Flagstar Bank, N.A.

Flagstar Bank, N.A.

10.52
USD
-0.08
(-0.75%)
0.11EPS
414.42P/E
6.23BMarket Cap
Jan 29Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
9.39
9.23
4.11
8.9
8.41
6.91
6.71
7.53
8.73
9.19
15.27
7.81
4.96
- -
Basic EPS, GAAP
3.25
3.3
-0.32
3.06
2.72
2.4
2.33
3.1
3.64
3.83
-0.47
-3.49
-0.51
- -
Free Cash Flow per Basic Share
9.14
4.41
-3.04
4.15
8
3.27
3.29
2.17
1.85
6.35
0.83
0.26
-0.44
- -
Dividend per Share
3.01
3.01
3.03
2.05
2.2
2.25
2.26
2.26
2.26
2.17
2.18
0.27
0.12
0.09
Book Value per Share
39.03
39.19
36.71
37.72
38.64
38.98
39.86
40.99
42.2
36.64
32.67
18.47
18.37
- -
Tangible Book Value per Share
20.7
21.08
20.09
21.27
23.65
23.54
24.28
25.3
26.55
20.15
25.46
17.29
17.45
- -
Basic Weighted Avg Shares
146
147
150
162
162
162
155
154
155
161
238
331
415
415
Sales/Revenue/Turnover
1,375
1,357
615
1,439
1,366
1,123
1,041
1,161
1,350
1,482
3,633
2,584
2,062
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
44
36
37
35
33
32
27
24
21
23
165
184
148
- -
Net Income, GAAP
476
485
-47
495
466
422
395
511
596
650
-79
-1,118
-177
- -
Effective Tax Rate (%)
36.35
37.21
- -
36.25
30.23
24.25
24.47
13.1
26.05
21.31
- -
- -
- -
- -
Profit Margin (%)
34.58
35.77
-7.67
34.42
34.13
37.63
37.94
44.01
44.15
43.86
-2.17
-43.27
-8.58
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
11,231
10,541
13,822
12,023
12,464
13,708
14,044
15,551
15,762
21,332
21,267
11,676
8,184
- -
Total Equity
5,736
5,782
5,935
6,124
6,795
6,655
6,712
6,842
7,044
8,824
8,367
8,167
8,143
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
2.99
2.92
- -
2.61
2.49
2.13
1.92
2.37
2.44
1.94
- -
- -
- -
- -
Return on Common Equity (%)
8.35
8.43
-0.8
8.22
7.11
6.26
5.86
7.62
8.74
8.3
-1.38
-14.85
-2.74
- -

Capital Structure

USD

•

in mil. unless spec.
Mar'26
Jun'26
Sep'26
ST Debt
3,501
4,251
- -
LT Borrowings
7,685
6,686
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
503
503
- -
Shares Outstanding
417
417
401
Market Capitalization
5,489
6,230
4,675

Working Capital

USD

•

in mil. unless spec.
Mar'26
Jun'26
Sep'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
7,006
5,108
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
3,501
4,251
- -
Deferred Revenue
- -
- -
- -

Growth Rates

USD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.52%
4.07%
-0.29%
Free Cash Flow
-45.58%
-40.85%
-310.47%
Net Income, GAAP
0.16%
228.91%
-84.17%
Sales/Revenue/Turnover
23.76%
24.43%
-20.2%
Total Cash Common Dividend
- -
- -
-71.7%

Quarterly Revenue

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
754
671
623
536
2,584
2025
490
496
519
557
2,062
2026
498
516
- -
- -
- -

Quarterly Earnings Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
-1.36
-1.14
-0.79
-0.47
-3.49
2025
-0.26
-0.19
-0.11
0.05
-0.51
2026
0.03
0.06
- -
- -
- -

Quarterly Dividends Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.17
0.07
0.03
0.03
0.27
2025
0.03
0.03
0.03
0.03
0.12
2026
0.03
0.03
- -
- -
- -

Company Description

CEO
Joseph M. Otting
Full Time Employees
5,631
Sector
Finance
Industry
Major banks
Address
102 Duffy Avenue Hicksville NY United States 11801
IPO Date
Nov 23, 1993
Business
Flagstar Financial, Inc. (NYSE: FLG) is a regional financial services holding company and the parent of Flagstar Bank, N.A., which provides a comprehensive range of consumer, commercial, and private banking products and services across the United States. Flagstar Bank offers deposit products including interest-bearing checking and money market accounts, savings accounts, non-interest-bearing checking accounts, and certificates of deposit; loan products such as multi-family loans, commercial real estate loans, acquisition, development and construction loans, commercial and industrial loans, one-to-four family residential mortgages, specialty finance loans and leases, warehouse lending facilities for mortgage originators, home equity lines of credit, and other consumer loans; treasury management and online banking services via Flagstar Corporate Connect; private banking for high-net-worth individuals; investment and wealth management services; credit cards; mortgage origination and servicing; and non-deposit investment and insurance products delivered through approximately 360 branches in nine states, digital platforms, ATMs, and a national mortgage division. The bank maintains strong footholds in the Northeast (particularly the New York/New Jersey metropolitan area), upper Midwest (including Michigan), Southeast (notably Florida), and West Coast markets including California, with specialized focus on multi-family lending for rent-regulated properties in New York City, commercial real estate financing for income-producing properties, and a national warehouse lending platform serving around 3,000 third-party mortgage originators. Founded in 1859 as Queens County Savings Bank—the first savings bank chartered in New York City's Queens Borough—and headquartered in Hicksville, New York, the company has expanded through organic growth and strategic transactions, including its public listing in 1993, the completion of its merger with Flagstar Bancorp, Inc. in December 2022, and the FDIC-assisted acquisition of substantial portions of the former Signature Bank in March 2023. Recent developments include a $1.05 billion capital raise in March 2024 to bolster its balance sheet amid regulatory requirements for institutions over $100 billion in assets; the receipt of Office of the Comptroller of the Currency approvals in October 2025 for a reorganization merging the holding company into Flagstar Bank, N.A. with the bank as the surviving entity; a full rebranding of acquired branches to the Flagstar name completed on February 21, 2024; and an ongoing multi-phase branch restructuring and cost-reduction initiative as of 2025 to optimize its network of over 400 locations. As of June 30, 2025, Flagstar Financial reports total assets of $92.2 billion, loans of $64.4 billion, deposits of $69.7 billion, and stockholders' equity of $8.1 billion, operating under oversight from the Office of the Comptroller of the Currency and Federal Reserve with FDIC-insured deposits.

Company News

  • Flagstar: 3 Key Takeaways for Long-Term Investors

  • FLG Cuts NII & EPS Outlook, Pushes 2027 Profitability Target to 2028

  • FLAGSTAR BANK, N.A. DECLARES QUARTERLY CASH DIVIDENDS ON ITS COMMON STOCK AND PREFERRED STOCKS

  • Flagstar Investigation Notice: SueWallSt Notifies Investors of Pending Investigation Into Flagstar (FLG)

  • Flagstar Financial Analysts Slash Their Forecasts Following Q3 Earnings

  • Flagstar Bank: Living Up To The Value Trap Name

  • Flagstar Bank: High Margin Of Safety, Despite Credit Issues

  • Flagstar Bank, National Association (FLG) Q3 2026 Earnings Call Transcript

  • Flagstar Stock Drops to New 52-Week Low After Mixed Q3 Results

  • What Flagstar Bank, National Association (FLG) Said on Its Q3 Earnings Call

  • Flagstar Bank (FLG) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates

  • Flagstar Bank (FLG) Q3 Earnings and Revenues Miss Estimates

  • FLAGSTAR BANK REPORTS THIRD QUARTER 2026 NET INCOME ATTRIBUTABLE TO COMMON STOCKHOLDERS OF $0.01 PER DILUTED SHARE

  • Flagstar Bank (FLG) Earnings Expected to Grow: What to Know Ahead of Next Week's Release

  • FLAGSTAR BANK, N.A. TO REPORT THIRD QUARTER 2026 EARNINGS AND HOST CONFERENCE CALL ON OCTOBER 23RD

  • Is the Options Market Predicting a Spike in Flagstar Bank Stock?

  • Flagstar Bank, National Association (FLG) Presents at Barclays 24th Annual Global Financial Services Conference Transcript

  • FLAGSTAR BANK, N.A. TO PARTICIPATE AT THE BARCLAYS 24TH ANNUAL GLOBAL FINANCIAL SERVICES CONFERENCE

  • Fiserv and Flagstar Bank Announce Strategic Core Banking Relationship

  • FLAGSTAR PRIVATE BANK ANNOUNCES FULL IMPLEMENTATION OF OPERATING MODEL, EXPANDED LEADERSHIP, AND NEW CLIENT CAPABILITIES