Flagstar Bank
FLG NYSE· Regional Banks
Last close · Oct 26, 2026
$10.22
KIRA · Stoqly’s AI analyst, in plain words
- Flagstar Bank had $2.1B of revenue in fiscal 2025, down 19.2% on the year before. Over five years, revenue changed +12.2% a year on average.
- Flagstar Bank lost $177M in fiscal 2025.
- Flagstar Bank returned $15.0M to shareholders in fiscal 2025. The diluted share count rose 25.6%.
- It earned −2.2% on shareholders’ money. Running costs took 100.7% of revenue (the efficiency ratio; lower is better).
Market cap
$4.2B
P/E
—
Revenue
$2.1B
Net income
−$177M
Return on equity
−2.2%
Efficiency ratio
100.7%
Flagstar Bank in 30 seconds · fiscal 2025
Are sales growing?
−19.2%
No. Sales fell 19.2% last year.
Does it make a profit?
−8.6%
No. It lost money last year.
How lean are its costs?
100.7%
Costly. Running costs take 100.7% of revenue.
How much does it earn on its capital?
−2.2%
Low. It earns −2.2% a year on shareholders’ money.
What Flagstar Bank does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- FLAGSTAR BANK, NATIONAL ASSOCIATION
- CIK
- 0000910073
Flagstar Bank · FLG
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $1.4B | $1.6B | $5.8B | $2.6B | $2.1B |
| Revenue growth | 16.3% | 21.7% | 250.8% | −55.7% | −19.2% |
| Net interest income | $1.3B | $1.4B | $3.1B | $2.2B | $1.7B |
| Net income | $596M | $650M | −$79.0M | −$1.1B | −$177M |
| Net margin | 44.2% | 39.6% | −1.4% | −43.8% | −8.6% |
| Diluted EPS | $3.60 | $3.77 | −$0.49 | −$3.49 | −$0.50 |
| Cash | |||||
| Dividends paid | $316M | $317M | $486M | $53.0M | $15.0M |
| Share buybacks | $0.0M | $7.0M | $0.0M | $0.0M | $0.0M |
| Share count change | 0.3% | 4.4% | 47.1% | 39.0% | 25.6% |
| Debt and strength | |||||
| Loans, net | $45.5B | $68.6B | $83.6B | $67.1B | $59.7B |
| Deposits | $35.1B | $58.7B | $81.5B | $75.9B | $66.0B |
| Shareholders' equity | $7.0B | $8.8B | $8.4B | $8.2B | $8.1B |
| Returns and quality | |||||
| Return on equity | 8.6% | 8.2% | −0.9% | −13.5% | −2.2% |
| Return on tangible equity | 14.0% | 12.7% | −1.7% | −16.0% | −2.9% |
| Efficiency ratio | 40.1% | 41.6% | 86.4% | 111.2% | 100.7% |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Flagstar Bank · FLG
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
Similar companies
Each company’s latest fiscal year. Fiscal years end in different months, so periods don’t line up exactly.
| Company | Market cap | Growth | Net margin | ROE | P/E | F-score |
|---|---|---|---|---|---|---|
| Flagstar Bank FLG | $4.2B | −19.2% | −8.6% | −2.2% | — | — |
| Pinnacle Financial Partners PNFP | $7.8B | 18.3% | 31.2% | 9.5% | — | — |
| Valley Bank VLY | $7.9B | 9.3% | 29.5% | 7.9% | 11.9x | — |
| Frost Bank CFR | $10.2B | 8.3% | 29.0% | 15.3% | 15.0x | — |
| Columbia Banking System COLB | $7.4B | 19.3% | 23.9% | 8.5% | 12.1x | — |
KIRA
At $10.22 a share, the company is worth $4.2B.
Flagstar Bank grew sales faster than 0 of its 4 similar companies.
Source: SEC EDGAR XBRL filings (CIK 0000910073). Data updated October 18, 2026. For information only — not investment advice. Check the original filings before relying on any figure.