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Flagstar Bank

FLG NYSE Regional Banks Financials FY2016–FY2025

Flagstar Bank's revenue fell 19.2% to $2.1 billion in fiscal 2025. Net income was −$177 million. Its return on equity was −2.2%, up from −13.5% a year earlier. Its efficiency ratio was 100.7%, down from 111.2% a year earlier. It paid out $15 million in dividends and buybacks. The diluted share count rose 25.6%.

Last close · Oct 23, 2026

$10.38

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Revenue Total sales reported in the income statement.
$2.1B
19.2% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
100.7%
10.5 pts
Net income Profit after all expenses, interest and tax.
−$177M
Return on equity Net income as a share of average shareholders' equity.
−2.2%
11.4 pts
Market cap Last close times the latest diluted share count, so it is approximate.
$4.3B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
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About these figures. Share counts and per-share figures for earlier years are restated for a stock split (1-for-3.003), so every year is on today's share basis.

What Flagstar Bank does

No business description yet.

Legal name
FLAGSTAR BANK, NATIONAL ASSOCIATION
Fiscal year ends
December 31, 2025
Latest annual report
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Accession · CIK
0000910073-26-000025
0000910073

Revenue and margins

Flagstar Bank had $2.1B of revenue in fiscal 2025, down 19.2% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

Flagstar Bank returned $15.0M to shareholders in fiscal 2025. The diluted share count rose 25.6%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net $45.5B$68.6B$83.6B$67.1B$59.7B
Deposits $35.1B$58.7B$81.5B$75.9B$66.0B
Loans / deposits 129.9%116.8%102.6%88.4%90.5%
Total assets $59.5B$90.1B$114.1B$100.2B$87.5B
Shareholders' equity $7.0B$8.8B$8.4B$8.2B$8.1B
Goodwill $2.4B$2.4B$0.0M$0.0M$0.0M
Intangible assets $0.0M$287M$625M$488M$381M
Provision / loans 0.0%0.2%1.1%1.5%0.3%

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

1 insider

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

—

$0.0M

DateInsiderTradeSharesPriceValueFiling
Dec 4, 2025 Richard A RaffettoSEVP Pres of Com & Priv Bnking Bought 95 $12.85 $0.0M Form 4

Similar companies

Each company's latest fiscal year. Fiscal years end in different months, so periods don't line up exactly.

CompanyMarket capGrowthOp. marginFCF marginROICP/EF-score
Flagstar Bank FLG $4.3B −19.2% — — — — —
Pinnacle Financial Partners PNFP $7.8B 18.3% — — — 24.9x — Compare →
Valley Bank VLY $7.9B 9.3% — — — 11.9x — Compare →
Frost Bank CFR $10.1B 8.3% — — — 14.8x — Compare →
Columbia Banking System COLB $7.4B 19.3% — — — 12.1x — Compare →

10 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $1.4B $1.3B $1.1B $1.0B $1.2B $1.4B $1.6B $5.8B $2.6B $2.1B
Net interest income $1.3B $1.1B $1.0B $957M $1.1B $1.3B $1.4B $3.1B $2.2B $1.7B
Noninterest income $146M $217M $91.6M $84.0M $61.0M $61.0M $247M $2.7B $400M $341M
Noninterest expense $652M $641M $547M $511M $511M $541M $684M $5.0B $2.8B $2.1B
Provision for credit losses $4.2M $37.2M $18.3M $7.0M $62.0M $3.0M $133M $833M $1.1B $184M
Pretax income $777M $668M $558M $523M $588M $806M $826M −$50.0M −$1.4B −$198M
Income tax $282M $202M $135M $128M $77.0M $210M $176M $29.0M −$260M −$21.0M
Net income $495M $466M $422M $395M $511M $596M $650M −$79.0M −$1.1B −$177M
Net income to common $495M $442M $390M $362M $478M $563M $617M −$112M −$1.2B −$210M
Diluted EPS $3.03 $2.70 $2.37 $2.31 $3.06 $3.60 $3.77 −$0.49 −$3.49 −$0.50
Diluted shares 0.16B 0.16B 0.16B 0.16B 0.15B 0.15B 0.16B 0.24B 0.33B 0.42B
Cash flow
Stock-based compensation $32.7M $36.0M $36.3M $32.0M $29.0M $31.0M $29.0M $47.0M $54.0M $61.0M
Share buybacks $8.7M $18.5M $161M $67.0M $50.0M $0.0M $7.0M $0.0M $0.0M $0.0M
Dividends paid $331M $332M $333M $317M $316M $316M $317M $486M $53.0M $15.0M
Dividends and buybacks $339M $351M $494M $384M $366M $316M $324M $486M $53.0M $15.0M
Balance sheet
Loans, net $37.2B $38.2B $40.0B $41.7B $42.7B $45.5B $68.6B $83.6B $67.1B $59.7B
Deposits $28.9B $29.1B $30.8B $31.7B $32.4B $35.1B $58.7B $81.5B $75.9B $66.0B
Goodwill $2.4B $2.4B $2.4B $2.4B $2.4B $2.4B $2.4B $0.0M $0.0M $0.0M
Intangible assets $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $287M $625M $488M $381M
Total assets $48.9B $49.1B $51.9B $53.6B $56.3B $59.5B $90.1B $114.1B $100.2B $87.5B
Preferred stock $0.0M $503M $503M $503M $503M $503M $503M $503M $503M $503M
Shareholders' equity $6.1B $6.8B $6.7B $6.7B $6.8B $7.0B $8.8B $8.4B $8.2B $8.1B
Margins
Net margin 34.6% 34.6% 37.6% 37.9% 44.0% 44.2% 39.6% −1.4% −43.8% −8.6%
Net interest share of revenue 89.8% 83.9% 91.8% 91.9% 94.8% 95.5% 85.0% 53.4% 84.3% 83.5%
Efficiency ratio 45.5% 47.6% 48.7% 49.1% 44.0% 40.1% 41.6% 86.4% 111.2% 100.7%
Returns
Return on equity 8.2% 7.2% 6.3% 5.9% 7.5% 8.6% 8.2% −0.9% −13.5% −2.2%
Return on assets 1.0% 1.0% 0.8% 0.8% 0.9% 1.0% 0.9% −0.1% −1.0% −0.2%
Return on tangible equity 13.8% 11.7% 10.3% 9.7% 12.4% 14.0% 12.7% −1.7% −16.0% −2.9%
Growth
Revenue growth 131.6% −6.0% −16.7% −7.3% 11.5% 16.3% 21.7% 250.8% −55.7% −19.2%
Net income growth — −5.9% −9.4% −6.5% 29.4% 16.6% 9.1% −112.2% — —
EPS growth — −10.9% −12.2% −2.5% 32.5% 17.7% 4.7% −113.0% — —
Share count change 8.1% 0.4% 0.0% −4.4% −0.5% 0.3% 4.4% 47.1% 39.0% 25.6%
Financial health
Loans / deposits 128.9% 131.4% 130.0% 131.9% 131.6% 129.9% 116.8% 102.6% 88.4% 90.5%
Provision / loans 0.0% 0.1% 0.1% 0.0% 0.2% 0.0% 0.2% 1.1% 1.5% 0.3%
Capital allocation
Stock comp / revenue 2.3% 2.7% 3.2% 3.1% 2.5% 2.3% 1.8% 0.8% 2.1% 3.0%

Source: SEC EDGAR XBRL filings (CIK 0000910073). Data updated October 18, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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