Is FLG or FNB more undervalued in 2026?

CirclFi compares Flagstar Bank, N.A. (FLG) and F.N.B. Corporation (FNB) using 13 institutional-grade valuation models. FLG has a Quality of Company score of 6.3/10 while FNB scores 8.7/10.

Which is a better buy — FLG or FNB?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do FLG and FNB valuations compare?

FLG at $14.17 and FNB at $17.56 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

FLG vs FNB Valuation Comparison 2026 — Intrinsic Value Analysis

FLG

Banks - Regional

Flagstar Bank, N.A.

Quality

6.3

out of 10

Value Trap

SAFE

Price

$14.17

Last close

Models

10/13

Active

FNB

Banks - Regional

F.N.B. Corporation

Quality

8.7

out of 10

Value Trap

SAFE

Price

$17.56

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	FLG Fair Value	FLG Upside	FNB Fair Value	FNB Upside
Bayesian DCF	Intrinsic	$2.96	-79.1%	$7.11	-59.5%
Earnings Power Value	Intrinsic	$43.40	+206.3%	$7.96	-54.6%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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FLG vs FNB — Which Stock Is More Undervalued?

FNB scores higher with a 8.7/10 quality rating vs FLG's 6.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Flagstar Bank, N.A. (FLG) and F.N.B. Corporation (FNB) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

FLG currently trades at $14.17 with a QOC of 6.3/10, while FNB trades at $17.56 with a QOC of 8.7/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).