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Flagstar Bank, National Association FLG-PA

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23.01 USD -0.35 (-1.50%)

Nov 10, 2026, 3:41 PM EST

23.00 Day range 23.26
20.30 52-week range 24.50
YTD
+1.81%
1 year
+3.88%

Financial health

Rating

D+1 / 5 overall

  • DCF 1
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 1
  • P/B 1

Valuation

P/E -24.7×
FY 2016: 15.7×FY 2017: 14.5×FY 2018: 11.9×FY 2019: 15.6×FY 2020: 10.3×FY 2021: 10.2×FY 2022: 6.8×FY 2023: -62.6×FY 2024: -2.7×FY 2025: -24.7×
FY 2016 5y median -2.7× FY 2025
P/S 1.1×
FY 2016: 4.2×FY 2017: 3.5×FY 2018: 2.6×FY 2019: 3.0×FY 2020: 2.8×FY 2021: 3.2×FY 2022: 1.9×FY 2023: 1.2×FY 2024: 0.5×FY 2025: 1.1×
FY 2016 5y median 1.2× FY 2025
P/B 0.6×
FY 2016: 1.3×FY 2017: 0.9×FY 2018: 0.7×FY 2019: 0.8×FY 2020: 0.7×FY 2021: 0.8×FY 2022: 0.5×FY 2023: 0.9×FY 2024: 0.4×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025
P/FCF -8.7×
FY 2016: 11.5×FY 2017: 4.9×FY 2018: 8.6×FY 2019: 11.0×FY 2020: 14.6×FY 2021: 19.8×FY 2022: 4.1×FY 2023: 37.1×FY 2024: 59.8×FY 2025: -8.7×
FY 2016 5y median 19.8× FY 2025
EV/EBITDA -337×
FY 2016: 25.6×FY 2017: 23.9×FY 2018: 29.4×FY 2019: 35.8×FY 2020: 31.5×FY 2021: 29.0×FY 2022: 39.8×FY 2023: 213×FY 2024: -1.7×FY 2025: -337×
FY 2016 5y median 29.0× FY 2025
EV/Sales 3.6×
FY 2016: 11.4×FY 2017: 9.2×FY 2018: 9.7×FY 2019: 10.4×FY 2020: 10.9×FY 2021: 13.7×FY 2022: 15.5×FY 2023: 4.0×FY 2024: 0.3×FY 2025: 3.6×
FY 2016 5y median 4.0× FY 2025
FCF Yield -11.5%
FY 2016: 8.7%FY 2017: 20.5%FY 2018: 11.6%FY 2019: 9.1%FY 2020: 6.8%FY 2021: 5.0%FY 2022: 24.6%FY 2023: 2.7%FY 2024: 1.7%FY 2025: -11.5%
FY 2016 5y median 2.7% FY 2025

Profitability

Gross Margin 37.6%
FY 2016: 78.6%FY 2017: 73.1%FY 2018: 62.0%FY 2019: 54.7%FY 2020: 62.1%FY 2021: 77.0%FY 2022: 61.9%FY 2023: 46.3%FY 2024: 23.4%FY 2025: 37.6%
FY 2016 5y median 46.3% FY 2025
Operating Margin -4.2%
FY 2016: 42.5%FY 2017: 36.8%FY 2018: 31.3%FY 2019: 27.7%FY 2020: 33.2%FY 2021: 46.1%FY 2022: 37.9%FY 2023: -0.8%FY 2024: -21.6%FY 2025: -4.2%
FY 2016 5y median -0.8% FY 2025
Net Margin -3.8%
FY 2016: 27.1%FY 2017: 25.6%FY 2018: 23.7%FY 2019: 20.9%FY 2020: 28.9%FY 2021: 34.1%FY 2022: 29.8%FY 2023: -1.3%FY 2024: -17.5%FY 2025: -3.8%
FY 2016 5y median -1.3% FY 2025
ROE -2.2%
FY 2016: 8.1%FY 2017: 6.9%FY 2018: 6.3%FY 2019: 5.9%FY 2020: 7.5%FY 2021: 8.5%FY 2022: 7.4%FY 2023: -0.9%FY 2024: -13.7%FY 2025: -2.2%
FY 2016 5y median -0.9% FY 2025
ROIC 1.3%
FY 2016: 2.5%FY 2017: 2.3%FY 2018: 2.0%FY 2019: 1.8%FY 2020: 2.1%FY 2021: 2.4%FY 2022: 2.1%FY 2023: -0.2%FY 2024: -4.6%FY 2025: 1.3%
FY 2016 5y median 1.3% FY 2025
ROA -0.2%
FY 2016: 1.0%FY 2017: 0.9%FY 2018: 0.8%FY 2019: 0.7%FY 2020: 0.9%FY 2021: 1.0%FY 2022: 0.7%FY 2023: -0.1%FY 2024: -1.1%FY 2025: -0.2%
FY 2016 5y median -0.1% FY 2025

Growth (YoY)

Revenue -26.5%
FY 2016: -3.8%FY 2017: -0.5%FY 2018: -2.0%FY 2019: 6.1%FY 2020: -6.4%FY 2021: -1.1%FY 2022: 24.5%FY 2023: 177.6%FY 2024: 5.6%FY 2025: -26.5%
FY 2016 FY 2025
Operating Income 85.6%
FY 2016: 688.7%FY 2017: -14.0%FY 2018: -16.5%FY 2019: -6.2%FY 2020: 12.4%FY 2021: 37.1%FY 2022: 2.5%FY 2023: -106.1%FY 2024: -2656.0%FY 2025: 85.6%
FY 2016 FY 2025
EPS (diluted) 85.4%
FY 2016: 1021.2%FY 2017: -11.2%FY 2018: -12.2%FY 2019: -2.5%FY 2020: 32.5%FY 2021: 17.3%FY 2022: 5.0%FY 2023: -113.0%FY 2024: -612.2%FY 2025: 85.4%
FY 2016 FY 2025
Free Cash Flow -1302.0%
FY 2016: 247.5%FY 2017: 93.4%FY 2018: -59.2%FY 2019: -3.9%FY 2020: -34.5%FY 2021: -14.4%FY 2022: 257.7%FY 2023: -80.7%FY 2024: -74.6%FY 2025: -1302.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.5×
FY 2016: 0.0×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.3×FY 2024: 0.4×FY 2025: 0.5×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.5×
FY 2016: 0.0×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.3×FY 2024: 0.4×FY 2025: 0.5×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 1.5×
FY 2016: 2.2×FY 2017: 1.9×FY 2018: 2.1×FY 2019: 2.2×FY 2020: 2.4×FY 2021: 2.9×FY 2022: 3.6×FY 2023: 3.4×FY 2024: 1.8×FY 2025: 1.5×
FY 2016 5y median 2.9× FY 2025
Net Debt / EBITDA -233×
FY 2016: 16.1×FY 2017: 14.8×FY 2018: 21.6×FY 2019: 25.6×FY 2020: 23.5×FY 2021: 22.2×FY 2022: 34.9×FY 2023: 149×FY 2024: 0.8×FY 2025: -233×
FY 2016 5y median 22.2× FY 2025
Interest Coverage -0.1×
FY 2016: 2.0×FY 2017: 1.5×FY 2018: 0.8×FY 2019: 0.6×FY 2020: 1.0×FY 2021: 2.0×FY 2022: 1.2×FY 2023: -0.0×FY 2024: -0.4×FY 2025: -0.1×
FY 2016 5y median -0.0× FY 2025

Dividends

Dividend Yield 0.9%
FY 2016: 4.3%FY 2017: 5.6%FY 2018: 8.0%FY 2019: 6.3%FY 2020: 7.2%FY 2021: 6.2%FY 2022: 8.4%FY 2023: 7.1%FY 2024: 2.9%FY 2025: 0.9%
FY 2016 5y median 6.2% FY 2025
Payout Ratio -27.1%
FY 2016: 66.8%FY 2017: 76.5%FY 2018: 86.6%FY 2019: 88.6%FY 2020: 68.3%FY 2021: 58.6%FY 2022: 53.8%FY 2023: -657.0%FY 2024: -7.9%FY 2025: -27.1%
FY 2016 5y median -7.9% FY 2025

Annual · latest fiscal year ends 2025-12-31