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Upturn AI SWOT - About
Flagstar Financial Inc (FLG-PA)
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Upturn Advisory Summary
03/24/2025: FLG-PA (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -25.92% | Avg. Invested days 60 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/24/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 32124 | Beta 1.1 | 52 Weeks Range 14.13 - 24.15 | Updated Date 03/11/2025 |
52 Weeks Range 14.13 - 24.15 | Updated Date 03/11/2025 | ||
Dividends yield (FY) 7.07% | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -67.37% | Operating Margin (TTM) -30.75% |
Management Effectiveness
Return on Assets (TTM) -1.02% | Return on Equity (TTM) -13.16% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 8856775680 | Price to Sales(TTM) - |
Enterprise Value 8856775680 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 262429555 |
Shares Outstanding - | Shares Floating 262429555 | ||
Percent Insiders - | Percent Institutions 1.15 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Flagstar Financial Inc
Company Overview
History and Background
Flagstar Bank was founded in 1987 as First Security Savings Bank in Bloomfield Hills, Michigan. It evolved from a thrift institution into a full-service commercial bank, experiencing significant growth through acquisitions and organic expansion. In 2022, New York Community Bancorp acquired Flagstar Bancorp, Inc., and it operates as Flagstar Bank, N.A., a subsidiary of New York Community Bancorp.
Core Business Areas
- Commercial Banking: Offers a range of banking services to businesses, including commercial loans, deposit accounts, and cash management solutions.
- Retail Banking: Provides banking services to consumers, including checking and savings accounts, mortgages, and personal loans.
- Mortgage Banking: Originates, sells, and services residential mortgage loans through various channels.
- Warehouse Lending: Provides financing to independent mortgage companies.
Leadership and Structure
The leadership team consists of senior executives overseeing various divisions of Flagstar Bank, operating under the New York Community Bancorp umbrella. The organizational structure includes departments for commercial banking, retail banking, mortgage banking, finance, and operations.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Flagstar is a major mortgage originator and servicer. Market share varies, but Flagstar has historically been among the top mortgage originators in the US. Competitors include Wells Fargo (WFC), JPMorgan Chase (JPM), and Rocket Companies (RKT).
- Commercial Lending: Flagstar offers a variety of commercial loan products. Market share is smaller compared to national players. Competitors include Bank of America (BAC), US Bancorp (USB), and PNC Financial Services (PNC).
- Retail Banking Services: Checking, savings, and other retail products. Relatively small market share compared to larger national banks. Competitors include Chase, Bank of America, and Wells Fargo.
Market Dynamics
Industry Overview
The banking industry is undergoing significant changes, including increased competition, regulatory scrutiny, and technological advancements. Rising interest rates and economic uncertainty impact mortgage origination and commercial lending.
Positioning
Flagstar is positioned as a regional bank with a strong presence in mortgage banking. Its competitive advantages include its experience in mortgage origination and servicing and its focus on providing personalized service.
Total Addressable Market (TAM)
The total addressable market for banking services, including mortgage and commercial lending, is in the trillions of dollars. Flagstar is positioned to capture a portion of this market, particularly in its geographic footprint and areas of expertise. Flagstar's TAM is defined by the markets it currently participates in, which includes the US mortgage market (est. trillions) and the commercial banking markets in its operational area.
Upturn SWOT Analysis
Strengths
- Strong mortgage origination platform
- Experienced management team
- Established customer base
- Diversified revenue streams
- Strong warehouse lending business.
Weaknesses
- Exposure to interest rate risk
- Dependence on mortgage market conditions
- Limited geographic footprint compared to national banks
- Higher cost of funds compared to larger banks.
- Potential integration challenges post acquisition.
Opportunities
- Expansion into new markets
- Increased demand for mortgage loans
- Growth in digital banking
- Strategic acquisitions
- Growing commercial lending opportunities.
Threats
- Rising interest rates
- Economic slowdown
- Increased competition
- Regulatory changes
- Cybersecurity threats.
Competitors and Market Share
Key Competitors
- WFC
- JPM
- USB
- BAC
Competitive Landscape
Flagstar faces intense competition from larger national banks and smaller regional players. Its competitive advantage lies in its mortgage origination expertise and personalized service.
Major Acquisitions
New York Community Bancorp
- Year: 2022
- Acquisition Price (USD millions): 2600
- Strategic Rationale: This acquisition allowed NYCB to expand into new markets, diversify its revenue streams, and create a stronger regional bank with national capabilities.
Growth Trajectory and Initiatives
Historical Growth: Flagstar has grown through acquisitions and organic expansion. Its growth has been tied to the mortgage market and commercial lending activities.
Future Projections: Future growth will depend on the overall economic environment, interest rate trends, and the success of Flagstar's strategic initiatives, including integration with New York Community Bancorp.
Recent Initiatives: Integration with New York Community Bancorp, expansion of commercial lending activities, and investments in digital banking technologies.
Summary
Flagstar Financial Inc., now operating as Flagstar Bank, N.A. under New York Community Bancorp, possesses strengths in mortgage origination and warehouse lending. Its performance is significantly influenced by mortgage market dynamics and interest rate fluctuations. Growth opportunities lie in market expansion and digital banking, while threats include rising rates and competition. The acquisition by NYCB presents both opportunities and integration challenges, requiring strategic execution for sustained success.
Similar Companies
BAC
Bank of America Corp
BAC
Bank of America Corp
JPM
JPMorgan Chase & Co
JPM
JPMorgan Chase & Co
PNC
PNC Financial Services Group Inc
PNC
PNC Financial Services Group Inc
USB
U.S. Bancorp
USB
U.S. Bancorp
WFC
Wells Fargo & Company
WFC
Wells Fargo & Company
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Market analysis
Disclaimers:
The information provided is for informational purposes only and should not be considered as financial advice. Investment decisions should be based on individual circumstances and consultation with a qualified financial advisor.
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 - | 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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