Flagstar Bank, National Association (FLG)Financial Services | Banks - Regional | Hicksville, United States | NYSE
11.25 USD
+0.14
(1.260%)
⇧
(Oct. 15, 2026, 4 p.m.
EDT)
After hours: 11.25 |
Hot Take ↕ | Oct. 10, 2026, 10:05 a.m. EDT
The investment case here is severely compromised by deteriorating fundamentals and a hostile capital structure. The company is paying out more in dividends than it generates in earnings, with a payout ratio exceeding 130%, which is unsustainable for a bank facing margin pressure. This is exacerbated by a massive debt load relative to its tiny market cap, creating a precarious balance sheet. While management has announced a share repurchase program, the stock trades at a fraction of its book value, reflecting deep market skepticism about its ability to generate returns. On the short end, the options market is screaming caution; the sheer volume of put open interest suggests traders are betting on continued weakness rather than a bounce. The statistical forecast also leans negative, though with low confidence, aligning with the bearish sentiment. Until the payout ratio is normalized and the debt burden is addressed, this remains a high-risk situation where the market is pricing in significant distress. |
| Model | MAE |
|---|---|
| AutoARIMA ✓ | 0.043948 |
| MSTL | 0.046672 |
| AutoETS | 0.048070 |
| AutoTheta | 0.083441 |
Forecast horizon: 45 days | Selected: AutoARIMA
| Forecast Reliability | |
|---|---|
| Score | 43% |
| H-stat | 14.98 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.200 |
| Excess Kurtosis | -0.75 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Ex Dividend Date | 2026-09-03 |
| Last Dividend Date | 2026-09-03 |
| Revenue per Share | 4.881 |
| Market Cap | 4,669,794,304 |
| Trailing P/E | 375.00 |
| Forward P/E | 9.65 |
| Beta | 1.05 |
| Profit Margins | 2.36% |
| Previous Name | New York Community Bancorp, Inc. |
| Website | https://www.flagstar.com |
As of Oct. 10, 2026, 10:05 a.m. EDT: Speculators are heavily positioning for downside protection, evidenced by massive open interest in out-of-the-money puts (strikes 10 and 12) compared to negligible call volume. The call side shows significant 'top of the chain' open interest at strikes 15 and 17, suggesting a speculative bet on a recovery to those levels, but the overwhelming volume and open interest concentration in the put market indicates a dominant fear of further decline.
| Last Yield | 1yr Yield | 3yr Avg | 5yr Avg |
|---|---|---|---|
| 0.07% | 0.30% | 1.30% | 3.36% |
| Date | Dividend | Yield % |
|---|---|---|
| 2026-09-04 | 0.010000 | 0.073964 |
| 2026-06-05 | 0.010000 | 0.071327 |
| 2026-03-06 | 0.010000 | 0.079365 |
| 2025-12-05 | 0.010000 | 0.078740 |
| 2025-09-05 | 0.010000 | 0.077101 |
| 2025-06-06 | 0.010000 | 0.085034 |
| 2025-03-07 | 0.010000 | 0.086957 |
| 2024-12-06 | 0.010000 | 0.087489 |
| 2024-09-06 | 0.010000 | 0.092507 |
| 2024-06-07 | 0.030000 | 0.320513 |
| 2024-02-13 | 0.150000 | 1.089325 |
| 2023-11-03 | 0.510000 | 1.752577 |
| 2023-08-04 | 0.510000 | 1.264881 |
| 2023-05-05 | 0.510000 | 1.689861 |
| 2023-02-03 | 0.510000 | 1.686508 |
| 2022-11-04 | 0.510000 | 1.912261 |
| 2022-08-05 | 0.510000 | 1.668302 |
| 2022-05-06 | 0.510000 | 1.837838 |
| 2022-02-04 | 0.510000 | 1.487314 |
| 2021-11-04 | 0.510000 | 1.373183 |
| 2021-08-05 | 0.510000 | 1.404959 |
| 2021-05-06 | 0.510000 | 1.444350 |
| 2021-02-04 | 0.510000 | 1.602262 |
| 2020-11-05 | 0.510000 | 2.109181 |
| 2020-08-06 | 0.510000 | 1.708543 |
| 2020-05-07 | 0.510000 | 1.715439 |
| 2020-02-07 | 0.510000 | 1.527403 |
| 2019-11-07 | 0.510000 | 1.428571 |
| 2019-08-09 | 0.510000 | 1.479547 |
| 2019-05-13 | 0.510000 | 1.558204 |
| 2019-02-11 | 0.510000 | 1.438240 |
| 2018-11-05 | 0.510000 | 1.754386 |
| 2018-08-06 | 0.510000 | 1.615970 |
| 2018-05-07 | 0.510000 | 1.451751 |
| 2018-02-12 | 0.510000 | 1.264881 |
| 2017-11-06 | 0.510000 | 1.369863 |
| 2017-08-03 | 0.510000 | 1.321928 |
| 2017-05-04 | 0.510000 | 1.296720 |
| 2017-02-03 | 0.510000 | 1.135605 |
| 2016-11-03 | 0.510000 | 1.233672 |
| 2016-08-04 | 0.510000 | 1.183844 |
| 2016-05-04 | 0.510000 | 1.173223 |
| 2016-02-04 | 0.510000 | 1.109661 |
| 2015-11-04 | 0.750000 | 1.565435 |
| 2015-08-04 | 0.750000 | 1.344086 |
| 2015-05-07 | 0.750000 | 1.476669 |
| 2015-02-05 | 0.750000 | 1.580278 |
| 2014-11-05 | 0.750000 | 1.592357 |
| 2014-08-06 | 0.750000 | 1.604621 |
| 2014-05-08 | 0.750000 | 1.650165 |
| 2014-02-06 | 0.750000 | 1.628665 |
| 2013-11-05 | 0.750000 | 1.571339 |
| 2013-08-05 | 0.750000 | 1.639344 |
| 2013-05-03 | 0.750000 | 1.881114 |
| 2013-02-07 | 0.750000 | 1.891074 |
| 2012-11-05 | 0.750000 | 1.851852 |
| 2012-08-03 | 0.750000 | 1.951600 |
| 2012-05-03 | 0.750000 | 1.918649 |
| 2012-02-03 | 0.750000 | 1.970055 |
| 2011-11-03 | 0.750000 | 1.942502 |
| 2011-08-03 | 0.750000 | 1.940994 |
| 2011-05-04 | 0.750000 | 1.515152 |
| 2011-02-03 | 0.750000 | 1.363884 |
| 2010-11-04 | 0.750000 | 1.442585 |
| 2010-08-04 | 0.750000 | 1.431844 |
| 2010-05-03 | 0.750000 | 1.505117 |
| 2010-02-03 | 0.750000 | 1.685772 |
| 2009-11-04 | 0.750000 | 2.406160 |
| 2009-08-05 | 0.750000 | 2.246182 |
| 2009-05-06 | 0.750000 | 2.194908 |
| 2009-02-04 | 0.750000 | 2.079867 |
| 2008-11-05 | 0.750000 | 1.784440 |
| 2008-08-04 | 0.750000 | 1.551831 |
| 2008-05-05 | 0.750000 | 1.341202 |
| 2008-02-04 | 0.750000 | 1.418842 |
| 2007-11-02 | 0.750000 | 1.433486 |
| 2007-08-02 | 0.750000 | 1.545117 |
| 2007-05-02 | 0.750000 | 1.431844 |
| 2007-02-01 | 0.750000 | 1.478415 |
| 2006-11-01 | 0.750000 | 1.555694 |
| 2006-08-02 | 0.750000 | 1.546073 |
| 2006-05-03 | 0.750000 | 1.483680 |
| 2006-02-02 | 0.750000 | 1.509662 |
| 2005-10-28 | 0.750000 | 1.525320 |
| 2005-07-28 | 0.750000 | 1.352082 |
| 2005-04-28 | 0.750000 | 1.439263 |
| 2005-02-02 | 0.750000 | 1.404494 |
| 2004-10-28 | 0.750000 | 1.359435 |
| 2004-08-03 | 0.750000 | 1.324854 |
| 2004-04-29 | 0.750000 | 1.009285 |
| 2004-01-29 | 0.630000 | 0.703164 |
| 2003-11-07 | 0.562500 | 0.669344 |
| 2003-08-01 | 0.517500 | 0.796675 |
| 2003-05-01 | 0.472500 | 0.813481 |
| 2003-01-30 | 0.421875 | 0.862069 |
| 2002-11-01 | 0.337500 | 0.677966 |
| 2002-08-01 | 0.337500 | 0.713521 |
| 2002-04-29 | 0.337500 | 0.677966 |
| 2002-01-30 | 0.270000 | 0.576784 |
| 2001-11-01 | 0.270000 | 0.649878 |
| 2001-08-02 | 0.225000 | 0.479271 |
| 2001-05-03 | 0.225000 | 0.596659 |
| 2001-02-01 | 0.187500 | 0.651466 |
| 2000-10-30 | 0.187500 | 0.923788 |
| 2000-07-28 | 0.187500 | 1.098901 |
| 2000-04-27 | 0.187500 | 1.234568 |
| 2000-01-28 | 0.187500 | 1.095890 |
| 1999-10-28 | 0.187500 | 0.835073 |
| 1999-07-29 | 0.187500 | 0.792079 |
| 1999-04-29 | 0.187500 | 0.704225 |
| 1999-01-28 | 0.187500 | 0.809717 |
| 1998-10-29 | 0.150000 | 0.666667 |
| 1998-07-30 | 0.125000 | 0.555556 |
| 1998-04-29 | 0.125000 | 0.534759 |
| 1998-01-29 | 0.100000 | 0.533333 |
| 1997-10-30 | 0.100000 | 0.555556 |
| 1997-07-30 | 0.083333 | 0.501251 |
| 1997-04-29 | 0.066667 | 0.536915 |
| 1997-01-30 | 0.055556 | 0.503149 |
| 1996-10-30 | 0.055556 | 0.583095 |
| 1996-07-30 | 0.055333 | 0.706379 |
| 1996-04-29 | 0.041667 | 0.568186 |
| 1996-01-30 | 0.033333 | 0.499995 |
| 1995-10-30 | 0.025000 | 0.370943 |
| 1995-07-28 | 0.008333 | 0.148142 |
| 1995-04-25 | 0.008333 | 0.166314 |
| 1995-01-26 | 0.008333 | 0.185178 |
| 1994-10-26 | 0.008333 | 0.197523 |
| 1994-10-03 | 0.000833 | 0.017692 |
| 1994-09-01 | 0.008333 | 0.157888 |
| Attribute | Value |
|---|---|
| 52 Week Change | -0.0026929975 |
| Address1 | 102 Duffy Avenue |
| All Time High | 106.71 |
| All Time Low | 3.333333 |
| Ask | 11.23 |
| Ask Size | 2,200 |
| Audit Risk | 9 |
| Average Analyst Rating | 1.9 - Buy |
| Average Daily Volume10 Day | 5,809,780 |
| Average Daily Volume3 Month | 4,737,948 |
| Average Volume | 4,737,948 |
| Average Volume10Days | 5,809,780 |
| Beta | 1.052 |
| Bid | 11.23 |
| Bid Size | 1,500 |
| Board Risk | 5 |
| Book Value | 18.313 |
| City | Hicksville |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 10 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 11.25 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,790,726,400 |
| Day High | 11.345 |
| Day Low | 11.1 |
| Display Name | Flagstar Bank |
| Dividend Date | 1,789,603,200 |
| Dividend Yield | 0.36 |
| Earnings Call Timestamp End | 1,792,785,600 |
| Earnings Call Timestamp Start | 1,792,785,600 |
| Earnings Timestamp | 1,792,758,600 |
| Earnings Timestamp End | 1,792,758,600 |
| Earnings Timestamp Start | 1,792,758,600 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 5.597 |
| Enterprise Value | 11,366,681,600 |
| Eps Current Year | 0.2851 |
| Eps Forward | 1.1656 |
| Eps Trailing Twelve Months | 0.03 |
| Esg Populated | 0 |
| Ex Dividend Date | 1,788,480,000 |
| Exchange | NYQ |
| Exchange Data Delayed By | 20 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 12.8952 |
| Fifty Day Average Change | -1.6451998 |
| Fifty Day Average Change Percent | -0.12758234 |
| Fifty Two Week Change Percent | -0.26929975 |
| Fifty Two Week High | 15.44 |
| Fifty Two Week High Change | -4.1899996 |
| Fifty Two Week High Change Percent | -0.27137303 |
| Fifty Two Week Low | 10.57 |
| Fifty Two Week Low Change | 0.6800003 |
| Fifty Two Week Low Change Percent | 0.06433305 |
| Fifty Two Week Range | 10.57 - 15.44 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 754,065,000,000 |
| Five Year Avg Dividend Yield | 0.93 |
| Float Shares | 299,829,857 |
| Forward Eps | 1.1656 |
| Forward P E | 9.651682 |
| Full Exchange Name | NYSE |
| Full Time Employees | 5,631 |
| Fullday Change | 0.14000034 |
| Fullday Change Percent | 1.2601291 |
| Fullday Price | 11.25 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,790,812,800 |
| Gross Margins | 0.0 |
| Gross Profits | 2,031,000,064 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.00947 |
| Held Percent Institutions | 0.89428 |
| Implied Shares Outstanding | 415,092,836 |
| Industry | Banks - Regional |
| Industry Disp | Banks - Regional |
| Industry Key | banks-regional |
| Ir Website | http://ir.mynycb.com/CorporateProfile.aspx?iid=1024119 |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Dividend Date | 1,788,480,000 |
| Last Dividend Value | 0.01 |
| Last Fiscal Year End | 1,767,139,200 |
| Last Split Date | 1,720,742,400 |
| Last Split Factor | 1:3 |
| Long Business Summary | Flagstar Bank, National Association provides banking products and services in the United States. The company's deposit products include interest-bearing checking and money market, savings, and non-interest-bearing accounts, as well as certificates of deposit. It offers loan products comprising multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial and industrial loans; one-to-four family loans; specialty finance loans and leases; warehouse loans; and home equity lines of credit, as well as other consumer loans, including overdraft loans. The company offers non-deposit investment and insurance products; and online and mobile banking services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as Flagstar Financial, Inc. Flagstar Bank, National Association was founded in 1859 and is headquartered in Hicksville, New York. |
| Long Name | Flagstar Bank, National Association |
| Market | us_market |
| Market Cap | 4,669,794,304 |
| Market State | POST |
| Max Age | 86,400 |
| Message Board Id | finmb_334862 |
| Most Recent Quarter | 1,782,777,600 |
| Name Change Date | 2,026-10-15 |
| Net Income To Common | 15,000,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 5,205,264,163 |
| Number Of Analyst Opinions | 17 |
| Open | 11.22 |
| Operating Cashflow | 162,000,000 |
| Operating Margins | 0.20281 |
| Overall Risk | 7 |
| Payout Ratio | 1.3333 |
| Peg Ratio | 0.78 |
| Phone | 516 683 4100 |
| Post Market Change | 0.0 |
| Post Market Change Percent | 0.0 |
| Post Market Price | 11.25 |
| Post Market Time | 1,792,094,448 |
| Prev Name | New York Community Bancorp, Inc. |
| Previous Close | 11.11 |
| Price Eps Current Year | 39.459835 |
| Price Hint | 2 |
| Price To Book | 0.6143177 |
| Price To Sales Trailing12 Months | 2.2992585 |
| Profit Margins | 0.023629999 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 1.88889 |
| Region | US |
| Regular Market Change | 0.14 |
| Regular Market Change Percent | 1.26013 |
| Regular Market Day High | 11.345 |
| Regular Market Day Low | 11.1 |
| Regular Market Day Range | 11.1 - 11.345 |
| Regular Market Open | 11.22 |
| Regular Market Previous Close | 11.11 |
| Regular Market Price | 11.25 |
| Regular Market Time | 1,792,094,402 |
| Regular Market Volume | 5,570,653 |
| Return On Assets | 0.00053 |
| Return On Equity | 0.0059100003 |
| Revenue Growth | 0.153 |
| Revenue Per Share | 4.881 |
| Sand P52 Week Change | 0.16440773 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 2 |
| Shares Outstanding | 415,092,836 |
| Shares Percent Shares Out | 0.11350001 |
| Shares Short | 47,107,679 |
| Shares Short Previous Month Date | 1,788,134,400 |
| Shares Short Prior Month | 37,577,959 |
| Short Name | Flagstar Bank, N.A. |
| Short Percent Of Float | 0.13939999 |
| Short Ratio | 10.0 |
| Source Interval | 15 |
| State | NY |
| Symbol | FLG |
| Target High Price | 18.0 |
| Target Low Price | 13.0 |
| Target Mean Price | 15.29412 |
| Target Median Price | 16.0 |
| Total Cash | 5,127,000,064 |
| Total Cash Per Share | 12.351 |
| Total Debt | 11,377,999,872 |
| Total Revenue | 2,031,000,064 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.04 |
| Trailing Annual Dividend Yield | 0.0036003601 |
| Trailing Eps | 0.03 |
| Trailing P E | 375.0 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 13.55845 |
| Two Hundred Day Average Change | -2.3084497 |
| Two Hundred Day Average Change Percent | -0.17025912 |
| Type Disp | Equity |
| Volume | 5,570,653 |
| Website | https://www.flagstar.com |
| Zip | 11,801 |