Flagstar Bank, N.A. (FLG) Stock Analysis
Range Bound setup
Financial Services · Banks - Regional
Sell if holding. Engine safety override at $14.11: a dimension score below its floor triggers a hard block regardless of the otherwise-positive setup — overall score 5.8/10. Specifically: Below-average business quality.
Flagstar Bank, National Association is a $87.5 billion-asset national bank headquartered in Hicksville, New York, operating approximately 340 locations across nine states with concentration in the New York/New Jersey metro region and upper Midwest. It primarily originates... Read more
Sell if holding. Engine safety override at $14.11: a dimension score below its floor triggers a hard block regardless of the otherwise-positive setup — overall score 5.8/10. Specifically: Below-average business quality. Chart setup: RSI 51 mid-range, Bollinger mid-band. Score 5.8/10, moderate confidence.
Passes 6/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 83d clear, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMloan_portfoliomulti-family loans48%10-K Item 1A: '$29.0 billion or 47.7 percent of our total loans and leases held for investment portfolio consisted of multi-family loans'
- HIGHGeographicNew York State multi-family55%10-K Item 1A: '$15.8 billion or 55 percent of our total multi-family loan portfolio was secured by properties in New York State'
- LOWPropertyoffice CRE loans21%10-K Item 1A: '$2.0 billion, or 21.0 percent of our CRE loan portfolio was secured by office buildings'
Material Events(8-K, last 90d)
- 2026-03-27Item 5.02LOWAlessandro DiNello will not stand for re-election at the 2026 Annual Meeting (June 9, 2026). Eli H. Miller appointed to the Board effective April 1, 2026, filling the resulting vacancy. No disagreement cited.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
1 floor-breaker
Unprofitable operations — net margin -2.8%. Quality floor flags this regardless of sector context.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Engine safety override at $14.11: a dimension score below its floor triggers a hard block regardless of the otherwise-positive setup — overall score 5.8/10. Specifically: Below-average business quality. Chart setup: RSI 51 mid-range, Bollinger mid-band. Prior stop was $13.31. Score 5.8/10, moderate confidence.
Take-profit target: $14.62 (+3.6% upside). Prior stop was $13.31. Stop-loss: $13.31.
Concentration risk — Geographic: New York State multi-family (55.0%); Target reached (-0.5% upside); Quality below floor (2.3 < 4.0).
Flagstar Bank, N.A. trades at a P/E of N/A (forward 8.8). TrendMatrix value score: 8.0/10. Verdict: Sell.
22 analysts cover FLG with a consensus score of 3.6/5. Average price target: $16.
What does Flagstar Bank, N.A. do?Flagstar Bank, National Association is a $87.5 billion-asset national bank headquartered in Hicksville, New York,...
Flagstar Bank, National Association is a $87.5 billion-asset national bank headquartered in Hicksville, New York, operating approximately 340 locations across nine states with concentration in the New York/New Jersey metro region and upper Midwest. It primarily originates multi-family and commercial real estate loans concentrated in New York City, and commercial and industrial loans nationally, funded by retail deposits and wholesale borrowings.