A Business at a Glance
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Where we say "we," "us," "our," the "Bank," the "Company," or "Flagstar," in this report we usually mean Flagstar Bank, National Association. Flagstar Bank, National Association, is a national banking association headquartered in Hicksville, New York which had $87.5 billion of assets, $61.0 billion of loans, deposits of $66.0 billion, and total stockholders’ equity of $8.1 billion as of December 31, 2025. The Bank went public in 1993 and has grown organically and through a series of accretive mergers and acquisitions. We operate in a single reportable segment and have identified one reporting unit which is the same as our operating segment. We continue to assess our reportable segments and reporting units, which may result in a change to either or both in future reporting periods. Please refer to Note 23 - Segment Reporting. Internal Corporate Reorganization Effective October 17, 2025, the Bank became the successor reporting company to Flagstar Financial, Inc.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 4.8B | 4.8B | 6.4B | 8.2B | 2.3B | 1.8B |
| Net Income | -210M | -210M | -1.2B | -112M | 617M | 563M |
| EPS | $-0.50 | $-0.50 | $-3.49 | $-0.98 | $7.54 | $2.40 |
| Free Cash Flow | -181M | -181M | 86M | 263M | 1.0B | 286M |
| ROIC | -1.1% | -1.2% | -4.7% | -0.4% | 3.1% | 4.9% |
| Gross Margin | 39.2% | 39.2% | 22.8% | 60.8% | 64.3% | 77.0% |
| Debt/Equity | 1.50 | 1.50 | 1.77 | 2.59 | 2.71 | 0.43 |
| Dividends/Share | $0.04 | $0.04 | $0.20 | $4.08 | $4.08 | $1.36 |
| Operating Income | -198M | -198M | -1.4B | 68M | 826M | 806M |
| Operating Margin | -4.1% | -4.1% | -21.7% | 0.8% | 35.3% | 46.1% |
| ROE | -2.6% | -2.6% | -13.9% | -1.3% | 7.8% | 8.1% |
| Shares Outstanding | 420M | 420M | 330M | 114M | 341M | 235M |
FLAGSTAR BANK, NATIONAL ASSOCIATION passes 3 of 9 quality checks, indicating weak fundamentals.
The company's 5-year average ROIC is 0.4% with a gross margin of 52.8%. Total shareholder yield (dividends + buybacks) is 0.4%. At current prices, the estimated annualized return to fair value is -28.3%.
FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) has a 5-year average return on invested capital (ROIC) of 0.4%. This is below average and may indicate limited pricing power.
FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) has a market capitalization of $5.9B. It is classified as a mid-cap stock.
Yes, FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) pays a dividend with a trailing twelve-month yield of 0.25%. The company also returns capital through share buybacks, with a buyback yield of 0.17%.
FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) operates in the Savings Institutions, Not Federally Chartered industry, within the Financials sector.
FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) reported annual revenue of $4.8 billion in its most recent fiscal year, based on SEC EDGAR filings.
FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) has a net profit margin of -4.4%. The company is currently unprofitable.
FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) generated $-181 million in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) has a debt-to-equity ratio of 1.50. This indicates moderate leverage.
FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) reported earnings per share (EPS) of $-0.50 in its most recent fiscal year.
FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) has a return on equity (ROE) of -2.6%. A negative ROE may indicate losses or negative equity.
FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) has a 5-year average gross margin of 52.8%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 19 years of financial data for FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) has a book value per share of $19.39, based on its most recent annual SEC filing.