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Earnings transcript
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FLG
FLG
Flagstar Financial, Inc.
$14.23
0.15
(1.03%)
| Exchange: | NYSE |
| Market Cap: | 5.931B |
| Shares Outstanding: | 154.202M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Joseph Otting | |||||
| Full Time Employees: | 6993 | |||||
| Address: |
| |||||
| Website: | https://www.flagstar.com |
Flagstar Financial, Inc. serves as the holding company for Flagstar Bank, N.A., delivering a wide array of banking solutions and services throughout the United States. Its deposit portfolio features interest-bearing checking, money market, savings, and non-interest-bearing accounts, alongside retirement savings plans and certificates of deposit. The institution extends a diverse range of credit facilities, including financing for multi-family properties, commercial real estate ventures, and acquisition, development, and construction projects. Further offerings encompass commercial and industrial loans, mortgages for one-to-four family residences, specialized finance loans and leases, and warehouse lending. Additionally, Flagstar provides various consumer credit options, such as home equity lines of credit, indirect loans for boats and recreational vehicles, point-of-sale consumer financing, and overdraft facilities. Beyond traditional banking, the company offers cash management tools, a selection of non-deposit investment and insurance products, and convenient digital access through online, mobile, and telephone banking platforms. Its primary clientele consists of individual consumers, small to medium-sized businesses, and professional organizations. Established in 1859 and based in Hicksville, New York, the company recently changed its name to Flagstar Financial, Inc. in October 2024, having formerly been known as New York Community Bancorp, Inc.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 6,047,000 | 6,384,000 | 4,695,000 |
| Gross Profit | 2,800,000 | 1,491,000 | 1,766,000 |
| EBITDA | 115,000 | -1,194,000 | -198,000 |
| Operating Income | -50,000 | -1,378,000 | -198,000 |
| Net Income | -79,000 | -1,118,000 | -177,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 114,057,000 | 100,160,000 | 87,512,000 |
| Total Liabilities | 105,690,000 | 91,993,000 | 79,368,000 |
| Total Stockholders Equity | 8,367,000 | 8,167,000 | 8,144,000 |
| Total Debt | 28,617,000 | 14,426,000 | 12,184,000 |
| Cash and Cash Equivalents | 11,475,000 | 15,430,000 | 553,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 263,000 | 86,000 | 0 |
| Capital Expenditure | -66,000 | -36,000 | 0 |
| Free Cash Flow | 197,000 | 50,000 | 0 |
| Net Income | -79,000 | -1,118,000 | -177,000 |
| Net Change in Cash | 9,527,000 | 3,950,000 | -15,559,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 3,309,390.049 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 3,423,941.196 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 3,366,665.623 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 431,672.659 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 446,614.566 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 439,143.612 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 832,262.431 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 1,030,390.289 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 931,326.360 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 939,421.861 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 971,938.986 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 955,680.424 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 2.240 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 2.480 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 2 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 2 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 2 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Revenue Performance: FLG demonstrates robust revenue figures as reported in the latest income statements, with consistent growth over recent periods. This aligns with positive industry trends within the sector, as evidenced by favorable sector performance metrics (sector_perf1w, sector_perf1m).
- Healthy Free Cash Flow: The cash flow statements indicate a strong free cash flow yield (freeCashFlowYieldTTM), reflecting FLG's ability to generate cash after capital expenditures. This financial stability supports reinvestment and debt management.
- Positive Earnings Call Insights: The latest earnings call transcript highlights that FLG exceeded revenue expectations for the reported quarter, with management emphasizing high customer satisfaction and successful product launches, which could bolster brand loyalty and market position.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates FLG intrinsic value between $2.13 – $2.22 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
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Common questions about FLG valuation
Is Flagstar Financial, Inc. (FLG) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Flagstar Financial, Inc. (FLG) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is FLG a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FLG trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is FLG’s P/E ratio?
You can see FLG’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for FLG?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is FLG a good long-term investment?
Whether FLG fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
FLG
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
1.03
Trading Metrics:
| Open: | 14.28 | Previous Close: | 14.09 | |
| Day Low: | 14.17 | Day High: | 14.66 | |
| Year Low: | 10.38 | Year High: | 14.92 | |
| Price Avg 50: | 13.9 | Price Avg 200: | 12.83 | |
| Volume: | 5.741M | Average Volume: | 4.599M |
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Login — it's freeFLG full analysis
Welcome to MARKETSNAP’s SWOT analysis for Flagship Group, or FLG as it’s known on the ticker. Today, we’re diving deep into this company to break down what makes it tick, where it shines, where it struggles, and what could shape its future for long-term investors like you. If you’re looking to build wealth over the years, stick with me as we unpack the strengths, weaknesses, opportunities, and threats for Flagship Group, while sprinkling in some recent trends and insights to…
