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Flagstar Financial, Inc.(FLG)Earnings, Financials & Key Ratios
FLG•NYSE•Banking & Credit
$14.75
Price updated Jul 7, 2026
AboutFlagstar 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.Show more
- Net Interest Income$1.72B-20.0%
- Total Revenue$4.7B-26.5%
- Net Income-$177M+84.2%
- Return on Equity-2.17%+84.0%
- Net Interest Margin1.97%-8.4%
- Efficiency Ratio41.83%-6.9%
- ROA-0.19%+81.9%
- Equity / Assets9.31%+14.1%
- Book Value per Share19.61-20.6%
FLG Price & Volume
Flagstar Financial, Inc. (FLG) stock price & volume — 10-year historical chart
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Flagstar Financial Navigates Severe Asset Quality Headwinds
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Contracting
Profitability:Negative
Financial:Vulnerable
Cash Flow:Mixed
Primary Risk:NYC Real Estate Concentration
Key Thesis Takeaways
- Flagstar Financial remains in a precarious transition phase as it attempts to deleverage its balance sheet following significant credit losses in its legacy multi-family portfolio.
- While the bank has successfully reduced total assets from $119.1 billion in 2024Q2 to $87.1 billion in 2026Q1, persistent net interest margin compression at 0.5% continues to stifle profitability.
- Investors should monitor the bank's ability to sustain its marginal return to profitability, as the current $15.28 share price reflects ongoing uncertainty regarding long-term capital adequacy and credit risk.
Verdict Logic
the bank's forward P/E of 35.26 and persistent net interest margin of 0.5% suggest that the risks associated with legacy credit exposure and limited earnings growth potential currently outweigh the valuation.
FLG Growth Metrics
Flagstar Financial, Inc. (FLG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years9.48%
5 Years21.56%
3 Years29.18%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM93.71%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM91.71%
Return on Capital
10 Years1.65%
5 Years0.21%
3 Years-2.25%
Last Year-0.51%
FLG Recent Earnings
Flagstar Financial, Inc. (FLG) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (33%)●Beat Revenue 2/12 qtrs (17%)
Q2 2026Latest
Apr 24, 2026Metric
Actual
Est
EPS
$0.04+33.3%
$0.03
Rev
$498M-10.0%
$553M
Q1 2026
Jan 30, 2026Metric
Actual
Est
EPS
$0.06+200.0%
$0.02
Rev
$557M+4.6%
$533M
Q4 2025
Oct 24, 2025Metric
Actual
Est
EPS
$0.07-16.7%
$0.06
Rev
$455M-15.2%
$537M
Q3 2025
Jul 25, 2025Metric
Actual
Est
EPS
$0.14-16.7%
$0.12
Rev
$496M-10.9%
$557M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 24, 2026 | $0.04vs $0.03+33.3% | $498Mvs $553M-10.0% |
| Q1 2026 | Jan 30, 2026 | $0.06vs $0.02+200.0% | $557Mvs $533M+4.6% |
| Q4 2025 | Oct 24, 2025 | $0.07vs $0.06-16.7% | $455Mvs $537M-15.2% |
| Q3 2025 | Jul 25, 2025 | $0.14vs $0.12-16.7% | $496Mvs $557M-10.9% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Flagstar Financial, Inc. (FLG)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $14.75 | $6.15B | -28.92 | -26.46% | -3.77% | -2.17% | 0.24% | |
| $81.82 | $8.93B | 9.37 | 5.17% | 17.35% | 12.4% | — | |
| $20.57 | $3.17B | 17.43 | -3.31% | 13.63% | 7.07% | — | |
| $32.12 | $7.65B | 13.97 | 8.35% | 19.56% | 9.16% | — | |
| $81.11 | $4.23B | 8.72 | 173.81% | 14.31% | 12.02% | — | |
| $14.63 | $41.32B | -532.00 | 27.37% | 2.82% | 1.53% | — |
Compare FLG vs Peers
Flagstar Financial, Inc. (FLG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FLG SEC Filings & Documents
Flagstar Financial, Inc. (FLG) SEC filings — annual & quarterly reports (10-K, 10-Q)
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FLG Frequently Asked Questions
Flagstar Financial, Inc. (FLG) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Flagstar Financial, Inc. growing?
Flagstar Financial, Inc. (FLG) saw revenue decline by 26.5% over the past year.
Is FLG profitable?
Flagstar Financial, Inc. (FLG) reported a net loss of $56.0M for fiscal year 2025.
Dividend & Returns
Does FLG pay dividends?
Yes, Flagstar Financial, Inc. (FLG) pays a dividend with a yield of 0.24%. This makes it attractive for income-focused investors.
What is FLG's return on equity?
Flagstar Financial, Inc. (FLG) has a return on equity (ROE) of -2.2%. Negative ROE indicates the company is unprofitable.
Industry Metrics
What is Flagstar Financial, Inc.'s net interest margin?
Flagstar Financial, Inc. (FLG) has a net interest margin (NIM) of 2.0%. NIM has been under pressure due to interest rate environment.
What is Flagstar Financial, Inc.'s efficiency ratio?
Flagstar Financial, Inc. (FLG) has an efficiency ratio of 41.8%. This is excellent, indicating strong cost control.