Flagstar Financial, Inc. (FLG) 10-Year Financial Performance & Capital Metrics

FLG • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingNortheast Community Banks

AboutFlagstar Financial, Inc. operates as the bank holding company for Flagstar Bank, N.A. that provides banking products and services in the United States. The company's deposit products include interest-bearing checking and money market, savings, non-interest-bearing, and retirement accounts, as well as certificates of deposit. Its loan products comprise multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial and industrial loans; one-to-four family loans; specialty finance loans and leases; warehouse loans; and other loans, such as home equity lines of credit, boat and recreational vehicle indirect lending, point of sale consumer loans, and other consumer loans, including overdraft loans. The company offers cash management products; non-deposit investment and insurance products; and online banking, mobile banking, and bank-by-phone services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as New York Community Bancorp, Inc. and changed its name to Flagstar Financial, Inc. in October 2024. Flagstar Financial, Inc. was founded in 1859 and is headquartered in Hicksville, New York.Show more

Net Interest Income $2.15B -30.1%
Total Revenue $6.38B +5.6%
Net Income -$1.12B -1315.2%
Return on Equity -13.52% -1371.4%
Net Interest Margin 2.15% -20.4%
Efficiency Ratio 44.94% -4.6%
ROA -1.04% -1248.6%
Equity / Assets 8.15% +11.2%
Book Value per Share 24.70 -29.8%
Tangible BV/Share 23.14 -17.0%
Debt/Equity 1.77 -48.4%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 44.9% efficiency ratio
✓Trading at only 0.5x book value

✗Weaknesses

✗Shares diluted 39.0% in last year

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y12.89%

5Y27.58%

3Y53.94%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM79.73%

EPS CAGR

10Y-

5Y-

3Y-

TTM86.21%

ROCE

10Y Avg1.63%

5Y Avg0.84%

3Y Avg-0.74%

Latest-6.03%

Peer Comparison

Northeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
DCOMDime Community Bancshares, Inc.	1.3B	29.73	54.05	0.1%	4.5%	4.02%	7.11%	0.70
EBCEastern Bankshares, Inc.	4.29B	19.08	28.91	91.64%	11.17%	1.3%	6.3%	0.01
LYGLloyds Banking Group plc	80.35B	5.47	21.88	10.79%	11.75%	9.93%		1.76
CFGCitizens Financial Group, Inc.	25.67B	59.78	19.73	1.31%	12.22%	6.6%	7.32%	0.51
PFSProvident Financial Services, Inc.	2.58B	19.73	18.79	63.91%	10.13%	7.51%	16.49%	0.93
CBUCommunity Bank System, Inc.	3.17B	60.12	17.48	24.44%	19.4%	10.34%	7%	0.57
VLYValley National Bancorp	6.5B	11.66	16.90	6.51%	10.65%	6.53%	8.44%	0.50
INDBIndependent Bank Corp.	3.64B	73.49	16.26	6.89%	19.72%	7.76%	5.75%	0.23

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	408.07M	1.29B	1.13B	1.03B	957M	1.1B	1.29B	1.4B	3.08B	2.15B
NII Growth %	-0.64%	2.15%	-0.12%	-0.09%	-0.07%	0.15%	0.17%	0.08%	1.2%	-0.3%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	1.69B	1.67B	1.58B	1.69B	1.8B	1.71B	1.69B	2.09B	5.49B	5.95B
Interest Expense	1.28B	387.49M	452.24M	658.68M	848M	608M	400M	696M	2.41B	3.8B
Loan Loss Provision	-15M	4.18M	37.24M	18.26M	7M	62M	3M	133M	833M	1.09B
Non-Interest Income+	206.8M	151.73M	235.84M	91.56M	84M	61M	61M	86M	556M	432M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	1.9B	1.83B	1.82B	1.78B	1.89B	1.77B	1.75B	2.18B	6.05B	6.38B
Revenue Growth %	-0%	-0.04%	-0%	-0.02%	0.06%	-0.06%	-0.01%	0.24%	1.78%	0.06%
Non-Interest Expense	761.89M	657.8M	660.39M	546.63M	511M	511M	541M	523M	2.85B	2.87B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	-132.01M	777.13M	668.22M	557.67M	523M	588M	806M	826M	-50M	-1.38B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-1.17%	6.89%	-0.14%	-0.17%	-0.06%	0.12%	0.37%	0.02%	-1.06%	-26.56%
Pretax Income+	-132.01M	777.13M	668.22M	557.67M	523M	588M	806M	826M	-50M	-1.38B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	-84.86M	281.73M	202.01M	135.25M	128M	77M	210M	176M	29M	-260M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	-47.16M	495.4M	466.2M	422.42M	395M	511M	596M	650M	-79M	-1.12B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-1.1%	11.51%	-0.06%	-0.09%	-0.06%	0.29%	0.17%	0.09%	-1.12%	-13.15%
Net Income (Continuing)	-47.16M	495.4M	466.2M	422.42M	395M	511M	596M	650M	-79M	-1.12B
EPS (Diluted)+	-0.33	3.04	2.70	2.37	2.31	3.06	3.59	3.77	-0.49	-3.49
EPS Growth %	-1.1%	10.21%	-0.11%	-0.12%	-0.03%	0.32%	0.17%	0.05%	-1.13%	-6.12%
EPS (Basic)	-0.33	3.04	2.70	2.37	2.31	3.06	3.59	3.78	-0.49	-3.49
Diluted Shares Outstanding	149.66M	161.72M	162.36M	162.43M	155.22M	154.43M	154.68M	161.71M	237.88M	330.71M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	537.67M	557.85M	2.53B	1.47B	741.87M	1.95B	2.21B	2.03B	11.47B	15.43B
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	41.85B	40.82B	40.03B	43.9B	45.14B	45.83B	48.57B	76.68B	90.78B	76.27B
Investments Growth %	-0.02%	-0.02%	-0.02%	0.1%	0.03%	0.02%	0.06%	0.58%	0.18%	-0.16%
Long-Term Investments	41.46B	40.53B	37.6B	39.35B	40.51B	41.1B	43.76B	68.06B	81.63B	65.87B
Accounts Receivables	0	0	0	0	0	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	2.44B	2.44B	2.44B	2.44B	2.43B	2.43B	2.43B	2.43B	0	0
Intangible Assets	250.33M	234.17M	6.1M	780K	0	0	0	1.32B	1.74B	514M
PP&E (Net)	322.31M	373.68M	368.65M	346.18M	598.82M	554M	270M	491M	652M	562M
Other Assets	4.42B	3.89B	3.25B	3.22B	3.61B	4B	4.45B	5.51B	6.23B	5.27B
Total Current Assets	1.42B	1.47B	5.46B	6.54B	6.49B	8.22B	8.62B	12.34B	23.81B	27.95B
Total Non-Current Assets	48.9B	47.46B	43.67B	45.36B	47.15B	48.09B	50.91B	77.81B	90.25B	72.21B
Total Assets+	50.32B	48.93B	49.12B	51.9B	53.64B	56.31B	59.53B	90.14B	114.06B	100.16B
Asset Growth %	0.04%	-0.03%	0%	0.06%	0.03%	0.05%	0.06%	0.51%	0.27%	-0.12%
Return on Assets (ROA)	-0%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	-0%	-0.01%
Accounts Payable	0	0	0	0	0	19M	18M	0	0	0
Total Debt+	15.75B	13.67B	12.91B	14.21B	14.84B	16.35B	20.56B	31.66B	28.62B	14.43B
Net Debt	15.21B	13.12B	10.39B	12.73B	14.1B	14.4B	18.35B	29.63B	17.14B	-1B
Long-Term Debt	13.82B	12.02B	12.46B	13.71B	13.76B	15.28B	15.76B	21.33B	21.27B	10.68B
Short-Term Debt	1.93B	1.65B	450M	500M	800M	800M	4.55B	10.32B	7.35B	3.75B
Other Liabilities	207.94M	241.28M	312.98M	271.85M	428.41M	657M	-3.15B	-9.06B	-4.45B	1.7B
Total Current Liabilities	30.35B	30.54B	29.55B	31.26B	32.46B	33.26B	39.63B	69.05B	88.88B	79.62B
Total Non-Current Liabilities	14.03B	12.26B	12.78B	13.98B	14.47B	16.21B	12.86B	12.27B	16.81B	12.37B
Total Liabilities	44.38B	42.8B	42.33B	45.24B	46.93B	49.46B	52.48B	81.32B	105.69B	91.99B
Total Equity+	5.93B	6.12B	6.8B	6.66B	6.71B	6.84B	7.04B	8.82B	8.37B	8.17B
Equity Growth %	0.03%	0.03%	0.11%	-0.02%	0.01%	0.02%	0.03%	0.25%	-0.05%	-0.02%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	-0.01%	0.08%	0.07%	0.06%	0.06%	0.08%	0.09%	0.08%	-0.01%	-0.14%
Book Value per Share	39.65	37.87	41.85	40.97	43.24	44.31	45.54	54.57	35.17	24.70
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	4.85M	4.87M	4.89M	4.9M	4.9M	5M	5M	7M	2M	4M
Additional Paid-in Capital	6.02B	6.05B	6.07B	6.1B	6.12B	6.12B	6.13B	8.13B	8.24B	9.28B
Retained Earnings	-36.57M	128.44M	237.87M	297.2M	342.02M	494M	741M	1.04B	443M	-763M
Accumulated OCI	-57.02M	-56.71M	-15.17M	-87.65M	-32.84M	-25M	-85M	-620M	-599M	-640M
Treasury Stock	-447K	-160K	-7.62M	-162M	-220.72M	-258M	-246M	-237M	-218M	-219M
Preferred Stock	0	0	502.84M	502.84M	502.84M	503M	503M	503M	503M	503M

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	-420.43M	755.65M	1.33B	540.36M	510M	334M	290M	1.03B	263M	86M
Operating CF Growth %	-1.58%	2.8%	0.76%	-0.59%	-0.06%	-0.35%	-0.13%	2.54%	-0.74%	-0.67%
Net Income	-47.16M	495.4M	466.2M	422.42M	395M	511M	596M	650M	-79M	-1.12B
Depreciation & Amortization	36.84M	35.2M	33.01M	32.32M	27M	24M	21M	23M	165M	184M
Deferred Taxes	-31.29M	44.75M	21.44M	23.2M	101M	219M	-13M	-3M	-187M	-411M
Other Non-Cash Items	4.45B	4.47B	1.97B	49.53M	0	72M	-3M	-68M	1.26B	1.33B
Working Capital Changes	-4.86B	-4.32B	-1.2B	-23.37M	-45M	-521M	-342M	395M	-944M	43M
Cash from Investing+	-1.4B	1.22B	1.06B	-4.02B	-2.06B	-1.02B	-2.76B	-6.32B	20.67B	15.45B
Purchase of Investments	-338.05M	-492.61M	-1.18B	-3.29B	-2.5B	-2.51B	-1.8B	-2.24B	-3.05B	-3.44B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	331M	24.9B	0
Other Investing	-2.3B	-1.08B	700.65M	-1.82B	-1.89B	-1.06B	-2.69B	-5.37B	-4.38B	16.46B
Cash from Financing+	1.79B	-1.95B	-418.13M	2.43B	816M	1.9B	2.73B	5.17B	-11.41B	-11.59B
Dividends Paid	-453.98M	-330.81M	-356.77M	-365.89M	-350M	-349M	-349M	-350M	-519M	-88M
Share Repurchases	-7.02M	-8.68M	-18.46M	-163.25M	-75M	-59M	-16M	-24M	-12M	-11M
Stock Issued	629.68M	0	0	0	0	0	0	0	0	1B
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	-1000K	1000K	1000K	1000K	1000K	-1000K	-1000K	-1000K
Other Financing	100.51M	461.14M	214.26M	1.66B	893M	780M	2.62B	7.47B	-10.8B	-5.64B
Net Change in Cash+	-26.48M	20.18M	1.97B	-1.05B	-733M	1.21B	263M	-129M	9.53B	3.95B
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	564.15M	537.67M	557.85M	2.53B	1.48B	742M	1.95B	2.21B	2.08B	11.61B
Cash at End	537.67M	557.85M	2.53B	1.47B	742M	1.95B	2.21B	2.08B	11.61B	15.56B
Interest Paid	540.82M	382.13M	447.48M	645.59M	813M	633M	402M	657M	2.29B	3.69B
Income Taxes Paid	187.61M	180.24M	217.68M	44.12M	76M	118M	471M	17M	54M	33M
Free Cash Flow+	-455.23M	671.47M	1.3B	530.51M	510M	334M	286M	1.02B	197M	50M
FCF Growth %	-1.7%	2.48%	0.93%	-0.59%	-0.04%	-0.35%	-0.14%	2.58%	-0.81%	-0.75%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	-0.8%	8.22%	7.22%	6.28%	5.91%	7.54%	8.58%	8.19%	-0.92%	-13.52%
Return on Assets (ROA)	-0.1%	1%	0.95%	0.84%	0.75%	0.93%	1.03%	0.87%	-0.08%	-1.04%
Net Interest Margin	0.81%	2.63%	2.3%	1.99%	1.78%	1.95%	2.17%	1.55%	2.7%	2.15%
Efficiency Ratio	40.13%	36.01%	36.32%	30.69%	27.05%	28.89%	30.91%	24.01%	47.13%	44.94%
Equity / Assets	11.79%	12.52%	13.83%	12.82%	12.51%	12.15%	11.83%	9.79%	7.34%	8.15%
Book Value / Share	39.65	37.87	41.85	40.97	43.24	44.31	45.54	54.57	35.17	24.7
NII Growth	-64.22%	215.48%	-12.22%	-8.76%	-7.18%	14.94%	17.18%	8.3%	120.42%	-30.09%
Dividend Payout	-	66.78%	71.25%	78.85%	80.25%	61.84%	53.02%	48.77%	-	-

Frequently Asked Questions

Growth & Financials

Flagstar Financial, Inc. (FLG) grew revenue by 5.6% over the past year. This is steady growth.

Flagstar Financial, Inc. (FLG) reported a net loss of $638.0M for fiscal year 2024.

Dividend & Returns

Yes, Flagstar Financial, Inc. (FLG) pays a dividend with a yield of 1.25%. This makes it attractive for income-focused investors.

Flagstar Financial, Inc. (FLG) has a return on equity (ROE) of -13.5%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Flagstar Financial, Inc. (FLG) has a net interest margin (NIM) of 2.1%. NIM has been under pressure due to interest rate environment.

Flagstar Financial, Inc. (FLG) has an efficiency ratio of 44.9%. This is excellent, indicating strong cost control.

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Flagstar Financial, Inc. (FLG) 10-Year Financial Performance & Capital Metrics

FLG • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingNortheast Community Banks

Net Interest Income $2.15B -30.1%
Total Revenue $6.38B +5.6%
Net Income -$1.12B -1315.2%
Return on Equity -13.52% -1371.4%
Net Interest Margin 2.15% -20.4%
Efficiency Ratio 44.94% -4.6%
ROA -1.04% -1248.6%
Equity / Assets 8.15% +11.2%
Book Value per Share 24.70 -29.8%
Tangible BV/Share 23.14 -17.0%
Debt/Equity 1.77 -48.4%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 44.9% efficiency ratio
✓Trading at only 0.5x book value

✗Weaknesses

✗Shares diluted 39.0% in last year

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y12.89%

5Y27.58%

3Y53.94%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM79.73%

EPS CAGR

10Y-

5Y-

3Y-

TTM86.21%

ROCE

10Y Avg1.63%

5Y Avg0.84%

3Y Avg-0.74%

Latest-6.03%

Peer Comparison

Northeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
DCOMDime Community Bancshares, Inc.	1.3B	29.73	54.05	0.1%	4.5%	4.02%	7.11%	0.70
EBCEastern Bankshares, Inc.	4.29B	19.08	28.91	91.64%	11.17%	1.3%	6.3%	0.01
LYGLloyds Banking Group plc	80.35B	5.47	21.88	10.79%	11.75%	9.93%		1.76
CFGCitizens Financial Group, Inc.	25.67B	59.78	19.73	1.31%	12.22%	6.6%	7.32%	0.51
PFSProvident Financial Services, Inc.	2.58B	19.73	18.79	63.91%	10.13%	7.51%	16.49%	0.93
CBUCommunity Bank System, Inc.	3.17B	60.12	17.48	24.44%	19.4%	10.34%	7%	0.57
VLYValley National Bancorp	6.5B	11.66	16.90	6.51%	10.65%	6.53%	8.44%	0.50
INDBIndependent Bank Corp.	3.64B	73.49	16.26	6.89%	19.72%	7.76%	5.75%	0.23

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	408.07M	1.29B	1.13B	1.03B	957M	1.1B	1.29B	1.4B	3.08B	2.15B
NII Growth %	-0.64%	2.15%	-0.12%	-0.09%	-0.07%	0.15%	0.17%	0.08%	1.2%	-0.3%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	1.69B	1.67B	1.58B	1.69B	1.8B	1.71B	1.69B	2.09B	5.49B	5.95B
Interest Expense	1.28B	387.49M	452.24M	658.68M	848M	608M	400M	696M	2.41B	3.8B
Loan Loss Provision	-15M	4.18M	37.24M	18.26M	7M	62M	3M	133M	833M	1.09B
Non-Interest Income+	206.8M	151.73M	235.84M	91.56M	84M	61M	61M	86M	556M	432M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	1.9B	1.83B	1.82B	1.78B	1.89B	1.77B	1.75B	2.18B	6.05B	6.38B
Revenue Growth %	-0%	-0.04%	-0%	-0.02%	0.06%	-0.06%	-0.01%	0.24%	1.78%	0.06%
Non-Interest Expense	761.89M	657.8M	660.39M	546.63M	511M	511M	541M	523M	2.85B	2.87B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	-132.01M	777.13M	668.22M	557.67M	523M	588M	806M	826M	-50M	-1.38B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-1.17%	6.89%	-0.14%	-0.17%	-0.06%	0.12%	0.37%	0.02%	-1.06%	-26.56%
Pretax Income+	-132.01M	777.13M	668.22M	557.67M	523M	588M	806M	826M	-50M	-1.38B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	-84.86M	281.73M	202.01M	135.25M	128M	77M	210M	176M	29M	-260M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	-47.16M	495.4M	466.2M	422.42M	395M	511M	596M	650M	-79M	-1.12B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-1.1%	11.51%	-0.06%	-0.09%	-0.06%	0.29%	0.17%	0.09%	-1.12%	-13.15%
Net Income (Continuing)	-47.16M	495.4M	466.2M	422.42M	395M	511M	596M	650M	-79M	-1.12B
EPS (Diluted)+	-0.33	3.04	2.70	2.37	2.31	3.06	3.59	3.77	-0.49	-3.49
EPS Growth %	-1.1%	10.21%	-0.11%	-0.12%	-0.03%	0.32%	0.17%	0.05%	-1.13%	-6.12%
EPS (Basic)	-0.33	3.04	2.70	2.37	2.31	3.06	3.59	3.78	-0.49	-3.49
Diluted Shares Outstanding	149.66M	161.72M	162.36M	162.43M	155.22M	154.43M	154.68M	161.71M	237.88M	330.71M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	537.67M	557.85M	2.53B	1.47B	741.87M	1.95B	2.21B	2.03B	11.47B	15.43B
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	41.85B	40.82B	40.03B	43.9B	45.14B	45.83B	48.57B	76.68B	90.78B	76.27B
Investments Growth %	-0.02%	-0.02%	-0.02%	0.1%	0.03%	0.02%	0.06%	0.58%	0.18%	-0.16%
Long-Term Investments	41.46B	40.53B	37.6B	39.35B	40.51B	41.1B	43.76B	68.06B	81.63B	65.87B
Accounts Receivables	0	0	0	0	0	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	2.44B	2.44B	2.44B	2.44B	2.43B	2.43B	2.43B	2.43B	0	0
Intangible Assets	250.33M	234.17M	6.1M	780K	0	0	0	1.32B	1.74B	514M
PP&E (Net)	322.31M	373.68M	368.65M	346.18M	598.82M	554M	270M	491M	652M	562M
Other Assets	4.42B	3.89B	3.25B	3.22B	3.61B	4B	4.45B	5.51B	6.23B	5.27B
Total Current Assets	1.42B	1.47B	5.46B	6.54B	6.49B	8.22B	8.62B	12.34B	23.81B	27.95B
Total Non-Current Assets	48.9B	47.46B	43.67B	45.36B	47.15B	48.09B	50.91B	77.81B	90.25B	72.21B
Total Assets+	50.32B	48.93B	49.12B	51.9B	53.64B	56.31B	59.53B	90.14B	114.06B	100.16B
Asset Growth %	0.04%	-0.03%	0%	0.06%	0.03%	0.05%	0.06%	0.51%	0.27%	-0.12%
Return on Assets (ROA)	-0%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	-0%	-0.01%
Accounts Payable	0	0	0	0	0	19M	18M	0	0	0
Total Debt+	15.75B	13.67B	12.91B	14.21B	14.84B	16.35B	20.56B	31.66B	28.62B	14.43B
Net Debt	15.21B	13.12B	10.39B	12.73B	14.1B	14.4B	18.35B	29.63B	17.14B	-1B
Long-Term Debt	13.82B	12.02B	12.46B	13.71B	13.76B	15.28B	15.76B	21.33B	21.27B	10.68B
Short-Term Debt	1.93B	1.65B	450M	500M	800M	800M	4.55B	10.32B	7.35B	3.75B
Other Liabilities	207.94M	241.28M	312.98M	271.85M	428.41M	657M	-3.15B	-9.06B	-4.45B	1.7B
Total Current Liabilities	30.35B	30.54B	29.55B	31.26B	32.46B	33.26B	39.63B	69.05B	88.88B	79.62B
Total Non-Current Liabilities	14.03B	12.26B	12.78B	13.98B	14.47B	16.21B	12.86B	12.27B	16.81B	12.37B
Total Liabilities	44.38B	42.8B	42.33B	45.24B	46.93B	49.46B	52.48B	81.32B	105.69B	91.99B
Total Equity+	5.93B	6.12B	6.8B	6.66B	6.71B	6.84B	7.04B	8.82B	8.37B	8.17B
Equity Growth %	0.03%	0.03%	0.11%	-0.02%	0.01%	0.02%	0.03%	0.25%	-0.05%	-0.02%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	-0.01%	0.08%	0.07%	0.06%	0.06%	0.08%	0.09%	0.08%	-0.01%	-0.14%
Book Value per Share	39.65	37.87	41.85	40.97	43.24	44.31	45.54	54.57	35.17	24.70
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	4.85M	4.87M	4.89M	4.9M	4.9M	5M	5M	7M	2M	4M
Additional Paid-in Capital	6.02B	6.05B	6.07B	6.1B	6.12B	6.12B	6.13B	8.13B	8.24B	9.28B
Retained Earnings	-36.57M	128.44M	237.87M	297.2M	342.02M	494M	741M	1.04B	443M	-763M
Accumulated OCI	-57.02M	-56.71M	-15.17M	-87.65M	-32.84M	-25M	-85M	-620M	-599M	-640M
Treasury Stock	-447K	-160K	-7.62M	-162M	-220.72M	-258M	-246M	-237M	-218M	-219M
Preferred Stock	0	0	502.84M	502.84M	502.84M	503M	503M	503M	503M	503M

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	-420.43M	755.65M	1.33B	540.36M	510M	334M	290M	1.03B	263M	86M
Operating CF Growth %	-1.58%	2.8%	0.76%	-0.59%	-0.06%	-0.35%	-0.13%	2.54%	-0.74%	-0.67%
Net Income	-47.16M	495.4M	466.2M	422.42M	395M	511M	596M	650M	-79M	-1.12B
Depreciation & Amortization	36.84M	35.2M	33.01M	32.32M	27M	24M	21M	23M	165M	184M
Deferred Taxes	-31.29M	44.75M	21.44M	23.2M	101M	219M	-13M	-3M	-187M	-411M
Other Non-Cash Items	4.45B	4.47B	1.97B	49.53M	0	72M	-3M	-68M	1.26B	1.33B
Working Capital Changes	-4.86B	-4.32B	-1.2B	-23.37M	-45M	-521M	-342M	395M	-944M	43M
Cash from Investing+	-1.4B	1.22B	1.06B	-4.02B	-2.06B	-1.02B	-2.76B	-6.32B	20.67B	15.45B
Purchase of Investments	-338.05M	-492.61M	-1.18B	-3.29B	-2.5B	-2.51B	-1.8B	-2.24B	-3.05B	-3.44B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	331M	24.9B	0
Other Investing	-2.3B	-1.08B	700.65M	-1.82B	-1.89B	-1.06B	-2.69B	-5.37B	-4.38B	16.46B
Cash from Financing+	1.79B	-1.95B	-418.13M	2.43B	816M	1.9B	2.73B	5.17B	-11.41B	-11.59B
Dividends Paid	-453.98M	-330.81M	-356.77M	-365.89M	-350M	-349M	-349M	-350M	-519M	-88M
Share Repurchases	-7.02M	-8.68M	-18.46M	-163.25M	-75M	-59M	-16M	-24M	-12M	-11M
Stock Issued	629.68M	0	0	0	0	0	0	0	0	1B
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	-1000K	1000K	1000K	1000K	1000K	-1000K	-1000K	-1000K
Other Financing	100.51M	461.14M	214.26M	1.66B	893M	780M	2.62B	7.47B	-10.8B	-5.64B
Net Change in Cash+	-26.48M	20.18M	1.97B	-1.05B	-733M	1.21B	263M	-129M	9.53B	3.95B
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	564.15M	537.67M	557.85M	2.53B	1.48B	742M	1.95B	2.21B	2.08B	11.61B
Cash at End	537.67M	557.85M	2.53B	1.47B	742M	1.95B	2.21B	2.08B	11.61B	15.56B
Interest Paid	540.82M	382.13M	447.48M	645.59M	813M	633M	402M	657M	2.29B	3.69B
Income Taxes Paid	187.61M	180.24M	217.68M	44.12M	76M	118M	471M	17M	54M	33M
Free Cash Flow+	-455.23M	671.47M	1.3B	530.51M	510M	334M	286M	1.02B	197M	50M
FCF Growth %	-1.7%	2.48%	0.93%	-0.59%	-0.04%	-0.35%	-0.14%	2.58%	-0.81%	-0.75%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	-0.8%	8.22%	7.22%	6.28%	5.91%	7.54%	8.58%	8.19%	-0.92%	-13.52%
Return on Assets (ROA)	-0.1%	1%	0.95%	0.84%	0.75%	0.93%	1.03%	0.87%	-0.08%	-1.04%
Net Interest Margin	0.81%	2.63%	2.3%	1.99%	1.78%	1.95%	2.17%	1.55%	2.7%	2.15%
Efficiency Ratio	40.13%	36.01%	36.32%	30.69%	27.05%	28.89%	30.91%	24.01%	47.13%	44.94%
Equity / Assets	11.79%	12.52%	13.83%	12.82%	12.51%	12.15%	11.83%	9.79%	7.34%	8.15%
Book Value / Share	39.65	37.87	41.85	40.97	43.24	44.31	45.54	54.57	35.17	24.7
NII Growth	-64.22%	215.48%	-12.22%	-8.76%	-7.18%	14.94%	17.18%	8.3%	120.42%	-30.09%
Dividend Payout	-	66.78%	71.25%	78.85%	80.25%	61.84%	53.02%	48.77%	-	-

Frequently Asked Questions

Growth & Financials

Flagstar Financial, Inc. (FLG) grew revenue by 5.6% over the past year. This is steady growth.

Flagstar Financial, Inc. (FLG) reported a net loss of $638.0M for fiscal year 2024.

Dividend & Returns

Yes, Flagstar Financial, Inc. (FLG) pays a dividend with a yield of 1.25%. This makes it attractive for income-focused investors.

Flagstar Financial, Inc. (FLG) has a return on equity (ROE) of -13.5%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Flagstar Financial, Inc. (FLG) has a net interest margin (NIM) of 2.1%. NIM has been under pressure due to interest rate environment.

Flagstar Financial, Inc. (FLG) has an efficiency ratio of 44.9%. This is excellent, indicating strong cost control.