Flagstar Bank vs FNB
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KIRAβs take AI analyst
I put Flagstar Bank and FNB side by side, using each oneβs latest annual report. Here is what stands out:
- Flagstar Bank is the larger business, with $2.1B of revenue in fiscal 2025 against $1.8B for FNB.
- FNB grew revenue faster (10.6%, against β19.2%).
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
Flagstar Bank
FLG
1/5
5-year growth
FNB
FNB
4/5
Revenue growthNet marginReturn on equityShare count change
Side by side
Best in the row
| Latest fiscal year | FLG FY25 | FNB FY25 |
|---|---|---|
| Size | ||
| Market cap | $4.2B | $6.6B |
| Revenue | $2.1B | $1.8B |
| Free cash flow | β | β |
| Net income | β$177M | $565M |
| Growth | ||
| Revenue growth | β19.2% | 10.6% |
| 5-year growth | 12.2% | 7.7% |
| Share count change | 25.6% | β0.2% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | β8.6% | 32.0% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | β2.2% | 8.7% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $15.0M | $224M |
| Valuation & quality | ||
| P/E | β | 10.8x |
| Piotroski F-score | β | β |
Ten years
Revenue
FY16
FLG $1.4B
FNB $813M
FY17
FLG $1.3B
FNB $1.1B
FY18
FLG $1.1B
FNB $1.2B
FY19
FLG $1.0B
FNB $1.2B
FY20
FLG $1.2B
FNB $1.2B
FY21
FLG $1.4B
FNB $1.2B
FY22
FLG $1.6B
FNB $1.4B
FY23
FLG $5.8B
FNB $1.6B
FY24
FLG $2.6B
FNB $1.6B
FY25
FLG $2.1B
FNB $1.8B
FLG
FNB
Operating margin
FY16
FLG β
FNB β
FY17
FLG β
FNB β
FY18
FLG β
FNB β
FY19
FLG β
FNB β
FY20
FLG β
FNB β
FY21
FLG β
FNB β
FY22
FLG β
FNB β
FY23
FLG β
FNB β
FY24
FLG β
FNB β
FY25
FLG β
FNB β
FLG
FNB
Free cash flow
FY16
FLG β
FNB β
FY17
FLG β
FNB β
FY18
FLG β
FNB β
FY19
FLG β
FNB β
FY20
FLG β
FNB β
FY21
FLG β
FNB β
FY22
FLG β
FNB β
FY23
FLG β
FNB β
FY24
FLG β
FNB β
FY25
FLG β
FNB β
FLG
FNB
Return on capital
FY16
FLG β
FNB β
FY17
FLG β
FNB β
FY18
FLG β
FNB β
FY19
FLG β
FNB β
FY20
FLG β
FNB β
FY21
FLG β
FNB β
FY22
FLG β
FNB β
FY23
FLG β
FNB β
FY24
FLG β
FNB β
FY25
FLG β
FNB β
FLG
FNB
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.