# Flagstar Bank N.A. (FLG) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $13.52, market value $5.6 billion.

## Valuation
- **P/E (trailing): 450.7×** (5-yr avg 7.5×). Flagstar Bank N.A. trades at 450.7× trailing earnings, well above its own five-year average of 7.5×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.0×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.12**. A PEG of 0.12 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 207.9×**. Each dollar of revenue is priced at 207.9×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 0.7×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Earnings yield: 0.2%**. The inverse of the P/E: 0.2% of the price is earned each year.

## Profitability
- **Return on equity: -2.2%**. Return on equity is negative because earnings are negative.
- **Return on assets: 0.7%**. Each dollar of assets produces 0.7% of profit; low single digits are normal for banks and insurers.

## Growth
- **EPS growth (1 yr): 85.7%**. Earnings per share rose 85.7%.

## Financial health
- **Piotroski F-score: 2/9**. 2 of 9 checks pass: weak or deteriorating financials.

## Dividends
- **Dividend yield: 0.30%** ($0.04 per share, trailing). Flagstar Bank N.A. yields 0.30%, a modest yield more typical of a growth-oriented payer.
- **Dividend growth (5 yr): -54.5%/yr** (1-yr -80.0%). The dividend has not grown over five years.

## Analyst view
- **Analyst consensus: buy** (17 analysts). 17 analysts cover Flagstar Bank N.A.; the consensus is buy, with an average price target of $16.26 (+20% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 4.7%** (YTD 7.5%, 3-mo -3.6%). The shares are up 4.7% over twelve months including dividends.
- **From 52-week high: -12.4%** (27.9% above the low). Trading 12% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 43**. An RSI of 43 is neutral.
- **Beta (1 yr): 0.89** (volatility 29%). Beta of 0.89 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=FLG · Page: https://foliofundamentals.com/stocks/flg

Not investment advice.