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BBT (67) HFWA (63) NBBK (63) SMBC (64) ⌘ Pro Terminal β†’

Flagstar Bank N.A. (FLG) Options Positioning, Max Pain & Unusual Sweeps

$10.75 +2.28% NYSE β€’ 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 β€’ RED ALERT Cap $4.36B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is FLG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does FLG compare to BBT and HFWA in the Financials sector?
β–Ό

Within the Financials sector (Banks), FLG carries a Roarable E (22/100 RQD), trailing P/E of N/A, gross margin of β€”, 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).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FLG?
β–Ό

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.

βœ“ Pre-computed one-to-many AI Quant brief
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INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $10.77 (+0.22%)🧬 Dilution Drag (+2.20% YoY Shares)βš™οΈ Cash Engine: 3/20 (E) β€’ 0% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record Warning: Scores below 50 (22/100 Β· E) historically underperformed SPY in 71% of rolling 90-day windows (-11.4% avg 90D alpha vs SPY β€’ 29.0% hit rate).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERRED ALERT β€’ E
025507510022
3-of-3 Quant Analysts Bearish Warning
Cash
SEC
Whale

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

5-PILLAR RQD RADARRw E Β· 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
πŸ“¬ FREE FLG RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for FLG)Realized 20D OHLCV Swing Band: Β±6%
Deterministic 5-Pillar Attribution (22/100 Composite)
πŸ” WHY FLG SCORES 22/100 (E) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: SEC 10-K Forensic Risk+8/20 pts (36% of score)

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

β–² #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

β–Ό #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

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
30
Grade E$11.11-0.4% Next Q
Q2 (-2Q)
27
Grade E$11.07-8.2% Next Q
Q3 (-1Q)
25
Grade E$10.16+5.8% Next Q
Current
22
Grade E$10.75-11.4% Hist 90D Ξ±
Trajectory: E (30) β†’ E (22)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

βš”οΈ Adversarial Opposing Case: What Could Spark a FLG Turnaround Squeeze

Gideon Ashmere Forensic Desk β†’

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.

πŸš€ Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

πŸš€ Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($11.93) and Max Pain ($11.29) forces dealer call-delta covering toward $16.21.

πŸš€ 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 $FLGβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œFLG Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 22%NO 78%Trade / Inspect Odds β†’
CALL VS. PUT WHALE SHARE
β€” (No Active Options Snapshot)
Put/Call Ratio: β€” (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
β€” (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
Β±6%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (FLG)

β€” (No Active Options Snapshot) β€” No unusual CBOE strike concentration anomalies recorded in the current database snapshot for FLG.

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

  • βœ“Walkthrough of FLG's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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FLG // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -22.44%πŸ“ HORIZONTAL RANGE
2026-11-03O $10.47H $10.75L $10.47C $10.75VOL 6.25M
RES: $16.98SUP: $9.79SMA50: $11.93SMA200: $13.41
$15.83$14.23$12.63$11.03$9.43RES $16.98SUP $9.79$10.752026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

πŸ¦‹ FLG Butterfly Map β†’ + Track FLG β†’
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 β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

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 β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FLG)

Financials Rank #1079 of 1097 βš”οΈ BBT vs FLG Full Matrix β†’

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 #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 β€” 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 β€” β€” -0.6% +2.28% $4.36B Benchmark Subject
BBT
Beacon Financial Corporation
C+ 67/100 28.5x β€” 3.6% +3.10% $2.57B /bbt-vs-flg β†’
HFWA
Heritage Financial Corporation
C 63/100 17.5x β€” 7.3% +2.67% $1.16B /hfwa-vs-flg β†’
NBBK
NB Bancorp Inc.
C 63/100 19.7x β€” 5.9% +1.76% $969.7M /nbbk-vs-flg β†’
SMBC
Southern Missouri Bancorp Inc.
C 64/100 13.5x β€” 10.3% +2.21% $778.6M /smbc-vs-flg β†’

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

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0000910073 β†—

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)

βœ“ 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 $4.36B). 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.

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 β€”, 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).

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 -9.89% 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 Β±6.0% ($10.10 to $11.40).

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 β€’ RQD 22/100 (E) βœ“ SEC XBRL & RQD VERIFIED

FLG β€” 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 $4.36B).

  • Fundamental Cash Engine (3/20): Anchored by return on invested capital (ROIC) of -0.6%, gross margin of β€”, 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 β€” 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

  • πŸ‚ Primary Bull Case (E β€’ 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 β€”.

  • 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) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to FLG Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

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

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FLG 🐻 33% BEARISH CONVICTION
1. Pick Your Side on FLG:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeltaGamma_99 RQD DEBATE OPENER β€’ Options Flow Specialist πŸ‚ BULLISH 🎯 Target: $13.03 (+24.0%)
πŸ“Œ 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 πŸ‚ 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 β€’ 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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