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    Flagstar Bank, National Association (FLG)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NYSE

    $10.52
    -0.08 (-0.75%)

    Market Cap: $4.40B

    Last updated: Nov 06, 2026 at 4:10 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    57%(23/40)
    Avg Surprise
    -7.55%

    Upcoming Estimates

    Period ending Dec 31, 2026
    EPS Consensus$-0.06
    Range$-0.10 - $-0.05
    15 analysts
    Revenue Consensus
    $462M
    Range$449M - $469M
    11 analysts
    Period ending Mar 31, 2027
    EPS Consensus$0.07
    Range$0.04 - $0.12
    12 analysts
    EPS RevisionsNo revisions (7d)
    0
    9
    30d
    EPS Estimate DriftChange to current
    90d ago$0.23-67.8%
    60d ago$0.22-67.1%
    30d ago$0.22-66.8%
    7d ago$0.19-61.8%
    Current$0.07
    Revenue Consensus
    $579M
    Range$567M - $602M
    10 analysts
    Last 12 of 40 reported quarters and 2 upcoming estimates
    PeriodReportedEst.RangeSurpriseB/MAnalystsRevisionsYoY
    Mar 27EST
    		-$0.07$0.04 - $0.12--12
    0
    9
    30d
    		-
    Dec 26EST
    		-$-0.06$-0.10 - $-0.05--15--
    Sep 26
    Reported Oct 23
    		$0.01N/A--83.33%Miss16
    0
    14
    30d
    		+114.3%
    Jun 26
    Reported Jul 24
    		$0.05$0.06$0.04 - $0.09-16.67%Miss15
    0
    3
    30d
    		+126.3%
    Mar 26
    Reported Apr 24
    		$0.04$0.04$0.02 - $0.06+0.00%Beat14
    3
    4
    30d
    		+117.4%
    Dec 25
    Reported Jan 30
    		$0.06$0.02$-0.01 - $0.05+200.00%Beat16
    1
    8
    30d
    		+117.6%
    Sep 25
    Reported Oct 24
    		$-0.07$-0.07$-0.13 - $-0.04+0.00%Beat17
    4
    4
    30d
    		+89.9%
    Jun 25
    Reported Jul 25
    		$-0.19$-0.14$-0.19 - $-0.08-35.71%Miss9
    1
    1
    30d
    		+81.9%
    Mar 25
    Reported Apr 25
    		$-0.23$-0.28$-0.37 - $-0.18+17.86%Beat9
    3
    0
    30d
    		+69.3%
    Dec 24
    Reported Jan 30
    		$-0.34$-0.55$-0.73 - $-0.22+38.18%Beat11
    0
    9
    30d
    		+58.0%
    Sep 24
    Reported Oct 25
    		$-0.69$-0.42--64.29%Miss---163.9%
    Jun 24
    Reported Jul 25
    		$-1.05$-0.43--144.19%Miss---174.5%
    Mar 24
    Reported May 1
    		$-0.75$-0.39--92.31%Miss---208.7%
    Dec 23
    Reported Jan 31
    		$-0.81$0.87--193.10%Miss---208.0%

    Dividends

    Next ex-dividend: Dec 7, 2026

    Dividend Metrics

    Forward Yield0.38%
    Forward Annual Dividend$0.04
    Payout Ratio19.42%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR-73.04%
    5Y CAGR-54.45%
    FLG dividend history and ex-dividend datesRun FLG in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio65.75EV/EBITDA61.10x
    Price/FCF62.06xFCF Yield1.61%
    Profitability
    Profit Margin4.79%Operating Margin9.25%
    ROE1.22%ROIC0.38%
    Financial Health
    Debt/Equity1.43xInterest Coverage0.04x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta1.10Avg Volume7.47M
    52-Week High$15.4352-Week Low$9.93

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$10.49
    SMA 20$10.79
    SMA 50$11.82
    SMA 200$13.37
    EMA 10$10.64
    EMA 20$10.86
    EMA 50$11.67
    EMA 200$12.84

    MACD

    Line: -0.35Signal: -0.43Hist: 0.07

    ADX

    ADX: 29.2+DI: 25.8-DI: 25.0

    Aroon & PSAR

    Aroon UpN/A
    Aroon Down72.0
    PSAR$10.00

    Bollinger Bands

    Upper Band$11.61
    Lower Band$9.97
    %B Position1516%(Upper)
    Band Width0.34

    RSI (14-Day)

    Neutral
    39.7

    Momentum Oscillators

    Stoch %K48.9
    Stoch %D50.3
    Williams %R-62.2
    ROC (10d)1.3%
    Momentum0.14
    CCI (20d)-55.6
    MFI (14d)37.3

    Volatility Measures

    ATR (14d)$0.34(3.3%)
    StdDev (20d)0.41
    Hist Vol45.0%(High)

    Volume Flow

    VWAP$10.52
    OBV-82.2M
    AD Line-235.3M
    CMF (20d)-0.096

    Volume Metrics

    Avg Vol (20d)7.5M
    Vol Ratio0.6x
    VWMA (20d)$10.70

    Pivot Points

    R3$11.62
    R2$11.40
    R1$11.00
    Pivot Point$10.77
    S1$10.37
    S2$10.15
    S3$9.75

    Advanced Oscillators

    TSI-28.46
    Ultimate Osc49.2
    KST-116.30

    Financial Data

    QuarterSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023
    Total Revenue$1.08B$1.05B$1.04B$1.11B$1.16B$1.22B$1.24B$1.43B$1.65B$1.66B$1.64B$1.58B
    Cost of Revenue$628.00M$554.00M$541.00M$594.00M$714.00M$788.00M$833.00M$1.04B$1.27B$1.38B$1.20B$1.26B
    Gross Profit$454.00M$498.00M$498.00M$520.00M$447.00M$432.00M$411.00M$391.00M$381.00M$281.00M$439.00M$326.00M
    Operating Expenses$464.00M$450.00M$466.00M$475.00M$488.00M$513.00M$532.00M$629.00M$716.00M$705.00M$820.00M$3.14B
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$389.00M$63.00M$278.00M$300.00M$278.00M$419.00M$441.00M$628.00M$602.00M$586.00M$569.00M$549.00M
    Operating Income$-10,000,000$48.00M$32.00M$45.00M$-41,000,000$-81,000,000$-121,000,000$-238,000,000$-335,000,000$-424,000,000$-381,000,000$-2,817,000,000
    Interest Income$0$976.00M$984.00M$1.06B$1.10B$1.14B$1.16B$1.36B$1.53B$1.55B$1.51B$1.45B
    Interest Expense$552.00M$536.00M$541.00M$591.00M$676.00M$724.00M$754.00M$897.00M$1.02B$991.00M$889.00M$707.00M
    Income Before Tax$-10,000,000$48.00M$32.00M$45.00M$-41,000,000$-81,000,000$-121,000,000$-238,000,000$-335,000,000$-424,000,000$-381,000,000$-2,817,000,000
    Income Tax Expense$-22,000,000$14.00M$11.00M$16.00M$-5,000,000$-11,000,000$-21,000,000$-50,000,000$-55,000,000$-101,000,000$-54,000,000$-112,000,000
    Net Income$12.00M$34.00M$21.00M$29.00M$-36,000,000$-70,000,000$-100,000,000$-188,000,000$-280,000,000$-323,000,000$-327,000,000$-2,705,000,000
    EBITDA$-10,000,000$116.00M$67.00M$80.00M$-4,000,000$-44,000,000$-82,000,000$-193,000,000$-286,000,000$-380,000,000$-335,000,000$-2,771,000,000
    EBITN/A$48.00M$32.00M$45.00M$-41,000,000$-81,000,000$-121,000,000$-238,000,000$-335,000,000$-424,000,000$-381,000,000$-2,817,000,000
    * Some calculated fields are derived from available data when not provided by source

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    FLG Valuation and Fair Value

    P/E
    65.8x
    Forward P/E
    9.8x
    EV/EBITDA
    61.1x
    P/FCF
    62.1x
    PEG
    0.8x
    P/B
    0.6x
    See GNG's fair value

    FLG Profitability: Margins, ROIC and FCF

    Gross margin
    46.0%
    Operating margin
    9.3%
    Net margin
    4.8%
    ROIC
    0.4%
    ROE
    1.2%
    FCF margin
    1.8%
    FCF yield
    1.6%

    FLG Competitors

    CompanyTicker
    United Community Banks, Inc.UCB
    First Financial Bankshares IncFFIN
    Enova International IncENVA
    Blue Owl Technology Finance Corp.OTF
    Texas Capital Bancshares, Inc.TCBI
    CorVel CorpCRVL
    Qudian IncQD
    Moelis & CoMC

    Sector: Financial Services

    FLG Analyst Ratings

    Consensus
    Buy
    Analysts
    18
    Strong Buy
    4
    Buy
    8
    Hold
    6
    Sell
    0
    Strong Sell
    0

    FLG Bull Case vs Bear Case

    Bull case

    • 66.7% of FLG's analyst ratings are Buy or Strong Buy.

    Bear case

    • FLG trades at 65.8x trailing earnings.
    • FLG beat EPS estimates in 37.5% of its last 8 reported quarters.
    • FLG's quarterly revenue changed -5.6% year over year.

    FLG Earnings: Beat Rate and Next Report

    Beat rate
    3 of 8 quarters (37.5%)
    Average surprise
    15.0%
    EPS estimate (fiscal period ending Dec 31, 2026)
    $-0.06

    FLG Dividend

    Forward yield
    0.4%
    Payout ratio
    19.4%
    3Y DPS growth
    -73.0%
    5Y DPS growth
    -54.5%
    Pay months
    Mar, Jun, Sep, Dec
    FLG dividend history

    FLG Earnings Call

    The latest FLG earnings call transcript on file is labeled 2026Q3.

    Read the 2026Q3 transcript

    FLG ETF Holders

    GNG tracks 15 ETFs that hold FLG. The largest weights:

    1. State Street SPDR S&P Regional Banking ETF (KRE), 0.86% of the fund
    2. State Street SPDR S&P Bank ETF (KBE), 0.74% of the fund
    3. Global X U.S. Preferred ETF (PFFD), 0.39% of the fund
    4. iShares Preferred and Income Securities ETF (PFF), 0.25% of the fund
    5. iShares Russell 2000 ETF (IWM), 0.13% of the fund
    Open the ETF Stock Exposure tool for FLG

    Frequently Asked Questions About FLG

    When is FLG's next ex-dividend date?

    FLG's next ex-dividend date is Dec 7, 2026, for a declared dividend of $0.01 per share (record date Dec 7, 2026, payable Dec 17, 2026).

    What is FLG's current dividend yield?

    Flagstar Bank, National Association (FLG) has a forward dividend yield of 0.38%.

    Does FLG pay dividends?

    Yes, Flagstar Bank, National Association pays dividends with a forward dividend yield of 0.38%.

    What is FLG's P/E ratio?

    Flagstar Bank, National Association has a price-to-earnings (P/E) ratio of 65.75.

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