees.
- Warehouse Lending: Provides short-term financing to independent mortgage originators.
Leadership and Structure
Flagstar Bank is led by Alessandro DiNello, Chairman and CEO. The organizational structure includes various departments such as Commercial Banking, Mortgage, Finance, Risk Management, and Operations.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Flagstar is a leading mortgage originator, particularly in the purchase market. Market share fluctuates but generally ranks among the top 10 originators nationally. Competitors include Rocket Mortgage, United Wholesale Mortgage (UWM), and PennyMac.
- Commercial Loans: Offers a variety of commercial loan products to businesses of different sizes. Market share varies by region and loan type. Competitors include regional banks and national lenders like JPMorgan Chase and Bank of America.
- Treasury Management Services: Provides businesses with tools to manage their cash flow and finances efficiently. Competitors include large national banks and specialized fintech companies.
Market Dynamics
Industry Overview
The banking industry is currently influenced by factors such as interest rate fluctuations, regulatory changes, technological advancements, and economic conditions. Mortgage rates, housing affordability and overall economic growth greatly impact Flagstar.
Positioning
Flagstar Bank is positioned as a regional bank with a strong focus on mortgage origination and commercial banking. Its competitive advantages include its expertise in mortgage lending and its established relationships with mortgage brokers.
Total Addressable Market (TAM)
The TAM for the US mortgage market is estimated to be in the trillions of dollars annually. The TAM for commercial lending is also substantial, varying based on economic cycles. Flagstar's positioning allows it to capture a portion of these markets through its established presence and specialized services.
Upturn SWOT Analysis
Strengths
- Strong mortgage origination platform
- Experienced management team
- Established relationships with mortgage brokers
- Diversified revenue streams (mortgage and commercial banking)
Weaknesses
- Sensitivity to interest rate fluctuations
- Reliance on mortgage origination volume
- Regional focus may limit growth opportunities
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking technologies
- Growth in commercial lending activity
- Acquisition of smaller banks or financial institutions
Threats
- Increased competition from fintech companies
- Regulatory changes impacting mortgage lending
- Economic downturn affecting housing market
- Rising interest rates dampening mortgage demand
Competitors and Market Share
Key Competitors
- Rocket Companies (RKT)
- United Wholesale Mortgage (UWMC)
- PennyMac Financial Services (PFSI)
- JPMorgan Chase (JPM)
- Bank of America (BAC)
Competitive Landscape
Flagstar Bank competed in a crowded market with both large national banks and smaller regional players. Its strengths were in mortgage origination and its relationships with mortgage brokers. Its disadvantages included its regional focus and sensitivity to interest rate fluctuations.
Major Acquisitions
New York Community Bancorp (NYCB)
- Year: 2022
- Acquisition Price (USD millions): 2600
- Strategic Rationale: The acquisition expanded NYCB's presence into the Midwest and strengthened its commercial banking capabilities. It also diversified NYCB's revenue streams and provided access to Flagstar's mortgage origination platform.
Growth Trajectory and Initiatives
Historical Growth: Flagstar experienced growth in mortgage origination and commercial banking prior to its acquisition. Expansion was both organic and through strategic acquisitions.
Future Projections: N/A (post-acquisition)
Recent Initiatives: Prior to acquisition, Flagstar focused on digital banking initiatives and expanding its commercial lending portfolio.
Summary
Flagstar Financial Inc. was a regional bank and mortgage originator that was acquired by New York Community Bancorp (NYCB). Prior to the acquisition, Flagstar held a strong position in the mortgage market and commercial banking. While it had a focus on regional growth, it faced threats from market conditions. Post-acquisition, Flagstar's operations are integrated into NYCB, contributing to NYCB's overall financial performance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (Prior to Acquisition)
- Industry Reports
- Market Analysis Reports
Disclaimers:
The data and analysis are based on available information prior to Flagstar Financial Inc.'s acquisition by NYCB. Post-acquisition financial data reflects combined operations. Market share data is estimated and may vary by source.
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 - | 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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