What Analysts Are Saying About Flagstar Bank Stock
In the latest quarter, 9 analysts provided ratings for Flagstar Bank (NYSE:FLG), showcasing a mix of bullish and bearish perspectives.
The table below provides a concise overview of recent ratings by analysts, offering insights into the changing sentiments over the past 30 days and drawing comparisons with the preceding months for a holistic perspective.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 3 | 2 | 4 | 0 | 0 |
| Last 30D | 1 | 0 | 0 | 0 | 0 |
| 1M Ago | 2 | 0 | 3 | 0 | 0 |
| 2M Ago | 0 | 0 | 0 | 0 | 0 |
| 3M Ago | 0 | 2 | 1 | 0 | 0 |
The 12-month price targets, analyzed by analysts, offer insights with an average target of $15.39, a high estimate of $16.50, and a low estimate of $14.00. Witnessing a positive shift, the current average has risen by 5.7% from the previous average price target of $14.56.
Analyzing Analyst Ratings: A Detailed Breakdown
A comprehensive examination of how financial experts perceive Flagstar Bank is derived from recent analyst actions. The following is a detailed summary of key analysts, their recent evaluations, and adjustments to ratings and price targets.
| Analyst | Analyst Firm | Action Taken | Rating | Current Price Target | Prior Price Target |
|---|---|---|---|---|---|
| Peter Winter | DA Davidson | Maintains | Buy | $16.00 | $16.00 |
| Ben Gerlinger | Citigroup | Raises | Buy | $16.50 | $16.00 |
| Peter Winter | DA Davidson | Raises | Buy | $16.00 | $15.00 |
| Anthony Elian | JP Morgan | Raises | Neutral | $15.00 | $14.50 |
| Christopher McGratty | Keefe, Bruyette & Woods | Raises | Market Perform | $14.00 | $13.50 |
| Jon G. Arfstrom | RBC Capital | Raises | Sector Perform | $15.00 | $13.00 |
| Jared Shaw | Barclays | Raises | Overweight | $15.00 | $14.00 |
| Dave Rochester | Cantor Fitzgerald | Raises | Overweight | $16.00 | $15.00 |
| Anthony Elian | JP Morgan | Raises | Neutral | $15.00 | $14.00 |
Key Insights:
- Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Flagstar Bank. This information offers a snapshot of how analysts perceive the current state of the company.
- Rating: Offering a comprehensive view, analysts assess stocks qualitatively, spanning from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Flagstar Bank compared to the broader market.
- Price Targets: Analysts explore the dynamics of price targets, providing estimates for the future value of Flagstar Bank's stock. This examination reveals shifts in analysts' expectations over time.
Analyzing these analyst evaluations alongside relevant financial metrics can provide a comprehensive view of Flagstar Bank's market position. Stay informed and make data-driven decisions with the assistance of our Ratings Table.
Stay up to date on Flagstar Bank analyst ratings.
Delving into Flagstar Bank's Background
Flagstar Bank NA operates multiple branches, including a presence in the Northeast and Midwest and locations in high-growth markets in the Southeast and West Coast. In addition, the Bank has private banking teams located in several cities in the metropolitan New York City region and on the West Coast, which serve the needs of high net-worth individuals and their businesses. It offers a variety of banking products and services, including consumer and commercial banking, mortgage lending, and wealth management through its subsidiaries. It serves individuals, small businesses, and corporations.
A Deep Dive into Flagstar Bank's Financials
Market Capitalization: Indicating a reduced size compared to industry averages, the company's market capitalization poses unique challenges.
Positive Revenue Trend: Examining Flagstar Bank's financials over 3M reveals a positive narrative. The company achieved a noteworthy revenue growth rate of 7.32% as of 31 December, 2025, showcasing a substantial increase in top-line earnings. As compared to its peers, the company achieved a growth rate higher than the average among peers in Financials sector.
Net Margin: Flagstar Bank's net margin is below industry averages, indicating potential challenges in maintaining strong profitability. With a net margin of 3.77%, the company may face hurdles in effective cost management.
Return on Equity (ROE): Flagstar Bank's ROE is below industry standards, pointing towards difficulties in efficiently utilizing equity capital. With an ROE of 0.28%, the company may encounter challenges in delivering satisfactory returns for shareholders.
Return on Assets (ROA): Flagstar Bank's ROA is below industry standards, pointing towards difficulties in efficiently utilizing assets. With an ROA of 0.02%, the company may encounter challenges in delivering satisfactory returns from its assets.
Debt Management: Flagstar Bank's debt-to-equity ratio is notably higher than the industry average. With a ratio of 1.59, the company relies more heavily on borrowed funds, indicating a higher level of financial risk.
The Basics of Analyst Ratings
Analyst ratings serve as essential indicators of stock performance, provided by experts in banking and financial systems. These specialists diligently analyze company financial statements, participate in conference calls, and engage with insiders to generate quarterly ratings for individual stocks.
In addition to their assessments, some analysts extend their insights by offering predictions for key metrics such as earnings, revenue, and growth estimates. This supplementary information provides further guidance for traders. It is crucial to recognize that, despite their specialization, analysts are human and can only provide forecasts based on their beliefs.
This article was generated by Benzinga's automated content engine and reviewed by an editor.