Flagstar Financial, Inc.

NYSE:FLG Stock Report

Market Cap: US$4.4b

Flagstar Financial Valuation

Is FLG undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Book vs Peers

  • Price-To-Book vs Industry

  • Price-To-Book vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of FLG when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate FLG's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate FLG's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for FLG?

Key metric: As FLG is an unprofitable bank we use its Price-To-Book Ratio for relative valuation analysis.

The above table shows the Price to Book ratio for FLG. This is calculated by dividing FLG's market cap by their current book value.
What is FLG's PB Ratio?
PB Ratio0.5x
BookUS$8.07b
Market CapUS$4.43b

Price to Book Ratio vs Peers

How does FLG's PB Ratio compare to its peers?

The above table shows the PB ratio for FLG vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PBEstimated GrowthMarket Cap
Peer Average1.8x
AX Axos Financial
1.9x-6.6%US$4.6b
IBOC International Bancshares
1.6xn/aUS$4.4b
BANF BancFirst
2.5x-0.7%US$4.0b
FIBK First Interstate BancSystem
1x8.3%US$3.5b
FLG Flagstar Financial
0.5x113.1%US$4.4b

Price-To-Book vs Peers: FLG is good value based on its Price-To-Book Ratio (0.5x) compared to the peer average (1.8x).

Price to Book Ratio vs Industry

How does FLG's PB Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / BookEstimated GrowthMarket Cap
FRCB First Republic Bank
0.002xn/aUS$27.98m
SBNY Signature Bank
0.0003xn/aUS$2.18m
BKES.F Banco Espírito Santo
n/an/aUS$56.01k
BCBH.F Caribbean Investment Holdings
n/an/aUS$132.00
No more companies available in this PB range
FLG 0.5xIndustry Avg. 1.0xNo. of Companies128PB00.61.21.82.43+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Book vs Industry: FLG is good value based on its Price-To-Book Ratio (0.5x) compared to the US Banks industry average (1x).

Price to Book Ratio vs Fair Ratio

What is FLG's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

FLG PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ratio0.5x
Fair PB Ration/a

Price-To-Book vs Fair Ratio: Insufficient data to calculate FLG's Price-To-Book Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst FLG forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$10.66
US$12.18
+14.2%
7.2%US$14.00US$10.50n/a14
Nov ’25US$10.39
US$12.11
+16.5%
7.0%US$14.00US$10.50n/a14
Oct ’25US$10.78
US$12.21
+13.3%
8.7%US$14.00US$10.50n/a14
Sep ’25US$10.84
US$11.79
+8.7%
9.1%US$14.00US$10.00n/a14
Aug ’25US$9.86
US$12.25
+24.2%
15.3%US$18.00US$10.00n/a14
Jul ’25US$9.72
US$14.25
+46.6%
55.6%US$42.00US$10.50n/a14
Jun ’25US$9.87
US$14.70
+48.9%
52.2%US$42.00US$10.50n/a15
May ’25US$10.20
US$14.81
+45.2%
50.3%US$42.00US$10.50n/a16
Apr ’25US$9.63
US$15.26
+58.5%
47.0%US$42.00US$9.00n/a17
Mar ’25US$10.65
US$19.81
+86.0%
36.6%US$42.00US$10.50n/a17
Feb ’25US$17.25
US$28.45
+64.9%
25.8%US$45.00US$18.00n/a16
Jan ’25US$30.69
US$37.46
+22.0%
15.2%US$48.00US$24.00n/a17
Dec ’24US$29.76
US$38.51
+29.4%
14.0%US$48.00US$24.00n/a17
Nov ’24US$28.47
US$39.22
+37.8%
10.3%US$48.00US$33.00US$10.3917
Oct ’24US$34.02
US$44.38
+30.5%
10.0%US$51.00US$36.00US$10.7817
Sep ’24US$36.96
US$46.03
+24.5%
8.3%US$51.00US$36.00US$10.8416
Aug ’24US$40.83
US$45.84
+12.3%
7.9%US$51.00US$36.00US$9.8616
Jul ’24US$33.72
US$36.52
+8.3%
8.4%US$42.00US$30.00US$9.7216
Jun ’24US$31.68
US$35.60
+12.4%
7.4%US$39.00US$30.00US$9.8717
May ’24US$32.13
US$34.54
+7.5%
10.4%US$39.00US$27.00US$10.2017
Apr ’24US$27.12
US$32.77
+20.8%
9.4%US$39.00US$24.00US$9.6316
Mar ’24US$26.37
US$32.10
+21.7%
8.3%US$36.00US$28.50US$10.6515
Feb ’24US$30.45
US$31.93
+4.9%
9.3%US$36.00US$27.00US$17.2514
Jan ’24US$25.80
US$30.40
+17.8%
11.0%US$37.50US$25.50US$30.6915
Dec ’23US$27.57
US$31.38
+13.8%
14.6%US$42.00US$25.50US$29.7613
Nov ’23US$27.93
US$31.77
+13.8%
14.5%US$42.00US$25.50US$28.4711

Analyst Forecast: Target price is less than 20% higher than the current share price.

Discover undervalued companies

BNP Paribas

€67.8b

Provides various banking and financial products and services in Europe, the Middle East, Africa, the Americas, and the Asia Pacific.

BNPQ.F

€64.30

7D

-0.5%

1Y

4.4%

Bank Negara Indonesia (Persero)

Rp182.9t

Provides various banking products and services in Indonesia, New York, Europe, and Asia.

PBNN.F

Rp0.29

7D

-46.5%

1Y

-6.4%

Banco Santander

€69.7b

Provides various financial services worldwide.

BCDR.F

€4.67

7D

-1.0%

1Y

18.1%