Is Flagstar Bank (FLG) Fairly Priced After Recent 12% One Month Share Price Slide?

Simply Wall St.03-17

If you are wondering whether Flagstar Bank National Association's current share price reflects its true worth, this breakdown will help you make sense of what you are paying for. The stock last closed...

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The stock last closed...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nyse-flg/flagstar-bank-national-association/news/is-flagstar-bank-flg-fairly-priced-after-recent-12-one-month\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is Flagstar Bank (FLG) Fairly Priced After Recent 12% One Month Share Price Slide?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs Flagstar Bank (FLG) Fairly Priced After Recent 12% One Month Share Price Slide?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-03-17 18:27 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/banks/nyse-flg/flagstar-bank-national-association/news/is-flagstar-bank-flg-fairly-priced-after-recent-12-one-month><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>If you are wondering whether Flagstar Bank National Association's current share price reflects its true worth, this breakdown will help you make sense of what you are paying for. The stock last closed...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nyse-flg/flagstar-bank-national-association/news/is-flagstar-bank-flg-fairly-priced-after-recent-12-one-month\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4211","symbol_name":"区域性银行","start_time":0,"source_url":"https://simplywall.st/stocks/us/banks/nyse-flg/flagstar-bank-national-association/news/is-flagstar-bank-flg-fairly-priced-after-recent-12-one-month","article_id":"2620442662","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7021000-choice2-main-header/1585186747215"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/banks/nyse-flg/flagstar-bank-national-association/news/is-flagstar-bank-flg-fairly-priced-after-recent-12-one-month","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2620442662","pubTimestamp":1773743250,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"If you are wondering whether Flagstar Bank National Association's current share price reflects its true worth, this breakdown will help you make sense of what you are paying for.\nThe stock last closed at US$12.45, with returns of 4.2% over the past year, but a 12.2% decline over the last 30 days and a 48.4% decline across three years.\nRecent coverage has focused on Flagstar Bank National Association as part of the wider US regional banking sector, with attention on how individual banks are...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4211":"区域性银行","BK7095":"多种金属与采矿","FLG":"Flagstar Financial, Inc.","FLG.AU":"Flagship Minerals Ltd"},"translate_title":"Flagstar Bank(FLG)股价最近一个月下跌12%后，其定价是否合理？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"FLG.AU":1.5,"FLG":1.5},"content_text":"If you are wondering whether Flagstar Bank National Association's current share price reflects its true worth, this breakdown will help you make sense of what you are paying for. The stock last closed at US$12.45, with returns of 4.2% over the past year, but a 12.2% decline over the last 30 days and a 48.4% decline across three years. Recent coverage has focused on Flagstar Bank National Association as part of the wider US regional banking sector, with attention on how individual banks are positioned on capital strength, funding mix and credit risk. These themes help frame why the share price has been relatively weak over the last month while still showing a modest gain over the past year. Simply Wall St currently assigns Flagstar Bank National Association a value score of 3/6. The next sections will compare different valuation methods and then bring those numbers together into a more complete view of value.  Find out why Flagstar Bank National Association's 4.2% return over the last year is lagging behind its peers. AdvertisementApproach 1: Flagstar Bank National Association Excess Returns Analysis The Excess Returns model looks at whether Flagstar Bank National Association is expected to earn more on its equity than the return required by shareholders. Instead of focusing on cash flows, it compares the bank's profitability on its book value to its cost of equity. Flagstar Bank National Association currently has an estimated Book Value of US$18.37 per share and a Stable EPS of US$1.39 per share, based on weighted future Return on Equity estimates from 8 analysts. The Average Return on Equity is 6.99%, while the Cost of Equity is US$1.87 per share. That leads to an Excess Return of US$0.47 per share, which means projected earnings are below the required return in this model. The Stable Book Value is estimated at US$19.91 per share, based on weighted future Book Value estimates from 9 analysts. Bringing these inputs together, the Excess Returns model points to an intrinsic value of about US$11.96 per share. With the recent share price at US$12.45, the model suggests the stock is around 4.1% overvalued. Result: ABOUT RIGHT Flagstar Bank National Association is fairly valued according to our Excess Returns, but this can change at a moment's notice. Track the value in your watchlist or portfolio and be alerted on when to act. FLG Discounted Cash Flow as at Mar 2026 Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for Flagstar Bank National Association. Approach 2: Flagstar Bank National Association Price vs Book For banks, the price to book, or P/B, ratio is often the cleanest way to think about value because you are essentially asking how much you are paying for each dollar of net assets on the balance sheet. This is especially useful when earnings can be uneven from year to year, while book value usually moves more steadily. In general, investors tend to pay a higher P/B ratio when they expect stronger long term profitability or when they see lower risk in a bank's loan book and funding. The opposite is also true: a lower P/B can reflect more cautious expectations or higher perceived risk. So context really matters when you compare P/B ratios. Flagstar Bank National Association is currently trading on a P/B of 0.68x, compared with the Banks industry average of 1.05x and a peer group average of 1.14x. Simply Wall St also uses a proprietary “Fair Ratio” for P/B, which is the multiple it would expect based on factors such as earnings growth, profit margins, risk profile, industry and market capitalization. Because this Fair Ratio is tailored to the company rather than broad groups, it can give a more precise read than simple peer or industry comparisons. In this case, the Fair Ratio is not available, so the P/B comparison alone cannot clearly indicate whether the shares are overvalued or undervalued. Result: ABOUT RIGHT NYSE:FLG P/B Ratio as at Mar 2026 P/B ratios tell one story, but what if the real opportunity lies elsewhere? Start investing in legacies, not executives. Discover our 20 top founder-led companies. Upgrade Your Decision Making: Choose your Flagstar Bank National Association Narrative Earlier it was mentioned that there is an even better way to understand valuation. Narratives on Simply Wall St’s Community page let you attach a clear story to your numbers by linking your view of Flagstar Bank National Association’s business, such as whether revenue reaches the analysts’ US$3.6b and earnings sit closer to the bullish US$2.0b or the more cautious US$873.1m by 2028, to a forecast and a fair value that you can compare with today’s price. This then updates automatically as new news or earnings arrive, so you can quickly see whether your Narrative still supports holding, adding or trimming your position. Do you think there's more to the story for Flagstar Bank National Association? Head over to our Community to see what others are saying! NYSE:FLG 1-Year Stock Price Chart  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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