Flagstar Financial, Inc. (FLG) quarterly income statement — complete revenue, gross profit & net income history
Flagstar Financial, Inc. (FLG) annual income statement — 30-year revenue, gross profit & net income history
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 |
|---|
| Net Interest Income | 440M | 443M | 467M | 425M | 419M | 410M | 461M | 510M | 557M | 624M | 740M | 882M | 900M | 555M | 379M | 326M | 359M | 332M | 322M | 318M |
| NII Growth % | 5.01% | 8.05% | 1.3% | -16.67% | -24.78% | -34.29% | -37.7% | -42.18% | -38.11% | 12.43% | 95.25% | 170.55% | 150.7% | 67.17% | 17.7% | 2.52% | 8.46% | 4.4% | 4.57% | 12.77% |
| Net Interest Margin % | 0.5% | 0.51% | 0.53% | 0.46% | 0.45% | 0.42% | 0.46% | 0.45% | 0.47% | 0.55% | 0.65% | 0.79% | 0.76% | 0.45% | 0.42% | 0.52% | 0.57% | 0.54% | 0.54% | 0.55% |
| Interest Income | 976M | 984M | 1.06B | 1.1B | 1.14B | 1.16B | 1.36B | 1.53B | 1.55B | 1.51B | 1.45B | 1.51B | 1.5B | 1.03B | 681M | 509M | 473M | 429M | 420M | 415M |
| Interest Expense | 536M | 541M | 591M | 676M | 724M | 754M | 897M | 1.02B | 991M | 889M | 707M | 630M | 598M | 479M | 302M | 183M | 114M | 97M | 98M | 97M |
| Loan Loss Provision | 18M | 0 | 3M | 38M | 64M | 79M | 145M | 242M | 390M | 315M | 552M | 62M | 49M | 170M | 124M | 2M | 9M | -2M | 4M | -1M |
| Non-Interest Income | 76M | 55M | 56M | 60M | 77M | 80M | 75M | 113M | 114M | 130M | 138M | 160M | 161M | 97M | 37M | 17M | 18M | 14M | 16M | 15M |
| Non-Interest Income % | 14.73% | 11.04% | 10.71% | 12.37% | 15.52% | 16.33% | 13.99% | 18.14% | 16.99% | 17.24% | 15.72% | 15.36% | 15.17% | 14.88% | 8.89% | 4.96% | 4.77% | 4.05% | 4.73% | 4.5% |
| Total Net Revenue | 516M | 498M | 523M | 485M | 496M | 490M | 536M | 623M | 671M | 754M | 878M | 1.04B | 1.06B | 652M | 416M | 343M | 377M | 346M | 338M | 333M |
| Revenue Growth % | 4.03% | 1.63% | -2.43% | -22.15% | -26.08% | -35.01% | -38.95% | -40.21% | -36.76% | 15.64% | 111.06% | 203.79% | 181.43% | 88.44% | 23.08% | 3% | 8.65% | 4.22% | 4.66% | 12.5% |
| Non-Interest Expense | 450M | 466M | 475M | 488M | 513M | 532M | 629M | 716M | 705M | 820M | 3.14B | 712M | 520M | -1.52B | 108M | 136M | 138M | 141M | 135M | 135M |
| Efficiency Ratio | 87.21% | 93.57% | 90.82% | 100.62% | 103.43% | 108.57% | 117.35% | 114.93% | 105.07% | 108.75% | 357.97% | 68.33% | 49.01% | -233.9% | 25.96% | 39.65% | 36.6% | 40.75% | 39.94% | 40.54% |
| Operating Income | 48M | 32M | 45M | -41M | -81M | -121M | -238M | -335M | -424M | -381M | -2.82B | 268M | 492M | 2.01B | 184M | 205M | 230M | 207M | 199M | 199M |
| Operating Margin % | 9.3% | 6.43% | 8.6% | -8.45% | -16.33% | -24.69% | -44.4% | -53.77% | -63.19% | -50.53% | -320.84% | 25.72% | 46.37% | 307.82% | 44.23% | 59.77% | 61.01% | 59.83% | 58.88% | 59.76% |
| Operating Income Growth % | 159.26% | 126.45% | 118.91% | 87.76% | 80.9% | 68.24% | 91.55% | -225% | -186.18% | -118.98% | -1630.98% | 30.73% | 113.91% | 869.57% | -7.54% | 3.02% | 8.49% | 5.61% | 11.58% | 29.22% |
| Pretax Income | 48M | 32M | 45M | -41M | -81M | -121M | -238M | -335M | -424M | -381M | -2.82B | 268M | 492M | 2.01B | 184M | 205M | 230M | 207M | 199M | 199M |
| Pretax Margin % | 9.3% | 6.43% | 8.6% | -8.45% | -16.33% | -24.69% | -44.4% | -53.77% | -63.19% | -50.53% | -320.84% | 25.72% | 46.37% | 307.82% | 44.23% | 59.77% | 61.01% | 59.83% | 58.88% | 59.76% |
| Income Tax | 14M | 11M | 16M | -5M | -11M | -21M | -50M | -55M | -101M | -54M | -112M | 61M | 79M | 1M | 12M | 53M | 59M | 52M | 49M | 50M |
| Effective Tax Rate % | 29.17% | 34.38% | 35.56% | 12.2% | 13.58% | 17.36% | 21.01% | 16.42% | 23.82% | 14.17% | 3.98% | 22.76% | 16.06% | 0.05% | 6.52% | 25.85% | 25.65% | 25.12% | 24.62% | 25.13% |
| Net Income | 34M | 21M | 29M | -36M | -70M | -100M | -188M | -280M | -323M | -327M | -2.71B | 207M | 413M | 2.01B | 172M | 152M | 171M | 155M | 150M | 149M |
| Net Margin % | 6.59% | 4.22% | 5.54% | -7.42% | -14.11% | -20.41% | -35.07% | -44.94% | -48.14% | -43.37% | -308.09% | 19.87% | 38.93% | 307.67% | 41.35% | 44.31% | 45.36% | 44.8% | 44.38% | 44.74% |
| Net Income Growth % | 148.57% | 121% | 115.43% | 87.14% | 78.33% | 69.42% | 93.05% | -235.27% | -178.21% | -116.3% | -1672.67% | 36.18% | 141.52% | 1194.19% | 14.67% | 2.01% | 12.5% | 6.9% | -20.91% | 28.45% |
| Net Income (Continuing) | 34M | 21M | 29M | -36M | -70M | -100M | -188M | -280M | -323M | -327M | -2.71B | 207M | 413M | 2.01B | 172M | 152M | 171M | 155M | 150M | 149M |
| EPS (Diluted) | 0.05 | 0.03 | 0.05 | -0.11 | -0.19 | -0.26 | -0.54 | -0.79 | -1.14 | -1.36 | -11.23 | 0.82 | 1.66 | 8.62 | 0.90 | 0.91 | 1.03 | 0.93 | 0.91 | 0.89 |
| EPS Growth % | 128.89% | 110.73% | 108.48% | 86.08% | 83.33% | 80.88% | 95.19% | -196.34% | -168.67% | -115.78% | -1347.78% | -9.89% | 61.17% | 826.88% | -1.1% | 2.25% | 13.19% | 6.9% | -21.55% | 28.99% |
| EPS (Basic) | 0.06 | 0.03 | 0.05 | -0.11 | -0.19 | -0.26 | -0.55 | -0.79 | -1.14 | -1.36 | -11.23 | 0.82 | 1.67 | 8.63 | 0.90 | 0.92 | 1.04 | 0.94 | 0.91 | 0.89 |
| Diluted Shares Outstanding | 473.62M | 466.55M | 458.73M | 415.13M | 415.13M | 414.82M | 348.68M | 366.64M | 293.12M | 246.68M | 240.81M | 241.64M | 241.24M | 229.42M | 179.91M | 155.37M | 155.6M | 155.32M | 154.68M | 154.96M |