FLGPA.PFD (Flagstar Bank NA) Moat Score: 4/10 (As of Jun. 25, 2026)


FLGPA.PFD Flagstar Bank NA FLGPA.PFD
60 GF Score
Price $22.76
! 6 Warning Signs
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What is Flagstar Bank NA Moat Score?

Flagstar Bank NA FLGPA.PFD -0.70% 60 Moat Score is 4 as of Jun. 25, 2026. GuruFocus rates FLGPA.PFD with a GF Score™ of 60/100. The stock has 6 warning signs investors should review. Among 1,610 Banks companies, Flagstar Bank NA ranks better than 86.15% on this metric.

Flagstar Bank NA has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Flagstar Bank NA has Narrow Moat: Flagstar Bank NA has a discernible but modest moat due to its regional market leadership and customer loyalty. While it benefits from some regulatory barriers, it lacks strong brand strength and significant customer switching costs.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Flagstar Bank NA might have Narrow Moat - Discernible but modest moat.

Flagstar Bank NA  (NYSE:FLGpA.PFD) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Flagstar Bank NA Moat Score Related Terms

FLGPA.PFD vs UBSI, ABCB, GBCI: Moat Score Comparison

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

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

* The bar in red indicates where Flagstar Bank NA's Moat Score falls into.


FLGPA.PFD
60GF Score
Flagstar Bank NA FLGPA.PFD
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Flagstar Bank NA (FLGPA.PFD) has a Moat Score of 4 as of Jun. 25, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Flagstar Bank NA ranks #223 out of 1610 companies in the Banks industry, placing it in the top 13.9%.
Is Flagstar Bank NA's Moat Score too high?
Flagstar Bank NA's current Moat Score is 4. Based on the distribution chart, Flagstar Bank NA ranks #223 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to UBSI and ABCB?
According to the Banks industry distribution chart, Flagstar Bank NA ranks #223 out of 1610 companies for Moat Score. This places Flagstar Bank NA in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Flagstar Bank NA's current Moat Score is 4. 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 Moat Score of 4. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Flagstar Bank NA (FLGPA.PFD), the current Moat Score is 4 as of Jun. 25, 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

Other Exchanges FLG:USAQC10:Germany
Address 102 Duffy Avenue, Hicksville, Hicksville, NY, USA, 11801
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

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