Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Flagstar Bank NAFLG -1.48%60 Debt-to-Equity is 1.38 as of Mar. 2026, which is 31% below its 10-year median of 1.99. GuruFocus rates FLG with a GF Score™ of 60/100 and a GF Value™ of $8.28 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,421 Banks companies, Flagstar Bank NA ranks worse than 75.37% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Flagstar Bank NA's Debt-to-Equity or its related term are showing as below:
FLG'
s Debt-to-Equity Range Over the Past 10 Years
Min: 1.28 Med: 1.99 Max: 3.43
Current: 1.34
During the past 13 years, the highest Debt-to-Equity Ratio of Flagstar Bank NA was 3.43. The lowest was 1.28. And the median was 1.99.
FLG's Debt-to-Equity is ranked worse than 75.37% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs FLG: 1.34
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Flagstar Bank NA Debt-to-Equity Related Terms
Flagstar Bank NA Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Flagstar Bank NA's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Flagstar Bank NA's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Flagstar Bank NA Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Flagstar Bank NA's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Flagstar Bank NA's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Flagstar Bank NA (FLG) has a Debt-to-Equity of 1.38 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Flagstar Bank NA and its competitors. This is 31% below median its historical median of 1.99. Over the past decade, Flagstar Bank NA's Debt-to-Equity has ranged from 1.28 to 3.43. According to the industry distribution chart, Flagstar Bank NA ranks #1071 out of 1421 companies in the Banks industry, placing it in the top 75.4%.
Is Flagstar Bank NA's Debt-to-Equity too high?
Flagstar Bank NA's current Debt-to-Equity of 1.38 is 31% below median its 10-year median of 1.99. Over the past 10 years, this metric has ranged from a low of 1.28 to a high of 3.43. The Banks industry median Debt-to-Equity is 0.58. Flagstar Bank NA's value of 1.38 is 137.9% above this industry median. Based on the distribution chart, Flagstar Bank NA ranks #1071 out of 1421 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Flagstar Bank NA has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Flagstar Bank NA's Debt-to-Equity compare to ASB and ABCB?
According to the Banks industry distribution chart, Flagstar Bank NA ranks #1071 out of 1421 companies for Debt-to-Equity. This places Flagstar Bank NA in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Flagstar Bank NA's value of 1.38 is 137.9% above this benchmark. Historically, Flagstar Bank NA's own Debt-to-Equity has ranged from 1.28 to 3.43 over the past decade. While the company's 10-year median is 1.99 vs. the industry median of 0.58, Flagstar Bank NA has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Flagstar Bank NA's current Debt-to-Equity of 1.38 is 137.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Flagstar Bank NA and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Flagstar Bank NA's current Debt-to-Equity is 1.38, which is 31% below median its own 10-year median of 1.99. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Flagstar Bank NA stock overvalued right now?
Based on GuruFocus' analysis, Flagstar Bank NA (FLG) is currently considered Significantly Overvalued. The stock's GF Value™ is $8.28, compared to a current price of $13.95 — trading 68.5% above its estimated fair value. The current Debt-to-Equity is 1.38, which is 31% below median its 10-year median of 1.99 and 137.9% above the Banks industry median of 0.58. Flagstar Bank NA's overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Flagstar Bank NA (FLG), the current Debt-to-Equity is 1.38 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Flagstar Bank NA (FLG) Overvalued in 2026?
Based on GuruFocus' analysis, Flagstar Bank NA stock appears to be overvalued.
The current stock price of $13.95 is trading 68.5% above its estimated GF Value™ of $8.28.
GuruFocus considers Flagstar Bank NA to be Significantly Overvalued.
Key valuation signals for FLG:
Debt-to-Equity: 1.38 (31% below median its 10-year median of 1.99)
GF Value™: $8.28 vs. price of $13.95 (68.5% above fair value)
Industry Position: 137.9% above the Banks median (#1071 of 1421)
No single metric tells the full story. See the FLG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Flagstar Bank NA operates as a regional bank in the United-States. The group operates approximately 340 locations across ten states, with footholds in the greater New York/New Jersey metropolitan region and in the upper Midwest, along with a notable presence in fast-growing markets in Florida and the West Coast. In addition, the Bank has private banking teams located in several cities in the metropolitan New York City region and on the West Coast, which serve the needs of high-net-worth individuals and their businesses. It offers a variety of banking products and services, including consumer and commercial banking, mortgage lending, and wealth management through its subsidiaries. It serves individuals, small businesses, and corporations.
60GF Score
Get the complete analysis for FLG
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FLG has been successfully added to your 
