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.
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 $4.36B). 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.
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 $2.57B) and HFWA (Heritage Financial Corporation) posts a C grade (63/100 RQD, P/E 17.5x, ROIC 7.3%, cap $1.16B). Among the 5-stock peer group, SMBC leads on earnings multiple (13.5x) while SMBC leads on capital efficiency (10.3% ROIC).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 3/9
SEC XBRL FY 2025 (10-K): 0% FCF Margin ($0 FCF) & 0% Gross Margin
Dilution Drag (+2.20% YoY Shares) & executive Form 4 sales trim 16 pts from alignment
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.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($11.93) and Max Pain ($11.29) forces dealer call-delta covering toward $16.21.
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.
Flagstar Bank N.A. (FLG) surged +2.28% to $10.75, trading at 15% of its 52-week range ($9.93 – $15.44). Stretched risk/reward at current multiples (-1% return on capital) under elevated 10-year interest-rate pressure.
Yahoo! Finance Canada report covering Flagstar Bank N.A. (FLG) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Flagstar Bank N.A. (FLG) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Flagstar Bank N.A. (FLG) market action, institutional positioning, and fundamental catalysts.
Benzinga report covering Flagstar Bank N.A. (FLG) market action, institutional positioning, and fundamental catalysts.
PR Newswire report covering Flagstar Bank N.A. (FLG) market action, institutional positioning, and fundamental catalysts.
GuruFocus report covering Flagstar Bank N.A. (FLG) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Flagstar Bank N.A. (FLG) market action, institutional positioning, and fundamental catalysts.
Timothy Sykes report covering Flagstar Bank N.A. (FLG) market action, institutional positioning, and fundamental catalysts.
AvAir, a global leader in aviation aftermarket inventory solutions, today announced the closing of $170 million in new revolving credit facilities with a group of six financial institutions: HSBC Bank USA, N.A, Crédit Ag
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. -84.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on FLG today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for FLG. Explore sector supply chains on /butterfly.
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 #299 by equity capitalization ($4.36B). 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% | $4.36B | Benchmark Subject |
| BBT Beacon Financial Corporation | C+ | 67/100 | 28.5x | — | 3.6% | +3.10% | $2.57B | /bbt-vs-flg → |
| HFWA Heritage Financial Corporation | C | 63/100 | 17.5x | — | 7.3% | +2.67% | $1.16B | /hfwa-vs-flg → |
| NBBK NB Bancorp Inc. | C | 63/100 | 19.7x | — | 5.9% | +1.76% | $969.7M | /nbbk-vs-flg → |
| SMBC Southern Missouri Bancorp Inc. | C | 64/100 | 13.5x | — | 10.3% | +2.21% | $778.6M | /smbc-vs-flg → |
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 |
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 $4.36B). 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.
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 $2.57B) and HFWA (Heritage Financial Corporation) posts a C grade (63/100 RQD, P/E 17.5x, ROIC 7.3%, cap $1.16B). Among the 5-stock peer group, SMBC leads on earnings multiple (13.5x) while SMBC leads on capital efficiency (10.3% ROIC).
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.
FLG last traded at $10.75 (+2.28% on volume of 6,225,125 shares), positioning the stock -9.89% below its 50-day simple moving average ($11.93) and -19.84% below its 200-day simple moving average ($13.41). Across its 52-week range of $9.93 to $15.44, FLG sits at the 14.9% percentile with a 14-day RSI of 34.7 (NEUTRAL RANGE) and an implied next-earnings move of ±6.0% ($10.10 to $11.40).
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 $4.36B).
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.
Operating in Banks (Financials), FLG carries a macro regime beta of 1.11 and gross margin of —.
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Yahoo! Finance Canada report covering Flagstar Bank N.A. (FLG) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Flagstar Bank N.A. (FLG) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Flagstar Bank N.A. (FLG) market action, institutional positioning, and fundamental catalysts.
Benzinga report covering Flagstar Bank N.A. (FLG) market action, institutional positioning, and fundamental catalysts.
PR Newswire report covering Flagstar Bank N.A. (FLG) market action, institutional positioning, and fundamental catalysts.
GuruFocus report covering Flagstar Bank N.A. (FLG) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Flagstar Bank N.A. (FLG) market action, institutional positioning, and fundamental catalysts.
Timothy Sykes report covering Flagstar Bank N.A. (FLG) market action, institutional positioning, and fundamental catalysts.
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.
@ShortSeller_Dan Shorting a 4/20 institutional whale-flow stock at $10.51 is dangerous when funds are rotating into Financials.
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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