Flagstar Bank NAFLG +0.30%60 Net Margin % is 4.22% as of Mar. 2026, which is 88% below its 10-year median of 36.03. GuruFocus rates FLG with a GF Score™ of 60/100 and a GF Value™ of $8.64 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, Flagstar Bank NA ranks worse than 96.4% on this metric.
The historical rank and industry rank for Flagstar Bank NA's Net Margin % or its related term are showing as below:
FLG'
s Net Margin % Range Over the Past 10 Years
Min: -43.27 Med: 36.03 Max: 44.15
Current: -2.71
FLG's Net Margin % is ranked worse than 96.4% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs FLG: -2.71
Flagstar Bank NA (NYSE:FLG) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Flagstar Bank NA Net Margin % Related Terms
Flagstar Bank NA Net Margin % Historical Data
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The historical data trend for Flagstar Bank NA's Net 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.
For the Banks - Regional subindustry, Flagstar Bank NA's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Flagstar Bank NA's Net Margin % distribution charts can be found below:
* The bar in red indicates where Flagstar Bank NA's Net Margin % 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 Net Margin % of 4.22% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Flagstar Bank NA and its competitors. This is 88% below median its historical median of 36.03. According to the industry distribution chart, Flagstar Bank NA ranks #1471 out of 1526 companies in the Banks industry, placing it in the top 96.4%.
Is Flagstar Bank NA's Net Margin % too high?
Flagstar Bank NA's current Net Margin % of 4.22% is 88% below median its 10-year median of 36.03. The Banks industry median Net Margin % is 26.97. Flagstar Bank NA's value of 4.22% is 84.4% below this industry median. Based on the distribution chart, Flagstar Bank NA ranks #1471 out of 1526 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 Margin % compare to UBSI and ABCB?
According to the Banks industry distribution chart, Flagstar Bank NA ranks #1471 out of 1526 companies for Net Margin %. This places Flagstar Bank NA in the lower half of its industry. The industry median Net Margin % is 26.97. Flagstar Bank NA's value of 4.22% is 84.4% below this benchmark. While the company's 10-year median is 36.03 vs. the industry median of 26.97, Flagstar Bank NA has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Flagstar Bank NA's current Net Margin % of 4.22% is 84.4% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Flagstar Bank NA and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Flagstar Bank NA's current Net Margin % is 4.22%, which is 88% below median its own 10-year median of 36.03. 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 $8.64, compared to a current price of $15.13 — trading 75.1% above its estimated fair value. The current Net Margin % is 4.22%, which is 88% below median its 10-year median of 36.03 and 84.4% below the Banks industry median of 26.97. 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 Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Flagstar Bank NA (FLG), the current Net Margin % is 4.22% 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 $15.13 is trading 75.1% above its estimated GF Value™ of $8.64.
GuruFocus considers Flagstar Bank NA to be Significantly Overvalued.
Key valuation signals for FLG:
Net Margin %: 4.22% (88% below median its 10-year median of 36.03)
GF Value™: $8.64 vs. price of $15.13 (75.1% above fair value)
Industry Position: 84.4% below the Banks median (#1471 of 1526)
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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