Flagstar Bank NAFLG -2.73%60 Net Current Asset Value is $0.00 as of Mar. 2026. GuruFocus rates FLG with a GF Score™ of 60/100 and a GF Value™ of $8.62 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 23 Banks companies, Flagstar Bank NA ranks worse than 4347821.74% on this metric.
In calculating the Net Current Asset Value (NCAV), Benjamin Graham means a company's current assets (such as cash, marketable securities, and inventories) minus its total liabilities (including preferred stock, minority interest, and long-term debt).
Flagstar Bank NA's net current asset value per share for the quarter that ended in Mar. 2026 was $0.00.
The historical rank and industry rank for Flagstar Bank NA's Net Current Asset Value or its related term are showing as below:
FLG's Price-to-Net-Current-Asset-Value is not ranked *
in the Banks industry.
Industry Median: 1.15 * Ranked among companies with meaningful Price-to-Net-Current-Asset-Value only.
Flagstar Bank NA (NYSE:FLG) Net Current Asset Value Explanation
Benjamin Graham first discussed net current asset value (NCAV) in the 1934 edition of "Security Analysis", which he coauthored with David Dodd. In the book, (net) current asset value is defined as:" current assets alone, minus all liabilities and claims ahead of the issue."
The common definition of NCAV is: NCAV = current assets – [total liabilities + minority interest + preferred stock]
Net current assets exclude not only the intangible assets but also the fixed and miscellaneous assets. In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. In "Security Analysis", preferred stock is dubbed "an imperfect creditorship position" that is best placed on the balance sheet alongside funded debt.
One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Grahams strategy produced similar results.
Benjamin Graham looked for companies whose market values were less than two-thirds of their Net-Net Working Capital. They are collected under our Net-Net screener.
Flagstar Bank NA Net Current Asset Value Related Terms
Flagstar Bank NA Net Current Asset Value Historical Data
* Premium members only.
The historical data trend for Flagstar Bank NA's Net Current Asset Value 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.
FLG vs UBSI, ABCB, HWC: Net Current Asset Value Comparison
For the Banks - Regional subindustry, Flagstar Bank NA's Price-to-Net-Current-Asset-Value, along with its competitors' market caps and Price-to-Net-Current-Asset-Value 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 Price-to-Net-Current-Asset-Value vs Banks Industry
For the Banks industry and Financial Services sector, Flagstar Bank NA's Price-to-Net-Current-Asset-Value distribution charts can be found below:
* The bar in red indicates where Flagstar Bank NA's Price-to-Net-Current-Asset-Value 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.
What does a Net Current Asset Value of $0.00 mean?
Flagstar Bank NA (FLG) has a Net Current Asset Value of $0.00 as of Mar. 2026. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on Flagstar Bank NA and its competitors. According to the industry distribution chart, Flagstar Bank NA ranks #999999 out of 23 companies in the Banks industry.
Is Flagstar Bank NA's Net Current Asset Value too high?
Flagstar Bank NA's current Net Current Asset Value is $0.00. Based on the distribution chart, Flagstar Bank NA ranks #999999 out of 23 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 Net Current Asset Value compare to UBSI and ABCB?
According to the Banks industry distribution chart, Flagstar Bank NA ranks #999999 out of 23 companies for Net Current Asset Value. This places Flagstar Bank NA in the lower half of its industry. The industry median Net Current Asset Value is 1.15. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Current Asset Value for a Banks company?
The median Net Current Asset Value among Banks companies is 1.15, based on 23 companies in the industry. Companies in the top quartile (top 25%) have a Net Current Asset Value significantly above this median, while those in the bottom quartile fall well below. However, Net Current Asset Value 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 Net Current Asset Value mean?
A high Net Current Asset Value can signal that a stock is expensive relative to its fundamentals. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on Flagstar Bank NA and its competitors. For the Banks industry, the median Net Current Asset Value is 1.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Flagstar Bank NA's current Net Current Asset Value is $0.00. 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 $8.62, compared to a current price of $14.59 — trading 69.3% above its estimated fair value. The current Net Current Asset Value is $0.00. 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 Net Current Asset Value calculated?
Net Current Asset Value is calculated from a company's financial statements. For Flagstar Bank NA (FLG), the current Net Current Asset Value is $0.00 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 $14.59 is trading 69.3% above its estimated GF Value™ of $8.62.
GuruFocus considers Flagstar Bank NA to be Significantly Overvalued.
Key valuation signals for FLG:
Net Current Asset Value: $0.00
GF Value™: $8.62 vs. price of $14.59 (69.3% above fair value)
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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