Is FLG stock a Buy, Sell, or Hold?

Based on our analysis, FLG is currently a HOLD with moderate confidence. 📊 HOLD: FLG is fairly valued with market pricing in 3.1% annual growth. Fine to hold or accumulate slowly on dips.

What is the fair value of FLG stock?

Our analysis estimates the fair value range for FLG to be between $12.60 and $13.16. The current price is $13.22.

What is the analyst price target for FLG?

The average Wall Street analyst price target for FLG is $14.13. This implies a potential upside of 4.4% from current levels.

FLG Stock Analysis: Buy, Sell, or Hold?

FLG - Flagstar Financial, Inc.

SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED

$13.22

-0.32 (-2.36%) ▼

HOLD

MODERATE Confidence

Protect Your FLG Gains

Last Updated: January 30, 2026

Earnings: Jan 30, 2026 0d

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Interactive Price Chart (1 Month)

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Bottom Line:
📊 HOLD: FLG is fairly valued with market pricing in 3.1% annual growth. Fine to hold or accumulate slowly on dips.

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 10.0%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$17.29

Based on 7.0% avg growth

INTRINSIC VALUE TODAY

$10.73

Trading above fair value

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 20.3x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: FLG is currently trading at $13.22, which is considered extended relative to its 30-day fair value range of $12.60 to $13.16. The stock's valuation (Forward PE: 22.3) is in line with its historical norms (20.3). At these levels, the market is pricing in 3.1% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.

Technical Outlook: Technically, FLG is in a uptrend. Immediate support is located at $12.58, while resistance sits at $13.83.

Market Sentiment: FLG has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. 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 EXTENDED

Fair Price Range $12.60 - $13.16

Company Quality Score 61/100 (BUY)

Volume Confirmation HIGH

Confidence Score 58.1%

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All Signals

BEARISH: Price extended above range
BULLISH: Strong technical setup (75/100)
BULLISH: High volume confirmation
NEUTRAL: Near Wall St target ($14.13)
NEUTRAL: Market pricing in 3.1% annual earnings growth - fairly valued

Fair Price Analysis

30-Day Fair Range $12.60 - $13.16

Current vs Fair Value EXTENDED

Support & Resistance Levels

Support Level $12.58

Resistance Level $13.83

Current Trend Uptrend

Fundamental Context

Forward P/E (Next Year Est.) 22.28

Wall Street Target $14.13 (+4.4%)

Revenue Growth (YoY) 26.2%

Profit Margin -21.8%

Valuation Premium vs History +3.1% premium

PE vs Historical 22.3 vs 20.3 FAIR

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): +3.1% (market-implied from PE analysis)

1-Year Target $13.96 (+3%)

2-Year Target $14.39 (+6%)

3-Year Target $14.84 (+10%)

3-Yr Target (if PE normalizes) (PE: 22→20) PE COMPRESSION $13.52 (0%)

Earnings growth offset by PE compression

Last updated: January 31, 2026 12:04 AM ET
Data refreshes hourly during market hours. Next update: 1:04 AM

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Technical Signals Check

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Advanced FLG Option Strategies

Professional options setups generated by AI based on today's FLG price and gamma walls.

Iron Condor Bull Call Bear Put Collar

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Tradestie

FLG Stock Analysis: Buy, Sell, or Hold?

FLG - Flagstar Financial, Inc.

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Interactive Price Chart (1 Month)

Long-Term Wealth Forecast (2031)

In-depth Analysis How we analyze

Quick Decision Summary

Protect Your Profits

All Signals

Fair Price Analysis

Support & Resistance Levels

Fundamental Context

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