FLGPA.PFD (Flagstar Bank NA) FCF Margin %: -27.71% (As of Mar. 2026)

What is Flagstar Bank NA FCF Margin %?

Flagstar Bank NA FLGPA.PFD -0.70% 60 FCF Margin % is -27.71% as of Mar. 2026. GuruFocus rates FLGPA.PFD with a GF Score™ of 60/100. The stock has 6 warning signs investors should review. Among 1,505 Banks companies, Flagstar Bank NA ranks worse than 66.58% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Flagstar Bank NA's Free Cash Flow for the three months ended in Mar. 2026 was $-138.00 Mil. Flagstar Bank NA's Revenue for the three months ended in Mar. 2026 was $498.00 Mil. Therefore, Flagstar Bank NA's FCF Margin % for the quarter that ended in Mar. 2026 was -27.71%.

As of today, Flagstar Bank NA's current FCF Yield % is 3.45%.

The historical rank and industry rank for Flagstar Bank NA's FCF Margin % or its related term are showing as below:

During the past 13 years, the highest FCF Margin % of Flagstar Bank NA was 95.10%. The lowest was -12.03%. And the median was 37.72%.

FLGpA.PFD's FCF Margin % is not ranked ^*
in the Banks industry.
Industry Median: 26.42
* Ranked among companies with meaningful FCF Margin % only.

Flagstar Bank NA FCF Margin % Related Terms

Flagstar Bank NA FCF Margin % Historical Data

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The historical data trend for Flagstar Bank NA's FCF Margin % 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.

Flagstar Bank NA FCF Margin % Chart

Flagstar Bank NA Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

FCF Margin %

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21.19

69.03

5.42

1.93

-12.03

Flagstar Bank NA Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
FCF Margin %	Get a 7-Day Free Trial															-122.86	70.16	44.89	-40.75	-27.71

FLGPA.PFD vs UBSI, ABCB, GBCI: FCF Margin % Comparison

For the Banks - Regional subindustry, Flagstar Bank NA's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Flagstar Bank NA's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Flagstar Bank NA's FCF Margin % falls into.

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Flagstar Bank NA FLGPA.PFD

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Flagstar Bank NA FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Flagstar Bank NA's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin	=	Free Cash Flow (A: Dec. 2025 )	/	Revenue (A: Dec. 2025 )
	=	-248	/	2062
	=	-12.03 %

Flagstar Bank NA's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin	=	Free Cash Flow (Q: Mar. 2026 )	/	Revenue (Q: Mar. 2026 )
	=	-138	/	498
	=	-27.71 %

Frequently Asked Questions Learn more about FCF Margin % →

What does a FCF Margin % of -27.71% mean?

Flagstar Bank NA (FLGPA.PFD) has a FCF Margin % of -27.71% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Flagstar Bank NA and its competitors. According to the industry distribution chart, Flagstar Bank NA ranks #1002 out of 1505 companies in the Banks industry, placing it in the top 66.6%.

Is Flagstar Bank NA's FCF Margin % too high?

Flagstar Bank NA's current FCF Margin % is -27.71%. Based on the distribution chart, Flagstar Bank NA ranks #1002 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, Flagstar Bank NA has a GF Score™ of 60/100, reflecting its overall financial health beyond just this single metric.

How does Flagstar Bank NA's FCF Margin % compare to UBSI and ABCB?

According to the Banks industry distribution chart, Flagstar Bank NA ranks #1002 out of 1505 companies for FCF Margin %. This places Flagstar Bank NA in the lower half of its industry. The industry median FCF Margin % is 26.42. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good FCF Margin % for a Banks company?

The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high FCF Margin % mean?

A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Flagstar Bank NA and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Flagstar Bank NA's current FCF Margin % is -27.71%. 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?

Flagstar Bank NA (FLGPA.PFD) has a current FCF Margin % of -27.71%. The current FCF Margin % is -27.71%. 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 FCF Margin % calculated?

FCF Margin % is calculated from a company's financial statements. For Flagstar Bank NA (FLGPA.PFD), the current FCF Margin % is -27.71% 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.

Flagstar Bank NA Business Description

Industry Financial Services Banks

Comparable Companies UBSI ABCB GBCI HWC FNB HOMB AUB OZK ASB AX SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Other Exchanges FLG:USA QC10:Germany

Address 102 Duffy Avenue, Hicksville, Hicksville, NY, USA, 11801

Website https://www.flagstar.com

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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