Flagstar Bank (FLG)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$13.52+0.30%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · FLG
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -19.1% |
| Our one-year growth estimate | diamond | -26.0% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 6.8 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
FLG — earnings in line
Dated 2026-07-24
Results of Operations and Financial Condition On July 24, 2026 , Flagstar Bank, National Association (the “Bank”) issued a press release reporting its financial results for the quarter ended June 30, 2026. A copy of the press release is attached as Exhibit 99.1 to this report.
Why it matters: Lower operating expenses show better cost control. This can help the bank make more money.
Supportive ifOperating expenses fall over 3% from last quarter in Q3 2026.
Worry ifOperating expenses increase or stay flat in Q3 2026.
Why it matters: A lower CRE concentration ratio means better risk management. This helps keep finances stable.
Supportive ifCRE concentration ratio improves to below 350% in Q3.
Worry ifCRE concentration ratio rises above 367% in Q3.
Why it matters: Net income over $21 million shows ongoing profit and growth.
Supportive ifIn Q2 2026, net income for common stockholders is over $21 million.
Worry ifQ2 2026 net income falls below $21 million.
Why it matters: Better credit quality is key for long-term stability. It shows good risk management and builds investor trust.
Supportive ifNon-accrual loans decrease by more than 11% quarter over quarter.
Worry ifNon-accrual loans go up or stay the same. This shows ongoing credit problems.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$93 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $265 loss on $10,000 · 2.6% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,735 loss on $10,000 · 17.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: FOMC decisions can change interest rates. This affects loan demand and profits.
Watch forFOMC raises rates, leading to a positive impact on loan growth in Q3.
Also watch forFOMC cuts rates, leading to a slowdown in loan growth in Q3.
Why it matters: Strong C&I loan growth shows the bank's focus on commercial lending is working. This supports overall profitability.
Supportive ifC&I loans increase by more than $2 billion in Q3 compared to Q2.
Worry ifC&I loans grow less than $1 billion in Q3 compared to Q2.
Why it matters: A decline in CRE exposure shows the bank is managing risk effectively. This supports long-term stability.
Supportive ifCRE exposure falls below $35 billion in Q3.
Worry ifCRE exposure increases or remains above $35 billion in Q3.
Why it matters: Higher operating costs may show bad expense control. This can hurt profits.
Worry ifOperating costs stay under $450 million in Q3.
Less concerning ifOperating costs go over $450 million in Q3.
Why it matters: A drop in the CET1 capital ratio could signal weakening capital strength. This may affect investor confidence.
Worry ifCET1 capital ratio remains above 13% in Q3.
Less concerning ifCET1 capital ratio falls below 13% in Q3.