
FLG Stock Forecast & Price Target
FLG Analyst Ratings
Bulls say
Flagstar Bank NA displays a robust growth trajectory, highlighted by a significant 26% quarter-over-quarter increase in commercial and industrial (C&I) loan commitments, reaching $2.4 billion, and a substantial 41% surge in loan originations totaling $1.7 billion. The bank has also improved its net interest margin, which has risen for three consecutive quarters, now standing at 1.91%, signaling positive momentum for margin expansion into 2026. Additionally, with commercial and premier deposits increasing by $1 billion to $8.3 billion and a strong C&I loan pipeline of $1.8 billion, Flagstar is well-positioned to leverage its growing relationships and branch network to drive sustainable deposit and loan growth.
Bears say
Flagstar Bank is experiencing a concerning decline in its earnings per share (EPS), which has been revised down to $0.58 for 2026, falling short of the bank's own guidance of $0.75 - $0.80. Additionally, the bank has seen a significant reduction in average loans, which decreased by $2.3 billion or 3.5% quarter-over-quarter, indicating a trend of elevated payoffs in key sectors such as multifamily and commercial real estate. Furthermore, while non-accrual loans have a portion paying as agreed, the overall decline in fee income and reduction in average earning assets further compounds the financial pressures facing Flagstar Bank.
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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