Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)50% (Hyper Growth)
EST. PRICE IN 2031
$30.06
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$18.66
29.4% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 11.4x Exit PE.
Valuation Analysis: FLG is currently trading at $13.18, which is considered oversold relative to its 30-day fair value range of $13.33 to $14.10. From a valuation perspective, the stock is trading at a discount (Forward PE: 9.7) compared to its historical average (11.4). Remarkably, the market is currently pricing in an annual earnings decline of 5.1% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, FLG is in a uptrend. The price is currently testing key support at $13.03. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 54/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $16.38 (+24.3%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$13.33 -
$14.10
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
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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.
