Flagstar Bank, N.A. (FLG) Stock Analysis
Financial Services · Banks - Regional
Sell if holding. Engine safety override at $13.27: a dimension score below its floor triggers a hard block regardless of the otherwise-positive setup — overall score 6.0/10. Specifically: Below-average business quality; Negative price momentum.
Flagstar Bank is a national bank with $87.5B in assets headquartered in Hicksville, NY, operating ~340 branches across nine states with a loan portfolio heavily concentrated in multi-family and commercial real estate in the New York City metro area. Revenue comes from net... Read more
Sell if holding. Engine safety override at $13.27: a dimension score below its floor triggers a hard block regardless of the otherwise-positive setup — overall score 6.0/10. Specifically: Below-average business quality; Negative price momentum. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Score 6.0/10, moderate confidence.
Passes 5/7 gates (clean insider activity, no SEC red flags, earnings proximity 65d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: moderate.
Recent Developments — Flagstar Bank, N.A.
Latest news
- Flagstar Bank Extends CEO Joseph Otting's Contract Through 2028; Names Richard Raffetto And Lee Smith Co-Presidents And — benzinga May 18, 2026 positive
- Jim Cramer Says 'No' To Flagstar Bank And 'Yes' To This Basic Materials Stock — benzinga Apr 30, 2026 negative
- Citigroup Maintains Buy on Flagstar Bank, Raises Price Target to $17 — benzinga Apr 28, 2026 positive
- Flagstar Shows 'Green Shoots,' Analysts Say, But Earnings Outlook Still Under Pressure — benzinga Apr 27, 2026 positive
- Piper Sandler Maintains Overweight on Flagstar Bank, Raises Price Target to $16.5 — benzinga Apr 27, 2026 positive
Generated 2026-05-20T21:06:21Z.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHloan_portfoliomulti-family loans48%10-K Item 1A: '$29.0 billion or 47.7 percent of our total loans and leases held for investment portfolio consisted of multi-family loans'
- HIGHGeographicNew York State multi-family55%10-K Item 1A: '$15.8 billion or 55 percent of our total multi-family loan portfolio was secured by properties in New York State'
- LOWloan_portfoliouninsured deposits20%10-K Item 1A: 'approximately 20 percent of our total deposits were not FDIC-insured or collateralized by securities or letters of credit'
- MEDIUMregulatoryOCC10-K Item 1: 'The Bank is a national banking association, subject to federal regulation and oversight by the Office of Comptroller of the Currency (the “OCC”)'
Material Events(8-K, last 90d)
- 2026-03-27Item 5.02LOWAlessandro DiNello (director) not standing for re-election at June 2026 Annual Meeting. Eli H. Miller appointed to Board effective April 1, 2026 to fill resulting vacancy. No disagreement cited.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
2 floor-breakers
Unprofitable operations — net margin -2.8%. Quality floor flags this regardless of sector context.static
Momentum below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Engine safety override at $13.27: a dimension score below its floor triggers a hard block regardless of the otherwise-positive setup — overall score 6.0/10. Specifically: Below-average business quality; Negative price momentum. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Prior stop was $12.70. Score 6.0/10, moderate confidence.
Take-profit target: $14.12 (+6.4% upside). Prior stop was $12.70. Stop-loss: $12.70.
Concentration risk — Loan Portfolio: multi-family loans (47.7%); Concentration risk — Geographic: New York State multi-family (55.0%); Quality below floor (2.5 < 4.0).
Flagstar Bank, N.A. trades at a P/E of N/A (forward 8.6). TrendMatrix value score: 8.5/10. Verdict: Sell.
22 analysts cover FLG with a consensus score of 3.7/5. Average price target: $16.
What does Flagstar Bank, N.A. do?Flagstar Bank is a national bank with $87.5B in assets headquartered in Hicksville, NY, operating ~340 branches across...
Flagstar Bank is a national bank with $87.5B in assets headquartered in Hicksville, NY, operating ~340 branches across nine states with a loan portfolio heavily concentrated in multi-family and commercial real estate in the New York City metro area. Revenue comes from net interest income on loans and wholesale funding channels including $11.2B in FHLB borrowings.