Flagstar Bank (FLG)
Regional bank spanning commercial, multifamily, mortgage, private banking and wealth services.
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Collects deposits and earns interest across commercial and industrial, multifamily, commercial real estate, mortgage and home-equity lending, supplemented by private banking, wealth, brokerage and insurance fees. Its national commercial reach sits beside a branch footprint centered on the New York region and Midwest, while multifamily and commercial real estate remain major credit concentrations.
Collects consumer and business deposits and lends across commercial and industrial, multifamily, commercial real estate, mortgage and home-equity categories. Private banking, wealth, trust, brokerage and insurance broaden relationships beyond lending. All activities form a single banking segment.
Runs branch and digital networks centered on greater New York and New Jersey and the upper Midwest, with operations in Florida and on the West Coast. Commercial lending reaches clients nationally; most multifamily collateral consists of New York City rental apartments, while most other commercial real estate collateral is in the Northeast and Midwest.
Expands relationship-based commercial lending and core deposits while reducing multifamily and commercial real estate exposure. Earnings and asset quality depend on deposit funding, interest rates, borrower repayment, property values, and banking capital and liquidity rules; New York City multifamily remains a major credit concentration.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Sep 8, 2026 | Morgan Stanley | Upgrade | Target: $14 | Target: $17 |
| Jul 15, 2026 | Cantor Fitzgerald | Reiterate | Rating: —Target: $16 | Target: $17 |
| Jul 7, 2026 | UBS | Target | Target: $14 | Target: $18 |
| Jul 7, 2026 | Barclays | Reiterate | Rating: —Target: $15 | Target: $17 |
| Jul 6, 2026 | Cowen & Co. | Upgrade |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $16.97B · Total debt $10.94B · Total assets $87.71B · Shareholders' equity $8.14B
- Revenue
- $1.05B
- Operating income
- $48.0M
- Net income
- $34.0M
HistoryDividendAnnual yield
| Institutions | 89.05% | 371.16M shares | |
|---|---|---|---|
| 429 holders · as of Jun 30, 2026 | |||
| Insiders | 0.46% | 1.91M shares | |
| 15 holders · as of Jan 29, 2026 | |||
| Other | 10.49% | 43.75M shares | |
| remainder | |||
416.82M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Liberty 77 Capital L.P.Institution | 17.99% | 75.00M | as of Jun 30, 2026 |
BlackRock, Inc.Institution | 10.32% | 43.03M | as of Jun 30, 2026 |
RCP Eagle Holdings LPInstitution | 8.63% | 35.98M | filed Jan 30, 2026 |
Reverence Capital Partners, L.P.Institution | 8.63% | 35.98M | as of Jun 30, 2026 |
State Street CorpInstitution | 4.06% | 16.93M | as of Jun 30, 2026 |
Insider tradesForm 4
No open-market trades in the last 12 months.
- M&T Bank
Direct Northeast peer in deposits, CRE, C&I, and mortgage
- Citizens Financial Group
Broad Northeast rival in deposits, private banking, and lending
- Valley National Bancorp
Northeast CRE and multifamily peer with deposit and mortgage overlap
- KeyCorp
Consumer and commercial bank overlap in deposits, CRE, and C&I
- Fifth Third
Large regional competitor in deposits, commercial banking, and mortgage
- Huntington Bancshares
Midwest regional challenger across deposits, mortgage, and C&I
- Western Alliance
Specialized commercial-bank peer in C&I, CRE, deposits, and mortgage
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Flagstar Bank | $12.64 | +0.40% | $5.25B | 676.9 | 16.1 | 1.2 | +4.0% |
| M&T Bank | $223.37 | −1.58% | $32.89B | 12.0 | 11.2 | 2.6 | +5.7% |
| Citizens Financial Group | $65.74 | −2.40% | $28.49B | 14.6 | 11.1 | 2.5 | +12.1% |
| Valley National Bancorp | $13.31 | −0.68% | $7.43B | 11.2 | 9.4 | 2.5 | +13.3% |
| KeyCorp | $20.55 | −1.56% | $22.53B | 12.1 | 10.5 | 2.1 | +7.3% |
| Fifth Third | $52.73 | −1.09% | $48.32B | 18.2 | 12.2 | 3.2 | +45.2% |
| Huntington Bancshares | $15.69 | −2.21% | $32.41B | 12.0 | 9.2 | 2.2 | +47.4% |
| Western Alliance | $77.42 | −1.57% | $8.59B | 8.8 | 7.5 | 1.7 | +17.7% |
| Median | 12.0 | 10.5 | 2.5 | +13.3% |