Saturday 17 October 2026 Export FLG’s income statement to Excel — free account

Flagstar Bank, National Association

Flagstar Bank, National Association’s revenue for fiscal 2025 (year ended December 2025) was $4.8 billion, down 24.3% from fiscal 2024. In the quarter to June 2026, revenue fell 13.8%, EPS grew 131.6%, free cash flow fell 42.5% and total debt fell 17.0%, each against the same quarter a year earlier. Insiders bought in the last twelve months.

11.08 0.17 −1.51%

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Market cap: $4.7B
P/E: 369×
Fwd P/E: 30.5×
Dividend yield: 0.36%
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.00

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	1	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 28.01%

Capital & Financial Ratios $m

Market Cap 4,670.00

Revenue 4,434.00

Net Income 48.00

Free Cash Flow 68.00

Net Debt 10,521.00

Current Ratio 0.90

Debt/Equity 1.34

P/E ratio 369.33

Fwd P/E 30.50

P/S ratio 1.04

P/B ratio 0.60

Past 5Y EPS Growth —

This Y EPS Growth 156.07%

Next Y EPS Growth 310.41%

Next Y revenue growth (55.38%)

Next 5Y EPS Growth 4.83%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 95.86%

10-year low 10-year high

P/S against its own 10 years 20.20%

10-year low 10-year high

P/B against its own 10 years 14.93%

10-year low 10-year high

Dividends

Payout Ratio 1.33

Annual Dividend Rate 0.04

Annual Dividend Yield 0.36%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.04	0.01 0.01 0.01
2025	0.04	0.01 0.01 0.01 0.01
2024	0.20	0.15 0.03 0.01 0.01
2023	2.04	0.51 0.51 0.51 0.51
2022	2.04	0.51 0.51 0.51 0.51
2021	2.04	0.51 0.51 0.51 0.51
2020	2.04	0.51 0.51 0.51 0.51
2019	2.04	0.51 0.51 0.51 0.51
2018	2.04	0.51 0.51 0.51 0.51
2017	2.04	0.51 0.51 0.51 0.51
2016	2.04	0.51 0.51 0.51 0.51

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	11,475	434	553	416
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	96,284	68,404	60,520	60,742

	2023	2024	2025	Q'26
Payables	81,526	75,870	66,000	67,521
ST’ Debt	—	—	—	—
Other	—	—	—	—
	81,526	75,870	66,000	67,521

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%)

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	1,039	1,052	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.03	0.06	—	—	—
’25	(0.26)	(0.19)	(0.11)	0.05	(0.50)
’24	(1.35)	(1.14)	(0.79)	(0.41)	(3.40)
’23	8.61	1.65	0.81	(11.65)	9.72
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	41.22	35.01	25.83	27.60	23.16	30.84	24.51	17.43	5.10	8.56	Analyst estimates 2026–2028 Powerpack
	High	53.04	48.78	43.59	41.37	36.15	42.99	40.71	42.66	31.86	13.85
People
People	Employees	3,487	3,096	2,913	2,786	2,948	2,815	7,497	8,766	6,993	5,631
	Revenue/emp, $m	0.52	0.58	0.61	0.68	0.60	0.62	0.31	0.93	0.91	0.85
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
	Gross margin, %	78.71	74.86	63.02	55.11	65.63	77.14	70.24	70.48	40.17	42.90
	EBT	777	668	558	523	588	806	826	(50)	(1,378)	(198)
	EBT margin, %	42.69	37.14	31.31	27.69	33.24	46.06	35.31	(0.61)	(21.69)	(4.12)
	Net income	495	466	422	395	511	596	650	(79)	(1,118)	(177)
	Depreciation	9	28	28	35	35	16	(14)	2,591	184	148
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
	Earnings	3.03	2.70	2.37	2.31	3.06	3.60	3.78	9.75	(3.40)	(0.50)
	Cash flow	4.67	8.17	3.33	3.29	2.17	1.88	6.36	1.11	0.26	(0.44)
	Capex	(0.52)	(0.17)	(0.06)	0.06	0.01	(0.03)	(0.02)	(0.28)	(0.11)	(0.16)
	Free cash flow	4.15	8.00	3.27	3.35	2.17	1.85	6.35	0.83	0.15	(0.60)
	Book value	37.87	41.86	40.98	43.27	44.37	45.56	54.74	35.17	24.70	19.61
	Shares, m	162	162	162	155	154	155	161	238	331	415
Valuation, ×
Valuation, ×	P/E	15.61	14.52	11.91	15.61	10.24	10.26	6.86	0.00	0.00	0.00
	P/S	4.24	3.54	2.57	2.96	2.76	3.24	1.79	0.91	0.49	1.09
	P/B	1.26	1.01	0.75	0.90	0.77	0.87	0.50	0.94	0.40	0.68
	EV/Sales	11.45	9.31	9.72	10.27	10.75	11.44	10.04	2.11	2.69	3.51
	EV/FCF	31.03	12.90	32.64	37.40	56.76	70.06	22.95	87.42	341.55	(67.98)
Cash, $m
Cash, $m	Operating cash flow	756	1,327	540	510	334	290	1,026	263	86	(181)
	Capex	(84)	(28)	(10)	9	1	(4)	(3)	(66)	(36)	(67)
	Free cash flow	671	1,299	531	519	335	286	1,023	197	50	(248)
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)
	Total debt	13,673	12,914	14,208	14,558	16,084	16,562	21,332	21,267	14,426	12,184
	Net debt	13,116	10,386	12,733	13,816	14,136	14,351	19,300	9,792	13,992	11,631
	Shareholders’ equity	6,124	6,795	6,655	6,712	6,842	7,044	8,824	8,367	8,167	8,143
Returns, %
Returns, %	ROA	1.00	0.90	0.76	0.68	0.86	0.96	0.81	(0.11)	(1.08)	(0.22)
	ROIC	2.56	2.43	1.80	1.59	1.75	2.42	2.00	0.96	(3.59)	(0.45)
	ROE	8.22	7.11	6.18	5.79	7.52	8.63	8.20	(1.38)	(14.85)	(2.74)

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
OZK Bank OZK	$5.0B	7.6×	8.3×	−3.82% (below 0%: shrinking)	−6.29% (below 0%: shrinking)	+47.62% (above 0%: growing)	63.91%	0.00%	Compare
AX AXOS FINANCIAL, INC	$5.0B	10.2×	9.1×	+15.98% (above 0%: growing)	+12.24% (above 0%: growing)	+22.36% (above 0%: growing)	67.69%	0.00%	Compare
EBC Eastern Bankshares, Inc.	$4.8B	12.1×	11.3×	+26.48% (above 0%: growing)	−4.00% (below 0%: shrinking)	+25.53% (above 0%: growing)	75.96%	0.00%	Compare
GGAL Grupo Financiero Galicia S.A.	$4.8B	18.2×	—	−91.05% (below 0%: shrinking)	−75.31% (below 0%: shrinking)	−347.48% (below 0%: shrinking)	100.00%	0.00%	Compare
FLG Flagstar Bank, National Association	$4.7B	369×	30.5×	−13.77% (below 0%: shrinking)	n/m	−42.53% (below 0%: shrinking)	49.05%	0.00%
TFSL TFS Financial Corporation	$4.6B	45.4×	49.0×	+5.82% (above 0%: growing)	+37.50% (above 0%: growing)	+16.04% (above 0%: growing)	42.51%	0.00%	Compare
FFIN First Financial Bankshares, Inc.	$4.5B	16.2×	15.9×	+7.84% (above 0%: growing)	+6.38% (above 0%: growing)	+25.95% (above 0%: growing)	77.89%	0.00%	Compare
SFBS ServisFirst Bancshares, Inc.	$4.3B	13.4×	12.3×	+6.36% (above 0%: growing)	+40.18% (above 0%: growing)	+141.10% (above 0%: growing)	64.14%	0.00%	Compare
FULT Fulton Financial Corporation	$4.3B	10.7×	11.1×	+7.53% (above 0%: growing)	−1.89% (below 0%: shrinking)	+6.85% (above 0%: growing)	71.64%	0.00%	Compare
Median of peers	$4.7B	12.8×	11.3×	+6.95%	+2.24%	+23.95%	69.67%	0.00%

All 323 Banks Regional stocks →

Flagstar Bank, National Association (FLG) key facts

Concern: Flagstar Bank, National Association’s revenue for fiscal 2025 (year ended December 2025) was $4.8 billion, down 24.3% from fiscal 2024.
Flagstar Bank, National Association (FLG) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, FLG traded at $11.08, a market capitalization of $4.7 billion.
Flagstar Bank, National Association pays an annual dividend of $0.04 per share, a yield of 0.36%, with a payout ratio of 133.3%.
Return on equity was −2.74% and debt-to-equity 1.34.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.