Flagstar Financial, Inc. (FLG) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Flagstar Financial, Inc. stock (FLG) is currently trading at $13.27. Flagstar Financial, Inc. PS ratio (Price-to-Sales) is 2.91. Analyst consensus price target for FLG is $15.00. WallStSmart rates FLG as Hold.
- FLG PE ratio analysis and historical PE chart
- FLG PS ratio (Price-to-Sales) history and trend
- FLG intrinsic value — DCF, Graham Number, EPV models
- FLG stock price prediction 2025 2026 2027 2028 2029 2030
- FLG fair value vs current price
- FLG insider transactions and insider buying
- Is FLG undervalued or overvalued?
- Flagstar Financial, Inc. financial analysis — revenue, earnings, cash flow
- FLG Piotroski F-Score and Altman Z-Score
- FLG analyst price target and Smart Rating
Flagstar Financial, Inc.
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Smart Analysis
Flagstar Financial, Inc. (FLG) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around return on equity and profit margin. Fundamentals are solid but monitor weak areas for improvement.
Flagstar Financial, Inc. (FLG) Key Strengths (5)
Growing significantly faster than its price suggests
Trading below book value, meaning the market prices it less than net assets
91.84% of shares held by major funds and institutions
Strong operational efficiency: $22 kept per $100 revenue
Mid-cap company balancing growth potential with stability
Flagstar Financial, Inc. (FLG) Areas to Watch (4)
Company is destroying shareholder value
Company is losing money with a negative profit margin
Revenue is fairly priced at 2.91x sales
Solid revenue growth at 15.40% per year
Supporting Valuation Data
Flagstar Financial, Inc. (FLG) Detailed Analysis Report
Overall Assessment
This company scores 57/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 5 register as strengths (avg 9.0/10) while 4 fall into concern territory (avg 3.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Price/Book, Institutional Own.. Valuation metrics including PEG Ratio (0.47), Price/Book (0.72) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 21.80%.
The Bear Case
The primary concerns are Return on Equity, Profit Margin, Price/Sales. Some valuation metrics including Price/Sales (2.91) suggest expensive pricing. Growth concerns include Revenue Growth at 15.40%, which may limit upside. Profitability pressure is visible in Return on Equity at -2.17%, Profit Margin at -9.43%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -2.17% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 15.40% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (PEG Ratio, Price/Book) and negatives (Return on Equity, Profit Margin). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FLG Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FLG's Price-to-Sales ratio of 2.91x trades 17% below its historical average of 3.51x (30th percentile). The current valuation is 49% below its historical high of 5.75x set in Mar 2006, and 38% above its historical low of 2.11x in Dec 2018.
WallStSmart Analysis Synopsis
Data-driven financial summary for Flagstar Financial, Inc. (FLG) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Flagstar Financial, Inc. is a strong growth company balancing expansion with improving profitability. Revenue reached 1.9B with 15% growth year-over-year. The company is currently unprofitable, posting a -9.4% profit margin.
Key Findings
The company is unprofitable with a -9.4% profit margin. The path to breakeven will be the key catalyst.
Free cash flow is -216M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Flagstar Financial, Inc..
Bottom Line
Flagstar Financial, Inc. offers an attractive blend of growth (15% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 8:25:26 AM
About Flagstar Financial, Inc.(FLG)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Flagstar Financial, Inc. is the bank holding company for Flagstar Bank, N.A. that provides banking products and services in the United States. The company is headquartered in Hicksville, New York.