Key Points
- Director Alan Frank bought 10,000 FLG shares for approximately $101,400 at $10.14 each, increasing his holdings by 15.05% to 76,463 shares.
- Flagstar’s latest quarter fell short of expectations, with EPS of $0.01 versus the $0.07 consensus estimate and revenue of $530 million versus $545.12 million expected. The stock opened at $10.14, near its 52-week low of $9.93.
- Analysts maintain a consensus “Moderate Buy” rating with a $14.54 price target, while several firms have recently lowered targets. The company also authorized a $250 million share-repurchase program covering up to 4.1% of outstanding shares.
Flagstar Bank, National Association (NYSE:FLG - Get Free Report) Director Alan Frank bought 10,000 shares of the firm's stock in a transaction on Tuesday, October 27th. The stock was purchased at an average price of $10.14 per share, with a total value of $101,400.00. Following the completion of the acquisition, the director owned 76,463 shares of the company's stock, valued at approximately $775,334.82. This trade represents a 15.05% increase in their ownership of the stock. The purchase was disclosed in a filing with the Securities & Exchange Commission, which is available at this link.
Flagstar Bank, National Association Stock Performance
Flagstar Bank, National Association stock opened at $10.14 on Thursday. The firm's 50 day simple moving average is $12.23 and its 200-day simple moving average is $13.45. The company has a market cap of $4.21 billion, a P/E ratio of 67.57 and a beta of 1.05. The company has a debt-to-equity ratio of 1.53, a current ratio of 0.96 and a quick ratio of 0.96. Flagstar Bank, National Association has a fifty-two week low of $9.93 and a fifty-two week high of $15.44.
Flagstar Bank, National Association (NYSE:FLG - Get Free Report) last issued its quarterly earnings results on Friday, October 23rd. The company reported $0.01 EPS for the quarter, missing the consensus estimate of $0.07 by ($0.06). Flagstar Bank, National Association had a net margin of 2.22% and a return on equity of 1.45%. The firm had revenue of $530.00 million during the quarter, compared to analysts' expectations of $545.12 million. During the same quarter last year, the company posted ($0.07) EPS. As a group, equities research analysts predict that Flagstar Bank, National Association will post 0.28 EPS for the current year.
Flagstar Bank, National Association announced that its Board of Directors has initiated a stock repurchase program on Friday, July 24th that allows the company to repurchase $250 million in shares. This repurchase authorization allows the company to reacquire up to 4.1% of its stock through open market purchases. Share repurchase programs are often a sign that the company's board believes its stock is undervalued.
Institutional Trading of Flagstar Bank, National Association
A number of institutional investors have recently bought and sold shares of FLG. Empowered Funds LLC grew its position in shares of Flagstar Bank, National Association by 4.0% in the first quarter. Empowered Funds LLC now owns 29,313 shares of the company's stock valued at $386,000 after purchasing an additional 1,117 shares during the last quarter. D.A. Davidson & CO. increased its stake in shares of Flagstar Bank, National Association by 0.5% in the first quarter. D.A. Davidson & CO. now owns 278,650 shares of the company's stock worth $3,670,000 after purchasing an additional 1,400 shares during the period. State of Michigan Retirement System lifted its position in shares of Flagstar Bank, National Association by 2.0% during the 1st quarter. State of Michigan Retirement System now owns 72,095 shares of the company's stock worth $949,000 after purchasing an additional 1,400 shares during the last quarter. Mirador Capital Partners LP lifted its position in shares of Flagstar Bank, National Association by 1.8% during the 2nd quarter. Mirador Capital Partners LP now owns 89,706 shares of the company's stock worth $1,340,000 after purchasing an additional 1,571 shares during the last quarter. Finally, IFP Advisors Inc lifted its position in shares of Flagstar Bank, National Association by 114.0% during the 2nd quarter. IFP Advisors Inc now owns 3,013 shares of the company's stock worth $45,000 after purchasing an additional 1,605 shares during the last quarter. Institutional investors and hedge funds own 67.88% of the company's stock.
Analyst Upgrades and Downgrades
Several research firms have weighed in on FLG. TD Cowen lowered their target price on Flagstar Bank, National Association from $16.00 to $13.00 and set a "buy" rating on the stock in a research note on Monday. DA Davidson reiterated a "buy" rating and issued a $17.00 target price on shares of Flagstar Bank, National Association in a report on Monday, July 27th. Royal Bank Of Canada reduced their price target on shares of Flagstar Bank, National Association from $13.00 to $12.00 and set a "sector perform" rating for the company in a research report on Monday. UBS Group decreased their price target on shares of Flagstar Bank, National Association from $15.50 to $14.50 and set a "buy" rating for the company in a report on Tuesday. Finally, JPMorgan Chase & Co. dropped their price objective on shares of Flagstar Bank, National Association from $14.00 to $11.50 and set a "neutral" rating on the stock in a research note on Monday. Ten research analysts have rated the stock with a Buy rating, three have issued a Hold rating and one has given a Sell rating to the company. According to MarketBeat, Flagstar Bank, National Association presently has a consensus rating of "Moderate Buy" and a consensus price target of $14.54.
Read Our Latest Stock Report on Flagstar Bank, National Association
Flagstar Bank, National Association News Summary
Here are the key news stories impacting Flagstar Bank, National Association this week:
- Positive Sentiment: Director Alan L. Frank purchased 10,000 FLG shares for approximately $101,400, increasing his holdings by 15.05%. The insider purchase may signal confidence that the recent selloff has created value. SEC insider transaction filing
- Positive Sentiment: Flagstar declared a quarterly common-stock dividend of $0.01 per share, payable December 17, 2026. The dividend supports shareholder returns, although its small size is unlikely to materially change the investment case. Flagstar dividend announcement
- Positive Sentiment: Despite lowering its price target to $14.50 from $15.50, UBS maintained a “buy” rating. Citigroup also retained a “buy” rating after reducing its target to $14, while Cantor Fitzgerald reaffirmed its “overweight” rating with a $16 target. These ratings indicate analysts still see substantial longer-term upside if execution improves. UBS Flagstar price target update
- Neutral Sentiment: Fitch affirmed Flagstar’s “BB+” rating but lowered its outlook, citing a delayed recovery. The affirmation avoids an immediate downgrade, but the weaker outlook highlights ongoing credit and operating risks. Fitch rating update
- Negative Sentiment: Flagstar cut its 2026 and 2027 net interest income and EPS forecasts, citing higher credit costs and slower balance-sheet growth. Management also pushed its profitability target from 2027 to 2028, reinforcing concerns about earnings momentum and the pace of recovery. Flagstar outlook revision
- Negative Sentiment: Multiple analysts lowered their price targets, including JPMorgan, Truist and Barclays. Although the remaining ratings appear supportive, the broad target reductions reflect rising concern over credit costs, profitability and slower growth.
About Flagstar Bank, National Association
(
Get Free Report)
Flagstar Bank, National Association is a full-service regional bank and the principal banking subsidiary of Flagstar Financial, Inc, formerly known as New York Community Bancorp. The bank provides consumer and business banking services through deposits, checking and savings accounts, lending, cash management, and digital banking channels.
Flagstar's lending activities include residential mortgages, mortgage servicing, commercial real estate loans, multifamily financing, commercial and industrial loans, and other consumer credit products.
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