Flagstar Bank, N.A. (FLG) Stock Analysis
Range Bound setup
Financial Services · Banks - Regional
Sell if holding. Engine safety override at $13.92: a dimension score below its floor triggers a hard block regardless of the otherwise-positive setup — overall score 5.6/10. Specifically: Below-average business quality; Negative price momentum.
Flagstar Bank, National Association is a $87.5 billion-asset national bank headquartered in Hicksville, New York, operating approximately 340 locations across nine states with concentration in the New York/New Jersey metro region and upper Midwest. It primarily originates... Read more
Sell if holding. Engine safety override at $13.92: a dimension score below its floor triggers a hard block regardless of the otherwise-positive setup — overall score 5.6/10. Specifically: Below-average business quality; Negative price momentum. Chart setup: RSI 46 mid-range, Bollinger mid-band. Score 5.6/10, moderate confidence.
Passes 5/7 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 84d clear, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: moderate.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMloan_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'
- LOWPropertyoffice CRE loans21%10-K Item 1A: '$2.0 billion, or 21.0 percent of our CRE loan portfolio was secured by office buildings'
Material Events(8-K, last 90d)
- 2026-03-27Item 5.02LOWAlessandro DiNello will not stand for re-election at the 2026 Annual Meeting (June 9, 2026). Eli H. Miller appointed to the Board effective April 1, 2026, filling the 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 $13.92: a dimension score below its floor triggers a hard block regardless of the otherwise-positive setup — overall score 5.6/10. Specifically: Below-average business quality; Negative price momentum. Chart setup: RSI 46 mid-range, Bollinger mid-band. Prior stop was $13.11. Score 5.6/10, moderate confidence.
Take-profit target: $14.03 (+1.2% upside). Prior stop was $13.11. Stop-loss: $13.11.
Concentration risk — Geographic: New York State multi-family (55.0%); Target reached (1.2% upside); Quality below floor (2.3 < 4.0).
Flagstar Bank, N.A. trades at a P/E of N/A (forward 8.7). TrendMatrix value score: 8.2/10. Verdict: Sell.
22 analysts cover FLG with a consensus score of 3.6/5. Average price target: $16.
What does Flagstar Bank, N.A. do?Flagstar Bank, National Association is a $87.5 billion-asset national bank headquartered in Hicksville, New York,...
Flagstar Bank, National Association is a $87.5 billion-asset national bank headquartered in Hicksville, New York, operating approximately 340 locations across nine states with concentration in the New York/New Jersey metro region and upper Midwest. It primarily originates multi-family and commercial real estate loans concentrated in New York City, and commercial and industrial loans nationally, funded by retail deposits and wholesale borrowings.