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Flagstar Financial, Inc.(FLG)Earnings, Financials & Key Ratios
FLG•NYSE•Banking & Credit
$14.38
$5.98B mkt cap·Price updated May 6, 2026
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$1.72B-20.0%
- Total Revenue$4.7B-26.5%
- Net Income-$177M+84.2%
- Return on Equity-2.17%+84.0%
- Net Interest Margin1.97%-8.4%
- Efficiency Ratio41.83%-6.9%
- ROA-0.19%+81.9%
- Equity / Assets9.31%+14.1%
- Book Value per Share19.61-20.6%
- Tangible BV/Share18.69-19.2%
- Debt/Equity1.50-15.3%
FLG Key Insights
Flagstar Financial, Inc. (FLG) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 41.8% efficiency ratio
- ✓Trading near 52-week high
- ✓Trading at only 0.7x book value
✗Weaknesses
- ✗Weak NIM of 2.0%
- ✗Shares diluted 25.6% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
FLG Price & Volume
Flagstar Financial, Inc. (FLG) stock price & volume — 10-year historical chart
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FLG Growth Metrics
Flagstar Financial, Inc. (FLG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years9.48%
5 Years21.56%
3 Years29.18%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM84.17%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM86.57%
Return on Capital
10 Years1.65%
5 Years0.21%
3 Years-2.25%
Last Year-0.51%
FLG Recent Earnings
Flagstar Financial, Inc. (FLG) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 5/12 qtrs (42%)●Beat Revenue 4/12 qtrs (33%)
Q2 2026Latest
Apr 24, 2026EPS
$0.04
Est $0.03
+33.3%
Revenue
$498M
Est $553M
-10.0%
Q1 2026
Jan 30, 2026EPS
$0.06
Est $0.02
+200.0%
Revenue
$557M
Est $533M
+4.6%
Q4 2025
Oct 24, 2025EPS
$0.07
Est $0.06
-16.7%
Revenue
$455M
Est $537M
-15.2%
Q3 2025
Jul 25, 2025EPS
$0.14
Est $0.12
-16.7%
Revenue
$496M
Est $557M
-10.9%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 24, 2026 | $0.04vs $0.03+33.3% | $498Mvs $553M-10.0% |
| Q1 2026 | Jan 30, 2026 | $0.06vs $0.02+200.0% | $557Mvs $533M+4.6% |
| Q4 2025 | Oct 24, 2025 | $0.07vs $0.06-16.7% | $455Mvs $537M-15.2% |
| Q3 2025 | Jul 25, 2025 | $0.14vs $0.12-16.7% | $496Mvs $557M-10.9% |
Based on last 12 quarters of dataView full earnings history →
FLG Peer Comparison
Flagstar Financial, Inc. (FLG) competitors in Mortgage originators and servicers — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 WAL | 9.16B | 83.33 | 9.55 | 5.17% | 12.81% | 0.82 | ||
 BANC | 2.99B | 19.39 | 16.43 | -3.31% | 6.56% | 0.85 | ||
 COLB | 7.19B | 30.20 | 13.13 | 8.35% | 8.39% | 0.51 | ||
 PFSI | 4.54B | 86.94 | 9.35 | 173.81% | 12.02% | 5.35 | ||
 RKT | 2.07B | 14.65 | 69.76 | 34.84% | -1.15% | 1.55 | ||
 UWMC | 542.86M | 3.49 | 29.08 | 65.83% | 1.67% | 9.06 | ||
 LDI | 469.04M | 1.40 | -4.67 | 37.59% | -14.5% | 13.05 | ||
 GHLD | 439.06M | 20.01 | 12.83 | 60.87% | 10.27% | 2.42 |
Compare FLG vs Peers
Flagstar Financial, Inc. (FLG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FLG Income Statement
Flagstar Financial, Inc. (FLG) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 1.13B | 1.03B | 957M | 1.1B | 1.29B | 1.4B | 3.08B | 2.15B | 1.72B |
| NII Growth % | -12.22% | -8.76% | -7.18% | 14.94% | 17.18% | 8.3% | 120.42% | -30.09% | -19.99% |
| Net Interest Margin % | 2.3% | 1.99% | 1.78% | 1.95% | 2.17% | 1.55% | 2.7% | 2.15% | 1.97% |
| Interest Income | 1.58B | 1.69B | 1.8B | 1.71B | 1.69B | 2.09B | 5.49B | 5.95B | 4.47B |
| Interest Expense | 452.24M | 658.68M | 848M | 608M | 400M | 696M | 2.41B | 3.8B | 2.75B |
| Loan Loss Provision | 37.24M | 18.26M | 7M | 62M | 3M | 133M | 833M | 1.09B | 184M |
| Non-Interest Income | 235.84M | 91.56M | 84M | 61M | 61M | 86M | 556M | 432M | 229M |
| Non-Interest Income % | 12.97% | 5.14% | 4.45% | 3.45% | 3.49% | 3.95% | 9.19% | 6.77% | 4.88% |
| Total Revenue | 1.82B▲ 0% | 1.78B▼ 2.0% | 1.89B▲ 6.1% | 1.77B▼ 6.4% | 1.75B▼ 1.1% | 2.18B▲ 24.5% | 6.05B▲ 177.6% | 6.38B▲ 5.6% | 4.7B▼ 26.5% |
| Revenue Growth % | -0.47% | -2.03% | 6.05% | -6.35% | -1.07% | 24.46% | 177.64% | 5.57% | -26.46% |
| Non-Interest Expense | 660.39M | 546.63M | 511M | 511M | 541M | 523M | 2.85B | 2.87B | 1.96B |
| Efficiency Ratio | 36.32% | 30.69% | 27.05% | 28.89% | 30.91% | 24.01% | 47.13% | 44.94% | 41.83% |
| Operating Income | 668.22M▲ 0% | 557.67M▼ 16.5% | 523M▼ 6.2% | 588M▲ 12.4% | 806M▲ 37.1% | 826M▲ 2.5% | -50M▼ 106.1% | -1.38B▼ 2656.0% | -198M▲ 85.6% |
| Operating Margin % | 36.75% | 31.31% | 27.69% | 33.24% | 46.06% | 37.92% | -0.83% | -21.59% | -4.22% |
| Operating Income Growth % | -14.01% | -16.54% | -6.22% | 12.43% | 37.07% | 2.48% | -106.05% | -2656% | 85.63% |
| Pretax Income | 668.22M▲ 0% | 557.67M▼ 16.5% | 523M▼ 6.2% | 588M▲ 12.4% | 806M▲ 37.1% | 826M▲ 2.5% | -50M▼ 106.1% | -1.38B▼ 2656.0% | -198M▲ 85.6% |
| Pretax Margin % | 36.75% | 31.31% | 27.69% | 33.24% | 46.06% | 37.92% | -0.83% | -21.59% | -4.22% |
| Income Tax | 202.01M | 135.25M | 128M | 77M | 210M | 176M | 29M | -260M | -21M |
| Effective Tax Rate % | 30.23% | 24.25% | 24.47% | 13.1% | 26.05% | 21.31% | -58% | 18.87% | 10.61% |
| Net Income | 466.2M▲ 0% | 422.42M▼ 9.4% | 395M▼ 6.5% | 511M▲ 29.4% | 596M▲ 16.6% | 650M▲ 9.1% | -79M▼ 112.2% | -1.12B▼ 1315.2% | -177M▲ 84.2% |
| Net Margin % | 25.64% | 23.71% | 20.91% | 28.89% | 34.06% | 29.84% | -1.31% | -17.51% | -3.77% |
| Net Income Growth % | -5.89% | -9.39% | -6.49% | 29.37% | 16.63% | 9.06% | -112.15% | -1315.19% | 84.17% |
| Net Income (Continuing) | 466.2M | 422.42M | 395M | 511M | 596M | 650M | -79M | -1.12B | -177M |
| EPS (Diluted) | 2.70▲ 0% | 2.37▼ 12.2% | 2.31▼ 2.5% | 3.06▲ 32.5% | 3.59▲ 17.3% | 3.77▲ 5.0% | -0.49▼ 113.0% | -3.49▼ 612.2% | -0.51▲ 85.4% |
| EPS Growth % | -11.18% | -12.22% | -2.53% | 32.47% | 17.32% | 5.01% | -113% | -612.24% | 85.39% |
| EPS (Basic) | 2.70 | 2.37 | 2.31 | 3.06 | 3.59 | 3.78 | -0.49 | -3.49 | -0.51 |
| Diluted Shares Outstanding | 162.36M | 162.43M | 155.22M | 154.43M | 154.68M | 161.71M | 237.88M | 330.71M | 415.33M |
FLG Balance Sheet
Flagstar Financial, Inc. (FLG) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 4.8B | 5.86B | 5.22B | 6.48B | 6.82B | 10.66B | 20.62B | 25.83B | 16.25B |
| Cash & Due from Banks | 2.53B | 1.47B | 741.87M | 1.95B | 2.21B | 2.03B | 11.47B | 15.43B | 553M |
| Short Term Investments | 2.27B | 4.38B | 4.48B | 4.54B | 4.61B | 8.63B | 9.14B | 10.4B | 15.7B |
| Total Investments | 40.03B | 43.9B | 45.14B | 45.83B | 48.57B | 76.68B | 90.78B | 76.27B | 15.7B |
| Investments Growth % | -1.93% | 9.67% | 2.82% | 1.54% | 5.97% | 57.88% | 18.38% | -15.98% | -79.41% |
| Long-Term Investments | 37.6B | 39.35B | 40.51B | 41.1B | 43.76B | 68.06B | 81.63B | 65.87B | 0 |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 2.44B | 2.44B | 2.43B | 2.43B | 2.43B | 3.75B | 1.74B | 514M | 381M |
| Goodwill | 2.44B | 2.44B | 2.43B | 2.43B | 2.43B | 2.43B | 0 | 0 | 0 |
| Intangible Assets | 6.1M | 780K | 0 | 0 | 0 | 1.32B | 1.74B | 514M | 381M |
| PP&E (Net) | 368.65M | 346.18M | 598.82M | 554M | 270M | 491M | 652M | 562M | 477M |
| Other Assets | 3.25B | 3.22B | 3.61B | 4B | 4.45B | 5.51B | 6.23B | 5.27B | 0 |
| Total Current Assets | 5.46B | 6.54B | 6.49B | 8.22B | 8.62B | 12.34B | 23.81B | 27.95B | 16.25B |
| Total Non-Current Assets | 43.67B | 45.36B | 47.15B | 48.09B | 50.91B | 77.81B | 90.25B | 72.21B | 858M |
| Total Assets | 49.12B▲ 0% | 51.9B▲ 5.6% | 53.64B▲ 3.4% | 56.31B▲ 5.0% | 59.53B▲ 5.7% | 90.14B▲ 51.4% | 114.06B▲ 26.5% | 100.16B▼ 12.2% | 87.51B▼ 12.6% |
| Asset Growth % | 0.4% | 5.65% | 3.36% | 4.97% | 5.72% | 51.43% | 26.53% | -12.18% | -12.63% |
| Return on Assets (ROA) | 0.95% | 0.84% | 0.75% | 0.93% | 1.03% | 0.87% | -0.08% | -1.04% | -0.19% |
| Accounts Payable | 0 | 0 | 0 | 19M | 18M | 0 | 0 | 0 | 0 |
| Total Debt | 12.91B | 14.21B | 14.84B | 16.35B | 20.56B | 31.66B | 28.62B | 14.43B | 12.18B |
| Net Debt | 10.39B | 12.73B | 14.1B | 14.4B | 18.35B | 29.63B | 17.14B | -1B | 11.63B |
| Long-Term Debt | 12.46B | 13.71B | 13.76B | 15.28B | 15.76B | 21.33B | 21.27B | 10.68B | 12.18B |
| Short-Term Debt | 450M | 500M | 800M | 800M | 4.55B | 10.32B | 7.35B | 3.75B | 0 |
| Other Liabilities | 312.98M | 271.85M | 428.41M | 657M | -3.15B | -9.06B | -4.45B | 1.7B | 36.89B |
| Total Current Liabilities | 29.55B | 31.26B | 32.46B | 33.26B | 39.63B | 69.05B | 88.88B | 79.62B | 30.29B |
| Total Non-Current Liabilities | 12.78B | 13.98B | 14.47B | 16.21B | 12.86B | 12.27B | 16.81B | 12.37B | 49.08B |
| Total Liabilities | 42.33B | 45.24B | 46.93B | 49.46B | 52.48B | 81.32B | 105.69B | 91.99B | 79.37B |
| Total Equity | 6.8B▲ 0% | 6.66B▼ 2.1% | 6.71B▲ 0.8% | 6.84B▲ 1.9% | 7.04B▲ 3.0% | 8.82B▲ 25.3% | 8.37B▼ 5.2% | 8.17B▼ 2.4% | 8.14B▼ 0.3% |
| Equity Growth % | 10.96% | -2.06% | 0.85% | 1.94% | 2.95% | 25.27% | -5.18% | -2.39% | -0.28% |
| Equity / Assets (Capital Ratio) | 13.83% | 12.82% | 12.51% | 12.15% | 11.83% | 9.79% | 7.34% | 8.15% | 9.31% |
| Return on Equity (ROE) | 7.22% | 6.28% | 5.91% | 7.54% | 8.58% | 8.19% | -0.92% | -13.52% | -2.17% |
| Book Value per Share | 41.85 | 40.97 | 43.24 | 44.31 | 45.54 | 54.57 | 35.17 | 24.70 | 19.61 |
| Tangible BV per Share | 26.81 | 25.97 | 27.61 | 28.60 | 29.85 | 31.40 | 27.88 | 23.14 | 18.69 |
| Common Stock | 4.89M | 4.9M | 4.9M | 5M | 5M | 7M | 2M | 4M | 4M |
| Additional Paid-in Capital | 6.07B | 6.1B | 6.12B | 6.12B | 6.13B | 8.13B | 8.24B | 9.28B | 9.3B |
| Retained Earnings | 237.87M | 297.2M | 342.02M | 494M | 741M | 1.04B | 443M | -763M | -988M |
| Accumulated OCI | -15.17M | -87.65M | -32.84M | -25M | -85M | -620M | -599M | -640M | -489M |
| Treasury Stock | -7.62M | -162M | -220.72M | -258M | -246M | -237M | -218M | -219M | -190M |
| Preferred Stock | 502.84M | 502.84M | 502.84M | 503M | 503M | 503M | 503M | 503M | 504M |
FLG Cash Flow Statement
Flagstar Financial, Inc. (FLG) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 1.33B | 540.36M | 510M | 334M | 290M | 1.03B | 263M | 86M | -534M |
| Operating CF Growth % | 75.57% | -59.27% | -5.62% | -34.51% | -13.17% | 253.79% | -74.37% | -67.3% | -720.93% |
| Net Income | 466.2M | 422.42M | 395M | 511M | 596M | 650M | -79M | -1.12B | -177M |
| Depreciation & Amortization | 33.01M | 32.32M | 27M | 24M | 21M | 23M | 165M | 184M | 0 |
| Deferred Taxes | 21.44M | 23.2M | 101M | 219M | -13M | -3M | -187M | -411M | 0 |
| Other Non-Cash Items | 1.97B | 49.53M | 0 | 72M | -3M | -68M | 1.26B | 1.33B | 80M |
| Working Capital Changes | -1.2B | -23.37M | -45M | -521M | -342M | 395M | -944M | 43M | -437M |
| Cash from Investing | 1.06B | -4.02B | -2.06B | -1.02B | -2.76B | -6.32B | 20.67B | 15.45B | 3.04B |
| Purchase of Investments | -1.18B | -3.29B | -2.5B | -2.51B | -1.8B | -2.24B | -3.05B | -3.44B | -7.69B |
| Sale/Maturity of Investments | 1.56B | 1.1B | 2.32B | 2.55B | 1.73B | 960M | 3.26B | 2.47B | 2.61B |
| Net Investment Activity | 388.88M | -2.19B | -180M | 32M | -68M | -1.28B | 214M | -968M | -5.08B |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 331M | 24.9B | 0 | 0 |
| Other Investing | 700.65M | -1.82B | -1.89B | -1.06B | -2.69B | -5.37B | -4.38B | 16.46B | 8.19B |
| Cash from Financing | -418.13M | 2.43B | 816M | 1.9B | 2.73B | 5.17B | -11.41B | -11.59B | -12.09B |
| Dividends Paid | -356.77M | -365.89M | -350M | -349M | -349M | -350M | -519M | -88M | -48M |
| Share Repurchases | -18.46M | -163.25M | -75M | -59M | -16M | -24M | -12M | -11M | 0 |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1B | 0 |
| Net Stock Activity | -18.46M | -163.25M | -75M | -59M | -16M | -24M | -12M | 993M | 0 |
| Debt Issuance (Net) | -1000K | 1000K | 1000K | 1000K | 1000K | -1000K | -1000K | -1000K | -1000K |
| Other Financing | 214.26M | 1.66B | 893M | 780M | 2.62B | 7.47B | -10.8B | -5.64B | -9.79B |
| Net Change in Cash | 1.97B▲ 0% | -1.05B▼ 153.5% | -733M▲ 30.4% | 1.21B▲ 264.5% | 263M▼ 78.2% | -129M▼ 149.0% | 9.53B▲ 7485.3% | 3.95B▼ 58.5% | -9.58B▼ 342.6% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 557.85M | 2.53B | 1.48B | 742M | 1.95B | 2.21B | 2.08B | 11.61B | 15.56B |
| Cash at End | 2.53B | 1.47B | 742M | 1.95B | 2.21B | 2.08B | 11.61B | 15.56B | 5.98B |
| Interest Paid | 447.48M | 645.59M | 813M | 633M | 402M | 657M | 2.29B | 3.69B | 0 |
| Income Taxes Paid | 217.68M | 44.12M | 76M | 118M | 471M | 17M | 54M | 33M | 0 |
| Free Cash Flow | 1.3B▲ 0% | 530.51M▼ 59.2% | 510M▼ 3.9% | 334M▼ 34.5% | 286M▼ 14.4% | 1.02B▲ 257.7% | 197M▼ 80.7% | 50M▼ 74.6% | -601M▼ 1302.0% |
| FCF Growth % | 93.44% | -59.16% | -3.87% | -34.51% | -14.37% | 257.69% | -80.74% | -74.62% | -1302% |
FLG Banking Ratios
Flagstar Financial, Inc. (FLG) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 8.22% | 7.22% | 6.28% | 5.91% | 7.54% | 8.58% | 8.19% | -0.92% | -13.52% | -2.17% |
| Return on Assets (ROA) | 1% | 0.95% | 0.84% | 0.75% | 0.93% | 1.03% | 0.87% | -0.08% | -1.04% | -0.19% |
| Net Interest Margin | 2.63% | 2.3% | 1.99% | 1.78% | 1.95% | 2.17% | 1.55% | 2.7% | 2.15% | 1.97% |
| Efficiency Ratio | 36.01% | 36.32% | 30.69% | 27.05% | 28.89% | 30.91% | 24.01% | 47.13% | 44.94% | 41.83% |
| Equity / Assets | 12.52% | 13.83% | 12.82% | 12.51% | 12.15% | 11.83% | 9.79% | 7.34% | 8.15% | 9.31% |
| Book Value / Share | 37.87 | 41.85 | 40.97 | 43.24 | 44.31 | 45.54 | 54.57 | 35.17 | 24.7 | 19.61 |
| NII Growth | 215.48% | -12.22% | -8.76% | -7.18% | 14.94% | 17.18% | 8.3% | 120.42% | -30.09% | -19.99% |
| Dividend Payout | 66.78% | 71.25% | 78.85% | 80.25% | 61.84% | 53.02% | 48.77% | - | - | - |
FLG SEC Filings & Documents
Flagstar Financial, Inc. (FLG) SEC filings — annual & quarterly reports (10-K, 10-Q)
FLG Frequently Asked Questions
Flagstar Financial, Inc. (FLG) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Flagstar Financial, Inc. (FLG) saw revenue decline by 26.5% over the past year.
Flagstar Financial, Inc. (FLG) reported a net loss of $177.0M for fiscal year 2025.
Dividend & Returns
Yes, Flagstar Financial, Inc. (FLG) pays a dividend with a yield of 0.25%. This makes it attractive for income-focused investors.
Flagstar Financial, Inc. (FLG) has a return on equity (ROE) of -2.2%. Negative ROE indicates the company is unprofitable.
Industry Metrics
Flagstar Financial, Inc. (FLG) has a net interest margin (NIM) of 2.0%. NIM has been under pressure due to interest rate environment.
Flagstar Financial, Inc. (FLG) has an efficiency ratio of 41.8%. This is excellent, indicating strong cost control.
Explore More FLG
Flagstar Financial, Inc. (FLG) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates