Profitability
Weight: 25%
F
1
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 100.7%
- Efficiency Ratio Trend +1.82 pp/yr
FLG
Flagstar Financial, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
⚠ 3 of the last 5 fiscal years showed negative net income — AlphaQuality will not grade above F for persistent unprofitability in a banks, insurers & asset managers business.
Grade overrides the 30.0 pillar composite — hard gates always win.
Capital Efficiency
Weight: 15%
F
6
- 5yr Avg ROE -0.2%
- 5yr Share-Count CAGR 21.9%
Growth Quality
Weight: 15%
C+
58
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 21.6%
- Efficiency Ratio Trend (growth quality check) +1.82 pp/yr
- Revenue-Growth Years (5) 3/5
Cash Generation
Weight: 15%
F
0
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.32
Balance Sheet
Weight: 20%
B
75
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 9.3%
Stability
Weight: 10%
C+
57
- EPS Volatility (σ/μ) 0.19
- Negative-Revenue Years (5) 2/5
- Piotroski F-Score 3
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.5 of 5 gurus held; 1 new buy; 1 added; 2 trimmed.
- Holders
- 5 +1
- Avg Δ position
- +33.6%
- New buys
- 1
- Full exits
- 0