
FLG Stock Forecast & Price Target
FLG Analyst Ratings
Bulls say
Flagstar Financial Inc has demonstrated significant financial strengthening since the introduction of a new Board and management team in early 2024, notably raising $1 billion in capital and increasing its Common Equity Tier 1 (CET1) ratio from 9.05% in 4Q23 to 11.9% in 1Q25. Additionally, the company has prudently tripled its allowance for credit losses (ACL) from 0.67% to 1.82% during the same period, indicating a proactive approach to risk management. This fortified balance sheet positions Flagstar well to manage potential future financial stresses and enhances its overall resilience in a challenging economic environment.
Bears say
Flagstar Financial Inc. has experienced a significant reduction in its multifamily (MF) loan exposure, declining 9% year-over-year to $31.5 billion, which constitutes 47% of total loans, while also incurring $382 million in non-performing loans (NCOs) since the beginning of January 2024. Additionally, the stock has faced a 12% decline in value over the past two weeks, attributed to political developments in New York City that may erode depositors' confidence in the bank. This potential loss of confidence poses a liquidity risk if depositors begin to withdraw their funds, further exacerbating the negative outlook on the stock.
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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