Flagstar Bank N.A. Common Stock (FLG)

FairStock Score: 48/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Flagstar as a turnaround, not a compounder. The FairStock Lynch category calls it TURNAROUND — loss in the latest year after earlier profits — and the filed record supports that: in fiscal 2024, the year ended 2024-12-31, it lost $1.1 billion, or $3.49 per diluted share; in fiscal 2025, ended 2025-12-31, it still lost $177 million, or $0.50 per share; in fiscal 2023, ended 2023-12-31, it lost $79 million, or $0.49 per share. But the recent quarters are better: in fiscal Q1 2026, ended 2026-03-31, it earned $21 million, or $0.03 per diluted share, and in fiscal Q2 2026, ended 2026-06-30, it earned $34 million, or $0.06 per diluted share. That is a real inflection, though from a very low base.

In plain English: Flagstar Bank is a regional bank that takes deposits and makes loans, including apartment, commercial real estate, and business loans. The business has been weak: it lost money in 2023, 2024, and 2025, though it has reported small profits in the first two quarters of 2026. The stock trades for less than the accounting value of its assets, so it looks cheap on book value, but profits are still very small, so it is hard to call it a clear bargain without more proof that the recovery will last.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer