FLG

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Flagstar Bank, N.A.

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Key Metrics

Previous Close: $11.70
52-Week Range: $10.57 – $15.44
Market Cap: $4.80B
P/E (TTM): 385.67
EPS (TTM): 0.03
Dividend Yield: 0.34%

Advanced Metrics

Price/Book: 0.63
PEG Ratio: 0.78
Return on Equity: 0.59%
Return on Assets: 0.05%
Gross Margin: 0.00%
Operating Margin: 20.28%
Profit Margin: 2.36%
Current Ratio: —
Debt/Equity: —
Total Debt: $11.38B
Free Cash Flow: —
Revenue Growth: 15.30%
Earnings Growth: —
Enterprise Value: $11.61B

FLG Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$1.48B	$3.63B	$2.58B	$2.06B
Selling, General & Admin	$512.00M	$1.66B	$2.06B	$1.45B
Pretax Income	$826.00M	-$50.00M	-$1.38B	-$198.00M
Income Tax	$176.00M	$29.00M	-$260.00M	-$21.00M
Net Income	$650.00M	-$79.00M	-$1.12B	-$177.00M
Diluted EPS	3.78	9.72	-3.40	-0.50
Diluted Shares	161.71M	238.46M	330.71M	415.33M

FLG Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$2.03B	$11.47B	$15.43B	$5.89B
Receivables	$1.68B	$3.19B	$2.41B	$2.00B
Total Assets	$90.14B	$114.06B	$100.16B	$87.51B
Long-Term Debt	$21.33B	$21.27B	$11.68B	$8.18B
Total Debt	$21.33B	$21.27B	$14.43B	$12.18B
Total Liabilities	$81.32B	$105.69B	$91.99B	$79.37B
Retained Earnings	$1.04B	$443.00M	-$763.00M	-$988.00M
Shareholders' Equity	$8.82B	$8.37B	$8.17B	$8.14B
Net Debt	$19.30B	$9.79B	—	$6.29B

FLG Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$1.03B	$263.00M	$86.00M	-$181.00M
Capital Expenditure	-$3.00M	-$66.00M	-$36.00M	-$67.00M
Free Cash Flow	$1.02B	$197.00M	$50.00M	-$248.00M
Depreciation & Amortisation	$23.00M	$165.00M	$184.00M	$148.00M
Stock-Based Compensation	$29.00M	$47.00M	$54.00M	$61.00M
Investing Cash Flow	-$6.32B	$20.67B	$15.45B	$2.69B
Financing Cash Flow	$5.17B	-$11.41B	-$11.59B	-$12.09B
Dividends Paid	-$350.00M	-$519.00M	-$88.00M	-$48.00M
Share Repurchases	-$24.00M	-$12.00M	-$11.00M	—
Net Change in Cash	-$129.00M	$9.53B	$3.95B	-$9.58B

FLG Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$496.00M	$519.00M	$557.00M	$498.00M	$516.00M
Selling, General & Admin	$358.00M	$432.00M	$160.00M	$322.00M	$313.00M
Pretax Income	-$81.00M	-$41.00M	$45.00M	$32.00M	$48.00M
Income Tax	-$11.00M	-$5.00M	$16.00M	$11.00M	$14.00M
Net Income	-$70.00M	-$36.00M	$29.00M	$21.00M	$34.00M
Diluted EPS	-0.19	-0.11	0.05	0.03	0.06
Diluted Shares	415.13M	415.56M	458.73M	466.55M	473.62M

FLG Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$8.09B	$8.48B	$5.89B	$7.01B	$5.11B
Receivables	$1.90B	$1.80B	$2.00B	$1.70B	$1.80B
Total Assets	$92.24B	$91.67B	$87.51B	$87.13B	$87.71B
Long-Term Debt	$10.68B	$10.68B	$8.18B	$7.68B	$6.69B
Total Debt	$13.18B	$13.18B	$12.18B	$11.19B	$10.94B
Total Liabilities	$84.14B	$83.56B	$79.37B	$79.01B	$79.57B
Retained Earnings	-$957.00M	-$1.01B	-$988.00M	-$980.00M	-$958.00M
Shareholders' Equity	$8.10B	$8.11B	$8.14B	$8.12B	$8.14B
Net Debt	$5.09B	$4.70B	$6.29B	$4.18B	$5.83B

FLG Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$355.00M	$243.00M	-$189.00M	-$118.00M	$226.00M
Capital Expenditure	-$7.00M	-$10.00M	-$38.00M	-$20.00M	-$26.00M
Free Cash Flow	$348.00M	$233.00M	-$227.00M	-$138.00M	$200.00M
Depreciation & Amortisation	$37.00M	$37.00M	$35.00M	$35.00M	$33.00M
Stock-Based Compensation	$14.00M	$17.00M	$15.00M	$14.00M	$19.00M
Investing Cash Flow	$589.00M	$757.00M	$1.77B	$1.41B	-$2.56B
Financing Cash Flow	-$5.42B	-$612.00M	-$4.16B	-$188.00M	$424.00M
Dividends Paid	-$12.00M	-$13.00M	-$11.00M	-$13.00M	-$12.00M
Share Repurchases	-$1.00M	-$2.00M	—	—	—
Net Change in Cash	-$4.48B	$388.00M	-$2.58B	$1.11B	-$1.91B

Market Snapshot

About

Flagstar Bank, N.A. is a full-service commercial bank offering banking, lending, and wealth management services to consumers and businesses across the United States. The bank operates through retail banking branches, commercial lending offices, and wholesale mortgage operations, providing products including deposits, residential and commercial mortgages, home equity lending, and small business services. Flagstar has grown significantly through strategic acquisitions including the merger with New York Community Bancorp, expanding its geographic footprint and service capabilities. The institution emphasizes community banking relationships combined with broader product offerings and digital banking technologies.