Pricing Log in Create free account
Friday 6 November 2026 Export FLG’s income statement to Excel — free account

Flagstar Bank, National Association

FLG Financial Banks Regional

Flagstar Bank, National Association’s revenue for fiscal 2025 (year ended December 2025) was $4.8 billion, down 24.3% from fiscal 2024.

Revenue
−9.46%
EPS
+109.1%
Free cash flow
−42.5%
Total debt
−17.0%

Quarter to September 2026, against a year earlier

10.61 0.35 −3.19%
Market cap
$4.3B
P/E
70.7×
Fwd P/E
91.9×
Dividend yield
0.38%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.10
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy 1 — — — — — — — — — 1 —
Sell — — — — — — — — — — — —
Insider Ownership 29.62%

Capital & Financial Ratios $m

Size
Market Cap 4,250.00
Revenue ttm 4,321.00
Net income ttm 48.00
Free cash flow ttm 68.00
Net debt Q 6,891.00
Valuation
P/E 70.73 (above 35: high)
Forward P/E 91.90 (above 35: high)
Price / sales 1.01
Forward P/S Powerpack
Price / FCF 64.19
Price / book 0.61
Financial health
Current ratio Q 0.96
Debt / equity Q 1.43
Interest coverage Q —
Growth
Revenue growth Q −9.46% (below 0%: shrinking)
Operating income growth Q +58.33% (above 0%: growing)
EPS, this year +125.37% (at or above 15%: strong)
EPS, next year A +492.82% (at or above 15%: strong)
Revenue, next year A −56.27% (below 0%: weak)
EPS, past 5 yrs —
EPS, next 5 yrs A +4.83%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 95.52%
10-year low 10-year high
P/S against its own 10 years 19.58%
10-year low 10-year high
P/B against its own 10 years 15.73%
10-year low 10-year high

Dividends

Yield
0.38%
Annual rate
0.04
Payout ratio
26.7%
Growth, 2017–25
−38.8%/yr
  1. 2.04 ’17
  2. 2.04 ’18 +0
  3. 2.04 ’19 +0
  4. 2.04 ’20 +0
  5. 2.04 ’21 +0
  6. 2.04 ’22 +0
  7. 2.04 ’23 +0
  8. 0.20 ’24 −90
  9. 0.04 ’25 −80
  10. 0.04 ’26e +0
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 11,475 434 553 4,046
Receivables — — — —
Inventory — — — —
Other — — — —
96,284 68,404 60,520 65,288
2023 2024 2025 Q'26
Payables 81,526 75,870 66,000 67,820
ST’ Debt — — — —
Other — — — —
81,526 75,870 66,000 67,820

Compound Annual Growth %

10y 5y 3y
Sales 9.71% 22.13% 27.14%
Cash Flow 0.00% 0.00% 0.00%
Earnings 0.00% 0.00% 0.00%
Book Value 3.21% 3.54% (2.64%)

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.06 Actual 0.01

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.02 0.06 Beat by 0.04
Q1 FY26 0.03 0.04 Beat by 0.01
Q2 FY26 0.06 0.05 Miss by 0.01
Q3 FY26 0.06 0.01 Miss by 0.05
Q4 FY26 0.05 — Reports 29 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.03 0.06 0.01 — —
’25 (0.26) (0.19) (0.11) 0.05 (0.50)
’24 (1.35) (1.14) (0.79) (0.47) (3.40)
’23 8.61 1.65 0.81 (11.65) (0.49)
’22 0.93 1.02 0.90 0.90 3.78
’21 0.87 0.90 0.90 0.90 3.60
’20 0.60 0.63 0.69 1.17 3.06
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 1,039 1,052 1,082 — —
’25 1,244 1,220 1,195 1,148 4,807
’24 1,522 1,662 1,647 1,522 6,353
’23 3,132 1,800 1,672 1,574 8,178
’22 443 491 526 879 2,339
’21 437 447 430 436 1,750
’20 458 438 432 441 1,769
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (118) 226 — — —
’25 (590) 355 243 (189) (181)
’24 (294) 796 (1,039) 623 86
’23 3,035 (4,605) 1,054 779 263
’22 185 214 232 395 1,026
’21 124 (110) 61 215 290
’20 131 16 94 93 334
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (138) 200 — — —
’25 (602) 348 233 (227) (248)
’24 (332) 774 (1,012) 620 50
’23 3,024 (4,647) 1,065 755 197
’22 184 226 230 383 1,023
’21 124 (112) 60 214 286
’20 130 20 95 90 335
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 1,820 1,799 1,781 1,889 1,769 1,750 2,339 8,178 6,353 4,807 4,321 +11.4% 2,102 2,531 2,958 (14.9%)
Gross margin, % 78.71 74.86 63.02 55.11 65.63 77.14 70.24 70.48 40.17 42.90 48.62 (35.8) pt
EBT 777 668 558 523 588 806 826 (50) (1,378) (198) 115 n/m
EBT margin, % 42.69 37.14 31.31 27.69 33.24 46.06 35.31 (0.61) (21.69) (4.12) 2.66 (46.8) pt
Net income 495 466 422 395 511 596 650 (79) (1,118) (177) 48 n/m
Per share, $
Per share, $ Revenue 11.26 11.08 10.97 12.18 11.47 11.32 14.51 34.38 19.21 11.57 10.50 +0.3%
Earnings 3.03 2.70 2.37 2.31 3.06 3.60 3.78 (0.49) (3.40) (0.50) 0.15 n/m
Cash flow 4.67 8.17 3.33 3.29 2.17 1.88 6.36 1.11 0.26 (0.44) 0.00 n/m
Capex (0.52) (0.17) (0.06) 0.06 0.01 (0.03) (0.02) (0.28) (0.11) (0.16) 0.00 (12.2%)
Free cash flow 4.15 8.00 3.27 3.35 2.17 1.85 6.35 0.83 0.15 (0.60) 0.00 n/m
Book value 37.87 41.86 40.98 43.27 44.37 45.56 54.74 35.17 24.70 19.61 18.58 (7.1%)
Shares, m 162 162 162 155 154 155 161 238 331 415 415 +11.1%
Valuation, ×
Valuation, × P/E 15.61 14.52 11.91 15.61 10.24 10.26 6.86 0.00 0.00 0.00 70.73 8.5
P/S 4.24 3.54 2.57 2.96 2.76 3.24 1.79 0.91 0.49 1.09 1.01 2.4
P/B 1.26 1.01 0.75 0.90 0.77 0.87 0.50 0.94 0.40 0.68 0.61 0.8
EV/Sales 11.45 9.31 9.72 10.27 10.75 11.44 10.04 2.11 2.69 3.51 — 8.1
EV/FCF 31.03 12.90 32.64 37.40 56.76 70.06 22.95 87.42 341.55 (67.98) — 62.5
Cash, $m
Cash, $m Operating cash flow 756 1,327 540 510 334 290 1,026 263 86 (181) 162 n/m
Capex (84) (28) (10) 9 1 (4) (3) (66) (36) (67) (94) (2.5%)
Free cash flow 671 1,299 531 519 335 286 1,023 197 50 (248) 68 n/m
Balance, $m
Balance, $m Working capital 10,978 11,691 10,717 10,831 12,318 12,691 13,034 14,758 (7,466) (5,480) (2,532) n/m
Net debt 13,116 10,386 12,733 13,816 14,136 14,351 19,300 9,792 13,992 11,631 6,891 (1.3%)
Shareholders’ equity 6,124 6,795 6,655 6,712 6,842 7,044 8,824 8,367 8,167 8,143 7,644 +3.2%
Returns, %
Returns, % ROA 1.00 0.90 0.76 0.68 0.86 0.96 0.81 (0.11) (1.08) (0.22) 0.07 (1.2) pt
ROIC 2.56 2.43 1.80 1.59 1.75 2.42 2.00 0.96 (3.59) (0.45) 0.45 (3.0) pt
ROE 8.22 7.11 6.18 5.79 7.52 8.63 8.20 (1.38) (14.85) (2.74) 0.85 (11.0) pt
People
People Employees 3,487 3,096 2,913 2,786 2,948 2,815 7,497 8,766 6,993 5,631 — +5.5%
Revenue/emp, $m 0.52 0.58 0.61 0.68 0.60 0.62 0.31 0.93 0.91 0.85 — +5.6%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Flagstar Bank, National Association vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FULT Fulton Financial Corporation $4.5B 11.0× 10.7× +7.63% (above 0%: growing) +11.11% (above 0%: growing) +6.85% (above 0%: growing) 70.88% 0.00% Compare
SFBS ServisFirst Bancshares, Inc. $4.5B 13.2× 12.7× +6.42% (above 0%: growing) +33.33% (above 0%: growing) +141.10% (above 0%: growing) 63.94% 0.00% Compare
TCBI Texas Capital Bancshares, Inc. $4.5B 13.1× 13.3× +1.82% (above 0%: growing) +4.07% (above 0%: growing) +28.99% (above 0%: growing) 66.19% 0.00% Compare
UCB United Community Banks, Inc. $4.4B 31.1× 28.2× −74.97% (below 0%: shrinking) n/m +43.32% (above 0%: growing) (12.04%) 0.00% Compare
FFIN First Financial Bankshares, Inc. $4.4B 15.1× 15.0× +5.01% (above 0%: growing) +40.54% (above 0%: growing) +10.90% (above 0%: growing) 77.51% 0.00% Compare
FLG Flagstar Bank, National Association $4.3B 70.7× 91.9× −9.46% (below 0%: shrinking) n/m −42.53% (below 0%: shrinking) 48.98% 0.00%
IBOC International Bancshares Corporation $4.3B 10.1× 10.5× +2.82% (above 0%: growing) +5.75% (above 0%: growing) +9.70% (above 0%: growing) 81.66% 0.00% Compare
CATY Cathay General Bancorp $4.2B 11.8× 11.5× +9.21% (above 0%: growing) +26.55% (above 0%: growing) +272.48% (above 0%: growing) 65.64% 0.00% Compare
WSFS WSFS Financial Corporation $4.0B 12.4× 11.7× +2.90% (above 0%: growing) +27.74% (above 0%: growing) +35.81% (above 0%: growing) 81.03% 0.00% Compare
Median of peers $4.4B 12.8× 12.2× +3.96% +26.55% +32.40% 68.54% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 30 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 7.66m 21.84m 49.02

Ownership

Directors and executive officers, together 21.42%
Steven T. Mnuchin 18.00%
Liberty 17.99%
RCP Eagle Holdings L.P.RCP Eagle Holdings GP LLCRCP GenPar HoldCo LLC590 Madison Avenue, 8.63%
Hudson Bay Capital Management LPSander Gerber290 Harbor Dr.Stamford, CT 8.32%
BlackRock, Inc. 8.15%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Flagstar Bank, National Association (FLG) Latest News

5 Nov

Impact 3 · · The Motley Fool

28 Oct

Impact 4 · · Zacks

26 Oct

Impact 3 · · StockStory
Impact 3 · · StockStory

24 Oct

Impact 4 · · Simply Wall St.
Impact 3 · · StockStory earnings

23 Oct

Impact 4 · · Simply Wall St.
Impact 4 · · Moby
Impact 4 · · The Motley Fool transcript
Impact 4 · · americanbanker.com
Impact 4 · · MarketBeat transcript
Impact 3 · · Zacks
Impact 3 · · StockStory
Impact 3 · · Investing.com
Impact 3 · · Zacks
Impact 3 · · Associated Press

21 Oct

Impact 3 · · StockStory

19 Oct

Impact 3 · · Zacks

13 Oct

Impact 3 · · StockStory

10 Oct

Impact 3 · · Insider Monkey

17 Aug

Impact 3 ·

5 Aug

Impact 3 ·

31 Jul

Impact 3 ·

27 Jul

Impact 3 ·

25 Jul

Impact 3 ·
Impact 3 · · Moby transcript

24 Jul

Impact 3 · · MarketBeat transcript
Impact 3 ·
Impact 3 · · InvestorsHub
Impact 3 ·

FLG metrics, ten years each

stockrow.com/FLG · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com