FLG

NEUTRAL

$14.03 Live

Flagstar Bank, National Association · NYSE

Target $15.41 (+9.8%)

$10.38 52W Range $14.92

FLG Flagstar Bank, National Association - Fundamental Analysis

NEUTRAL

Console Chart News

FLG Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Banks - Regional

Current Price Live

$14.03

Analyst Target

$15.41

+9.8% Upside

52W High

$14.92

52W Low

$10.38

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 27, 2026

Market cap

$5.84B

P/E

N/A

ROE

-0.7%

Profit margin

-2.9%

Debt/Equity

N/A

Dividend yield

0.29%

AI Analysis

AI-powered fundamental assessment

Confidence

80%

The company exhibits severe financial fragility as evidenced by a critical Piotroski F-Score of 1/9, indicating poor operational health and financial deterioration. While the stock trades at a discount to book value (P/B 0.76) and shows a promising return to profitability in early 2026, the technical trend remains overwhelmingly bearish (10/100). The disconnect between the analyst 'Buy' consensus and the deterministic health scores suggests a speculative turnaround play rather than a stable investment. Overall, the valuation is attractive, but the underlying financial health is currently unacceptable.

Key Strengths

Trading below book value (P/B 0.76)

Strong YoY revenue growth of 21.20%

Recent return to positive EPS in 2026 quarters

Low Forward P/E of 8.85

Attractive PEG ratio of 0.78 suggesting growth is undervalued

Key Risks

Critical Piotroski F-Score (1/9) indicating systemic financial weakness

Negative profit margins (-2.85%) and negative ROE (-0.69%)

Severe bearish technical trend (10/100)

History of massive earnings misses and volatility between 2023-2025

Low dividend strength and minimal yield

AI Fair Value Estimate

Based on comprehensive analysis

$15.2

+8.3% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Moderate

Value

Future

Past

Health

Dividend

AI Verdict

Speculative Turnaround

Key drivers: Deep value valuation, Recovering EPS, Critical health scores, Bearish price action

Confidence

85%

Value

75/100

Ref P/E 8.85, P/B 0.76, PEG 0.78

Positives

P/B < 1.0
Low Forward P/E

Watchpoints

Lack of Graham Number for defensive floor

Future

60/100

Ref Growth rates and 2026 EPS progression

Positives

21.2% Revenue Growth
Positive EPS surprises in recent quarters

Watchpoints

Inconsistent earnings track record

Past

30/100

Ref Historical price and EPS trends

Positives

Strong performance prior to 2024

Watchpoints

5Y Change of -54.7%
Massive EPS collapse in 2024

Health

10/100

Ref Piotroski F-Score

Positives

No standout positives identified.

Watchpoints

Piotroski F-Score 1/9
Negative ROE/ROA

Dividend

25/100

Ref Yield and Payout

Positives

Low payout ratio (20.99%)

Watchpoints

Negligible yield (0.29%)
Low dividend strength score

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$14.03

Analyst Target

$15.41

Upside/Downside

+9.8%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for FLG and closest competitors.

Updated 2026-04-24

Company	5Y	3Y	1Y	6M	1M	1W
FLG Flagstar Bank, National Association Primary	-54.7%	-44.1%	+24.9%	+16.0%	+5.7%	-4.2%
ACT Enact Holdings, Inc. Peer	+145.2%	+101.6%	+25.8%	+5.2%	-6.5%	-2.3%
ESNT Essent Group Ltd. Peer	+33.3%	+63.0%	+14.7%	+4.3%	+9.8%	+2.5%
UBSI United Bankshares, Inc. Peer	+36.3%	+50.8%	+31.3%	+21.7%	+6.5%	-1.8%
HWC Hancock Whitney Corporation Peer	+78.4%	+106.5%	+48.3%	+24.4%	+13.2%	+2.6%

FLG

Flagstar Bank, National Association

Primary

-54.7%

-44.1%

+24.9%

+16.0%

+5.7%

-4.2%

ACT

Enact Holdings, Inc.

Peer

+145.2%

+101.6%

+25.8%

+5.2%

-6.5%

-2.3%

ESN

Essent Group Ltd.

Peer

+33.3%

+63.0%

+14.7%

+4.3%

+9.8%

+2.5%

UBS

United Bankshares, Inc.

Peer

+36.3%

+50.8%

+31.3%

+21.7%

+6.5%

-1.8%

HWC

Hancock Whitney Corporation

Peer

+78.4%

+106.5%

+48.3%

+24.4%

+13.2%

+2.6%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

N/A

8.85

0.78

0.76

2.97

5.36

N/A

$5.84B

Profitability

Profit margins and return metrics

Profit Margin -2.85%

Operating Margin 17.47%

Gross Margin N/A

ROE -0.69%

ROA -0.06%

Growth

Revenue and earnings growth rates

Revenue Growth +21.2%

Earnings Growth N/A

Q/Q Revenue Growth +3.92%

Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$16.81

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.6B

Net Margin

5.2%

Total Assets

$87.5B

Liabilities

$79.4B

Equity

$8.1B

Debt/Equity

9.75x

Operating CF

$-0.2B

CapEx

$-0.0B

Free Cash Flow

$-0.2B

FCF Yield

120%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-24

$N/A

2026-04-24

$0.04

+9.8% surprise

2026-01-30

$0.06

+170.3% surprise

2025-10-24

$-0.07

Financial Services Sector Comparison

Comparing FLG against 763 companies in the Financial Services sector (133 bullish, 317 neutral, 313 bearish)

Return on Equity (ROE)

-0.69%

This Stock

-1.82%

Sector Avg

-62.2% (Below Avg)

Profit Margin

-2.85%

This Stock

75.74%

Sector Avg

-103.8% (Weaker)

Revenue Growth

21.2%

This Stock

37.18%

Sector Avg

-43.0% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
FLG Flagstar Bank, National Association	NEUTRAL	$5.84B	-	-0.7%	-2.9%	$14.03
ACT Enact Holdings, Inc.	NEUTRAL	$5.85B	8.96	13.0%	54.6%	$40.49	Compare
ESNT Essent Group Ltd.	NEUTRAL	$5.98B	9.22	12.1%	54.7%	$63.62	Compare
UBSI United Bankshares, Inc.	NEUTRAL	$5.99B	12.18	9.3%	40.3%	$43.49	Compare
HWC Hancock Whitney Corporation	BULLISH	$5.66B	12.23	11.3%	33.3%	$69.35	Compare

FLG Flagstar Bank,...

NEUTRAL

Mkt Cap

$5.8B

P/E

ROE

-0.7%

Price

$14.03

ACT Enact Holdings, Inc.

Compare with FLG

ESNT Essent Group Ltd.

Compare with FLG

UBSI United Bankshares, Inc.

Compare with FLG

Compare with FLG

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-03-13	OTTING JOSEPH M.	Chief Executive Officer	Stock Award	81,967	-
2026-03-13	SMITH LEE MATTHEW	Chief Financial Officer	Stock Award	245,902	-
2026-03-13	MARX BRYAN	Officer	Stock Award	24,590	-
2026-03-13	BUCHANAN GEORGE	Officer	Stock Award	61,475	-
2026-03-13	BAO NGUYEN	General Counsel	Stock Award	122,951	-
2026-03-13	RAFFETTO RICHARD A	Officer	Stock Award	245,902	-
2026-01-27	LUX MARSHALL JAN	Director	Stock Award	9,939	-
2026-01-27	MNUCHIN STEVEN T	Director and Beneficial Owner of more than 10% of a Class of Security	Stock Award	9,939	-
2026-01-27	FRANK ALAN L	Director	Stock Award	9,939	-
2026-01-27	DINELLO ALESSANDRO	Director	Stock Award	9,939	-
2026-01-27	WHIP JENNIFER R	Director	Stock Award	9,939	-
2026-01-27	BERLINSKI MILTON R.	Director	Stock Award	9,939	-
2026-01-27	PUWALSKI ALLEN	Director	Stock Award	9,939	-
2026-01-02	LUX MARSHALL JAN	Director	Stock Award	7,968	-
2026-01-02	FRANK ALAN L	Director	Stock Award	11,952	-

OTTING JOSEPH M.

Chief Executive Officer

Stock Award

2026-03-13

81,967 shares

SMITH LEE MATTHEW

Chief Financial Officer

Stock Award

2026-03-13

245,902 shares

MARX BRYAN

Officer

Stock Award

2026-03-13

24,590 shares

BUCHANAN GEORGE

Officer

Stock Award

2026-03-13

61,475 shares

BAO NGUYEN

General Counsel

Stock Award

2026-03-13

122,951 shares

RAFFETTO RICHARD A

Officer

Stock Award

2026-03-13

245,902 shares

LUX MARSHALL JAN

Director

Stock Award

2026-01-27

9,939 shares

MNUCHIN STEVEN T

Director and Beneficial Owner of more than 10% of a Class of Security

Stock Award

2026-01-27

9,939 shares

FRANK ALAN L

Director

Stock Award

2026-01-27

9,939 shares

DINELLO ALESSANDRO

Director

Stock Award

2026-01-27

9,939 shares

WHIP JENNIFER R

Director

Stock Award

2026-01-27

9,939 shares

BERLINSKI MILTON R.

Director

Stock Award

2026-01-27

9,939 shares

PUWALSKI ALLEN

Director

Stock Award

2026-01-27

9,939 shares

LUX MARSHALL JAN

Director

Stock Award

2026-01-02

7,968 shares

FRANK ALAN L

Director

Stock Award

2026-01-02

11,952 shares

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

2026-04-24

Fulgent Genetics (FLG) filed an 8-K on April 24, 2026, likely to announce its first-quarter financial results.

8-K

2026-03-27

Fulgent Genetics (FLG) likely reported its quarterly financial results in this 8-K filing dated March 27, 2026.

10-K

2026-02-27

FLG filed its annual 10-K report on February 27, 2026. The provided excerpts do not contain specific financial metrics or detailed risk disclosures for analysis.

8-K

2026-02-27

Fulgent Genetics (FLG) filed an 8-K on February 27, 2026, likely to announce its annual financial results.

8-K

2026-01-30

Fulgent Genetics filed an 8-K on January 30, 2026, likely to report its quarterly or annual financial results.

8-K

2026-01-30

Fulgent Genetics filed an 8-K on January 30, 2026, likely to report its quarterly or annual financial results.

10-Q

2025-11-06

FLG filed its 10-Q on November 6, 2025, though the provided excerpts contain no specific financial metrics or risk descriptions. The filing directs investors to the 2024 Annual Report and Item 1A for detailed management discussion and risk factor analysis.

8-K

2025-11-03

Fulgent Genetics (FLG) filed an 8-K on November 3, 2025, likely to announce its third-quarter financial results.

S-1/A

2025-10-30

FLG filed an amended registration statement (Form S-1/A) on October 30, 2025, as part of its process to initiate an initial public offering.

8-K

2025-10-24

Fulgent Genetics (FLG) filed an 8-K, likely reporting its third-quarter financial results for 2025.

8-K

2025-10-24

8-K

2025-10-20

8-K

2025-10-16

8-K

2025-10-07

8-K

2025-08-26

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

BUY

16 analysts

Barclays

2026-04-07

Maintains

Overweight Overweight

Truist Securities

2026-04-07

Hold Buy

Keefe, Bruyette & Woods

2026-03-13

Market Perform Outperform

Morgan Stanley

2026-03-02

Maintains

Equal-Weight Equal-Weight

DA Davidson

2026-02-24

Maintains

Buy Buy

Citigroup

2026-02-03

Maintains

Buy Buy

DA Davidson

2026-02-02

Maintains

Buy Buy

JP Morgan

2026-02-02

Maintains

Neutral Neutral

Keefe, Bruyette & Woods

2026-02-02

Maintains

Market Perform Market Perform

RBC Capital

2026-02-02

Maintains

Sector Perform Sector Perform

Past News Coverage

Recent headlines mentioning FLG from our newsroom.

Newest → oldest

Back to All Stocks

TradingGPT V2 Copilot

Fundamentals • Valuation • Risk

Hi! I'm your fundamentals copilot.

Ask me to:
• Summarize the business quality
• Review valuation and multiples
• Highlight risks and red flags
• Explain growth and margin trends

FLG

FLG Flagstar Bank, National Association - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

Wait — Don't Miss Out!