Flagstar Bank, N.A. — Earnings Quality Grade F
FLG · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 53 days, change +9 days YoY
AR growth -3.8% vs revenue growth -20.2%
Revenue -20.2%, CFFO -310.5%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 86.1% is >2x revenue growth -20.2%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.02. Profits backed by cash
FCF is negative ($-0.2B)
Accruals ratio = 0.0%. Low accruals
Cash $5.9B covers only 48% of debt $12.2B
Balance Sheet Health
Goodwill+Intangibles $0.4B = 5% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -22% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor FLG continuously
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Altman Z-Score — Not Applicable
Flagstar Bank, N.A. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25