Flagstar Bank (FLG): Assessing Valuation After a Strong 2024 Share Price Rebound

Simply Wall St.2025-12-09

Flagstar Bank National Association (FLG) has quietly put together a solid run, with the stock up around 18% over the past month and nearly 40% this year, catching the attention of value-focused bank ...

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That strong year to date share price return sits awkwardly against a three year total shareholder return that remains deeply negative, suggesting sentiment is...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"FLG":"Flagstar Financial, Inc.","FLG.AU":"Flagship Minerals Ltd","BK7095":"多种金属与采矿","BK4211":"区域性银行"},"translate_title":"Flagstar Bank(FLG)：2024年股价强劲反弹后评估估值","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"FLG":1.5,"FLG.AU":1.5},"content_text":"Flagstar Bank National Association (FLG) has quietly put together a solid run, with the stock up around 18% over the past month and nearly 40% this year, catching the attention of value-focused bank investors. See our latest analysis for Flagstar Bank National Association. The latest move takes Flagstar’s share price to 12.88 dollars. That strong year to date share price return sits awkwardly against a three year total shareholder return that remains deeply negative, suggesting sentiment is improving but scars from past losses are still healing. If Flagstar’s rebound has you rethinking the opportunity in regional lenders, it could be worth scanning for other banks with momentum and conviction from insiders via fast growing stocks with high insider ownership. With shares now circling analysts’ targets despite rapid revenue growth and a still loss making bottom line, investors face a key question: Is Flagstar still undervalued, or is the market already pricing in a full recovery? AdvertisementPrice to Book of 0.7 times, is it justified? Flagstar trades around 12.88 dollars per share, and its low price to book ratio hints that the market still applies a clear discount versus peers. The price to book multiple compares a bank’s market value with the net value of its assets on the balance sheet, making it a common yardstick for lenders. At 0.7 times book value, versus around 1 times for the wider US banks industry and 1.3 times for direct peers, investors are paying less than a dollar for each dollar of net assets, which typically signals skepticism about future profitability or asset quality. That discount looks understandable given Flagstar remains loss making, carries a high level of bad loans, and has a low allowance for those problem assets, even if revenue and earnings are forecast to grow rapidly and return to profit within a few years. The valuation gap versus peers is therefore both a reflection of current stress on the balance sheet and a potential upside lever if management can deliver on growth and clean up credit quality. While many regional banks cluster closer to book value, Flagstar’s 0.7 times ratio stands out as materially cheaper than both the US banks average and its direct peer group. See what the numbers say about this price — find out in our valuation breakdown. Result: Price to book of 0.7 times (UNDERVALUED) However, lingering credit quality issues and sustained losses, despite rapid revenue growth, could delay a clean balance sheet and undermine the undervaluation thesis. Find out about the key risks to this Flagstar Bank National Association narrative.  Build Your Own Flagstar Bank National Association Narrative If this perspective does not quite match your own view, or you would rather test the numbers yourself, you can build a tailored thesis in just a few minutes: Do it your way. A great starting point for your Flagstar Bank National Association research is our analysis highlighting 1 key reward and 2 important warning signs that could impact your investment decision. Looking for more investment ideas? Do not stop with just one opportunity. Use the Simply Wall Street Screener to uncover focused stock ideas that match your strategy before the market catches on.  Scan these 3581 penny stocks with strong financials to find smaller companies with robust financial foundations and potential to grow. Explore these 100+ AI penny stocks to focus on companies involved in artificial intelligence developments. Review these 903 undervalued stocks based on cash flows to identify situations where current share prices may not fully reflect strong cash flows.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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