Flagstar Bank NAFLGPA.PFD -0.70%60 ROE % is 1.03% as of Mar. 2026, which is 85% below its 10-year median of 6.75. GuruFocus rates FLGPA.PFD with a GF Score™ of 60/100. The stock has 6 warning signs investors should review. Among 1,524 Banks companies, Flagstar Bank NA ranks worse than 96% on this metric.
The historical rank and industry rank for Flagstar Bank NA's ROE % or its related term are showing as below:
FLGpA.PFD'
s ROE % Range Over the Past 10 Years
Min: -13.52 Med: 6.75 Max: 8.58
Current: -0.69
During the past 13 years, Flagstar Bank NA's highest ROE % was 8.58%. The lowest was -13.52%. And the median was 6.75%.
FLGpA.PFD's ROE % is ranked worse than 96% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs FLGpA.PFD: -0.69
Flagstar Bank NA (NYSE:FLGpA.PFD) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Flagstar Bank NA ROE % Related Terms
Flagstar Bank NA ROE % Historical Data
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The historical data trend for Flagstar Bank NA's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Flagstar Bank NA's ROE % distribution charts can be found below:
* The bar in red indicates where Flagstar Bank NA's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Flagstar Bank NA (FLGPA.PFD) has a ROE % of 1.03% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Flagstar Bank NA and its competitors. This is 85% below median its historical median of 6.75. According to the industry distribution chart, Flagstar Bank NA ranks #1463 out of 1524 companies in the Banks industry, placing it in the top 96%.
Is Flagstar Bank NA's ROE % too high?
Flagstar Bank NA's current ROE % of 1.03% is 85% below median its 10-year median of 6.75. The Banks industry median ROE % is 10.22. Flagstar Bank NA's value of 1.03% is 89.9% below this industry median. Based on the distribution chart, Flagstar Bank NA ranks #1463 out of 1524 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, reflecting its overall financial health beyond just this single metric.
How does Flagstar Bank NA's ROE % compare to UBSI and ABCB?
According to the Banks industry distribution chart, Flagstar Bank NA ranks #1463 out of 1524 companies for ROE %. This places Flagstar Bank NA in the lower half of its industry. The industry median ROE % is 10.22. Flagstar Bank NA's value of 1.03% is 89.9% below this benchmark. While the company's 10-year median is 6.75 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Flagstar Bank NA's current ROE % of 1.03% is 89.9% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Flagstar Bank NA and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Flagstar Bank NA's current ROE % is 1.03%, which is 85% below median its own 10-year median of 6.75. 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 ROE % of 1.03%. The current ROE % is 1.03%, which is 85% below median its 10-year median of 6.75 and 89.9% below the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Flagstar Bank NA (FLGPA.PFD), the current ROE % is 1.03% 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 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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