Flagstar Bank NA (FLG)
Market Price (12/29/2025): $12.75 | Market Cap: $5.3 BilSector: Financials | Industry: Regional Banks
Flagstar Bank NA (FLG)
Market Price (12/29/2025): $12.75Market Cap: $5.3 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 31%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 29% | Weak multi-year price returns2Y Excs Rtn is -103%, 3Y Excs Rtn is -129% | Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 89% |
| Attractive yieldFCF Yield is 11% | Meaningful short interestShort Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 11.01, Short Interest % of Basic SharesShort Interest % of Basic Shares = (Short Interest Quantity) / (Basic Shares Outstanding). A high fraction of short interest can indicate potential risk of a short squeeze. is 15% | Weak revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is -30%, Rev Chg QQuarterly Revenue Change % is -17% |
| Low stock price volatilityVol 12M is 39% | Yield minus risk free rate is negativeERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -11% | |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, and AI for Fraud Detection. | Key risksFLG key risks include [1] significant exposure to troubled New York City rent-regulated real estate loans, Show more. |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 31%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 29% |
| Attractive yieldFCF Yield is 11% |
| Low stock price volatilityVol 12M is 39% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, and AI for Fraud Detection. |
| Weak multi-year price returns2Y Excs Rtn is -103%, 3Y Excs Rtn is -129% |
| Meaningful short interestShort Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 11.01, Short Interest % of Basic SharesShort Interest % of Basic Shares = (Short Interest Quantity) / (Basic Shares Outstanding). A high fraction of short interest can indicate potential risk of a short squeeze. is 15% |
| Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 89% |
| Weak revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is -30%, Rev Chg QQuarterly Revenue Change % is -17% |
| Yield minus risk free rate is negativeERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -11% |
| Key risksFLG key risks include [1] significant exposure to troubled New York City rent-regulated real estate loans, Show more. |
Why The Stock Moved
Qualitative Assessment
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1. Flagstar Bank, N.A. reported a net loss for the third quarter of 2025. The bank announced a net loss attributable to common stockholders of $0.11 per diluted share and an adjusted net loss of $0.07 per diluted share for Q3 2025. Such financial results can negatively impact investor sentiment and contribute to a stock price decline.
2. The company underwent a holding company reorganization in October 2025. Flagstar Financial, Inc. announced the receipt of required regulatory approvals to merge its holding company into the bank. While a strategic move, corporate reorganizations can introduce short-term uncertainties regarding integration, operational costs, or management focus, potentially leading to cautious investor behavior.
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Stock Movement Drivers
Fundamental Drivers
The 10.4% change in FLG stock from 9/28/2025 to 12/28/2025 was primarily driven by a 16.1% change in the company's P/S Multiple.| 9282025 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 11.57 | 12.77 | 10.36% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 2145.00 | 2041.00 | -4.85% |
| P/S Multiple | 2.24 | 2.60 | 16.11% |
| Shares Outstanding (Mil) | 415.13 | 415.56 | -0.11% |
| Cumulative Contribution | 10.36% |
Market Drivers
9/28/2025 to 12/28/2025| Return | Correlation | |
|---|---|---|
| FLG | 10.4% | |
| Market (SPY) | 4.3% | 45.3% |
| Sector (XLF) | 3.3% | 62.7% |
Fundamental Drivers
The 18.3% change in FLG stock from 6/29/2025 to 12/28/2025 was primarily driven by a 34.7% change in the company's P/S Multiple.| 6292025 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 10.79 | 12.77 | 18.32% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 2320.00 | 2041.00 | -12.03% |
| P/S Multiple | 1.93 | 2.60 | 34.73% |
| Shares Outstanding (Mil) | 414.82 | 415.56 | -0.18% |
| Cumulative Contribution | 18.31% |
Market Drivers
6/29/2025 to 12/28/2025| Return | Correlation | |
|---|---|---|
| FLG | 18.3% | |
| Market (SPY) | 12.6% | 39.6% |
| Sector (XLF) | 7.4% | 52.4% |
Fundamental Drivers
The 41.9% change in FLG stock from 12/28/2024 to 12/28/2025 was primarily driven by a 130.5% change in the company's P/S Multiple.| 12282024 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 9.00 | 12.77 | 41.88% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 2926.00 | 2041.00 | -30.25% |
| P/S Multiple | 1.13 | 2.60 | 130.55% |
| Shares Outstanding (Mil) | 366.64 | 415.56 | -13.34% |
| Cumulative Contribution | 39.36% |
Market Drivers
12/28/2024 to 12/28/2025| Return | Correlation | |
|---|---|---|
| FLG | 41.9% | |
| Market (SPY) | 17.0% | 45.4% |
| Sector (XLF) | 15.3% | 48.7% |
Fundamental Drivers
The -47.6% change in FLG stock from 12/29/2022 to 12/28/2025 was primarily driven by a -168.0% change in the company's Shares Outstanding (Mil).| 12292022 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 24.36 | 12.77 | -47.57% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 1404.00 | 2041.00 | 45.37% |
| P/S Multiple | 2.69 | 2.60 | -3.33% |
| Shares Outstanding (Mil) | 155.04 | 415.56 | -168.04% |
| Cumulative Contribution | -195.61% |
Market Drivers
12/29/2023 to 12/28/2025| Return | Correlation | |
|---|---|---|
| FLG | -57.6% | |
| Market (SPY) | 48.4% | 24.8% |
| Sector (XLF) | 51.8% | 32.8% |
Price Returns Compared
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| FLG Return | -6% | 23% | -25% | 25% | -69% | 38% | -54% |
| Peers Return | 16% | 38% | -12% | 21% | 26% | 16% | 150% |
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 18% | 114% |
Monthly Win Rates [3] | |||||||
| FLG Win Rate | 50% | 58% | 42% | 50% | 42% | 58% | |
| Peers Win Rate | 52% | 65% | 42% | 68% | 57% | 52% | |
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 73% | |
Max Drawdowns [4] | |||||||
| FLG Max Drawdown | -31% | -1% | -29% | -24% | -74% | -5% | |
| Peers Max Drawdown | -34% | -5% | -26% | -7% | -9% | -23% | |
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: HPQ, HPE, IBM, CSCO, AAPL.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/26/2025 (YTD)
How Low Can It Go
| Event | FLG | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -54.6% | -25.4% |
| % Gain to Breakeven | 120.5% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -34.4% | -33.9% |
| % Gain to Breakeven | 52.3% | 51.3% |
| Time to Breakeven | 110 days | 148 days |
| 2018 Correction | ||
| % Loss | -46.0% | -19.8% |
| % Gain to Breakeven | 85.2% | 24.7% |
| Time to Breakeven | Not Fully Recovered days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -61.5% | -56.8% |
| % Gain to Breakeven | 159.5% | 131.3% |
| Time to Breakeven | Not Fully Recovered days | 1,480 days |
Compare to HPQ, HPE, IBM, CSCO, AAPL
In The Past
Flagstar Bank NA's stock fell -54.6% during the 2022 Inflation Shock from a high on 10/19/2021. A -54.6% loss requires a 120.5% gain to breakeven.
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Flagstar Financial, Inc. operates as the bank holding company for Flagstar Bank, N.A. that provides banking products and services in the United States. The company's deposit products include interest-bearing checking and money market, savings, non-interest-bearing, and retirement accounts, as well as certificates of deposit. Its loan products comprise multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial and industrial loans; one-to-four family loans; specialty finance loans and leases; warehouse loans; and other loans, such as home equity lines of credit, boat and recreational vehicle indirect lending, point of sale consumer loans, and other consumer loans, including overdraft loans. The company offers cash management products; non-deposit investment and insurance products; and online banking, mobile banking, and bank-by-phone services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as New York Community Bancorp, Inc. and changed its name to Flagstar Financial, Inc. in October 2024. Flagstar Financial, Inc. was founded in 1859 and is headquartered in Hicksville, New York.
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- Imagine Rocket Mortgage, but also operating as a full-service regional bank offering checking, savings, and commercial lending.
- A regional bank similar to PNC or Truist, but with a notably strong national mortgage lending and servicing operation.
- A traditional bank offering a full range of services, much like a smaller Wells Fargo, but with an outsized focus on its national mortgage lending and servicing business.
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```html- Residential Mortgage Lending and Servicing: Flagstar Bank originates, sells, and services a wide range of home loans for individual customers.
- Commercial Banking Services: The bank provides various financial solutions to businesses and commercial real estate clients, including lending, treasury management, and specialized financing.
- Retail Banking and Deposit Products: Flagstar offers a full suite of traditional banking services for individuals, including checking, savings, money market, and certificate of deposit accounts, alongside consumer loans and wealth management.
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Flagstar Bank NA (formerly symbol: FLG)
Flagstar Bank NA, while formerly trading under the symbol FLG, is now a subsidiary of New York Community Bancorp (NYSE: NYCB). As a full-service commercial bank, Flagstar Bank serves a broad range of customers rather than being primarily reliant on a few major corporate clients. Its primary customer base consists of both individuals and various types of businesses. Therefore, the customers are best described by categories:- Retail Customers (Individuals): This category includes individual consumers seeking a variety of personal banking services. Flagstar Bank has historically been a significant mortgage originator, serving individuals seeking home purchase loans and refinancing. It also provides checking and savings accounts, home equity loans, personal loans, and other consumer banking products.
- Small to Medium-sized Businesses (SMBs): Flagstar Bank offers a comprehensive suite of banking products and services tailored for businesses of varying sizes. This includes commercial loans, lines of credit, business checking and savings accounts, treasury management services, and merchant services to support their operational and growth needs.
- Commercial Real Estate (CRE) Clients: This segment comprises developers, investors, and property owners seeking financing for commercial properties across various asset classes, such as multi-family residential, office, retail, and industrial. Flagstar Bank provides specialized lending solutions for the acquisition, development, and refinancing of commercial real estate.
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- Fiserv, Inc. (FISV)
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Joseph M. Otting, Executive Chairman, President, and Chief Executive Officer
Joseph M. Otting has served as Executive Chairman, President, and Chief Executive Officer of Flagstar Bank, N.A. since April 1, 2024, and was appointed Executive Chairman of the Board effective June 5, 2024. He previously served as the 31st United States Comptroller of the Currency from November 2017 to 2020. Prior to that, he was President of CIT Bank and Co-President of CIT Group from August 2015 to December 2015, and before that, he served as President, Chief Executive Officer, and a board member of OneWest Bank, N.A. He was also Vice Chairman of U.S. Bancorp, managing the Commercial Banking Group, and served as Executive Vice President and Group Head of Commercial Banking at Union Bank of California from 1994 to 2001. OneWest Bank was acquired by CIT Group. His appointment to Flagstar followed a $1 billion equity injection from an investment firm led by former Treasury Secretary Steven Mnuchin, who was also involved with OneWest Bank, suggesting a pattern of managing companies backed by private equity firms.
Lee Smith, Senior Executive Vice President and Chief Financial Officer
Lee Smith serves as Senior Executive Vice President and Chief Financial Officer of Flagstar Bank, N.A., a role effective December 28, 2024. He joined Flagstar in 2013 as Executive Vice President and Chief Operating Officer and later became head of Mortgage in 2020. As COO, he played a critical role in Flagstar's turnaround, managing several key business units, including mortgage servicing, as well as strategy, balance sheet, cost optimization, and mergers and acquisitions. Before joining Flagstar, Mr. Smith was a partner with MatlinPatterson Global Advisers LLC, a private equity fund, where he managed various portfolio companies and served on multiple boards. His earlier career also includes roles as a senior director at Zolfo Cooper LLC and a vice president in Ernst & Young's national restructuring group.
George F. Buchanan III, Executive Vice President and Chief Risk Officer
George F. Buchanan III has served as Executive Vice President and Chief Risk Officer of Flagstar Bank, N.A. since March 2024. Before joining Flagstar, he spent 13 years at Regions Bank, holding several roles of increasing responsibility across various risk disciplines. Most recently at Regions Bank, he worked in the credit review area, and prior to that, he spent five years as Chief Risk Officer for Consumer Banking and Wealth Management, overseeing all aspects of risk management.
Richard Raffetto, Senior Executive Vice President and President of Commercial and Private Banking
Richard Raffetto joined Flagstar Bank with over 30 years of experience in the banking industry, including more than 20 years in executive leadership positions building commercial, corporate, and private banking teams. From 2020 to 2024, he served as President and Director of City National Bank, which is the U.S. commercial and private banking subsidiary of Royal Bank of Canada. In that role, he led their commercial lines of business and products, including leasing, treasury management, payments, and capital markets units.
Kris Gagnon, Senior Executive Vice President, Chief Credit Officer
Kris Gagnon brings more than 35 years of banking leadership experience to Flagstar Bank. He spent 30 years at Bank of America in various senior leadership roles, including Enterprise Credit Risk Executive, Chief Risk Officer of the Global Corporate and Commercial Bank, and Chief Credit Officer for the Commercial Banking, Leasing and Global Treasury Services Division. Following his tenure at Bank of America, Mr. Gagnon served as Chief Credit Officer at Banc of California and CIT Bank (formerly known as OneWest Bank).
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The key risks to Flagstar Bank NA's business are:- Exposure to Commercial Real Estate (CRE) Loans, especially New York City's Rent-Regulated Multifamily Properties: Flagstar Bank, as part of New York Community Bancorp (NYCB), holds a substantial portfolio of loans to rent-regulated multifamily buildings in New York City. This exposure is highly susceptible to risks from high interest rates, persistent inflation, plummeting property values, and strict rent stabilization legislation, which collectively jeopardize borrowers' ability to repay these loans. This has been a significant factor in NYCB's financial struggles and the need for capital infusions.
- Weaknesses in Internal Controls and Risk Management: New York Community Bancorp, Flagstar's parent company, has identified "material weaknesses" in its internal controls, particularly concerning its internal loan review processes. This indicates ineffective oversight, risk assessment, and monitoring activities, which could lead to further financial losses and necessitates significant remediation efforts and management changes to rectify.
- Inconsistent Profitability and Accelerating Net Losses: Flagstar (and the combined entity with NYCB) has experienced accelerating net losses and difficulty in maintaining consistent profit margins over recent periods, despite some forecasts for revenue growth. This ongoing financial instability raises concerns about the company's long-term viability and its ability to achieve sustained profitability.
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- Emergence of Digital-First Banks and Fintech Platforms: Neobanks (e.g., Chime, Varo, Ally Bank) and specialized fintech companies offer digitally native banking experiences, often with lower fees, superior mobile interfaces, faster transaction processing, and personalized financial tools. These entities directly compete for Flagstar's retail deposit base, personal loan market, and small business banking customers by appealing to tech-savvy individuals and those seeking convenience over traditional branch networks. Their lower operational overhead allows for competitive pricing, potentially eroding Flagstar's net interest margin and customer acquisition.
- Growth of Embedded Finance and Non-Bank Financial Service Providers: Non-financial companies (e.g., e-commerce platforms like Shopify, payment processors like Square/Block, or tech giants) are increasingly embedding financial services directly into their core offerings. This includes merchant lending (e.g., Shopify Capital), "Buy Now Pay Later" (BNPL) services, payment processing, and even corporate spend management tools. This trend disintermediates Flagstar from key lending relationships and payment processing revenue, particularly with small and medium-sized businesses (SMBs) and consumers, by leveraging their existing customer relationships and data to offer financial products without the overhead of a traditional bank.
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The addressable markets for Flagstar Bank NA's main products and services in the U.S. are detailed below:
- Mortgage Lending: The total mortgage origination volume in the U.S. is expected to reach approximately $2.3 trillion in 2025. The outstanding mortgage debt in the U.S. was approximately $12.94 trillion across 86.47 million mortgages as of Q2 2025. The residential mortgage market is valued at $14.3 trillion, with commercial real estate (CRE) loans accounting for an additional ~$6.2 trillion.
- Personal Banking (Retail Banking): The U.S. retail banking market is valued at approximately $0.87 trillion (USD 870 billion) in 2025, with a forecast to reach $1.08 trillion by 2030, growing at a Compound Annual Growth Rate (CAGR) of 4.22% during this period.
- Commercial Banking: The U.S. commercial banking market is estimated to be approximately $732.5 billion in 2025, based on in-scope commercial revenue lines. This market is projected to reach $915.45 billion by 2030, growing at a CAGR of 4.56%.
- Private Banking and Wealth Management: The U.S. private banking market size is projected to be approximately $127.6 billion in 2025, with an anticipated rise to $218.4 billion by 2032, at a CAGR of 8.0%. Separately, global assets under management (AUM) reached $162 trillion in 2025, with the United States accounting for 54.2% of this total, equating to approximately $87.8 trillion in AUM for the U.S. The wealth management market in North America is expected to experience significant growth, contributing to a global increase of $460.1 billion in revenue between 2025 and 2029.
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Here are 3-5 expected drivers of future revenue growth for Flagstar Bank NA (FLG) over the next 2-3 years:- Growth in Commercial & Industrial (C&I) Lending: Flagstar Bank has demonstrated significant momentum in its C&I business, reporting a "breakout quarter" in Q3 2025 with $1.7 billion in new loan outstandings and $448 million in overall net loan growth for the C&I portfolio. This marked the first quarter of positive growth in C&I loans since early 2024. The bank plans to further expand this area by adding more relationship bankers and support staff, with 124 added so far in 2025 and an additional 20 planned for Q4.
- Net Interest Margin (NIM) Expansion: The company has seen its net interest margin expand for three consecutive quarters, reaching 1.91% in Q3 2025. Management anticipates a continued increase in NIM, projecting it to grow to between 2.40% and 2.60% in 2026 and further to between 2.80% and 2.90% in 2027. This expansion is expected to be a material driver of earnings improvement.
- Expansion of Residential Mortgage Business: As part of its strategic turnaround, Flagstar Bank is focusing on growing its residential mortgage business. This initiative is aimed at diversifying its loan portfolio and contributing to overall revenue generation.
- Strategic Geographic Expansion and Diversified Financial Services: Flagstar Bank operates a substantial network of over 400 branches across 10 states, with a strong presence in the Northeast and Midwest. The bank is also strategically expanding into high-growth markets in the Southeast and West Coast, aiming to broaden its customer base and market reach by offering a range of consumer, small business, commercial, and private banking services. This geographic and service diversification is expected to attract new customers and drive loan and deposit growth.
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Inbound Investments
- Flagstar Bancorp, Inc. was acquired by New York Community Bancorp, Inc. on December 1, 2022, for a deal value of $2.0 billion.
- As part of the acquisition, Flagstar shareholders received 2.17 shares of New York Community Bancorp common stock for each Flagstar share they owned.
- New York Community Bancorp acquired $38.4 billion in assets from the liquidated Signature Bank in March 2023, with 40 of these Signature branches subsequently converted to Flagstar locations.
Capital Expenditures
- Flagstar Bank, N.A. has expanded its physical footprint, operating over 400 locations across ten states by December 31, 2024.
- This expansion includes the conversion of 40 former Signature Bank branches into Flagstar locations in March 2023.
Latest Trefis Analyses
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| ARTICLES |
Trade Ideas
Select ideas related to FLG. For more, see Trefis Trade Ideas.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
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| 11212025 | WU | Western Union | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 14.5% | 14.5% | -0.4% |
| 11212025 | COIN | Coinbase Global | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | -1.5% | -1.5% | -1.5% |
| 11142025 | PYPL | PayPal | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -4.5% | -4.5% | -7.5% |
| 11142025 | V | Visa | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 7.6% | 7.6% | -2.7% |
| 11072025 | WD | Walker & Dunlop | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -11.1% | -11.1% | -12.1% |
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Peer Comparisons for Flagstar Bank NA
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 51.32 |
| Mkt Cap | 158.8 |
| Rev LTM | 56,496 |
| Op Inc LTM | 11,544 |
| FCF LTM | 7,327 |
| FCF 3Y Avg | 7,366 |
| CFO LTM | 8,590 |
| CFO 3Y Avg | 8,697 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 5.2% |
| Rev Chg 3Y Avg | 3.2% |
| Rev Chg Q | 8.3% |
| QoQ Delta Rev Chg LTM | 2.0% |
| Op Mgn LTM | 17.7% |
| Op Mgn 3Y Avg | 16.4% |
| QoQ Delta Op Mgn LTM | 0.1% |
| CFO/Rev LTM | 22.2% |
| CFO/Rev 3Y Avg | 17.1% |
| FCF/Rev LTM | 20.1% |
| FCF/Rev 3Y Avg | 14.2% |
Price Behavior
Price Behavior
| Market Price | $12.77 | |
| Market Cap ($ Bil) | 5.3 | |
| First Trading Date | 11/23/1993 | |
| Distance from 52W High | -5.3% | |
| 50 Days | 200 Days | |
| DMA Price | $11.93 | $11.74 |
| DMA Trend | indeterminate | up |
| Distance from DMA | 7.1% | 8.7% |
| 3M | 1YR | |
| Volatility | 33.9% | 39.4% |
| Downside Capture | 74.51 | 82.63 |
| Upside Capture | 106.80 | 104.34 |
| Correlation (SPY) | 45.1% | 45.1% |
FLG Betas & Captures as of 11/30/2025
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 1.15 | 1.41 | 1.31 | 1.24 | 0.95 | 1.22 |
| Up Beta | 1.29 | 1.46 | 1.82 | 1.79 | 0.71 | 1.02 |
| Down Beta | 0.50 | 2.01 | 1.71 | 1.92 | 1.13 | 1.11 |
| Up Capture | 199% | 131% | 67% | 64% | 98% | 138% |
| Bmk +ve Days | 12 | 25 | 38 | 73 | 141 | 426 |
| Stock +ve Days | 12 | 22 | 31 | 66 | 125 | 362 |
| Down Capture | 78% | 107% | 123% | 87% | 107% | 109% |
| Bmk -ve Days | 7 | 16 | 24 | 52 | 107 | 323 |
| Stock -ve Days | 6 | 18 | 29 | 56 | 117 | 371 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Comparison of FLG With Other Asset Classes (Last 1Y) | |||||||
|---|---|---|---|---|---|---|---|
| FLG | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 41.6% | 16.3% | 17.8% | 72.1% | 8.6% | 4.4% | -8.2% |
| Annualized Volatility | 39.0% | 19.0% | 19.4% | 19.3% | 15.2% | 17.0% | 35.0% |
| Sharpe Ratio | 0.97 | 0.67 | 0.72 | 2.70 | 0.34 | 0.09 | -0.08 |
| Correlation With Other Assets | 48.4% | 45.0% | -4.2% | 16.7% | 44.7% | 25.1% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Based On 5-Year Data
| Comparison of FLG With Other Asset Classes (Last 5Y) | |||||||
|---|---|---|---|---|---|---|---|
| FLG | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | -12.9% | 16.1% | 14.7% | 18.7% | 11.5% | 4.6% | 30.8% |
| Annualized Volatility | 53.5% | 18.9% | 17.1% | 15.5% | 18.7% | 18.9% | 48.6% |
| Sharpe Ratio | -0.05 | 0.71 | 0.70 | 0.97 | 0.50 | 0.16 | 0.57 |
| Correlation With Other Assets | 42.1% | 33.5% | 1.0% | 9.6% | 30.5% | 10.3% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Comparison of FLG With Other Asset Classes (Last 10Y) | |||||||
|---|---|---|---|---|---|---|---|
| FLG | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | -8.5% | 13.2% | 14.8% | 15.3% | 7.0% | 5.3% | 69.2% |
| Annualized Volatility | 43.5% | 22.3% | 18.0% | 14.7% | 17.6% | 20.8% | 55.8% |
| Sharpe Ratio | -0.04 | 0.55 | 0.71 | 0.86 | 0.32 | 0.22 | 0.90 |
| Correlation With Other Assets | 48.4% | 38.4% | -3.7% | 13.1% | 35.0% | 9.5% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/24/2025 | 4.8% | -3.1% | -1.8% |
| 7/25/2025 | -5.5% | -6.3% | 4.8% |
| 4/25/2025 | 4.1% | 4.5% | 4.9% |
| 1/30/2025 | 15.2% | 28.0% | 25.0% |
| 10/25/2024 | -8.3% | -12.0% | 1.7% |
| 7/25/2024 | -3.0% | -3.8% | -4.8% |
| 5/1/2024 | 28.3% | 38.5% | 24.9% |
| 1/31/2024 | -37.7% | -59.5% | -53.4% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 13 | 11 | 13 |
| # Negative | 12 | 14 | 12 |
| Median Positive | 8.0% | 4.7% | 12.0% |
| Median Negative | -4.3% | -4.1% | -7.0% |
| Max Positive | 28.3% | 38.5% | 25.0% |
| Max Negative | -37.7% | -59.5% | -53.4% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 9302025 | 11062025 | 10-Q 9/30/2025 |
| 6302025 | 8072025 | 10-Q 6/30/2025 |
| 3312025 | 5092025 | 10-Q 3/31/2025 |
| 12312024 | 3042025 | 10-K 12/31/2024 |
| 9302024 | 11082024 | 10-Q 9/30/2024 |
| 6302024 | 8092024 | 10-Q 6/30/2024 |
| 3312024 | 5102024 | 10-Q 3/31/2024 |
| 12312023 | 3142024 | 10-K 12/31/2023 |
| 9302023 | 11092023 | 10-Q 9/30/2023 |
| 6302023 | 8092023 | 10-Q 6/30/2023 |
| 3312023 | 5102023 | 10-Q 3/31/2023 |
| 12312022 | 3012023 | 10-K 12/31/2022 |
| 9302022 | 11042022 | 10-Q 9/30/2022 |
| 6302022 | 8082022 | 10-Q 6/30/2022 |
| 3312022 | 5092022 | 10-Q 3/31/2022 |
| 12312021 | 2252022 | 10-K 12/31/2021 |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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