FLG · NYSE · STOCK
Flagstar Bank (FLG) Stock Analysis
$11.28
52W $10.57 – $15.44
59/100
$4.67B
328.7
1.05
Is FLG Bullish or Bearish?
Bullish.
Innellis AI committee rates Flagstar Bank (FLG) Buy with a composite score of 59/100
, based on 6 analysts with 67% agreement.
Last updated October 14, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +16.07 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -3.93 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — quarter-over-quarter growth rate is accelerating, not just positive. Portfolio Manager remains cautious — 2 existing position pair(s) are highly correlated already. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- Price-to-book of 0.6x is a discount to asset value — Value
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Weekly trend (downtrend) confirms the daily trend -- multi-timeframe agreement — Technical
- Low leverage (debt-to-equity 0.13) -- balance sheet can absorb a shock — Risk
Bear Case
- P/E of 95.2 is expensive by classic value standards — Value
- ROE of only 0.6% -- cheap may mean cheap for a reason — Value
- Price structure making lower highs and lower lows — Technical
- RSI at 13 is in oversold territory (could mean either capitulation or a bounce setup) — Technical
- MACD histogram negative -- bearish momentum — Technical
- Weekly RSI at 18 -- oversold on the larger timeframe too — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 14, 2026
Overall Committee Score
59/100
Agreement
67%
Analysts
6
Conviction
Contested
Sector Rank
Top 55%
of 211 Financial Services peers
Value Analyst
neutral
50
/ 100 · High confidence
Fair value -- neither a bargain nor obviously overpriced
+ Price-to-book of 0.6x is a discount to asset value
− P/E of 95.2 is expensive by classic value standards
Growth Analyst
bullish
85
/ 100 · Low confidence
Strong, accelerating growth with consistent execution
+ Quarter-over-quarter growth rate is ACCELERATING, not just positive
Technical Analyst
neutral
41
/ 100 · High confidence
Mixed or range-bound price action
+ Weekly trend (downtrend) confirms the daily trend -- multi-timeframe agreement
− Price structure making lower highs and lower lows
Risk Analyst
neutral
58
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
+ Low leverage (debt-to-equity 0.13) -- balance sheet can absorb a shock
− Bollinger bandwidth of 17.4% signals elevated volatility
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
neutral
55
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
bearish
35
/ 100 · Low confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− 2 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score moved marginally from 61.4 to 58.9.
- New bearish signals: 3 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- Bearish pressure eased: 4 signal(s) disappeared.
Analyst-level changes:
- Macro Analyst: score 80->65 (-15).
- Portfolio Manager: score 30->35 (+5).
- Risk Analyst: +1 bearish signal(s).
- Technical Analyst: +1 bearish signal(s).
- Value Analyst: +1 bearish signal(s).
Comparing 2026-10-13 to 2026-10-14 (1 day apart).
Technical Analysis
RSI (14)
10.7
Oversold
MACD Histogram
-0.016
Bearish Momentum
Trend Direction
Downtrend
Weekly: Downtrend
Market Structure
Mixed
Support
$10.90
Resistance
$11.99
Bollinger %B
0.15
Inside Bands
Price vs Moving Averages
EMA 9
$11.41
Below
EMA 21
$11.87
Below
EMA 50
$12.65
Below
EMA 200
$13.25
Below
Fundamental Analysis
Valuation
67
Growth
82
Profitability
17
Financial Health
29
Cash Flow
70
Valuation
P/E Ratio
328.7×
P/B Ratio
0.57×
PEG Ratio
0.53
Dividend Yield
0.36%
52W High
$15.44
52W Low
$10.57
Quality & Growth
ROE
-217.3%
ROA
-20.2%
Gross Margin
4496.1%
Operating Margin
192.4%
Revenue Growth YoY
—
Debt / Equity
1.34
AI Fundamental Assessment
P/E ratio of 328.7 (rich relative to a 15-40x range); Price-to-book of 0.6x; PEG ratio of 0.5 (under 1.0 suggests growth is undervalued relative to price); Return on equity of -2.2%; Return on assets of -0.2%; Net margin of 1.1%; Gross margin of 45.0%; Current ratio of 0.00 (tight short-term liquidity); Debt-to-equity of 1.34; Free cash flow per share is positive (0.19); Most recent quarter missed estimates by 26.1%; EPS growth accelerating (-33.3% -> +25.0% QoQ); Average YoY EPS growth of 135.7%; Analyst estimates rising over recent quarters
Get the Full FLG Analysis
Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A
Open in Terminal →