Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Flagstar Bank NA's 3-Year RORE % for the quarter that ended in Mar. 2026 was 5.47%.
The industry rank for Flagstar Bank NA's 3-Year RORE % or its related term are showing as below:
FLG's 3-Year RORE % is ranked worse than 61.35% of 1472
companies
in the Banks industry
Industry Median: 9.875
vs FLG: 5.47
Flagstar Bank NA (NYSE:FLG) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Flagstar Bank NA 3-Year RORE % Related Terms
Flagstar Bank NA 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Flagstar Bank NA's 3-Year RORE % 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 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Flagstar Bank NA's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Flagstar Bank NA's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Flagstar Bank NA (FLG) has a 3-Year RORE % of 5.47 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Flagstar Bank NA and its competitors. According to the industry distribution chart, Flagstar Bank NA ranks #903 out of 1472 companies in the Banks industry, placing it in the top 61.3%.
Is Flagstar Bank NA's 3-Year RORE % too high?
Flagstar Bank NA's current 3-Year RORE % is 5.47. The Banks industry median 3-Year RORE % is 9.88. Flagstar Bank NA's value of 5.47 is 44.6% below this industry median. Based on the distribution chart, Flagstar Bank NA ranks #903 out of 1472 companies in the Banks industry, which is below 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 3-Year RORE % compare to UBSI and ABCB?
According to the Banks industry distribution chart, Flagstar Bank NA ranks #903 out of 1472 companies for 3-Year RORE %. This places Flagstar Bank NA in the lower half of its industry. The industry median 3-Year RORE % is 9.88. Flagstar Bank NA's value of 5.47 is 44.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.88, based on 1,472 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Flagstar Bank NA's current 3-Year RORE % of 5.47 is 44.6% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Flagstar Bank NA and its competitors. For the Banks industry, the median 3-Year RORE % is 9.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Flagstar Bank NA's current 3-Year RORE % is 5.47. 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 $14.75 — trading 71.1% above its estimated fair value. The current 3-Year RORE % is 5.47 and 44.6% below the Banks industry median of 9.88. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Flagstar Bank NA (FLG), the current 3-Year RORE % is 5.47 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 $14.75 is trading 71.1% above its estimated GF Value™ of $8.62.
GuruFocus considers Flagstar Bank NA to be Significantly Overvalued.
Key valuation signals for FLG:
3-Year RORE %: 5.47
GF Value™: $8.62 vs. price of $14.75 (71.1% above fair value)
Industry Position: 44.6% below the Banks median (#903 of 1472)
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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