
FLG Stock Forecast & Price Target
FLG Analyst Ratings
Bulls say
Flagstar Bank NA demonstrates a robust financial position, highlighted by a significant increase in its TCE ratio by 44 basis points to 8.33% and a rise in the CET 1 ratio by 38 basis points to 12.83%, which indicates a strong capital foundation. The bank has also seen encouraging growth in commercial and industrial (C&I) lending, with loan commitments up 29% quarter-on-quarter to $3.0 billion, alongside a 21% increase in originations to $2.07 billion, showcasing successful initiatives from newly established lending teams. Furthermore, the bank's tangible book value (TBV) guidance for 2026 and 2027 has been slightly increased, reflecting confidence in future performance and underlying fundamentals.
Bears say
Flagstar Bank's financial performance is showing signs of weakness, evidenced by a significant decline in average loans, which fell by $1.74 billion or 2.7% quarter-over-quarter to $61.797 billion, following a similar trend in the previous quarter. The bank is grappling with elevated payoffs in multifamily and commercial real estate, contributing to a $569 million drop in period-end loans, leaving them $1.07 billion below the fourth-quarter average. Additionally, a slight reduction in 2026 EPS expectations to $0.58, below management's guidance, further underscores the challenges facing the bank amidst declining fee income and elevated noninterest expenses.
This aggregate rating is based on analysts' research of Flagstar Financial Inc and is not a guaranteed prediction by Public.com or investment advice.
FLG Analyst Forecast & Price Prediction
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