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Upturn AI SWOT - About
Flagstar Financial, Inc. (FLG)
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Upturn Advisory Summary
03/27/2025: FLG (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -56.55% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.59B USD | Price to earnings Ratio - | 1Y Target Price 12.2 |
Price to earnings Ratio - | 1Y Target Price 12.2 | ||
Volume (30-day avg) 5811023 | Beta 1 | 52 Weeks Range 7.81 - 13.34 | Updated Date 03/8/2025 |
52 Weeks Range 7.81 - 13.34 | Updated Date 03/8/2025 | ||
Dividends yield (FY) 0.42% | Basic EPS (TTM) -3.4 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -254.73% | Operating Margin (TTM) -73.49% |
Management Effectiveness
Return on Assets (TTM) -3.22% | Return on Equity (TTM) -37.16% |
Valuation
Trailing PE - | Forward PE 303.03 | Enterprise Value 2251102976 | Price to Sales(TTM) 3.22 |
Enterprise Value 2251102976 | Price to Sales(TTM) 3.22 | ||
Enterprise Value to Revenue 7.5 | Enterprise Value to EBITDA - | Shares Outstanding 414935008 | Shares Floating 248284369 |
Shares Outstanding 414935008 | Shares Floating 248284369 | ||
Percent Insiders 0.46 | Percent Institutions 82.62 |
Analyst Ratings
Rating 3.25 | Target Price 12.18 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold 13 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Flagstar Financial, Inc.
Company Overview
History and Background
Flagstar Financial, Inc. was founded in 1987. It has grown from a thrift institution to a diversified financial services company. Key milestones include expansions into mortgage origination and servicing, and commercial banking.
Core Business Areas
- Retail Banking: Provides a range of retail banking services, including checking accounts, savings accounts, CDs, and personal loans.
- Commercial Banking: Offers commercial lending, treasury management, and other financial services to businesses.
- Mortgage Origination: Originates residential mortgages through various channels, including retail, wholesale, and correspondent lending.
- Mortgage Servicing: Services residential mortgages for its own portfolio and for third-party investors.
Leadership and Structure
Flagstar Financial, Inc. is led by Alessandro DiNello as Chairman. The organizational structure includes various executive vice presidents overseeing key business lines and functions.
Top Products and Market Share
Key Offerings
- Market Share (%): 1
- Mortgage Origination: Flagstar originates mortgages through retail, wholesale, and correspondent channels. Competitors include Rocket Mortgage, United Wholesale Mortgage, and PennyMac Financial Services. Specific market share data is not publicly available in aggregate at the Flagstar level following its merger with New York Community Bancorp. Previously it was estimated around 1%. Revenue data is embedded in overall financial performance.
- Market Share (%): 0.5
- Mortgage Servicing: Flagstar services mortgages for its portfolio and others. Competitors include Mr. Cooper, Ocwen Financial, and Dovenmuehle Mortgage, Inc.. Market share and revenue data is embedded in overall financial performance.
- Commercial Lending: Flagstar provides loans to businesses. Competitors include large national banks and regional banks. Market share and revenue data is embedded in overall financial performance.
- Market Share (%): 0.1
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles. The mortgage market is impacted by interest rates and housing affordability.
Positioning
Flagstar Financial, Inc. focuses on providing a comprehensive suite of banking and mortgage services. Its competitive advantages include its diversified business model and strong relationships with mortgage brokers and correspondent lenders.
Total Addressable Market (TAM)
The TAM for banking and mortgage services is substantial. The US Mortgage Market is multi-trillion. Flagstar Financial, Inc. is positioned to capture a portion of this TAM through its diversified offerings and strong market presence.
Upturn SWOT Analysis
Strengths
- Diversified business model
- Strong mortgage origination platform
- Established relationships with mortgage brokers and correspondent lenders
- Experienced management team
Weaknesses
- Sensitivity to interest rate fluctuations
- Dependence on the housing market
- Exposure to credit risk
- Integration risks associated with acquisitions
Opportunities
- Expansion into new markets
- Growth in mortgage servicing portfolio
- Increased demand for digital banking services
- Strategic acquisitions to enhance capabilities
Threats
- Increased competition from fintech companies
- Regulatory changes
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Rocket Companies (RKT)
- United Wholesale Mortgage (UWMC)
- PennyMac Financial Services (PFSI)
- Mr. Cooper Group Inc (COOP)
- Wells Fargo (WFC)
Competitive Landscape
Flagstar Financial, Inc. competed based on its diverse product offerings and relationships with mortgage brokers. Following acquisition it is now part of NYCB, and will be embedded into the financial results of the parent.
Major Acquisitions
New York Community Bancorp
- Year: 2022
- Acquisition Price (USD millions): 2600
- Strategic Rationale: Expanded NYCB's product offerings and geographic footprint.
Growth Trajectory and Initiatives
Historical Growth: Flagstar Financial, Inc. experienced growth in mortgage origination and servicing prior to acquisition.
Future Projections: Future growth will be embedded in New York Community Bancorp.
Recent Initiatives: Flagstar Financial, Inc. integration into New York Community Bancorp.
Summary
Flagstar Financial, Inc. was a diversified financial services company known for its mortgage origination and servicing businesses. Its acquisition by New York Community Bancorp in 2022 significantly reshaped its identity, integrating its operations into a larger banking institution. While Flagstar demonstrated strong capabilities in its core areas, it faced challenges related to interest rate sensitivity and housing market volatility. The acquisition provided Flagstar with increased financial strength and opportunities for growth within the NYCB network. Future success will depend on the effective integration and leveraging of Flagstar's expertise within the broader organization.
Similar Companies
COOP
Mr. Cooper Group Inc
COOP
Mr. Cooper Group Inc
PFSI
PennyMac Finl Svcs Inc
PFSI
PennyMac Finl Svcs Inc
RKT
Rocket Companies Inc
RKT
Rocket Companies Inc
UWMC
UWM Holdings Corp
UWMC
UWM Holdings Corp
WFC
Wells Fargo & Company
WFC
Wells Fargo & Company
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Reports
- Market Analysis Reports
- Earnings Transcripts
- NYCB Investor Relations
Disclaimers:
The data and analysis provided are based on available information and are subject to change. This is not financial advice. Please consult with a financial professional before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Flagstar Financial, Inc.
Exchange NYSE | Headquaters Hicksville, NY, United States | ||
IPO Launch date 1993-11-23 | President, CEO & Executive Chairman Mr. Joseph M. Otting | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 6993 | Website https://www.flagstar.com |
Full time employees 6993 | Website https://www.flagstar.com | ||
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, and non-interest-bearing 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, as well as other consumer loans, including overdraft loans. The company offers non-deposit investment and insurance products; and online and mobile banking 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.
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