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%
Follow FLG
| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
15.61 | 14.52 | 11.91 | 15.61 | 10.24 | 10.26 | 6.86 | 0.00 | 0.00 | 0.00 |
Piotroski F-Score |
7 | 6 | 3 | 6 | 6 | 5 | 5 | 5 | 3 | 5 |
P/S ratio |
4.24 | 3.54 | 2.57 | 2.96 | 2.76 | 3.24 | 1.79 | 0.91 | 0.49 | 1.09 |
P/FCF ratio |
11.50 | 4.90 | 8.64 | 10.78 | 14.57 | 19.82 | 4.08 | 37.71 | 61.71 | 0.00 |
P/Operating CF |
21.46 | 536.62 | 14.31 | 32.70 | 52.47 | 26.34 | 10.58 | 9.54 | 4.95 | (27.67) |
P/B ratio |
1.26 | 1.01 | 0.75 | 0.90 | 0.77 | 0.87 | 0.50 | 0.94 | 0.40 | 0.68 |
Price to Tangible BV |
2.24 | 1.65 | 1.23 | 1.48 | 1.25 | 1.38 | 0.91 | 1.21 | 0.43 | 0.72 |
EV/Sales |
11.45 | 9.31 | 9.72 | 10.27 | 10.75 | 11.44 | 10.04 | 2.11 | 2.69 | 3.51 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
27.58 | 12.63 | 32.05 | 38.06 | 56.93 | 69.01 | 22.88 | 65.48 | 198.58 | (93.15) |
EV/FCF |
31.03 | 12.90 | 32.64 | 37.40 | 56.76 | 70.06 | 22.95 | 87.42 | 341.55 | (67.98) |
Quick Ratio |
0.02 | 0.09 | 0.05 | 0.02 | 0.06 | 0.06 | 0.03 | 0.14 | 0.01 | 0.01 |
Current Ratio |
1.38 | 1.40 | 1.35 | 1.34 | 1.38 | 1.36 | 1.22 | 1.18 | 0.90 | 0.92 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
27.95% | 26.29% | 27.38% | 27.14% | 28.57% | 27.82% | 23.66% | 18.65% | 14.40% | 13.92% |
Debt/Equity |
2.23 | 1.90 | 2.13 | 2.17 | 2.35 | 2.35 | 2.42 | 2.54 | 1.77 | 1.50 |
Asset Turnover |
0.04 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.08 | 0.06 | 0.05 |
Operating CF/Net income |
1.53 | 3.00 | 1.40 | 1.42 | 0.71 | 0.52 | 1.68 | (2.35) | (0.07) | 0.86 |
Capex/Depreciation |
(9.41) | (0.98) | (0.35) | 0.26 | 0.03 | (0.25) | 0.21 | (0.03) | (0.20) | (0.45) |
| 8.22% | 7.11% | 6.18% | 5.79% | 7.52% | 8.63% | 8.20% | (1.38%) | (14.85%) | (2.74%) | |
| 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%) |
Return on Tangible Assets |
4.36% | 3.66% | 3.48% | 3.21% | 3.74% | 4.29% | 4.50% | (0.73%) | 16.70% | 4.20% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
35.28% | 37.71% | 31.71% | 27.42% | 32.39% | 29.77% | 31.72% | 37.39% | 60.19% | 45.85% |
Intangible Assets out of Total Assets |
0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.02 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
1.79% | 2.00% | 2.04% | 1.69% | 1.64% | 1.77% | 1.24% | 0.57% | 0.85% | 1.27% |
Graham Net Nets |
(0.38) | (0.24) | (0.82) | (0.79) | (0.96) | (0.84) | (2.29) | (1.27) | (7.64) | (3.60) |
Graham Number |
51.07 | 48.53 | 44.95 | 45.62 | 53.47 | 58.30 | 66.26 | 0.00 | 0.00 | 0.00 |
Earnings Yield |
6.41% | 6.89% | 8.40% | 6.41% | 9.76% | 9.75% | 14.58% | (1.82%) | (39.55%) | (4.05%) |
Free Cash Flow Yield |
8.69% | 20.41% | 11.57% | 9.28% | 6.86% | 5.04% | 24.48% | 2.65% | 1.62% | (4.74%) |
Revenue per Share |
11.26 | 11.08 | 10.97 | 12.18 | 11.47 | 11.32 | 14.51 | 34.38 | 19.21 | 11.57 |
Operating CF per Share |
4.67 | 8.17 | 3.33 | 3.29 | 2.17 | 1.88 | 6.36 | 1.11 | 0.26 | (0.44) |
Capex per Share |
(0.52) | (0.17) | (0.06) | 0.06 | 0.01 | (0.03) | (0.02) | (0.28) | (0.11) | (0.16) |
Free Cash Flow per Share |
4.15 | 8.00 | 3.27 | 3.35 | 2.17 | 1.85 | 6.35 | 0.83 | 0.15 | (0.60) |
Cash per Share |
3.45 | 15.57 | 9.08 | 4.78 | 12.63 | 14.30 | 12.61 | 48.24 | 1.31 | 1.33 |
Shareholders Equity per Share |
37.87 | 41.86 | 40.98 | 43.27 | 44.37 | 45.56 | 54.74 | 35.17 | 24.70 | 19.61 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
37.87 | 41.86 | 40.98 | 43.27 | 44.37 | 45.56 | 54.74 | 35.17 | 24.70 | 19.61 |
Free Cash Flow |
671.47 | 1,298.93 | 530.51 | 519.00 | 335.00 | 286.00 | 1,023.00 | 197.00 | 50.00 | (248.00) |
Working Capital |
10,977.97 | 11,691.19 | 10,716.61 | 10,831.26 | 12,318.00 | 12,691.00 | 13,034.00 | 14,758.00 | (7,466.00) | (5,480.00) |
Capital Expenditures |
(84.18) | (27.78) | (9.85) | 9.00 | 1.00 | (4.00) | (3.00) | (66.00) | (36.00) | (67.00) |
Net Current Asset Value |
(2,936.69) | (1,535.47) | (3,763.10) | (4,440.74) | (4,709.00) | (4,733.00) | (9,565.00) | (9,406.00) | (23,589.00) | (18,849.00) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.05 | 0.02 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 |
Price to Operating Income |
9.80 | 9.53 | 8.22 | 10.69 | 8.30 | 6.83 | 4.61 | 2.75 | 0.00 | 0.00 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.02 | 0.08 | 0.08 | 0.11 | 0.12 | 0.06 | (0.03) | 3.97 | 0.33 | 0.31 |
Cash ROIC |
3.30% | 5.84% | 2.37% | 2.36% | 1.35% | 1.11% | 3.18% | 0.48% | 0.22% | (1.19%) |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.02 | 0.02 | 0.03 | 0.02 | 0.01 | 0.01 | 0.03 | 0.05 | 0.04 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
27,211.45 | 23,488.37 | 17,047.81 | 13,626.01 | 19,472.87 | 31,991.34 | 30,794.78 | 12,326.84 | 7,285.60 | 8,775.96 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
28,657.33 | 28,995.03 | 29,933.30 | 31,210.78 | 32,047.07 | 33,748.00 | 46,890.00 | 70,123.50 | 78,698.00 | 70,935.00 |
Average Assets |
49,622.18 | 49,025.38 | 50,511.79 | 52,770.10 | 54,973.41 | 57,916.50 | 74,835.50 | 102,100.50 | 107,108.50 | 93,836.00 |
Average Common Equity |
6,029.34 | 6,208.26 | 6,222.47 | 6,180.62 | 6,273.93 | 6,440.00 | 7,431.00 | 8,092.50 | 7,764.00 | 7,652.00 |
Columns are period end dates