What 4 Analyst Ratings Have To Say About Flagstar Financial

Providing a diverse range of perspectives from bullish to bearish, 4 analysts have published ratings on Flagstar Financial FLG in the last three months.

The following table summarizes their recent ratings, shedding light on the changing sentiments within the past 30 days and comparing them to the preceding months.

The 12-month price targets, analyzed by analysts, offer insights with an average target of $12.12, a high estimate of $13.00, and a low estimate of $11.50. This current average has decreased by 4.34% from the previous average price target of $12.67.

Decoding Analyst Ratings: A Detailed Look

A comprehensive examination of how financial experts perceive Flagstar Financial is derived from recent analyst actions. The following is a detailed summary of key analysts, their recent evaluations, and adjustments to ratings and price targets.

Key Insights:

• Action Taken: Analysts adapt their recommendations to changing market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their response to recent developments related to Flagstar Financial. This information provides a snapshot of how analysts perceive the current state of the company.
• Rating: Analysts assign qualitative assessments to stocks, ranging from 'Outperform' to 'Underperform'. These ratings convey the analysts' expectations for the relative performance of Flagstar Financial compared to the broader market.
• Price Targets: Understanding forecasts, analysts offer estimates for Flagstar Financial's future value. Examining the current and prior targets provides insight into analysts' changing expectations.

For valuable insights into Flagstar Financial's market performance, consider these analyst evaluations alongside crucial financial indicators. Stay well-informed and make prudent decisions using our Ratings Table.

Stay up to date on Flagstar Financial analyst ratings.

All You Need to Know About Flagstar Financial

Flagstar Financial Inc operates over 400 branches, including a presence in the Northeast and Midwest and locations in high-growth markets in the Southeast and West Coast. In addition, the Bank has approximately 90 private banking teams located in over 10 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.

Financial Insights: Flagstar Financial

Market Capitalization Analysis: Below industry benchmarks, the company's market capitalization reflects a smaller scale relative to peers. This could be attributed to factors such as growth expectations or operational capacity.

Revenue Growth: Flagstar Financial's revenue growth over a period of 3 months has faced challenges. As of 30 September, 2024, the company experienced a revenue decline of approximately -40.21%. This indicates a decrease in the company's top-line earnings. As compared to competitors, the company encountered difficulties, with a growth rate lower than the average among peers in the Financials sector.

Net Margin: Flagstar Financial's net margin lags behind industry averages, suggesting challenges in maintaining strong profitability. With a net margin of -46.39%, the company may face hurdles in effective cost management.

Return on Equity (ROE): Flagstar Financial's ROE is below industry standards, pointing towards difficulties in efficiently utilizing equity capital. With an ROE of -3.62%, the company may encounter challenges in delivering satisfactory returns for shareholders.

Return on Assets (ROA): Flagstar Financial's ROA is below industry averages, indicating potential challenges in efficiently utilizing assets. With an ROA of -0.25%, the company may face hurdles in achieving optimal financial returns.

Debt Management: Flagstar Financial's debt-to-equity ratio is notably higher than the industry average. With a ratio of 2.51, the company relies more heavily on borrowed funds, indicating a higher level of financial risk.

Analyst Ratings: What Are They?

Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.

Analysts may enhance their evaluations by incorporating forecasts for metrics like growth estimates, earnings, and revenue, delivering additional guidance to investors. It is vital to acknowledge that, although experts in stocks and sectors, analysts are human and express their opinions when providing insights.

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This article was generated by Benzinga's automated content engine and reviewed by an editor.