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Flagstar Financial, Inc.

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
$5.23B
P/E (TTM)
-13.3
14.8
Dividend Yield
0.3%
52W High
$13.85
52W Low
$8.56
52W Range
76%
Rank67Top 91.5%
1.8
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 1.8 / 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

Q3 2025 Data

Revenue

$455.00M-72.37%
4-Quarter Trend

EPS

-$0.11-86.08%
4-Quarter Trend

FCF

$233.00M-123.02%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Net Interest Margin Rises NIM increased 10 basis points sequentially to 1.91% for Q3 2025, driven by lower high-cost funding costs and improved yields.
Quarterly Net Loss Narrows Reported net loss of $36M for the quarter, significantly improving from $70M last quarter and $280M year-over-year.
Loan Portfolio Diversification Loans held for investment decreased $5.6B since year-end 2024 due to strategic reduction in multi-family and CRE exposure.
Strong Capital Position Maintained Consolidated CET1 ratio stood at 12.45%, exceeding minimum regulatory requirements by 792 basis points as of September 30, 2025.

Risk Factors

Non-Accrual Loans Increased Total non-accrual loans rose to $3.24B, driven by a $566M classification in the multi-family portfolio during the quarter.
Internal Control Weaknesses Material weaknesses in risk assessment, monitoring, and control activities persist; remediation is in sustainability testing phase.
Interest Rate Sensitivity A 200 basis point interest rate shock could cause a 3.4% estimated decrease in Economic Value of Equity (EVE).
Rent-Regulated Loan Exposure 51% of multi-family loans are in NYC, with 55% secured by properties subject to rent regulation limiting income growth.

Outlook

Lower Credit Loss Provisioning Provision for credit losses decreased $26M sequentially due to improving credit trends and stabilization in the ACL balance.
Interest Rate Impact on NII 100 basis point short-term rate increase is estimated to decrease NII by 1.79% over the next twelve months.
Strategic Transformation Continues Executing strategic plan focused on diversification, financial resilience, and enhancing operational efficiency across core banking.
Sufficient Liquidity Maintained Total liquidity stands at $27.6B, exceeding uninsured deposits by $14.2B, supporting short and long-term obligations.

Peer Comparison

Revenue (TTM)

Grupo Financiero Galicia S.A.GGAL
$7.66B
-7.4%
Flagstar Financial, Inc.FLG
$4.35B
-33.4%
Valley National BancorpVLY
$3.49B
-1.9%

Gross Margin (Latest Quarter)

Intercorp Financial Services Inc.IFS
100.0%
-49.5pp
Hancock Whitney CorporationHWC
72.4%
+6.2pp
Atlantic Union Bankshares CorporationAUB
65.8%
+6.2pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
GGAL$8.66B14.414.3%6.5%
VLY$6.51B13.06.7%5.4%
HWC$5.46B11.311.2%5.9%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-31.8%
Growth Under Pressure
4Q Net Income CAGR
N/M
Profitability Shift
Cash Flow Stability
75%
Volatile Cash Flow

Research & Insights

Next earnings:Jan 29, 2026
|
EPS:$0.03
|
Revenue:$533.00M
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 6, 2025|
    Revenue: $455.00M-72.4%
    |
    EPS: $-0.11-86.1%
    Miss

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 7, 2025|
    Revenue: $1.22B-26.6%
    |
    EPS: $-0.19-83.3%
    Miss

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 9, 2025|
    Revenue: $1.24B-24.3%
    |
    EPS: $-0.26-80.9%
    Beat

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 4, 2025|
    Revenue: $6.38B+5.6%
    |
    EPS: $-3.49-612.2%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 8, 2024|
    Revenue: $1.65B-1.5%
    |
    EPS: $-0.79-196.3%
    Miss

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 9, 2024|
    Revenue: $1.66B+0.2%
    |
    EPS: $-1.14-168.3%
    Miss

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 10, 2024|
    Revenue: $1.64B+45.3%
    |
    EPS: $-1.36-115.8%
    Miss

  • Form 10-K/A - FY 2023

    Period End: Dec 31, 2023|Filed: Mar 15, 2024|
    Revenue: $6.05B+177.6%
    |
    EPS: $-0.49-113.0%
    Miss