
FLG Stock Forecast & Price Target
FLG Analyst Ratings
Bulls say
Flagstar Bank NA has demonstrated robust growth in its commercial and industrial (C&I) loan sector, with loan commitments rising by 26% quarter over quarter to $2.4 billion, and origination volumes increasing by 41% to $1.7 billion. Additionally, the net interest margin has shown consistent improvement, up 10 basis points to 1.91% for three consecutive quarters, indicating strong margin expansion potential heading into 2026. Furthermore, there has been a significant infusion of deposits, as commercial and premier deposits rose by $1 billion to $8.3 billion, backed by the strategic expansion of the bank's relationship banker team aimed at fostering growth in both new and existing client segments.
Bears say
The financial analysis indicates several troubling signs for Flagstar Bank, including a significant year-to-date decrease in criticized loans by $2.8 billion, attributed to a persistent trend of declining loan performance over three consecutive quarters. Additionally, the bank's expected 2026 earnings per share has been revised downward to $0.58, falling short of its own guidance of $0.75 - $0.80, which raises concerns regarding future profitability. Furthermore, a notable decline in average loans by $2.3 billion for the third quarter, primarily due to substantial payoffs in multifamily and commercial real estate, coupled with predictions of further payoffs in the upcoming quarter, suggests ongoing challenges in loan growth and revenue generation.
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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