Flagstar Financial Balance Sheet Health
Financial Health criteria checks 4/6
Flagstar Financial has total assets of $114.4B and total equity of $8.6B. Total deposits are $83.0B, and total loans are $69.9B earning a Net Interest Margin of 3%. It has insufficient allowance for bad loans, which are currently at 3.5% of total loans. Cash and short-term investments are $23.1B.
Key information
13.3x
Asset to equity ratio
3.0%
Net interest margin
| Total deposits | US$83.01b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 3.5% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | US$23.12b |
Recent financial health updates
Recent updates
Flagstar (NYCB): Solvency Assured, Still Valued As If It's An Issue
Dec 10New York Community Bancorp: A New Chapter Begins
Oct 25Value Gap Is Closing For New York Community Bank
Sep 27New York Community Bancorp Has Great Potential And Ambitions
Sep 05Downgrade: Here's How Analysts See New York Community Bancorp, Inc. (NYSE:NYCB) Performing In The Near Term
Jul 31
New York Community Bancorp Q2 Earnings: Lots Of Noise But It Should Survive
Jul 26New York Community Bancorp: Lower Rates Will Not Save CRE-Exposed Banks If The Economy Slips
Jul 12New York Community Bancorp's Slow And Steady Recovery
Jun 17New York Community Bancorp: Turnaround Story Makes Stock Attractive
Jun 11New York Community Bancorp Q1 Earnings: Better Than Feared
May 01New York Community Bancorp: The 9% Yielding Preferreds Seem De-Risked And Should Rally
Mar 18Fair Value Post Dilution For New York Community Bancorp
Mar 10New York Community Bancorp: Why I Doubled My Position On Friday
Mar 04Things Look Grim For New York Community Bancorp, Inc. (NYSE:NYCB) After Today's Downgrade
Feb 09New York Community Bancorp: First Republic Bank 2.0
Feb 07New York Community Bancorp: Tanks A Lot For The Dividend Cut
Jan 31New York Community Bank Has Fell Further Into Value Territory Yielding 6.85%
Dec 05Does New York Community Bancorp (NYSE:NYCB) Deserve A Spot On Your Watchlist?
Nov 11New York Community Bancorp: Earnings Drop Improves Risk-Reward
Oct 30New York Community Bancorp: Let It Ride With A House Position
Aug 25New York Community Bancorp Gets Upgraded By J.P. Morgan And Still Trades Under Book Value
Jul 31Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: FLG's Assets to Equity ratio (13.3x) is moderate.
Allowance for Bad Loans: FLG has a low allowance for bad loans (50%).
Low Risk Liabilities: 78% of FLG's liabilities are made up of primarily low risk sources of funding.
Loan Level: FLG has an appropriate level of Loans to Assets ratio (61%).
Low Risk Deposits: FLG's Loans to Deposits ratio (84%) is appropriate.
Level of Bad Loans: FLG has a high level of bad loans (3.5%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/22 02:02 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Flagstar Financial, Inc. is covered by 44 analysts. 11 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jared Shaw | Barclays |
| Bruce Harting | Barclays |
| Peter Winter | BMO Capital Markets Equity Research |