Buy now: trend is bullish (SMA_5 > SMA_20 > SMA_200 + expanding positive MACD), and the fundamental/news backdrop is improving (return to profitability + improving credit).
Hedge funds are aggressively accumulating (+381.3% QoQ buying), reinforcing the bullish setup.
Near-term upside is supported by Street price target increases (clustered around ~$14–$16.50), implying modest-to-decent upside from ~$14.01.
Caveat for entry quality: price is approaching resistance (R1 ~14.15) and RSI is elevated; however, given the “buy now” constraint, the weight of evidence still favors an immediate buy.
SwingMax: Entry signal triggered on 2026-01-08; price is +5.26% since then, and the uptrend remains intact (signal still supportive, though less “early entry” than on trigger day).
Momentum: MACD histogram +0.0903 and expanding → bullish momentum strengthening.
RSI (6): 73.5 → extended/near overbought; suggests upside can continue but pullbacks are more likely than when RSI is mid-range.
Key levels:
Pivot: 13.531 (key decision level)
Resistance: 14.146 (R1) then 14.526 (R2)
Support: 12.916 (S1) then 12.536 (S2)
Pattern-based short-term odds: Similar-pattern model implies ~70% chance of -0.56% next day, but +1.18% next week and +0.83% next month (mild near-term chop, constructive multi-week bias).
Options Data
Bullish
Open Interest Put-Call Ratio
Bullish
Option Volume Put-Call Ratio
Sentiment tilt: Put/Call ratios below 1 (OI=0.84; Volume=0.73) indicate more call interest than puts → moderately bullish positioning.
Positioning size: Call OI 172,339 vs Put OI 145,330 (calls lead).
Volatility: 30D IV 31.72 vs HV 32.39 (IV slightly below realized).
IV percentile/rank: IV percentile 13.15 / IV rank 8.54 → options are relatively cheap vs recent history (less “fear premium”).
Activity: Today’s volume 5,578 is ~67% of 30D average (not a speculative blow-off); open interest today is near typical (~93.9% of 30D avg).
Technical Summary
Sell
4
Buy
10
Positive Catalysts
per news → constructive for 2026 earnings trajectory.
Neutral/Negative Catalysts
→ higher chance of short-term digestion.
Financial Performance
Latest quarter: 2025/Q4
Revenue: $524M, -12.08% YoY (top-line pressure).
Net income: $21M, -110.71% YoY (as provided in snapshot), though the news flow emphasizes a sequential turnaround to profitability versus the prior quarter.
EPS: $0.05, -110.64% YoY (snapshot), but operationally the quarter is framed as a meaningful inflection.
Growth read-through: Despite weak YoY comps in the snapshot, Q4’s profitability rebound + improving C&I activity suggests momentum is improving into 2026 (more “turnaround/inflexion” than steady growth).
Insiders / politicians:
Insiders: Neutral (no significant last-month trend).
Congress trading (90 days): No data available.
Growth
Profitability
Efficiency
Analyst Ratings and Price Target Trends
Recent trend: Broad wave of price target raises following the Q4 report (most updates dated 2026-02-02 to 2026-02-03).
Most bullish:
Citi: Buy, PT to $16.50 (from $16).
DA Davidson: Buy, PT to $16 (credit improving; NII poised to grow in 2026).
Wall Street cons: balance sheet contraction, tempered forward NII outlook, and more “hold/neutral” stances than outright buys from several bank analysts.
People Also Watch
Wall Street analysts forecast FLG stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FLG is 14.3 USD with a low forecast of 13 USD and a high forecast of 16 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
11 Analyst Rating
Wall Street analysts forecast FLG stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FLG is 14.3 USD with a low forecast of 13 USD and a high forecast of 16 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
4 Buy
7 Hold
0 Sell
Moderate Buy
Current: 13.910
Low
13
Averages
14.3
High
16
Current: 13.910
Low
13
Averages
14.3
High
16
UBS
Neutral
maintain
$13 -> $14
AI Analysis
2026-02-04
New
Reason
UBS
Price Target
$13 -> $14
AI Analysis
2026-02-04
New
maintain
Neutral
Reason
UBS raised the firm's price target on Flagstar Financial (FLG) to $14 from $13 and keeps a Neutral rating on the shares. Mid-cap banks have delivered strong results and avoided early Q4 credit concerns, the analyst tells investors in a research note. Investor momentum into regional banks is expected to continue, supported by curve steepening, accelerating loan growth, and M&A activity such as Santander's (SAN) acquisition of Webster (WBS).
Citi
Benjamin Gerlinger
Buy
maintain
$16
2026-02-03
New
Reason
Citi
Benjamin Gerlinger
Price Target
$16
2026-02-03
New
maintain
Buy
Reason
Citi analyst Benjamin Gerlinger raised the firm's price target on Flagstar Financial to $16.50 from $16 and keeps a Buy rating on the shares.
Unlock Full Analyst Thesis， Get the complete breakdown of rating reason for FLG
