Flagstar Bank NAFLG -2.09%54 EV-to-FCF is 50.55 as of Jun. 30, 2026, which is 109% above its 10-year median of 24.22. GuruFocus rates FLG with a GF Score™ of 54/100 and a GF Value™ of $8.63 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,196 Banks companies, Flagstar Bank NA ranks worse than 93.73% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Flagstar Bank NA's Enterprise Value is $10,919 Mil.
Flagstar Bank NA's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $216 Mil. Therefore, Flagstar Bank NA's EV-to-FCF for today is 50.55.
The historical rank and industry rank for Flagstar Bank NA's EV-to-FCF or its related term are showing as below:
FLG'
s EV-to-FCF Range Over the Past 10 Years
Min: -95.44 Med: 24.22 Max: 115.41
Current: 50.55
During the past 13 years, the highest EV-to-FCF of Flagstar Bank NA was 115.41. The lowest was -95.44. And the median was 24.22.
FLG's EV-to-FCF is ranked worse than 93.73% of 1196
companies
in the Banks industry
Industry Median: 6.555
vs FLG: 50.55
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Flagstar Bank NA's PE Ratio (TTM) for today is calculated as:
Flagstar Bank NA's share price for today is $14.96.
Flagstar Bank NA's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-0.220.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Flagstar Bank NA EV-to-FCF Related Terms
Flagstar Bank NA EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Flagstar Bank NA's EV-to-FCF 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 EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Flagstar Bank NA's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Flagstar Bank NA's EV-to-FCF falls into.
Flagstar Bank NA's current Enterprise Value is $10,919 Mil.
Flagstar Bank NA's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $216 Mil.
* 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 EV-to-FCF of 50.55 as of Jun. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Flagstar Bank NA and its competitors. This is 109% above median its historical median of 24.22. According to the industry distribution chart, Flagstar Bank NA ranks #1121 out of 1196 companies in the Banks industry, placing it in the top 93.7%.
Is Flagstar Bank NA's EV-to-FCF too high?
Flagstar Bank NA's current EV-to-FCF of 50.55 is 109% above median its 10-year median of 24.22. The Banks industry median EV-to-FCF is 6.56. Flagstar Bank NA's value of 50.55 is 671.2% above this industry median. Based on the distribution chart, Flagstar Bank NA ranks #1121 out of 1196 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Flagstar Bank NA has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Flagstar Bank NA's EV-to-FCF compare to UBSI and ABCB?
According to the Banks industry distribution chart, Flagstar Bank NA ranks #1121 out of 1196 companies for EV-to-FCF. This places Flagstar Bank NA in the lower half of its industry. The industry median EV-to-FCF is 6.56. Flagstar Bank NA's value of 50.55 is 671.2% above this benchmark. While the company's 10-year median is 24.22 vs. the industry median of 6.56, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Flagstar Bank NA's current EV-to-FCF of 50.55 is 671.2% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Flagstar Bank NA and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Flagstar Bank NA's current EV-to-FCF is 50.55, which is 109% above median its own 10-year median of 24.22. 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 $8.63, compared to a current price of $14.96 — trading 73.3% above its estimated fair value. The current EV-to-FCF is 50.55, which is 109% above median its 10-year median of 24.22 and 671.2% above the Banks industry median of 6.56. Flagstar Bank NA's overall GF Score™ is 54/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Flagstar Bank NA (FLG), the current EV-to-FCF is 50.55 as of Jun. 30, 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 $14.96 is trading 73.3% above its estimated GF Value™ of $8.63.
GuruFocus considers Flagstar Bank NA to be Significantly Overvalued.
Key valuation signals for FLG:
EV-to-FCF: 50.55 (109% above median its 10-year median of 24.22)
GF Value™: $8.63 vs. price of $14.96 (73.3% above fair value)
Industry Position: 671.2% above the Banks median (#1121 of 1196)
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.
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