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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#2871
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$4.8B
Joseph M. Otting
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 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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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = FLG ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$FLG FLAGSTAR FINANCIAL, INC. | 45 | 33 | 42 | 58 | - | 57.1x | -6.0% | -0.5% | 0.0% | -7.1% | -15.7% | 64.1% | 0.4% | 163.0x | $4.8B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
FLAGSTAR FINANCIAL, INC. (FLG) receives a "Reduce" rating with a composite score of 44.6/100. It ranks #2871 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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In-line with peers — no strong momentum signal
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
No analyst ratings for FLG.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 33 | 55 | -22DRAG |
| MOMENTUM | 58 | 62 | -4NEUTRAL |
| VALUATION | 42 | 46 | -4NEUTRAL |
| INVESTMENT | 35 | 60 | -25DRAG |
| STABILITY | 39 | 34 | +5NEUTRAL |
| SHORT INT | 26 | 13 | +13ALPHA |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC -0.7% vs WACC 5.8% (spread -6.5%)
GM 0% vs sector 78%, OM -7% vs sector 18%
Capital turnover 0.23x
Rev growth 64%, 10yr history
Interest coverage -0.1x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate FLAGSTAR FINANCIAL, INC. (FLG) as a Reduce with a composite score of 44.6/100 at a current price of $13.59. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
FLAGSTAR FINANCIAL, INC. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 44.6/100 places it at rank #2871 in our full universe.
No Moat
High
Poor
Fair Value
Stable competitive position in a defensive sector.
Leverage of 163% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
FLAGSTAR FINANCIAL, INC. represents a reduce based on multi-factor quantitative performance.
FLAGSTAR FINANCIAL, INC. receives a Reduce rating from our analysis, with a composite score of 44.6/100 and 2 out of 5 stars, ranking #2871 out of 7,333 stocks. FLG's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
FLG's quality score of 33/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of -6.0% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of -15.7% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 42/100, FLG appears somewhat expensive relative to its fundamentals. Key valuation metrics include an EV/EBITDA of 57.14x, a P/B ratio of 0.72x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
FLAGSTAR FINANCIAL, INC.'s investment score of 35/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 64.1% vs. a sector average of 10.7% and a return on assets of -0.5% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
FLG demonstrates moderate momentum with a score of 58/100, suggesting a neutral price trend without strong directional conviction. Revenue growth stands at 64.1% year-over-year, while a beta of 0.86 reflects its sensitivity to broader market moves. Moderate momentum may indicate the stock is consolidating or transitioning between trends, warranting close monitoring of upcoming catalysts.
FLG's stability score of 39/100 signals elevated volatility and/or leverage concerns. Key stability metrics include a beta of 0.86 and a debt-to-equity ratio of 163.00x (sector avg: 0.5x). Investors should be prepared for wider-than-average price swings and consider position sizing accordingly to manage portfolio risk.
FLAGSTAR FINANCIAL, INC.'s short interest score of 26/100 reveals significant bearish positioning, suggesting institutional investors are actively betting against the stock. Specific risk factors include elevated leverage (D/E: 163.00x). At $4.8B (mid-cap), FLG carries meaningful risk and is best suited for investors with high risk tolerance who have thoroughly evaluated the bear thesis.
FLG offers a modest dividend yield of 0.4%. This compares to a sector average dividend yield of 2.0%. While the income contribution is relatively small, even a small dividend signals management's commitment to shareholder returns and can serve as a signal of financial discipline.
FLAGSTAR FINANCIAL, INC. is a mid-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #2871 of 7,333 overall (61st percentile). Key comparisons include ROE of -6.0% trailing the 9.0% sector median and operating margins of -7.1% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While FLG currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
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Improvement in Short Int. (26) would have the largest impact on the composite score.
EV/EBITDA 635% ABOVE SECTOR MEDIAN
ROE 167% BELOW SECTOR MEDIAN
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
Insightful Analysis of Third Avenue Management (Trades, Portfolio)'s Latest 13F Filing
New York Community Bancorp’s FLG.PR.A declares a $0.3984 quarterly dividend; forward yield 6.97%.
Flagstar Bank (FLG) declares a $0.01 quarterly dividend, matching prior payout.
Flagstar Bank, N.A. announced its Board of Directors declared quarterly cash dividends across multiple stock classes, including $0.01 per share on common stock and varying amounts on preferred stock series (A, B, and D). All dividends are payable on March 17, 2026, to shareholders of record as of March 7, 2026. The bank reported $87.5 billion in assets as of December 31, 2025.
Flagstar Financial announced quarterly cash dividends for its common stock and three series of preferred stocks, with dividends payable on September 17, 2025, to stockholders of record as of September 7, 2025.