FLG vs. EFSC
FLG (Flagstar Financial, Inc.) and EFSC (Enterprise Financial Services Corp) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, FLG returned -6.37%/yr vs 11.06%/yr for EFSC. At a 0.46 correlation, their price movements are largely independent.
Performance
FLG vs. EFSC - Performance Comparison
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Returns By Period
In the year-to-date period, FLG achieves a 16.54% return, which is significantly lower than EFSC's 18.52% return. Over the past 10 years, FLG has underperformed EFSC with an annualized return of -6.37%, while EFSC has yielded a comparatively higher 11.06% annualized return.
FLG
- 1D
- 0.34%
- 1M
- 5.85%
- YTD
- 16.54%
- 6M
- 9.57%
- 1Y
- 27.01%
- 3Y*
- -21.59%
- 5Y*
- -11.81%
- 10Y*
- -6.37%
EFSC
- 1D
- 1.87%
- 1M
- 4.57%
- YTD
- 18.52%
- 6M
- 14.28%
- 1Y
- 22.48%
- 3Y*
- 20.26%
- 5Y*
- 8.33%
- 10Y*
- 11.06%
FLG vs. EFSC - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FLG Flagstar Financial, Inc. | 16.54% | 35.39% | -69.13% | 26.87% | -24.54% | 22.67% | -5.82% | 35.38% | -23.24% | -13.88% |
EFSC Enterprise Financial Services Corp | 18.52% | -2.14% | 29.29% | -6.64% | 6.02% | 36.90% | -25.74% | 29.99% | -15.86% | 6.10% |
Correlation
The correlation between FLG and EFSC is 0.57, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.57 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.55 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.57 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.58 |
Correlation (All Time) Calculated using the full available price history since Jul 15, 2003 | 0.46 |
The correlation between FLG and EFSC shifts across timeframes, from 0.46 (all time) to 0.58 (10 years), reflecting how their relationship changes across market environments.
Fundamentals
FLG:
$6.83B
EFSC:
$2.35B
FLG:
-$0.13
EFSC:
$5.39
FLG:
1.42
EFSC:
2.47
FLG:
0.90
EFSC:
1.21
FLG:
$4.53B
EFSC:
$954.93M
FLG:
$1.90B
EFSC:
$670.18M
FLG:
$29.00M
EFSC:
$290.91M
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Return for Risk
FLG vs. EFSC — Risk / Return Rank
FLG
EFSC
FLG vs. EFSC - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Flagstar Financial, Inc. (FLG) and Enterprise Financial Services Corp (EFSC). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| FLG | EFSC | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.01 | ||
| Sortino ratioReturn per unit of downside risk | +0.03 | ||
| Omega ratioGain probability vs. loss probability | 1.18 | 1.18 | 0.00 |
| Calmar ratioReturn relative to maximum drawdown | 1.64 | 1.48 | +0.16 |
| Martin ratioReturn relative to average drawdown | 3.85 | 3.04 | +0.81 |
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Drawdowns
FLG vs. EFSC - Drawdown Comparison
The maximum FLG drawdown since its inception was -80.11%, roughly equal to the maximum EFSC drawdown of -77.62%. Use the drawdown chart below to compare losses from any high point for FLG and EFSC.
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Drawdown Indicators
| FLG | EFSC | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -80.11% | -77.62% | -2.49% |
Max Drawdown (1Y)Largest decline over 1 year | -17.47% | -15.28% | -2.19% |
Max Drawdown (3Y)Largest decline over 3 years | -80.11% | -25.03% | -55.08% |
Max Drawdown (5Y)Largest decline over 5 years | -80.11% | -38.76% | -41.35% |
Max Drawdown (10Y)Largest decline over 10 years | -80.11% | -57.17% | -22.94% |
Current DrawdownCurrent decline from peak | -62.99% | -0.91% | -62.08% |
Average DrawdownAverage peak-to-trough decline | -26.14% | -26.95% | +0.81% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 7.40% | 7.41% | -0.01% |
Volatility
FLG vs. EFSC - Volatility Comparison
Flagstar Financial, Inc. (FLG) has a higher volatility of 7.31% compared to Enterprise Financial Services Corp (EFSC) at 6.60%. This indicates that FLG's price experiences larger fluctuations and is considered to be riskier than EFSC based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FLG | EFSC | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.31% | 6.60% | +0.71% |
Volatility (6M)Calculated over the trailing 6-month period | 20.47% | 17.34% | +3.13% |
Volatility (1Y)Calculated over the trailing 1-year period | 31.77% | 24.61% | +7.16% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 53.64% | 28.81% | +24.83% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 43.74% | 33.03% | +10.71% |
Dividends
FLG vs. EFSC - Dividend Comparison
FLG's dividend yield for the trailing twelve months is around 0.27%, less than EFSC's 2.05% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
EFSC Enterprise Financial Services Corp | 2.05% | 2.26% | 1.88% | 2.24% | 1.84% | 1.59% | 2.06% | 1.29% | 1.25% | 0.97% | 0.95% | 0.93% |
FLG Flagstar Financial, Inc. | 0.27% | 0.32% | 2.14% | 6.65% | 7.91% | 5.57% | 6.45% | 5.66% | 7.23% | 5.22% | 4.27% | 6.13% |
Financials
FLG vs. EFSC - Financials Comparison
This section allows you to compare key financial metrics between Flagstar Financial, Inc. and Enterprise Financial Services Corp. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
FLG vs. EFSC - Profitability Comparison
FLG - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Flagstar Financial, Inc. reported a gross profit of 498.00M and revenue of 1.04B. Therefore, the gross margin over that period was 47.9%.
EFSC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Enterprise Financial Services Corp reported a gross profit of 177.99M and revenue of 244.18M. Therefore, the gross margin over that period was 72.9%.
FLG - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Flagstar Financial, Inc. reported an operating income of 32.00M and revenue of 1.04B, resulting in an operating margin of 3.1%.
EFSC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Enterprise Financial Services Corp reported an operating income of 62.86M and revenue of 244.18M, resulting in an operating margin of 25.7%.
FLG - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Flagstar Financial, Inc. reported a net income of 21.00M and revenue of 1.04B, resulting in a net margin of 2.0%.
EFSC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Enterprise Financial Services Corp reported a net income of 49.36M and revenue of 244.18M, resulting in a net margin of 20.2%.
Frequently Asked Questions
FLG and EFSC have a correlation of 0.57, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
FLG has higher volatility (7.31%) compared to EFSC (6.60%). In terms of maximum drawdown, FLG dropped -80.11% vs EFSC's -77.62%.
EFSC currently has the higher Sharpe Ratio (0.92 vs 0.91), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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