📊 FLG-PA Key Takeaways
Is FLG-PA a Good Investment? Thesis Analysis
Flagstar Bank faces severe profitability deterioration with negative net income of -$177M and operating losses of -$198M despite 159.5% revenue growth, indicating poor earnings quality and operational distress. Negative cash flows (-$181M operating, -$192M free cash flow) combined with deteriorating returns (ROE: -2.2%, ROA: -0.2%) signal fundamental business challenges. The company is destroying shareholder value and burning cash, raising serious concerns about financial sustainability.
Why Buy FLG-PA? Key Strengths
- Strong revenue growth of 159.5% YoY demonstrates market expansion
- Solid asset base of $87.5B provides operational scale
- Adequate liquidity with $6.0B in cash and equivalents
FLG-PA Investment Risks to Consider
- Persistent operating losses and negative net income indicating core business unprofitability
- Negative operating and free cash flow suggesting inability to sustain operations organically
- Deteriorating profitability margins (Net: -4.0%, Operating: -4.4%) despite revenue growth indicates cost structure problems
- Negative interest coverage (-0.2x) shows inability to service debt from operating earnings
- High leverage with Debt/Equity of 1.01x combined with negative earnings raises solvency concerns
Key Metrics to Watch
- Operating income trend and path to profitability
- Operating cash flow recovery and sustainability
- Net interest margin and credit quality deterioration drivers
- Debt service capacity and refinancing needs
- Cost-to-income ratio improvement initiatives
FLG-PA Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
FLG-PA Profitability Ratios
FLG-PA vs Default Sector
How FLAGSTAR BANK, NATIONAL ASSOCIATION compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is FLG-PA Overvalued or Undervalued?
Based on fundamental analysis, FLAGSTAR BANK, NATIONAL ASSOCIATION shows some fundamental concerns relative to the Default sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
FLG-PA Balance Sheet & Liquidity
FLG-PA 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: FLAGSTAR BANK, NATIONAL ASSOCIATION's revenue has declined by 17% over the 5-year period, indicating business contraction. The most recent EPS of $-0.49 indicates the company is currently unprofitable.
FLG-PA Growth Metrics (YoY)
FLG-PA Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2022 | $5.0M | $3.0M | $0.30 |
| Q2 2022 | $6.0M | $2.0M | $0.30 |
| Q1 2022 | $5.0M | -$44.0M | $0.29 |
| Q3 2021 | $5.0M | $107.0M | $0.23 |
| Q2 2021 | $4.0M | $97.0M | $0.21 |
| Q1 2021 | $5.5M | $49.0M | $0.20 |
| Q3 2020 | $5.2M | $90.8M | $0.19 |
| Q2 2020 | $3.7M | $89.0M | $0.19 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
FLG-PA Capital Allocation
FLG-PA SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for FLAGSTAR BANK, NATIONAL ASSOCIATION (CIK: 0000910073)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Mar 17, 2026 | 4 | xslF345X05/wk-form4_1773757752.xml | View → |
| Mar 17, 2026 | 4 | xslF345X05/wk-form4_1773757614.xml | View → |
| Mar 17, 2026 | 4 | xslF345X05/wk-form4_1773757481.xml | View → |
| Mar 17, 2026 | 4 | xslF345X05/wk-form4_1773757380.xml | View → |
| Mar 17, 2026 | 4 | xslF345X05/wk-form4_1773757231.xml | View → |
❓ Frequently Asked Questions about FLG-PA
What is the AI rating for FLG-PA?
FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG-PA) has an AI rating of STRONG SELL with 92% confidence, based on fundamental analysis of SEC EDGAR filings.
What are FLG-PA's key strengths?
Claude: Strong revenue growth of 159.5% YoY demonstrates market expansion. Solid asset base of $87.5B provides operational scale.
What are the risks of investing in FLG-PA?
Claude: Persistent operating losses and negative net income indicating core business unprofitability. Negative operating and free cash flow suggesting inability to sustain operations organically.
What is FLG-PA's revenue and growth?
FLAGSTAR BANK, NATIONAL ASSOCIATION reported revenue of $4.5B.
Does FLG-PA pay dividends?
FLAGSTAR BANK, NATIONAL ASSOCIATION pays dividends, with $15.0M distributed to shareholders in the trailing twelve months.
Where can I find FLG-PA SEC filings?
Official SEC filings for FLAGSTAR BANK, NATIONAL ASSOCIATION (CIK: 0000910073) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FLG-PA's EPS?
FLAGSTAR BANK, NATIONAL ASSOCIATION has a diluted EPS of $-0.50.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is FLG-PA a good stock to buy right now?
Based on our AI fundamental analysis in March 2026, FLAGSTAR BANK, NATIONAL ASSOCIATION has a STRONG SELL rating with 92% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is FLG-PA stock overvalued or undervalued?
Valuation metrics for FLG-PA: ROE of -2.2% (sector avg: 15%), net margin of -4.0% (sector avg: 12%). Compare these metrics with sector averages to assess valuation.
Should I buy FLG-PA stock in 2026?
Our dual AI analysis gives FLAGSTAR BANK, NATIONAL ASSOCIATION a combined STRONG SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is FLG-PA's free cash flow?
FLAGSTAR BANK, NATIONAL ASSOCIATION's operating cash flow is $-181.0M, with capital expenditures of $11.0M. FCF margin is -4.3%.
How does FLG-PA compare to other Default stocks?
Vs Default sector averages: Net margin -4.0% (avg: 12%), ROE -2.2% (avg: 15%), current ratio N/A (avg: 1.8).