FLG · NYSE · STOCK
Flagstar Bank (FLG) Stock Analysis
$12.55
52W $10.57 – $15.44
66/100
$5.25B
369.2
0.99
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is FLG Bullish or Bearish?
Bullish.
Innellis AI committee rates Flagstar Bank (FLG) Buy with a composite score of 66/100
, based on 6 analysts with 50% agreement.
Last updated September 22, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +8.54 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 — -11.46 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 split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
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 (sideways) confirms the daily trend -- multi-timeframe agreement — Technical
- Low leverage (debt-to-equity 0.13) -- balance sheet can absorb a shock — Risk
- VIX regime is low -- calm backdrop supports risk-taking — Macro
Bear Case
- P/E of 109.0 is expensive by classic value standards — Value
- ROE of only 0.6% -- cheap may mean cheap for a reason — Value
- RSI at 24 is in oversold territory (could mean either capitulation or a bounce setup) — Technical
- MACD histogram negative -- bearish momentum — 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 September 22, 2026
Overall Committee Score
66/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 28%
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 109.0 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
46
/ 100 · High confidence
Mixed or range-bound price action
+ Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement
− RSI at 24 is in oversold territory (could mean either capitulation or a bounce setup)
Risk Analyst
bullish
80
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.13) -- balance sheet can absorb a shock
Macro Analyst
bullish
80
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score moved marginally from 64.0 to 66.5.
- New bearish signals: 2 appeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 4 signal(s) disappeared.
Analyst-level changes:
- Macro Analyst: score 65->80 (+15); +1 bullish signal(s).
- Portfolio Manager: score 45->55 (+10); +1 bearish signal(s).
- Technical Analyst: +1 bearish signal(s).
Comparing 2026-09-21 to 2026-09-22 (1 day apart).
Technical Analysis
RSI (14)
23.9
Oversold
MACD Histogram
-0.051
Bearish Momentum
Trend Direction
Sideways
Weekly: Sideways
Market Structure
Mixed
Support
$12.20
Resistance
$12.66
Bollinger %B
0.09
Inside Bands
Price vs Moving Averages
EMA 9
$12.84
Below
EMA 21
$13.17
Below
EMA 50
$13.62
Below
EMA 200
$13.53
Below
Fundamental Analysis
Valuation
67
Growth
82
Profitability
17
Financial Health
29
Cash Flow
70
Valuation
P/E Ratio
369.2×
P/B Ratio
0.64×
PEG Ratio
0.60
Dividend Yield
0.32%
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 369.2 (rich relative to a 15-40x range); Price-to-book of 0.6x; PEG ratio of 0.6 (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 →