Flagstar Bank vs Valley Bank
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KIRAβs take AI analyst
I put Flagstar Bank and Valley Bank side by side, using each oneβs latest annual report. Here is what stands out:
- Flagstar Bank is the larger business, with $2.1B of revenue in fiscal 2025 against $2.0B for Valley Bank.
- Valley Bank grew revenue faster (9.3%, against β19.2%).
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
Flagstar Bank
FLG
1/5
5-year growth
Valley Bank
VLY
4/5
Revenue growthNet marginReturn on equityShare count change
Side by side
Best in the row
| Latest fiscal year | FLG FY25 | VLY FY25 |
|---|---|---|
| Size | ||
| Market cap | $4.2B | $8.0B |
| Revenue | $2.1B | $2.0B |
| Free cash flow | β | β |
| Net income | β$177M | $598M |
| Growth | ||
| Revenue growth | β19.2% | 9.3% |
| 5-year growth | 12.2% | 9.3% |
| Share count change | 25.6% | 8.9% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | β8.6% | 29.5% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | β2.2% | 7.9% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $15.0M | $312M |
| Valuation & quality | ||
| P/E | β | 12.0x |
| Piotroski F-score | β | β |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.