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Stock Ratings / Financials / FLG / earnings
BBT (67) HFWA (63) NBBK (63) SMBC (64) ⌘ Pro Terminal →

Flagstar Bank N.A. (FLG) Next Earnings Date & Expected ±5.9% Move

$10.75 +2.28% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $10.77

Flagstar Bank N.A. (FLG) carries a Roarable Rating of E (Strong Sell) with 22/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE E • RED ALERT Cap $4.46B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FLG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Flagstar Bank N.A. (NYSE: FLG) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 22/100 at a spot price of $10.75 (+2.28% 1D, market cap $4.46B). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 4/20, SEC Balance-Sheet Forensics 8/20, FRED Macro Regime Fit 3/20, and Executive Insider Alignment 4/20. Across 1097 tracked Financials issuers, FLG ranks #1079 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FLG compare to BBT and HFWA in the Financials sector?
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Within the Financials sector (Banks), FLG carries a Roarable E (22/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -0.6%. By comparison, BBT (Beacon Financial Corporation) holds a C+ grade (67/100 RQD, P/E 28.5x, ROIC 3.6%, cap $2.65B) and HFWA (Heritage Financial Corporation) posts a C grade (63/100 RQD, P/E 17.5x, ROIC 7.3%, cap $1.20B). Among the 5-stock peer group, SMBC leads on earnings multiple (13.5x) while SMBC leads on capital efficiency (10.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FLG?
▼

Per FLG's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000910073), Flagstar Bank N.A. generated $584.8M in revenue (-84.2% YoY), -$177.0M in net income, and -$181.0M in free cash flow against $87.51B in total assets and $35.72B in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $10.77 (+0.22%)🧬 Dilution Drag (+2.20% YoY Shares)⚙️ Cash Engine: 3/20 (E) • 0% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (22/100 · E) historically underperformed SPY in 71% of rolling 90-day windows (-11.4% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERRED ALERT • E
025507510022
3-of-3 Quant Analysts Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw E · Rk E
Cash (3)Whales (4)SEC (8)Macro (3)CEO (4)
Each axis scored 0–20
12M PRICE TARGET CONE-16.2% Base Target
$16 Bull$9 Base$7 Bear
📬 FREE FLG RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FLG)Realized 20D OHLCV Swing Band: ±5.9%
Deterministic 5-Pillar Attribution (22/100 Composite)
🔍 WHY FLG SCORES 22/100 (E) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+8/20 pts (36% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 3/9

▲ #2 Bullish Driver: Cash Engine Quality+4/20 pts (18% of score)

SEC XBRL FY 2025 (10-K): 0% FCF Margin ($0 FCF) & 0% Gross Margin

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution4/20 pts (-16 pt drag)

Dilution Drag (+2.20% YoY Shares) & executive Form 4 sales trim 16 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
30
Grade E$11.25+1.7% Next Q
Q2 (-2Q)
27
Grade E$11.44-8.5% Next Q
Q3 (-1Q)
25
Grade E$10.47+2.7% Next Q
Current
22
Grade E$10.75-11.4% Hist 90D α
Trajectory: E (30) → E (22)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a FLG Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While FLG currently carries a cautious 22/100 (E) rating due to Insider Conviction & Share Dilution (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($11.87) and Max Pain ($11.29) forces dealer call-delta covering toward $16.21.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+2.20% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FLG• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “FLG Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 22%NO 78%Trade / Inspect Odds →
NEXT EST. WINDOW: Dec 30, 2026 (~56 DAYS)

Historical OHLCV Volatility ±5.9% Swing Band

±$0.63 Expected Swing
$10.12 (-5.9%)Spot $10.75$11.38 (+5.9%)
MODEL EARNINGS SETUP GAUGE

FLG Quantitative Pre-Earnings Setup: 22/100

Trailing EPS: $-0.43 • YoY Revenue Growth: 2.2%

Model Bullish Setup (22/100)Model Risk Weight (78/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-12-31$584.8M-$177.0M-$181.0M52%
FY 20242024-12-31$3.69B-$1.12B$86.0M52%
FY 20232023-12-31$261.0M-$79.0M$263.0M52%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FLG)

  • ✓Walkthrough of FLG's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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FLG // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -22.66%📐 HORIZONTAL RANGE
2026-11-04O $10.51H $10.75L $10.51C $10.75VOL 6.23M
RES: $17.00SUP: $9.76SMA50: $11.87SMA200: $13.39
$15.83$14.23$12.63$11.03$9.43RES $17.00SUP $9.76$10.752026-05-052026-06-222026-08-062026-09-222026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FLG Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FLG Butterfly Map → + Track FLG →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
11.2%/yr Implied 5Y Growth

vs. -84.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on FLG today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FLG. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FLG today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FLG)

Financials Rank #1079 of 1097 ⚔️ BBT vs FLG Full Matrix →

1. Head-to-Head Financials Peer Comparison (FLG vs. BBT, HFWA, NBBK, SMBC)

Industry: Banks (24 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Flagstar Bank N.A. (FLG) ranks #1079 by composite RQD confidence (22/100, grade E) and #294 by equity capitalization ($4.46B). Within this direct 5-issuer industry benchmark cohort, SMBC leads on earnings valuation at 13.5x trailing P/E, while SMBC leads on capital efficiency and profitability with 10.3% ROIC and — gross margin. BBT currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with FLG at 22/100 (E).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
FLG ACTIVE
Flagstar Bank N.A.
E 22/100 — — -0.6% +2.28% $4.46B Benchmark Subject
BBT
Beacon Financial Corporation
C+ 67/100 28.5x — 3.6% +3.10% $2.65B /bbt-vs-flg →
HFWA
Heritage Financial Corporation
C 63/100 17.5x — 7.3% +2.67% $1.20B /hfwa-vs-flg →
NBBK
NB Bancorp Inc.
C 63/100 19.7x — 5.9% +1.76% $986.8M /nbbk-vs-flg →
SMBC
Southern Missouri Bancorp Inc.
C 64/100 13.5x — 10.3% +2.21% $795.8M /smbc-vs-flg →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000910073 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Flagstar Bank N.A. (FLG) reported GAAP revenue of $584.8M (-84.2% vs. FY2024 revenue of $3.69B , and +124.1% cumulative change since FY2023) , GAAP net income of -$177.0M, operating cash flow of -$181.0M, and free cash flow of -$181.0M (-310.5% YoY). On the balance sheet, FLG closed FY2025 with $87.51B in total assets against $35.72B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $584.8M -$177.0M -$181.0M -$181.0M $87.51B $35.72B
FY2024 (FY) 2024-12-31 $3.69B -$1.12B $86.0M $86.0M $100.16B $41.40B
FY2023 (FY) 2023-12-31 $261.0M -$79.0M $263.0M $263.0M $2.39B $559.3M

3. FLG Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FLG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Flagstar Bank N.A. (NYSE: FLG) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 22/100 at a spot price of $10.75 (+2.28% 1D, market cap $4.46B). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 4/20, SEC Balance-Sheet Forensics 8/20, FRED Macro Regime Fit 3/20, and Executive Insider Alignment 4/20. Across 1097 tracked Financials issuers, FLG ranks #1079 in composite RQD confidence.

How does FLG compare to BBT and HFWA in the Financials sector?

Within the Financials sector (Banks), FLG carries a Roarable E (22/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -0.6%. By comparison, BBT (Beacon Financial Corporation) holds a C+ grade (67/100 RQD, P/E 28.5x, ROIC 3.6%, cap $2.65B) and HFWA (Heritage Financial Corporation) posts a C grade (63/100 RQD, P/E 17.5x, ROIC 7.3%, cap $1.20B). Among the 5-stock peer group, SMBC leads on earnings multiple (13.5x) while SMBC leads on capital efficiency (10.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FLG?

Per FLG's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000910073), Flagstar Bank N.A. generated $584.8M in revenue (-84.2% YoY), -$177.0M in net income, and -$181.0M in free cash flow against $87.51B in total assets and $35.72B in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FLG trading relative to its 50-day, 200-day, and 52-week technical levels?

FLG last traded at $10.75 (+2.28% on volume of 6,225,125 shares), positioning the stock -9.44% below its 50-day simple moving average ($11.87) and -19.72% below its 200-day simple moving average ($13.39). Across its 52-week range of $9.93 to $15.44, FLG sits at the 14.9% percentile with a 14-day RSI of 42.1 (NEUTRAL RANGE) and an implied next-earnings move of ±5.9% ($10.12 to $11.38).

Direct Sub-Reports: FLG RQD Cockpit FLG 12M Forecast FLG Earnings & Move FLG Dividends & DRIP FLG Insiders & 13F FLG Whale Options FLG Profit Sankey FLG News & Why
ROARABLE RATING BRIEF • RQD 22/100 (E) ✓ SEC XBRL & RQD VERIFIED

FLG — Flagstar Bank N.A.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Flagstar Bank N.A. (FLG) earns a live Roarable RQD composite score of 22/100, corresponding to a E letter grade (Roarable Strong Sell) at a spot price of $10.75 (+2.28% 1D, market capitalization $4.46B).

  • Fundamental Cash Engine (3/20): Anchored by return on invested capital (ROIC) of -0.6%, gross margin of —, operating margin of -17.7%, and free cash flow yield of -5.42%.
  • Whale 13F & Options Flow (4/20) + Insider Conviction (4/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (3/20) + Forensic Balance Sheet (8/20): Incorporates a 1.11x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 3/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Flagstar Bank N.A. (FLG) is a NYSE-listed issuer classified under the Financials sector and the Banks industry,. Reported revenue is — in each period shown, so the source does not establish how the company earns income.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Flagstar Bank N.A. (FLG) reported $584.8M in annual revenue (up from $3.69B in FY2024, -84.2% YoY) and -$177.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($261.0M revenue, -$79.0M net income) through FY2025, FLG scaled operating cash flow to -$181.0M and free cash flow to -$181.0M, backed by $87.51B in total assets against $35.72B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (E • RQD 22/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of -5.42% and institutional whale pillar of 4/20. With Fundamental Cash Engine at 3/20 and Institutional Whale Flow at 4/20, sustained execution supports upside toward the upper end of the $9.93 – $15.44 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against -17.7% operating margins and a 1.11x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Banks (Financials), FLG carries a macro regime beta of 1.11 and gross margin of —.

  • Key Question #1: Can FLG sustain or expand its -17.7% operating margin and -0.6% ROIC against Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $584.8M and free cash flow of -$181.0M, how will capital allocation balance growth reinvestment against $35.72B in total debt?
  • Key Question #3: How sensitive is FLG's 18.0x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.11x)?

FLG Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Flagstar Bank N.A. (FLG) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to FLG Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FLG Bull vs. Bear Conversation Board — What's Your Call at $10.75?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FLG 🐻 33% BEARISH CONVICTION
1. Pick Your Side on FLG:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeltaGamma_99 RQD DEBATE OPENER • Options Flow Specialist 🐂 BULLISH 🎯 Target: $13.03 (+24.0%)
📌 Pinned Debate

The stock trades at 10.47 with a 1.11 beta, and the forward P/E of 18 is the only forward-looking valuation metric in the data, with th

Here is why I am bullish on FLG here at $10.51: The stock trades at 10.47 with a 1.11 beta, and the forward P/E of 18 is the only forward-looking valuation metric in the data, with the balance sheet pillar (Altman Z 2.5, D/E 0.5) being its relative strength.. Compare FLG's -17.7% operating margin and -0.6% ROIC against the rest of Banks. As long as cash conversion holds up, dips toward $9.98 are getting bought.

RetailWhale_TX 🐂 BULL

@ShortSeller_Dan Shorting a 4/20 institutional whale-flow stock at $10.51 is dangerous when funds are rotating into Financials.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $8.72 (-17.0%)
Spot @ $10.51

Negative ROIC (-0.6%), negative FCF yield (-5.42%), and losses across FY 2023–FY 2025 leave the rating at 22 / E with four of five pill

Negative ROIC (-0.6%), negative FCF yield (-5.42%), and losses across FY 2023–FY 2025 leave the rating at 22 / E with four of five pillars scoring 4 or below.. Look at the math on FLG: paying 18.0x forward P/E for -0.6% ROIC and -17.7% operating margins leaves zero margin of safety if Banks demand softens. I'd wait for a retest of $9.25 before getting long.

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