Flagstar Financial, Inc.

NYSE•FLG

CEO: Mr. Lee Matthew Smith

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 1993-11-23

Flagstar 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.

Contact Information

102 Duffy Avenue, Hicksville, NY, 11801, United States

516-683-4100

www.flagstar.com

Market Cap

$5.08B

P/E (TTM)

-28.7

13.4

Dividend Yield

0.3%

52W High

$14.54

52W Low

$9.64

52W Range

52%

Rank60Top 89.2%

2.1

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Weak • 2.1 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$1.11B-22.26%

4-Quarter Trend

EPS

$0.05-109.18%

4-Quarter Trend

FCF

-$216.00M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Loss Significantly Narrowed Reported net loss of $177M for 2025, a substantial improvement from the $1.12B net loss recorded in the prior year.

Loan Portfolio Strategic Reduction Total loans held for investment fell $7.5B, reflecting strategic diversification away from multi-family and CRE exposures.

Capital Strength Maintained CET1 ratio was 12.83% and Leverage Ratio was 9.22% at year-end 2025, well exceeding minimum regulatory requirements.

Non-Interest Expense Optimization Total non-interest expense decreased 27% to $2.08B, driven by cost optimization and divestiture of Mortgage Operations.

Risk Factors

Asset Quality Deterioration Noted Non-performing assets increased 14% to $2.99B; the non-accrual loan ratio rose to 4.90% by December 31, 2025.

Net Interest Margin Compression NIM declined to 1.89% in 2025, pressured by lower average loan yields following strategic portfolio restructuring.

NY Multi-family Rent Regulation 55% of the multi-family portfolio ($15.8B) is secured by NY properties subject to adverse rent control legislation risks.

Ongoing Litigation Exposure Vigorously defending multiple class action lawsuits related to prior data breaches and business disclosure practices.

Outlook

Continued Loan Diversification Focus Strategy remains focused on shifting loan portfolio mix away from concentrated multi-family and CRE sectors.

Future Capital Distribution Limits Future common stock repurchases are subject to prior approval from the OCC following the internal corporate reorganization.

Regulatory Compliance Costs Heightened regulatory standards for governance and risk management will continue to require ongoing investment and expense.

Executing Strategic Transformation Management is focused on disciplined execution of the multi-year strategic plan to achieve sustained profitability and growth.

Peer Comparison

Revenue (TTM)

AVAL

$8.75B

-3.5%

GGAL

$8.32B

-7.7%

FLG

$4.74B

-25.8%

Gross Margin (Latest Quarter)

FFIN

76.2%

+2.4pp

HWC

75.6%

+5.9pp

GBCI

74.2%

+9.6pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
GGAL	$6.60B	59.5	2.6%	5.6%
VLY	$6.56B	11.0	7.8%	5.3%
GBCI	$5.65B	23.6	6.5%	9.1%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

-3.6%

Flat Growth

4Q Net Income CAGR

N/M

Profitability Shift

Cash Flow Stability

50%

Cash Flow Needs Attention

Deep Research

Next earnings:Apr 23, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data