Insider buying last 90 days
No open-market insider purchases were filed for FLG in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every FLG insider filing, plotted on the chart in Gekko.Open FLG in Gekko
NYSE: FLG
Flagstar Bank, N.A. (FLG) Stock Analysis & Forecast
Sep 28 close
$12.04−0.33 (−2.7%)
Gekko Brief
AI summaryFlagstar (FLG) trades at $12.04, down 2.7% on the day and below both its 50-day ($13.58) and 200-day ($13.65) moving averages, with the shorter average also under the longer one. The stock has fallen 10.5% over the past month and 19.5% over three months, though it remains up 4.2% over the past year and sits well off its 52-week high of $15.44, closer to its low of $10.57. The GekkoIndex reads 77.3, placing FLG in the Buying zone, while the price stands 17.8% below the $14.65 Gekko Fair Value.
Flagstar next reports earnings on 23 October 2026 before the open, 24 days out, falling inside a typical 20-trading-day holding window; the last print showed a loss of $0.14 against a $0.06 estimate and a 6.5% reaction, with 3 beats over the last 8 quarters and an average absolute move of 6.7% around results. Options activity shows 1 unusual signal in the past 30 days, with $250,125 in call premium and no put premium. Seasonality over 5 years shows a 2.8% average return across the next 20 trading days, positive in 4 of those years. Analyst coverage stands at 9 buy and 4 hold ratings among 13 firms, with a consensus target of $16.26 implying 35% upside.
Written by AI and checked automatically against the figures on this page. Generated Sep 29, 2026 from the data above.
Flagstar Bank, N.A. price vs fair value
Close $12.04200-day averageGekko Fair Value $14.65
Flagstar Bank, N.A. quick facts
- Market cap
- $5.02B
- P/E ratio
- 412.3
- Forward P/E
- 7.6
- EPS, TTM
- $0.03
- Revenue, TTM
- $2.03B
- Profit margin
- 2.4%
- Dividend yield
- 0.32%
- Beta
- 0.99
- Volume
- 5.93M avg 4.49M
- 1-year return
- +4.2%
- Typical daily move
- ±2.3%
- Typical 20-day move
- ±7.5%
- 50-day average
- $13.58
- 200-day average
- $13.65
- Next earnings
- Oct 23 before open
- Shares outstanding
- 415.1M
Flagstar Bank, N.A. swing-trade checklist
Flagstar Bank, N.A. scores 4 supportive, 0 mixed and 2 headwinds across the 6 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
4 supportive0 mixed2 headwinds
- Trendheadwind
Below 50 and 200-day
Close $12.04 is below the 50-day ($13.58) and 200-day ($13.65) averages, and the 50-day is below the 200-day.
See the chart - GekkoIndexsupportive
77.3, Buying
Reading 77.3 is in the Buying zone.
See the GekkoIndex - Fair valuesupportive
17.8% below
Price is 17.8% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneysupportive
Leans bullish
Last 30 days: 1 unusual options signal.
See smart money - Earnings riskheadwind
Reports in 24 days
Reports on Oct 23, 2026, 24 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+2.8% on average
From this point in the calendar, the next 20 trading days averaged +2.8% over 5 years, rising in 4 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Flagstar Bank, N.A. stock chart and price history
Flagstar Bank, N.A. closed at $12.04 on Sep 28, 2026, +4.2% over the past year, inside a 52-week range of $10.57 to $15.44.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −10.5%
- 3 months
- −19.5%
- 6 months
- −7.7%
- 1 year
- +4.2%
The full FLG chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open FLG in Gekko
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About Flagstar Bank, N.A.
Flagstar Bank offers a broad range of banking products across the United States, serving individual consumers, small and medium-sized businesses, and professional organizations. On the deposit side, it provides checking, money market, and savings accounts, along with retirement savings plans and certificates of deposit. Its lending activity spans multi-family and commercial real estate financing, construction and development loans, commercial and industrial credit, residential mortgages, and specialized finance and leasing arrangements, alongside warehouse lending.
For everyday consumers, Flagstar Bank offers home equity lines of credit, financing for boats and recreational vehicles, point-of-sale consumer credit, and overdraft services. It also supplies cash management tools and non-deposit investment and insurance products, with access to accounts available through online, mobile, and telephone banking channels.
The bank traces its origins back to 1859 and operates out of Hicksville, New York. Its shares trade on the NYSE under the ticker FLG.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Major banks
- Website
- flagstar.com
Flagstar Bank, N.A. GekkoIndex: the smart money zone
Flagstar Bank, N.A.’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 77.3, in the Buying zone, up 2.5 points over five sessions.
77.3Buying
Up 2.5 points over five sessions.
Reading for Sep 28, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying (current zone) | 57 | +1.0% | −6.0% | ||
| Accumulation | 233 | +0.4% | +5.3% | ||
| Neutral | 340 | −0.3% | −1.8% | ||
| Distribution | 34 | +0.3% | −5.5% | ||
| Selling | 8 | Too few readings yet | |||
Average FLG share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Buying readings averaged +3.2% over 20 days. Past behaviour doesn’t guarantee future results.
Buying zone: Smart money likely accumulating heavily. About the five zones →
See every daily GekkoIndex reading plotted over the FLG price, zone by zone.Track FLG in Gekko
Is Flagstar Bank, N.A. stock overvalued? Gekko Fair Value
Flagstar Bank, N.A. trades 17.8% below Gekko Fair Value of $14.65, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Flagstar Bank, N.A. shares are worth, recalculated every trading day.
$14.65
Gekko Fair Value, Sep 29, 2026
17.8% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open FLG in Gekko
Flagstar Bank, N.A. insider and Congress trading
No open-market insider purchases were filed for Flagstar Bank, N.A., and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in FLG were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for FLG, plotted on the chart in Gekko.Open FLG in Gekko
Buybacks
Flagstar Bank, N.A. has been buying back its own shares.
- Latest authorization
- $250.0M, Jul 24, 2026
- Bought back, quarter ended Dec 31, 2025
- $7.00M
- As a share of market cap
- 0.14%
- Trailing four quarters
- $14.00M
From company filings.
Unusual options activity last 30 days
1signal, 100% of the flagged premium in calls.
Latest: Bullish flow on Sep 4, $250K in unusual premium.
Every signal with its contract, strike and premium.Unlock in Gekko
Flagstar Bank, N.A. earnings: next date and track record
Flagstar Bank, N.A. reports on Oct 23, 2026, before the open (24 days away), and beat the EPS estimate in 3 of its last 8 reports.
Next earnings report
Oct 23, 2026
Expected before the open, 24 days away
- EPS estimate
- $0.10
- Revenue estimate
- $559.1M
3 of 8reports beat the EPS estimate
±6.7%average move across the report
3 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jul 24, 2026 AI summary
- What they said
- Flagstar Bank reported its third consecutive quarter of profitability with strong execution across strategic priorities: record C&I loan production, deposit growth, disciplined expense management, and reduced CRE exposure. Management announced a $250 million share buyback authorization and highlighted improved pre-provision net revenue, a reduction in deposit costs, paydown of wholesale borrowings, and a decline in criticized/classified loans. The quarter saw significant C&I growth (a $2.0 billion increase, record originations) and a $2+ billion C&I pipeline entering Q3. Management reiterated focus on capital strength, continuing to deleverage higher-cost funding and working down nonaccrual loans, while acknowledging elevated CRE and multifamily payoffs, some upward pressure on nonaccruals and net charge-offs this quarter, and macro/regulatory risks (e.g., NYC rent regulations).
- Guidance
- Announced $250 million share repurchase authorization (12-month program). Balance sheet targets: year-end 2026 total assets ~$91.5B–$92.0B; target $100B by end of 2027. June NIM ~2.19% referenced as a floor; management expects NIM expansion through late 2026 into 2027 driven by multifamily loan resets (~$11B resetting by end of 2027), C&I growth (recent quarter C&I originations averaged ~226 bps over SOFR), and reduced wholesale funding. Net CRE payoffs expected to normalize to about ~$1 billion (net) going forward with CRE originations of $200M–$300M per quarter. Nonaccrual loans expected to decline to about $2.3B by year-end (a reduction of ~$450–500M from June). Marginal tax rate ~26.5%; Q2 tax rate 28.2% with expectation to move toward the marginal rate in latter half of year. Fee income outlook reduced vs. prior guide but management still expects improvement in H2 driven by commercial banking activity.
- Risks flagged
- Key risks discussed include continued elevated CRE and multifamily payoffs (which reduce loan yields and complicate loan growth), higher-for-longer interest rates (affecting mortgage gain-on-sale and borrower behavior), NYC rent-regulation/rent-freeze legal and policy uncertainty impacting multifamily collateral and NOIs, higher nonaccruals and charge-offs in the near term, and sensitivity of deposit costs and funding mix if macro rates move further.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jul 24, 2026 | −$0.14 est $0.06 | $516.0M est $540.9M | −6.5% |
| Apr 24, 2026 | $0.04 est $0.04 | $498.0M est $553.5M | −2.4% |
| Jan 30, 2026 | $0.06 est $0.02 | $557.0M est $532.5M | −0.3% |
| Oct 24, 2025 | −$0.07 est −$0.07 | $455.0M est $536.8M | +2.8% |
| Jul 25, 2025 | −$0.14 est −$0.13 | $496.0M est $556.7M | −5.7% |
| Apr 25, 2025 | −$0.23 est −$0.28 | $490.0M est $542.9M | +5.1% |
| Jan 30, 2025 | −$0.34 est −$0.55 | $536.0M est $559.7M | +23.2% |
| Oct 25, 2024 | −$0.69 est −$0.42 | $623.0M est $611.9M | −7.7% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Flagstar Bank, N.A. stock forecast and analyst price targets
Analysts’ average 12-month price target for Flagstar Bank, N.A. is $16.26, +35.0% from the last close, from 13 firms rating the stock in the last 90 days.
$16.26consensus 12-month target, +35.0% from the last close
Now $12.04Avg $16.26
Low $15High $18
Each firm’s latest rating in the last 90 days: 13 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 28 | Morgan Stanley | $16 | +32.9% |
| Sep 17 | Bank of America Securities | $15 | +24.6% |
| Sep 16 | Barclays | $17 | +41.2% |
| Sep 8 | Morgan Stanley | $17 | +41.2% |
| Sep 8 | Morgan Stanley | $17 | +41.2% |
−6.0%average 20-day move after past Buying readings
+2.8%average move over the next 20 trading days in the last 5 years
±2.3%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Flagstar Bank, N.A. seasonality: the next 20 trading days
Over the next 20 trading days from Sep 26, Flagstar Bank, N.A. averaged +2.8% across the last 5 years, rising in 4 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +1.2% | 4 of 5 |
| Next 10 trading days | 0.0% | 2 of 5 |
| Next 15 trading days | +3.5% | 3 of 5 |
| Next 20 trading days | +2.8% | 4 of 5 |
| Next 30 trading days | −2.6% | 2 of 5 |
For scale, FLG’s typical 20-trading-day move in either direction is about 7.5%.
Flagstar Bank, N.A. market cap and key statistics
Flagstar Bank, N.A.’s market cap is $5.02B, with a P/E ratio of 412.3 and revenue of $2.03B over the last twelve months.
Valuation
- Market cap
- $5.02B
- P/E ratio
- 412.3
- Forward P/E
- 7.6
- EPS, TTM
- $0.03
- Gekko Fair Value
- $14.65
Trading
- Volume
- 5.93M
- Avg volume, 20 days
- 4.49M
- 52-week high
- $15.44
- 52-week low
- $10.57
- Shares outstanding
- 415.1M
Financials
- Revenue, TTM
- $2.03B
- Profit margin
- 2.4%
- Return on equity
- 0.6%
- Quarterly earnings growth, YoY
- 0.0%
Risk and income
- Beta
- 0.99
- Typical daily move
- ±2.3%
- Typical 20-day move
- ±7.5%
- Dividend yield
- 0.32%
Flagstar Bank, N.A. peers
Flagstar Bank, N.A.’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| JPMJP Morgan Chase | Accumulation | 6.9% below |
| BACBank of America | Buying | 13.8% below |
| RYRoyal Bank Of Canada | Accumulation | 3.6% below |
| WFCWells Fargo | Accumulation | 12.4% below |
| CCitigroup | Neutral | 7.8% below |
| TDToronto Dominion Bank | Accumulation | 0.8% above |
A peer links to its own page where one exists.
Flagstar Bank, N.A. stock FAQ
What is Flagstar Bank, N.A.’s market cap?
Flagstar Bank, N.A.’s market cap is $5.02B at the Sep 28, 2026 close of $12.04, with 415.1M shares outstanding. The shares trade on a P/E ratio of 412.3.
What is the Flagstar Bank, N.A. stock forecast?
The consensus analyst 12-month price target for Flagstar Bank, N.A. is $16.26, +35.0% from the last close. Of the 13 firms that rated the stock in the last 90 days, 9 rate it a buy, 4 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Flagstar Bank, N.A. stock overvalued or undervalued?
On Gekko’s estimate Flagstar Bank, N.A. is undervalued: the Sep 28, 2026 close of $12.04 is 17.8% below Gekko Fair Value of $14.65. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Flagstar Bank, N.A. report earnings next?
Flagstar Bank, N.A. is expected to report on Oct 23, 2026, before the market opens (24 days away). Analysts expect earnings of $0.10 per share on revenue of $559.1M. Flagstar Bank, N.A. beat the earnings estimate in 3 of its last 8 reports, moving 6.7% on average across the report.
What is Flagstar Bank, N.A.’s 52-week high and low?
Flagstar Bank, N.A.’s 52-week high is $15.44 and its 52-week low is $10.57; it closed at $12.04 on Sep 28, 2026, +4.2% over the past year. Over the last five years the shares peaked at $42.99 on Oct 22, 2021.
Is Flagstar Bank, N.A. stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 4 of the 6 items with data read as supportive (gekkoindex, fair value, smart money and seasonality) and 2 as headwinds (trend and earnings risk). The checklist is a description of current data, not a recommendation.
Is there unusual options activity in Flagstar Bank, N.A.?
Gekko flagged 1 unusual options signal in Flagstar Bank, N.A. over the last 30 days, with $250K of flagged premium in calls and $0 in puts. The latest, bullish flow, was on Sep 4, 2026 with $250K in unusual premium. The signal-by-signal table is in Gekko.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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