Flagstar Financial, Inc.

Flagstar Financial, Inc.

FLG
Flagstar Financial, Inc.US flagNew York Stock Exchange
14.09
USD
+0.31
- -
5.87BMarket Cap
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
4.98
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
-0.21
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
0.61
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
0.12
Book Value per Share
2.92
3.19
-0.21
0.82
1.5
1.86
2.24
3.24
4.82
6.5
1.87
-2.3
-2.37
-2.35
Tangible Book Value per Share
20.78
21.16
21.7
21.36
23.71
22.88
24.38
25.38
26.6
28.38
25.76
21.7
17.48
17.47
Basic Weighted Avg Shares
146
147
150
162
162
162
155
154
155
161
238
331
415
416
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
2,070
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
44
36
37
35
33
32
27
24
21
23
165
184
148
144
Net Income, GAAP
476
485
-47
495
466
422
395
511
596
650
-79
-1,118
-177
-56
Effective Tax Rate (%)
36.35
37.21
- -
36.25
30.23
24.25
24.47
13.1
26.05
21.31
- -
- -
- -
69.93
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
-2.71
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
7,685
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
8,120
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
116.12
108.33
- -
- -
234.84
143
111.55
113.01
90.44
68.78
-15
- -
- -
- -

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
2,500
4,000
3,501
LT Borrowings
10,682
8,184
7,685
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
503
503
503
Shares Outstanding
416
416
417
Market Capitalization
4,795
5,229
5,474

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
8,485
21,595
7,006
Accounts Receivable, Net
- -
300
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
39
- -
ST Debt
2,500
4,000
3,501
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

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

FRC

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
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

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
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

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
- -
- -
- -
- -

Company Description

APIChat
CEO
Joseph Otting
Full Time Employees
6,993
Sector
Financial Services
Industry
Banks - Regional
Address
102 Duffy Avenue Hicksville NY United States of America 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

APIChat
  • FLAGSTAR BANK, N.A. TO PARTICIPATE AT THE MORGAN STANLEY U.S. FINANCIALS CONFERENCE

  • FLAGSTAR BANK, N.A. TO PARTICIPATE AT THE MORGAN STANLEY U.S. FINANCIALS CONFERENCE

  • Is Flagstar Bank NA (FLG) Overvalued After 3.0% Rally? GF Value Says Overvalued

  • FLAGSTAR BANK EXTENDS JOSEPH OTTING'S TERM AS CEO AND ANNOUNCES EXECUTIVE LEADERSHIP UPDATES

  • Flagstar Bank Touts Turnaround Progress, Eyes Capital Returns as CRE Exposure Falls

  • Flagstar Bank, National Association (FLG) Presents at Barclays 18th Annual Americas Select Conference Transcript

  • Jim Cramer Says 'No' To Flagstar Bank And 'Yes' To This Basic Materials Stock

  • FLAGSTAR BANK, N.A. TO PARTICIPATE AT THE BARCLAYS 18TH ANNUAL AMERICAS SELECT CONFERENCE

  • FLG Q1 Earnings Beat on NII Growth, Stock Dips as Fee Income Falls Y/Y

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

  • Flagstar Bank: Back-To-Back Profitability And Credit Rating Upgrade

  • Flagstar Bank, National Association (FLG) Q1 2026 Earnings Call Transcript

  • Compared to Estimates, Flagstar Bank (FLG) Q1 Earnings: A Look at Key Metrics

  • Flagstar Bank (FLG) Q1 Earnings Surpass Estimates

  • FLAGSTAR BANK POSTS SECOND CONSECUTIVE QUARTER OF PROFITABILITY REPORTING FIRST QUARTER 2026 NET INCOME ATTRIBUTABLE TO COMMON STOCKHOLDERS OF $0.03 PER DILUTED SHARE AND ADJUSTED NET INCOME ATTRIBUTABLE TO COMMON STOCKHOLDERS OF $0.04 PER DILUTED SHARE

  • Flagstar Bank (FLG) Earnings Expected to Grow: Should You Buy?

  • Flagstar Bank, National Association (FLG) Projected to Post Quarterly Earnings on Friday

  • Black Bear Value Partners Q1 2026 - Top 5 Businesses We Own

  • Flagstar Bank, National Association (NYSE:FLG) Given Average Recommendation of “Moderate Buy” by Analysts

  • FLAGSTAR BANK, N.A. TO REPORT FIRST QUARTER 2026 EARNINGS AND HOST CONFERENCE CALL ON APRIL 24TH