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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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
0.00 | 0.00 | 0.00 | 6.86 | 10.26 | 10.24 | 15.61 | 11.91 | 14.52 | 15.61 |
Piotroski F-Score |
5 | 3 | 5 | 5 | 5 | 6 | 6 | 3 | 6 | 7 |
P/S ratio |
1.09 | 0.49 | 0.91 | 1.79 | 3.24 | 2.76 | 2.96 | 2.57 | 3.54 | 4.24 |
P/FCF ratio |
0.00 | 61.71 | 37.71 | 4.08 | 19.82 | 14.57 | 10.78 | 8.64 | 4.90 | 11.50 |
P/Operating CF |
(27.67) | 4.95 | 9.54 | 10.58 | 26.34 | 52.47 | 32.70 | 14.31 | 536.62 | 21.46 |
P/B ratio |
0.68 | 0.40 | 0.94 | 0.50 | 0.87 | 0.77 | 0.90 | 0.75 | 1.01 | 1.26 |
Price to Tangible BV |
0.72 | 0.43 | 1.21 | 0.91 | 1.38 | 1.25 | 1.48 | 1.23 | 1.65 | 2.24 |
EV/Sales |
3.51 | 2.69 | 2.11 | 10.04 | 11.44 | 10.75 | 10.27 | 9.72 | 9.31 | 11.45 |
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 |
(93.15) | 198.58 | 65.48 | 22.88 | 69.01 | 56.93 | 38.06 | 32.05 | 12.63 | 27.58 |
EV/FCF |
(67.98) | 341.55 | 87.42 | 22.95 | 70.06 | 56.76 | 37.40 | 32.64 | 12.90 | 31.03 |
Quick Ratio |
0.01 | 0.01 | 0.14 | 0.03 | 0.06 | 0.06 | 0.02 | 0.05 | 0.09 | 0.02 |
Current Ratio |
0.92 | 0.90 | 1.18 | 1.22 | 1.36 | 1.38 | 1.34 | 1.35 | 1.40 | 1.38 |
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 |
13.92% | 14.40% | 18.65% | 23.66% | 27.82% | 28.57% | 27.14% | 27.38% | 26.29% | 27.95% |
Debt/Equity |
1.50 | 1.77 | 2.54 | 2.42 | 2.35 | 2.35 | 2.17 | 2.13 | 1.90 | 2.23 |
Asset Turnover |
0.05 | 0.06 | 0.08 | 0.03 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 |
Operating CF/Net income |
0.86 | (0.07) | (2.35) | 1.68 | 0.52 | 0.71 | 1.42 | 1.40 | 3.00 | 1.53 |
Capex/Depreciation |
(0.45) | (0.20) | (0.03) | 0.21 | (0.25) | 0.03 | 0.26 | (0.35) | (0.98) | (9.41) |
| (2.74%) | (14.85%) | (1.38%) | 8.20% | 8.63% | 7.52% | 5.79% | 6.18% | 7.11% | 8.22% | |
| (0.22%) | (1.08%) | (0.11%) | 0.81% | 0.96% | 0.86% | 0.68% | 0.76% | 0.90% | 1.00% | |
ROIC |
(0.45%) | (3.59%) | 0.96% | 2.00% | 2.42% | 1.75% | 1.59% | 1.80% | 2.43% | 2.56% |
Return on Tangible Assets |
4.20% | 16.70% | (0.73%) | 4.50% | 4.29% | 3.74% | 3.21% | 3.48% | 3.66% | 4.36% |
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 |
45.85% | 60.19% | 37.39% | 31.72% | 29.77% | 32.39% | 27.42% | 31.71% | 37.71% | 35.28% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.02 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 |
Share Based Compensation of Revenue |
1.27% | 0.85% | 0.57% | 1.24% | 1.77% | 1.64% | 1.69% | 2.04% | 2.00% | 1.79% |
Graham Net Nets |
(3.60) | (7.64) | (1.27) | (2.29) | (0.84) | (0.96) | (0.79) | (0.82) | (0.24) | (0.38) |
Graham Number |
0.00 | 0.00 | 0.00 | 66.26 | 58.30 | 53.47 | 45.62 | 44.95 | 48.53 | 51.07 |
Earnings Yield |
(4.05%) | (39.55%) | (1.82%) | 14.58% | 9.75% | 9.76% | 6.41% | 8.40% | 6.89% | 6.41% |
Free Cash Flow Yield |
(4.74%) | 1.62% | 2.65% | 24.48% | 5.04% | 6.86% | 9.28% | 11.57% | 20.41% | 8.69% |
Revenue per Share |
11.57 | 19.21 | 34.38 | 14.51 | 11.32 | 11.47 | 12.18 | 10.97 | 11.08 | 11.26 |
Operating CF per Share |
(0.44) | 0.26 | 1.11 | 6.36 | 1.88 | 2.17 | 3.29 | 3.33 | 8.17 | 4.67 |
Capex per Share |
(0.16) | (0.11) | (0.28) | (0.02) | (0.03) | 0.01 | 0.06 | (0.06) | (0.17) | (0.52) |
Free Cash Flow per Share |
(0.60) | 0.15 | 0.83 | 6.35 | 1.85 | 2.17 | 3.35 | 3.27 | 8.00 | 4.15 |
Cash per Share |
1.33 | 1.31 | 48.24 | 12.61 | 14.30 | 12.63 | 4.78 | 9.08 | 15.57 | 3.45 |
Shareholders Equity per Share |
19.61 | 24.70 | 35.17 | 54.74 | 45.56 | 44.37 | 43.27 | 40.98 | 41.86 | 37.87 |
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 |
19.61 | 24.70 | 35.17 | 54.74 | 45.56 | 44.37 | 43.27 | 40.98 | 41.86 | 37.87 |
Free Cash Flow |
(248.00) | 50.00 | 197.00 | 1,023.00 | 286.00 | 335.00 | 519.00 | 530.51 | 1,298.93 | 671.47 |
Working Capital |
(5,480.00) | (7,466.00) | 14,758.00 | 13,034.00 | 12,691.00 | 12,318.00 | 10,831.26 | 10,716.61 | 11,691.19 | 10,977.97 |
Capital Expenditures |
(67.00) | (36.00) | (66.00) | (3.00) | (4.00) | 1.00 | 9.00 | (9.85) | (27.78) | (84.18) |
Net Current Asset Value |
(18,849.00) | (23,589.00) | (9,406.00) | (9,565.00) | (4,733.00) | (4,709.00) | (4,440.74) | (3,763.10) | (1,535.47) | (2,936.69) |
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 |
0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.02 | 0.05 |
Price to Operating Income |
0.00 | 0.00 | 2.75 | 4.61 | 6.83 | 8.30 | 10.69 | 8.22 | 9.53 | 9.80 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.31 | 0.33 | 3.97 | (0.03) | 0.06 | 0.12 | 0.11 | 0.08 | 0.08 | 0.02 |
Cash ROIC |
(1.19%) | 0.22% | 0.48% | 3.18% | 1.11% | 1.35% | 2.36% | 2.37% | 5.84% | 3.30% |
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 |
0.04 | 0.05 | 0.03 | 0.01 | 0.01 | 0.02 | 0.03 | 0.02 | 0.02 | 0.01 |
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 |
8,775.96 | 7,285.60 | 12,326.84 | 30,794.78 | 31,991.34 | 19,472.87 | 13,626.01 | 17,047.81 | 23,488.37 | 27,211.45 |
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 |
70,935.00 | 78,698.00 | 70,123.50 | 46,890.00 | 33,748.00 | 32,047.07 | 31,210.78 | 29,933.30 | 28,995.03 | 28,657.33 |
Average Assets |
93,836.00 | 107,108.50 | 102,100.50 | 74,835.50 | 57,916.50 | 54,973.41 | 52,770.10 | 50,511.79 | 49,025.38 | 49,622.18 |
Average Common Equity |
7,652.00 | 7,764.00 | 8,092.50 | 7,431.00 | 6,440.00 | 6,273.93 | 6,180.62 | 6,222.47 | 6,208.26 | 6,029.34 |
Columns are period end dates