FLG
FLAGSTAR BANK, NATIONAL ASSOCIATIONData updated: 2026-07-21 (ET) · Current price: $14.83
Business Quality
ROE · Gross Margin · Revenue Growth
ROE
6.7%
Quality threshold: > 15%
Gross Margin
N/A
Quality threshold: > 40%
Rev. Growth (5yr)
-1.0%
Quality threshold: > 5%
Financial Strength
Debt Ratio · Free Cash Flow · Current Ratio
Debt / Equity
6.75
Quality threshold: < 0.5
FCF (5yr avg)
0.3B $
Quality threshold: > 0
Current Ratio
0.00x
Quality threshold: > 1.5
FCF Trend (B USD)
Valuation
Intrinsic Value · Margin of Safety
Owner Earnings
$0.3B
Net Income + D&A - CapEx
Current Price
$14.83
Source: Alpha Vantage
💡 Valuation Note: Intrinsic value based on DCF model, adjustable above. Visit the DCF Calculator for full three-stage valuation.
Buffett-Style Analysis
Reading FLG's numbers through Buffett's four principles
FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) earns a ValueOS Score of 40/100 — a PASS signal. The score blends Business Quality (15/40), Financial Strength (10/30) and Valuation (15/30), each measured against the framework Warren Buffett laid out across six decades of shareholder letters.
Business Quality. Buffett looks for “wonderful businesses” — high returns on equity, pricing power, and durable growth. FLAGSTAR BANK, NATIONAL ASSOCIATION shows a return on equity near 6.7% and a gross margin around 0.0%, with five-year revenue growth of -1.0%. Strong, consistent margins are the footprint of a business that can raise prices without losing customers.
Financial Strength. “Only when the tide goes out do you discover who’s been swimming naked.” FLAGSTAR BANK, NATIONAL ASSOCIATION's debt-to-equity sits at 6.75 and its current ratio is 0.00x. A low debt load and healthy free cash flow give the company the financial fortitude Buffett demands before he ever considers the price.
Valuation & Moat. Our DCF model estimates an intrinsic value of roughly $-23B for FLAGSTAR BANK, NATIONAL ASSOCIATION. Its competitive moat is rated “No Moat” — the durable advantage that lets a great business keep compounding. Price is what you pay; value is what you get, so always weigh this score against the current $14.83 quote.
This analysis is generated from public SEC filings and current market data for educational purposes only. It is not investment advice. Verify all figures and do your own research before making any decision.
Related Concepts
Frequently Asked Questions
What is the ValueOS Score for FLG (FLAGSTAR BANK, NATIONAL ASSOCIATION)?
The ValueOS Score for FLG is 40/100 with a verdict of "PASS". It blends Business Quality (15/40), Financial Strength (10/30) and Valuation (15/30), each scored against Buffett's investing principles.
Is FLG a good investment according to Buffett's criteria?
FLAGSTAR BANK, NATIONAL ASSOCIATION shows a return on equity of 6.7% and a gross margin of 0.0%. Its debt-to-equity ratio is 6.75 and current ratio is 0.00x. A higher ValueOS Score signals stronger alignment with Buffett's preference for durable, low-debt, high-moat businesses — but this is analysis, not investment advice.
Does FLG have an economic moat?
Our Moat Analyzer rates FLG's competitive advantage as "No Moat". A wide moat — pricing power, switching costs, network effects, or cost leadership — is central to Buffett's long-term thesis. Open the Moat Analyzer for the full breakdown.
How is the ValueOS Score calculated?
The score is computed from SEC EDGAR XBRL filings and current market prices: Business Quality (ROE, gross margin, revenue growth), Financial Strength (debt, free cash flow, liquidity) and Valuation (intrinsic value vs. price via DCF). All figures come from public filings, never estimates.
Complete Your Analysis
"Price is what you pay. Value is what you get."
— Warren Buffett