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TD Cowen issues pessimistic forecast for Flagstar Bank, National Association (NYSE:FLG) stock price. July 27, 2026 Key points. * TD Cowen lowered Flagstar's price target from $18 to $17 while maintaining a "Buy" rating, implying 22.88% upside from the stock's $13.84 price. Analysts overall assign the stock a "Moderate Buy" consensus rating with a $16.79 average target. * Flagstar's latest quarterly results fell short of expectations, with earnings of $0.05 per share versus $0.06 expected and revenue of $512 million versus $540.87 million forecast. * The company authorized a $250 million share-repurchase program, allowing it to buy back up to 4.1% of outstanding shares; institutional investors currently own 67.88% of FLG. * MarketBeat previews the top five stocks to own by August 1st. Flagstar Bank, National Association (NYSE:FLG - Get Free Report) had its target price cut by research analysts at TD Cowen from $18.00 to $17.00 in a research note issued to investors on Monday,Benzinga reports. The brokerage currently has a "buy" rating on the stock. TD Cowen's target price would indicate a potential upside of 22.88% from the stock's current price. Several other research firms have also recently weighed in on FLG. UBS Group assumed coverage on shares of Flagstar Bank, National Association in a research report on Tuesday, July 7th. They set a "buy" rating and a $18.00 price objective for the company. DA Davidson reaffirmed a "buy" rating and set a $17.00 price target on shares of Flagstar Bank, National Association in a research report on Monday. Piper Sandler increased their price target on Flagstar Bank, National Association from $16.50 to $17.50 and gave the stock an "overweight" rating in a report on Friday, June 26th. JPMorgan Chase & Co. boosted their price objective on Flagstar Bank, National Association from $15.50 to $17.00 and gave the company a "neutral" rating in a research note on Wednesday, July 1st. Finally, Cantor Fitzgerald upped their target price on Flagstar Bank, National Association from $16.00 to $17.00 and gave the company an "overweight" rating in a research report on Wednesday, July 15th. Nine equities research analysts have rated the stock with a Buy rating, three have assigned a Hold rating and one has issued a Sell rating to the company. Based on data from MarketBeat.com, the stock presently has a consensus rating of "Moderate Buy" and a consensus price target of $16.79. Flagstar Bank, National Association trading down 0.1%. Shares of FLG traded down $0.01 during mid-day trading on Monday, reaching $13.84. 2,330,423 shares of the company were exchanged, compared to its average volume of 5,021,703. The business has a 50 day simple moving average of $14.51 and a two-hundred day simple moving average of $13.81. The company has a debt-to-equity ratio of 1.43, a quick ratio of 0.97 and a current ratio of 0.97. The stock has a market capitalization of $5.77 billion, a PE ratio of 460.83 and a beta of 1.01. Flagstar Bank, National Association has a 52 week low of $10.57 and a 52 week high of $15.44. Flagstar Bank, National Association (NYSE:FLG - Get Free Report) last announced its earnings results on Friday, July 24th. The company reported $0.05 EPS for the quarter, missing the consensus estimate of $0.06 by ($0.01). The company had revenue of $512.00 million during the quarter, compared to the consensus estimate of $540.87 million. Flagstar Bank, National Association had a net margin of 1.08% and a return on equity of 0.98%. The business's revenue was up 4.0% on a year-over-year basis. During the same quarter in the previous year, the company earned ($0.14) earnings per share. On average, analysts predict that Flagstar Bank, National Association will post 0.43 earnings per share for the current fiscal year. Flagstar Bank, National Association declared that its board has authorized a share repurchase program on Friday, July 24th that permits the company to buyback $250.00 million in outstanding shares. This buyback authorization permits the company to repurchase up to 4.1% of its shares through open market purchases. Shares buyback programs are generally an indication that the company's board believes its shares are undervalued. Institutional investors weigh in on Flagstar Bank, National Association. A number of hedge funds have recently added to or reduced their stakes in FLG. DV Equities LLC bought a new stake in shares of Flagstar Bank, National Association during the fourth quarter valued at approximately $25,000. Fideuram Intesa Sanpaolo Private Banking S.P.A. acquired a new stake in Flagstar Bank, National Association in the 4th quarter valued at $34,000. Litman Gregory Wealth Management LLC bought a new stake in Flagstar Bank, National Association during the 4th quarter valued at $34,000. Advisory Services Network LLC acquired a new position in Flagstar Bank, National Association during the third quarter worth $35,000. Finally, Clayton Financial Group LLC bought a new position in shares of Flagstar Bank, National Association in the fourth quarter valued at $42,000. Institutional investors and hedge funds own 67.88% of the company's stock. About Flagstar Bank, National Association. Flagstar Financial Corporation NYSE: FLG is a bank holding company whose principal subsidiary, Flagstar Bank, provides a range of financial services across the United States. Headquartered in Troy, Michigan, Flagstar combines commercial banking, mortgage lending and servicing, and deposit products to serve individuals, businesses and public entities. As a publicly traded company, Flagstar leverages its banking charter and national mortgage platform to deliver tailored financial solutions through both digital and branch channels. The company's mortgage business is one of the largest residential originators and servicers in the nation, offering retail, wholesale and correspondent lending channels. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. Before you consider Flagstar Bank, National Association, you'll want to hear this. MarketBeat keeps track of Wall Street's top-rated and best performing research analysts and the stocks they recommend to their clients on a daily basis. MarketBeat has identified the five stocks that top analysts are quietly whispering to their clients to buy now before the broader market catches on... and Flagstar Bank, National Association wasn't on the list. While Flagstar Bank, National Association currently has a Moderate Buy rating among analysts, top-rated analysts believe these five stocks are better buys. Learn the basics of options trading and how to use them to boost returns and manage risk with this free report from MarketBeat. Click the link below to get your free copy.

Flagstar Bank shares fell 1.09% in premarket trading after reporting second-quarter results that missed Wall Street expectations. The regional lender posted adjusted earnings of $0.05 per share, below the $0.07 consensus estimate, whilst revenue of $516 million fell short of the expected $541.97 million. Despite the miss, revenue rose 4% year-on-year from $496 million. The bank returned to profitability with adjusted net income of $23 million, compared with a loss of $0.14 per share a year earlier. Total loans grew $562 million to $61 billion, representing annualised growth of 4%. Deposits increased $689 million to $67.5 billion. Flagstar announced a new $250 million share repurchase programme and maintained a Common Equity Tier 1 capital ratio of 13.16%.

Five Star Bank adds four key hires in Palo Alto to support San Francisco Bay Area expansion. Community bank deepens Silicon Valley presence as new team brings decades of experience and extensive local business relationships. July 15, 2026 18:30 ET | Source: Five Star Bank SAN FRANCISCO, July 15, 2026 (GLOBE NEWSWIRE) - Five Star Bancorp (Nasdaq: FSBC) ("Five Star" or the "Company"), a holding company that operates through its wholly owned banking subsidiary, Five Star Bank, today announced the addition of four experienced bankers with deep client relationships in the Palo Alto area. Known as the birthplace of Silicon Valley, Palo Alto remains a global hub for technology, venture capital, and entrepreneurship, and maintains a dense concentration of the region's most active VC firms. Silicon Valley attracted $92 billion in venture capital last year, according to Joint Venture Silicon Valley's 2026 Silicon Valley Index. This density of capital and high-growth companies makes Palo Alto one of the most competitive banking markets, and one where Five Star Bank's high-tech, high-touch, relationship-driven approach to banking is a key differentiator. Five Star Bank strategically recruited local banking professionals in Palo Alto who understand the unique needs of the market they serve and call home. Working at the center of the innovation and commercial business ecosystem, Five Star Bank intends to partner with entrepreneurs, venture and fund managers, real estate operators, and the attorneys and finance leaders who support their growth. "We're not starting from scratch in Palo Alto. Our new team has spent years curating trusted relationships with VC firms and venture-backed companies," said DJ Kurtze, Five Star Bank's Executive Vice President / San Francisco Bay Area Region President. "Thanks to the team's local market knowledge, we believe we can deliver immediate value and bring the high-touch, concierge service that distinguishes Five Star Bank." Key hires include: * Derrick Yee joins as Senior Vice President / Managing Director. Over his 20 years of experience in private banking and wealth management, Yee has served entrepreneurs, venture-backed startups, and VC firms. He most recently served as Senior Vice President / Group Director at Flagstar Private Bank, where he led strategic partnerships and initiatives supporting entrepreneurs, startups, and VC firms. Prior to this, he was a Managing Director at First Republic Bank. * Andrew Liou joins as Senior Vice President / Managing Director. He brings more than 15 years of private banking experience, along with a unique background as a former small business owner and entrepreneur. Prior to Five Star Bank, Liou served as Senior Vice President / Group Director at Flagstar Private Bank, where he helped build its private banking team focused on startup founders, venture-backed executives, and VC funds. Prior to this, he was a Managing Director with First Republic Bank. * Andrew Holtz joins Five Star Bank as Senior Vice President / Managing Director. He has more than 20 years of banking experience serving clients throughout the Bay Area. Holtz served as Senior Vice President / Group Director at Flagstar Private Bank, leading client acquisition and relationship management efforts for emerging funds and technology startups. Prior to this, he was a Senior Relationship Manager with First Republic Bank. * Jonathan Tombo joins Five Star Bank as Vice President / Senior Relationship Manager. He has more than 10 years of banking experience, specializing in customized banking, treasury, and cash management solutions for private equity, VC, and startup ecosystems. At Flagstar Private Bank, Tombo served as Relationship Manager, where he was part of the inaugural Palo Alto team responsible for building the bank's presence in Northern California. In this role, he supported the operational, treasury, and banking needs of private equity, VC, and startup clients. Prior to this, he was a Preferred Banker with First Republic Bank. "No one knows Palo Alto and its business community better than the people who are part of it every day," said James Beckwith, President and CEO of Five Star Bank. "These new hires deepen our ability to serve our existing Bay Area clients while expanding our presence in one of the country's most influential business markets." The Palo Alto team follows a string of expansions for Five Star Bank over the past year. Recent expansions to Lodi, Southern California, and Walnut Creek have solidified its growing footprint across the Golden State. About Five Star Bancorp Five Star is a bank holding company headquartered in Rancho Cordova, California. Five Star operates through its wholly owned banking subsidiary, Five Star Bank. The Bank has ten branches in California, following the opening of a branch in Lodi in July 2026. For more information, visit https://www.fivestarbank.com. Forward-Looking Statements This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements represent plans, estimates, objectives, goals, guidelines, expectations, intentions, projections, and statements of the Company's beliefs concerning future events, business plans, objectives, expected operating results, and the assumptions upon which those statements are based. Forward-looking statements include without limitation, any statement that may predict, forecast, indicate, or imply future results, performance, or achievements, and are typically identified with words such as "may," "could," "should," "will," "would," "believe," "anticipate," "estimate," "expect," "aim," "intend," "plan," or words or phrases of similar meaning. The Company cautions that the forward-looking statements are based largely on the Company's expectations and are subject to a number of known and unknown risks and uncertainties that are subject to change based on factors which are, in many instances, beyond the Company's control. Such forward-looking statements are based on various assumptions (some of which may be beyond the Company's control) and are subject to risks and uncertainties, which change over time, and other factors, which could cause actual results to differ materially from those currently anticipated. New risks and uncertainties may emerge from time to time, and it is not possible for the Company to predict their occurrence or how they will affect the Company. If one or more of the factors affecting the Company's forward-looking information and statements proves incorrect, then the Company's actual results, performance, or achievements could differ materially from those expressed in, or implied by, forward-looking information and statements contained in this press release. Therefore, the Company cautions you not to place undue reliance on the Company's forward-looking information and statements. Important factors that could cause actual results to differ materially from those in the forward-looking statements are set forth in the Company's Annual Report on Form 10-K for the year ended December 31, 2025, and Quarterly Report on Form 10-Q for the three months ended March 31, 2026, in each case under the section entitled "Risk Factors," and other documents filed by the Company with the Securities and Exchange Commission from time to time. The Company disclaims any duty to revise or update the forward-looking statements, whether written or oral, to reflect actual results or changes in the factors affecting the forward-looking statements, except as specifically required by law. Investor Contact: Heather C. Luck, Chief Financial Officer Five Star Bancorp (916) 626-5008 [email protected] Media Contact: Shelley R. Wetton, Chief Marketing Officer Five Star Bancorp (916) 284-7827 [email protected]