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Flagstar Bank

FLG NYSE Regional Banks Financials FY2016–FY2025

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.

Download report 3-page PDF: the company, its results and charts with peers.

Last close · Oct 23, 2026

$10.38

9.3%
Compare

What Flagstar Bank does

FLG · Regional Banks

From its latest annual report

No business description yet.

Filing details

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

KIRA’s summary AI analyst

Hi! I read Flagstar Bank’s latest annual report (fiscal 2025). Here is what stands out:

3 to watch

1.Sales and profit

See section →
  • 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.

2.Cash and shareholders

See section →
  • Flagstar Bank returned $15.0M to shareholders in fiscal 2025. The diluted share count rose 25.6%.
  • In the last 12 months, insiders bought $0.0M of shares on the open market and sold none.

Flagstar Bank in 30 seconds

Good So-so Weak

Weak

Are sales growing?

−19.2%

No. Sales fell 19.2% last year.

Weak

Does it make a profit?

−8.6%

No. It lost money last year.

Weak

How lean are its costs?

100.7%

Costly. Running costs take 100.7% of revenue.

Weak

How much does it earn on its capital?

−2.2%

Low. It earns −2.2% a year on shareholders’ money.

Rules of thumb on reported numbers. A starting point, not a recommendation.

Key numbers, fiscal 2025

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.
—

Revenue

Total sales reported in the income statement.

KIRA · 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.

See the full section →

Efficiency ratio

Noninterest expense as a share of revenue. Lower is better for banks.

KIRA · It earned −2.2% on shareholders’ money. Running costs took 100.7% of revenue (the efficiency ratio; lower is better).

See the full section →

Net income

Profit after all expenses, interest and tax.

KIRA · Flagstar Bank lost $177M in fiscal 2025.

See the full section →

Return on equity

Net income as a share of average shareholders' equity.

KIRA · It earned −2.2% on shareholders’ money. Running costs took 100.7% of revenue (the efficiency ratio; lower is better).

See the full section →

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.

Charts by

Sales and profit

Is it selling more, and how much does it keep?

Results dates

In plain words: Every quarter, companies publish how much they sold and earned. These are the days Flagstar Bank did it, and the next one. Share prices often move a lot on those days.

Next results

January 29, 2027

Friday · in 95 days

Time
Before the market opens
Covers
Period ended Dec 31, 2026
Source
Stoqly estimate

Estimated from the same quarter last year. It will be replaced by the announced date once there is one.

See who else reports that week →
Date Results for Time Source
Oct 23, 2026 Period ended Sep 30, 2026 Before the market opens 8-K ↗
Jul 24, 2026 Q2 '26 Before the market opens 8-K ↗
Apr 24, 2026 Q1 '26 Before the market opens 8-K ↗
Jan 30, 2026 Period ended Dec 31, 2025 Before the market opens 8-K ↗
Oct 24, 2025 Period ended Sep 30, 2025 Before the market opens 8-K ↗
Jul 25, 2025 Period ended Jun 30, 2025 Before the market opens 8-K ↗
Apr 25, 2025 Period ended Mar 31, 2025 Before the market opens 8-K ↗
Jan 30, 2025 Q4 '24 Before the market opens 8-K ↗

From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.

Revenue and margins

KIRA · 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.

In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).

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

KIRA · Flagstar Bank lost $177M in fiscal 2025.

Loss periods are shown in red.

In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.

Net income

Net income

Diluted EPS

Diluted EPS

Cash and shareholders

How much cash comes in, and where does it go?

Dividends, buybacks and share count

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

In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).

Dividends and buybacks

Dividends Buybacks

Dividends and buybacks

Dividends Buybacks

Diluted shares outstanding (annual)

Insider trades

KIRA · In the last 12 months, insiders bought $0.0M of shares on the open market and sold none.

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.

In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.

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

Financial health

Can it carry its debts, and how well does it use its money?

Balance sheet

Loans, deposits and capital at each fiscal year end.

In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.

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%

Returns and efficiency

KIRA · It earned −2.2% on shareholders’ money. Running costs took 100.7% of revenue (the efficiency ratio; lower is better).

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

In plain words: Return on equity is the profit made on shareholders’ money each year. The efficiency ratio is how much of each dollar of revenue goes on running costs, so lower is better.

Return on equity, return on tangible equity and efficiency ratio

ROE ROTE Efficiency ratio

Price and value

What does the share cost, and how does it compare?

Similar companies

KIRA · Flagstar Bank grew sales faster than 0 of its 4 similar companies.

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

In plain words: The same numbers for similar companies, so you can tell whether a figure is high or low for this kind of business.

CompanyMarket capGrowthOp. marginFCF marginROICP/EF-score
Flagstar Bank FLG $4.3B −19.2% — — — — —
Pinnacle Financial Partners PNFP $7.8B 18.3% — — — — — 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 →

All figures

Every number, year by year.

10 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.

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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