Reviewing Flagstar Bank, National Association (FLG) & Its Competitors

Flagstar Bank, National Association (NYSE:FLG) is one of 919 publicly-traded companies in the “Banks” industry, but how does it weigh in compared to its rivals? We will compare Flagstar Bank, National Association to similar businesses based on the strength of its analyst recommendations, valuation, risk, earnings, institutional ownership, dividends and profitability.

Analyst Ratings

This is a breakdown of recent ratings for Flagstar Bank, National Association and its rivals, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Flagstar Bank, National Association	3	3	9	0	2.40
Flagstar Bank, National Association Competitors	7481	30219	27791	1473	2.35

Flagstar Bank, National Association presently has a consensus price target of $14.12, suggesting a potential upside of 33.95%. As a group, “Banks” companies have a potential upside of 17.07%. Given Flagstar Bank, National Association’s stronger consensus rating and higher probable upside, analysts clearly believe Flagstar Bank, National Association is more favorable than its rivals.

Risk & Volatility

Flagstar Bank, National Association has a beta of 1.1, suggesting that its stock price is 10% more volatile than the S&P 500. Comparatively, Flagstar Bank, National Association’s rivals have a beta of 0.61, suggesting that their average stock price is 39% less volatile than the S&P 500.

Profitability

This table compares Flagstar Bank, National Association and its rivals’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Flagstar Bank, National Association	2.22%	1.45%	0.12%
Flagstar Bank, National Association Competitors	15.66%	9.44%	0.93%

Institutional & Insider Ownership

67.9% of Flagstar Bank, National Association shares are owned by institutional investors. Comparatively, 48.0% of shares of all “Banks” companies are owned by institutional investors. 21.4% of Flagstar Bank, National Association shares are owned by company insiders. Comparatively, 9.7% of shares of all “Banks” companies are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Dividends

Flagstar Bank, National Association pays an annual dividend of $0.04 per share and has a dividend yield of 0.4%. Flagstar Bank, National Association pays out 26.7% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 9.3% and pay out 28.9% of their earnings in the form of a dividend.

Valuation and Earnings

This table compares Flagstar Bank, National Association and its rivals revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Flagstar Bank, National Association	$4.81 billion	-$177.00 million	70.30
Flagstar Bank, National Association Competitors	$9.95 billion	$2.42 billion	20.29

Flagstar Bank, National Association’s rivals have higher revenue and earnings than Flagstar Bank, National Association. Flagstar Bank, National Association is trading at a higher price-to-earnings ratio than its rivals, indicating that it is currently more expensive than other companies in its industry.

Summary

Flagstar Bank, National Association beats its rivals on 8 of the 15 factors compared.

About Flagstar Bank, National Association

Flagstar Financial, Inc. operates as the bank holding company for Flagstar Bank, N.A. that provides banking products and services in the United States. The company’s deposit products include interest-bearing checking and money market, savings, non-interest-bearing, and retirement accounts, as well as certificates of deposit. Its loan products comprise 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 other loans, such as home equity lines of credit, boat and recreational vehicle indirect lending, point of sale consumer loans, and other consumer loans, including overdraft loans. The company offers cash management products; non-deposit investment and insurance products; and online banking, mobile banking, and bank-by-phone services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as New York Community Bancorp, Inc. and changed its name to Flagstar Financial, Inc. in October 2024. Flagstar Financial, Inc. was founded in 1859 and is headquartered in Hicksville, New York.