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FLGFlagstar Bank, N.A.Sell4.1·$10.34

Flagstar Bank, N.A. (FLG) Q3 2026 earnings — TrendMatrix coverage

MISS-85.9% vs estimateEPS $0.01 vs $0.07 estCurrent verdict Sell 4.1/10

Reported

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure · Editorial policy

Event detail · Q3 2026

Key numbers

Adjusted EPS
$0.01
Estimate
$0.07
Surprise
-85.9%
Score today
4.1/10

Revenue for this quarter isn’t shown: the reported figure hasn’t cleared TrendMatrix’s freshness and sanity checks yet, and consensus revenue isn’t tracked. EPS above is the available figure.

Report record · Q3 2026

How the report landed

Flagstar Bank, N.A. (FLG) missed the $0.07 estimate with adjusted EPS of $0.01 — a large 85.9% shortfall.

Around the report

Coverage in the report window

  • Flagstar Stock Drops to New 52-Week Low After Mixed Q3 Results — benzinga, 2026-10-23
  • Flagstar Financial Q3 2026 Earnings Call Transcript — benzinga, 2026-10-23
  • Flagstar Bank Reports Third Quarter 2026 Financial Results — fiscal.ai, 2026-10-23
Current read · as of 2026-11-13

Where TrendMatrix's rating stands now

TrendMatrix currently rates FLG Sell at 4.1/10; no pre/post engine snapshot brackets this report.

1 of the last 4 quarters beat the estimate; this quarter's -85.9% surprise compares with a +17.0% four-quarter average. Next scheduled report: 2027-01-29.

What argues against it

  • Concentration risk — Geographic: New York State multi-family (55.0%)
  • Concentration risk — Regulatory: OCC primary regulator
  • Quality below floor (2.4 < 4.0)

This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.

Current engine read

The levels TrendMatrix's engine tracks

Current price
$10.34
Price target
$11.86
Stop
$9.74
Upside to target
+14.7%
Reward-to-risk
2.5:1

The stock trades at 69.7× trailing but 14.5× forward earnings — consensus estimates already build in a substantial earnings recovery.

Model outputs from TrendMatrix’s engine as of 2026-11-13 — shown for context, not personalized investment advice.

Financial Services context

FLG at TrendMatrix's latest read

For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.

Industry
Banks - Regional
Market cap
$4.16B
P/E (fwd)
14.5
P/E (ttm)
69.7
52-week range
$9.93–$15.44
Off 52-week high
33.0%
RSI (14)
49
Volume vs avg
0.84×
Score today
4.1/10

EPS and the estimate come from Yahoo Finance’s earnings calendar, captured around the report date. That EPS is the adjusted figure analysts forecast, so it can differ from the GAAP diluted EPS in the company’s filing, and consensus estimates vary between data providers. Revenue comes from SEC XBRL company facts where available, yfinance-provisional otherwise. Not a buy/sell rating, a price target, or investment advice — see the current verdict on the stock’s main page for TrendMatrix’s live read.

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