Flagstar Bank NAFLG +0.46%60 PB Ratio is 0.83 as of Jun. 25, 2026, which is 5% above its 10-year median of 0.79. 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 1,515 Banks companies, Flagstar Bank NA ranks better than 71.16% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-25), Flagstar Bank NA's share price is $15.15. Flagstar Bank NA's Book Value per Share for the quarter that ended in Mar. 2026 was $18.28. Hence, Flagstar Bank NA's PB Ratio of today is 0.83.
Warning Sign:
Flagstar Bank NA stock PB Ratio (=0.83) is close to 2-year high of 0.83.
The historical rank and industry rank for Flagstar Bank NA's PB Ratio or its related term are showing as below:
FLG'
s PB Ratio Range Over the Past 10 Years
Min: 0.29 Med: 0.79 Max: 1.37
Current: 0.83
During the past 13 years, Flagstar Bank NA's highest PB Ratio was 1.37. The lowest was 0.29. And the median was 0.79.
FLG's PB Ratio is ranked better than 71.16% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs FLG: 0.83
During the past 12 months, Flagstar Bank NA's average Book Value Per Share Growth Rate was -0.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -20.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -17.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -6.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Flagstar Bank NA was 62.90% per year. The lowest was -24.10% per year. And the median was 1.30% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Flagstar Bank NA PB Ratio Related Terms
Flagstar Bank NA PB Ratio Historical Data
* Premium members only.
The historical data trend for Flagstar Bank NA's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Flagstar Bank NA's PB Ratio distribution charts can be found below:
* The bar in red indicates where Flagstar Bank NA's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Flagstar Bank NA (FLG) has a PB Ratio of 0.83 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Flagstar Bank NA and its competitors. This is near median its historical median of 0.79. Over the past decade, Flagstar Bank NA's PB Ratio has ranged from 0.29 to 1.37. According to the industry distribution chart, Flagstar Bank NA ranks #437 out of 1515 companies in the Banks industry, placing it in the top 28.8%.
Is Flagstar Bank NA's PB Ratio too high?
Flagstar Bank NA's current PB Ratio of 0.83 is near median its 10-year median of 0.79. Over the past 10 years, this metric has ranged from a low of 0.29 to a high of 1.37. The Banks industry median PB Ratio is 1.08. Flagstar Bank NA's value of 0.83 is 23.1% below this industry median. Based on the distribution chart, Flagstar Bank NA ranks #437 out of 1515 companies in the Banks industry, which is above the industry midpoint. 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 PB Ratio compare to UBSI and ABCB?
According to the Banks industry distribution chart, Flagstar Bank NA ranks #437 out of 1515 companies for PB Ratio. This puts Flagstar Bank NA in the upper half of its industry. The industry median PB Ratio is 1.08. Flagstar Bank NA's value of 0.83 is 23.1% below this benchmark. Historically, Flagstar Bank NA's own PB Ratio has ranged from 0.29 to 1.37 over the past decade. While the company's 10-year median is 0.79 vs. the industry median of 1.08, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Flagstar Bank NA's current PB Ratio of 0.83 is 23.1% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Flagstar Bank NA and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Flagstar Bank NA's current PB Ratio is 0.83, which is near median its own 10-year median of 0.79. 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 $15.15 — trading 75.3% above its estimated fair value. The current PB Ratio is 0.83, which is near median its 10-year median of 0.79 and 23.1% below the Banks industry median of 1.08. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Flagstar Bank NA (FLG), the current PB Ratio is 0.83 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.
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 $15.15 is trading 75.3% above its estimated GF Value™ of $8.64.
GuruFocus considers Flagstar Bank NA to be Significantly Overvalued.
Key valuation signals for FLG:
PB Ratio: 0.83 (near median its 10-year median of 0.79)
GF Value™: $8.64 vs. price of $15.15 (75.3% above fair value)
Industry Position: 23.1% below the Banks median (#437 of 1515)
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.
60GF Score
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