FLG
Flagstar Bank National AssociationDNYSE / Banks
Last Price
At close
2026-07-18
Current thesis
NIM expansion and stable credit produce earnings upgrades and multiple expansion toward the analyst high, supporting upside to the bull target within 12 months.
Posture
Defensive
Lead driver
Sentiment
What changed
Next scheduled catalyst: earnings 2026-07-24 · BMO.
What can break
Deposit outflows or higher funding costs
Momentum
45
Value
38
Sentiment
47
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $14.00 · Bull $16.00 · Bear $10.50
Earnings
2026-07-24 · BMO
Data freshness
Prices
As of 2026-07-18
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-18 • Model: HYBRID_IC_RP
AI Memo
As of 2026-02-04 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-07-18
Investment thesis
As of 2026-07-18
Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $16.39
Why
Momentum45 · Δ7d +6.6
Value38 · Δ7d 0.0
Sentiment47 · Δ7d -1.4
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Lead driver: Sentiment · See AI snapshot
Momentum
45
26% active weight
Current posture
7d trendImproving
Δ7d
+6.6
Δ21d
-2.8
Value
38
39% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
+0.1
Sentiment
47
34% active weight
Current posture
7d trendSoftening
Δ7d
-1.4
Δ21d
+1.1
Why this grade
Composite grade D. Momentum 45.0 / Value 37.7 / Sentiment 47.4
Fundamentals (TTM)As of 2026-07-17
Fundamentals (TTM)
As of 2026-07-17
Market Cap
$6.21B
Beta
1.10
Shares Out
416.82M
P/E (TTM) · Derived
-29.5
P/S (TTM)
2.42
P/FCF (TTM) · Derived
-121.14
Rev YoY
-16.9%
EPS YoY
-110.7%
Gross Margin
-
Op Margin
-22.6%
Net Debt
$11.98B
Current Ratio
0.44
As of 2026-07-18 • Updated nightlySource: Internal modelMethodology