Flagstar Bank, National Association
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Flagstar Bank, National Association's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 39% in 3 years, but profit fell: $143 less profit per $100 of extra sales. Lower than 95% of Financial Services companies in United States.
- Shareholder Slice Ratio: Share count rose 83% in 3 years, so each share's slice of the company became smaller. Bigger rise in share count than 91% of Financial Services companies in United States.
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 1 of 3. Less steady than 88% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Less steady than 88% of Financial Services companies in United States.
Growth Efficiency Ratio
−$143Sales grew 39% in 3 years, but profit fell: $143 less profit per $100 of extra sales.
Lower than 95% of Financial Services companies in United States.
Asset Productivity Ratio
+39% / -3%In 3 years sales changed by +39% while total assets changed by -3%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 83% of Financial Services companies in United States.
Tangible Net Worth Ratio
95%Of every $100 of net worth, $95 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 79% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Flagstar Bank, National Association owes $0.91 for every $1 it owns. Flagstar Bank, National Association made a loss in each of the last two years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
381.3Investors pay $381.3 for every $1 of Flagstar Bank, National Association's yearly profit, higher than almost all Financial Services companies in United States.
P/B ratio
0.58The share price is 0.58 times Flagstar Bank, National Association's book value per share, lower than 94% of Financial Services companies in United States.
Market cap
$4.7 BThe total market value of all of Flagstar Bank, National Association's shares at today's price (share price × number of shares), larger than 79% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$8.1 BWhat Flagstar Bank, National Association would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$19.61Net worth divided by the number of shares. The share price of $11.44 is 0.6 times this, which is the P/B above.
Return on equity (ROE)
0.6%Flagstar Bank, National Association earned 0.6% on its shareholders' money over the last year, lower than 85% of Financial Services companies in United States.
Owes vs Owns
0.91×Flagstar Bank, National Association owes $0.91 for every $1 it owns (high), higher than 85% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
0.36%Flagstar Bank, National Association pays 0.36% of its share price as dividends a year, lower than 98% of dividend-paying Financial Services companies in United States.
Revenue growth
-20%Revenue fell 20% in the year to Dec 2025, and grew 12% a year on average over 3 years.
Profit growth
LossFlagstar Bank, National Association made a loss in each of the last two years.
Profit margin
-8.6%Flagstar Bank, National Association lost $9 for every $100 of revenue.
Questions
What is Flagstar Bank, National Association's P/E ratio?
Investors pay $381.3 for every $1 of Flagstar Bank, National Association's yearly profit, higher than almost all Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Flagstar Bank, National Association: $4.7 B ÷ $8.1 B (30 Jun 2026) = 0.6.
What is Flagstar Bank, National Association's return on equity?
Flagstar Bank, National Association earned 0.6% on its shareholders' money over the last year, lower than 85% of Financial Services companies in United States.
How much does Flagstar Bank, National Association owe compared with what it owns?
Flagstar Bank, National Association owes $0.91 for every $1 it owns (high), higher than 85% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Flagstar Bank, National Association pay a dividend?
Yes. Flagstar Bank, National Association pays 0.36% of its share price as dividends a year, lower than 98% of dividend-paying Financial Services companies in United States.
Is Flagstar Bank, National Association's revenue growing?
Revenue fell 20% in the year to Dec 2025, and grew 12% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.