Flagstar Bank (FLG)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
$10.60-3.28%
Close 2026-11-05 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · FLG
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-11-05.
The screen ranks FLG against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 57% of the time over the next year (vs 59% for the rest of the cohort, n=7714).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
• Consistent with the Bank's overall balance sheet transformation and diversification strategy, total C&I loans improved to 24% of total assets compared to 21% last quarter and 17% at year-end 2025.
Stated in 4 of 5 supplied quarters. Management reported: “• Consistent with the Bank's overall balance sheet transformation and diversification strategy, total C&I loans improved to 24% of total assets compared to 21% last quarter and 17% at year-end 2025.” “– Total C&I loans increased $2.0 billion or 12% to $18.6 billion driven primarily by growth within Specialized Industries and Corporate & Regional Commercial Banking.”
“• Consistent with the Bank's overall balance sheet transformation and diversification strategy, total C&I loans improved to 24% of total assets compared to 21% last quarter and 17% at year-end 2025.”
“– Total C&I loans increased $2.0 billion or 12% to $18.6 billion driven primarily by growth within Specialized Industries and Corporate & Regional Commercial Banking.”
“Overall, C&I loans grew $1.4 billion or 9% , with growth becoming more broad based - resulting from our two strategic growth areas - Specialized Lending and Corporate and Regional Commercial Banking,…”
“Fourth quarter 2025 marked another strong quarter of production from the Bank's commercial and industrial ("C&I") lending teams within our two strategic growth areas - Specialized Industries Lending…”
We continue to diversify the balance sheet through a strategic reduction in the multi-family and commercial real estate portfolios, offset by originations of new CRE loans across our footprint.
Stated in 4 of 5 supplied quarters. Management reported: “• The CRE portfolio continued to decline with the combined multi-family and CRE portfolios declining $1.5 billion or 4% to $35.2 billion.” “In addition, our CRE concentration is at an all time low, ending the year at 381%, as we have diligently focused on reducing our commercial real estate exposure over the last two years.”
We will continue to prioritize disciplined risk management, sustainable earnings growth, balance sheet strength, and the consistent execution of our strategic plan to position the Bank for long-term…
Stated in 3 of 5 supplied quarters. Management reported: ““Also contributing to our improved operating performance was our continued focus on expense management, as operating expenses declined 3% , driving positive operating leverage of 7% .” “In addition, we continue to prudently manage our expense base, resulting in operating expenses declining 3% quarter-over-quarter and 26% year-over-year.”
On that note, this morning we also announced the adoption of a $250 million share repurchase program.
Stated in 1 of 5 supplied quarters. Management reported: “On that note, this morning we also announced the adoption of a $250 million share repurchase program.” “We believe that returning capital to our shareholders through a stock buyback represents a compelling and disciplined use of our excess capital at this time.”
“On that note, this morning we also announced the adoption of a $250 million share repurchase program.”
Strengthen executive leadership and succession planning to support execution of the Bank's long-term strategic plan.
Over the trailing year it converted 0.07x of net income into operating cash flow.
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
16 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 58% for the rest of the cohort, n=10134).
Not investment advice. As of 2026-11-05.
“We continue to diversify the balance sheet through a strategic reduction in the multi-family and commercial real estate portfolios, offset by originations of new CRE loans across our footprint.”
“• The CRE portfolio continued to decline with the combined multi-family and CRE portfolios declining $1.5 billion or 4% to $35.2 billion.”
“The year-over-year decline is due to the Bank's strategy to reduce its multi-family and commercial real estate ("CRE") exposure and balance sheet deleveraging.”
“In addition, our CRE concentration is at an all time low, ending the year at 381%, as we have diligently focused on reducing our commercial real estate exposure over the last two years.”
“We will continue to prioritize disciplined risk management, sustainable earnings growth, balance sheet strength, and the consistent execution of our strategic plan to position the Bank for long-term…”
““Also contributing to our improved operating performance was our continued focus on expense management, as operating expenses declined 3% , driving positive operating leverage of 7% .”
“In addition, we continue to prudently manage our expense base, resulting in operating expenses declining 3% quarter-over-quarter and 26% year-over-year.”