For full year 2025, Flagstar reported $177 million profit ($0.50 per share) on $2.06 billion revenue, marking a sharp pivot from previous quarters with significant loan loss provisions, as CEO Joseph M. Otting noted successful return to profitability after two challenging years. According to 12 analysts, the average rating for FLG stock is "Buy" with a 12-month price target of $14.50, representing a 2.26% increase from current price.
Cyborg Score Rationale
The return to profitability in Q4 2025 led to a 2.8% increase in share price to $13.93 following earnings announcement. However, the company has struggled post-merger with heavy NYC real estate exposure, losses, and a slashed dividend, trading at a steep discount to book value. Recovery momentum is positive but historical volatility and restructuring risks remain.
Top Insights
Holding company officially changed name to Flagstar Financial, Inc. and updated ticker to FLG in late 2024 to unify various brands including New York Community Bank and Flagstar Bank.
Company undergoing major restructuring including merger with bank subsidiary to streamline operations and regulatory oversight by Q4 2025.
Tangible Book Value per Share reported at $15.82 in Q4 2025, providing valuation context for analysts monitoring recovery progress.
Market capitalization is $5.75 billion with 1.65% increase over the last week as of mid-February 2026.
Named Competitors
Bank of America — Large-cap national bank with regional operations
Commerzbank — Regional banking competitor in Northeast
KeyBank — Mid-size regional bank in Northeast and Midwest
M&T Bank — Regional bank with Northeast presence
Recent Developments
(February 2026) Multiple analyst price target increases with Citi raising to $16.50 and BofA to $14.50
(February 2026) Quarterly dividend of $0.01 per share declared, payable March 17, 2026
(Q4 2025) Return to profitability with $177 million annual profit and positive earnings surprise of 244%
(Late 2024) Holding company renamed to Flagstar Financial with ticker updated to FLG
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