FLG - NYSE

Flagstar Financial, Inc.

FLG·NYSE

$13.77

-0.76%

Financial ServicesBanks - Regional

Flagstar Financial, Inc. operates as the bank holding company for Flagstar Bank, N.A. that provides banking products and services in the United States. The company's deposit products include interest-bearing checking and money market, savings, non-interest-bearing, and retirement accounts, as well as certificates of deposit. Its loan products comprise multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial and industrial loans; one-to-four family loans; specialty finance loans and leases; warehouse loans; and other loans, such as home equity lines of credit, boat and recreational vehicle indirect lending, point of sale consumer loans, and other consumer loans, including overdraft loans. The company offers cash management products; non-deposit investment and insurance products; and online banking, mobile banking, and bank-by-phone services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as New York Community Bancorp, Inc. and changed its name to Flagstar Financial, Inc. in October 2024. Flagstar Financial, Inc. was founded in 1859 and is headquartered in Hicksville, New York.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$5.74B

EPS-0.5100

P/E Ratio-27.00

Earnings Date07/24/2026

87.51B

Assets

-13%

3Y-3.0%

5Y+55.0%

10Y+79.0%

79.37B

Total Liabilities

-14%

3Y-2.0%

5Y+60.0%

10Y+85.0%

8.14B

Total Equity

3Y-8.0%

5Y+19.0%

10Y+33.0%

Flagstar Financial, Inc. Funding & Solvency Profile

FLG · NYSE

Current Assets

Cash & Cash Equivalents553.00M

Net Receivables0.00

Inventory0.00

Other Current Assets0.00

Total Current Assets16 B

Non-Current Assets

Property, Plant & Equipment477.00M

Goodwill & Intangible Assets381.00M

Long-Term Investments0.00

Other Non-Current Assets0.00

Total Non-Current Assets477 M

Total Assets

87.51B

Financial Health Analysis

Current Ratio

0.54x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

9.75x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-14039000000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

19% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Flagstar Financial, Inc. Balance Sheet

FLG • NYSE

Flagstar Financial, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	553M	15.4B	11.5B	2B	2.2B	1.9B	741.9M	1.5B	2.5B	557.9M	537.7M	564.2M	644.6M	2.4B	2B	1.9B	2.7B	203.2M	335.7M	230.8M
Short-Term Investments	15.7B	10.4B	9.1B	8.6B	4.6B	4.5B	4.5B	4.4B	2.3B	104.3M	204.3M	173.8M	280.7M	429.3M	724.7M	653M	1.5B	1B	1.4B	1.9B
Cash & Short-Term Investments	16.3B	25.8B	20.6B	10.7B	6.8B	6.5B	5.2B	5.9B	4.8B	662.1M	741.9M	737.9M	925.3M	2.9B	2.7B	2.6B	4.2B	1.2B	1.7B	2.2B
Net Receivables	0.0	2.1B	3.2B	1.7B	1.8B	1.7B	1.3B	683.1M	662.6M	802.9M	679.9M	606.5M	594.1M	566.5M	695.2M	814.1M	743.3M	1.4M	4.3M	7.1M
Other Receivables	0.0	2.1B	3.2B	1.7B	1.8B	1.7B	1.3B	683.1M	662.6M	802.9M	679.9M	606.5M	594.1M	566.5M	695.2M	814.1M	743.3M	1.4M	4.3M	7.1M
Total Current Assets	16.3B	27.9B	23.8B	12.3B	8.6B	8.2B	6.5B	6.5B	5.5B	1.5B	1.4B	1.3B	1.5B	3.4B	3.4B	3.4B	4.9B	1.2B	1.7B	2.2B
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	477M	562M	652M	491M	270M	554M	598.8M	346.2M	368.7M	373.7M	322.3M	319M	273.3M	264.1M	250.9M	233.7M	205.2M	217.8M	214.9M	196.1M
Goodwill	0.0	0.0	0.0	2.4B	2.4B	2.4B	2.4B	2.4B	2.4B	2.4B	2.4B	2.4B	2.4B	2.4B	2.4B	2.4B	2.4B	2.4B	2.4B	2.1B
Intangible Assets	381M	514M	1.7B	1.3B	0.0	0.0	0.0	780K	6.1M	234.2M	250.3M	235.2M	257.3M	176.7M	168.7M	185.1M	105.8M	87.8M	111.1M	106.4M
Goodwill & Intangible Assets	381M	514M	1.7B	3.7B	2.4B	2.4B	2.4B	2.4B	2.4B	2.7B	2.7B	2.7B	2.7B	2.6B	2.6B	2.6B	2.5B	2.5B	2.5B	2.3B
Long-Term Investments	0.0	65.9B	81.6B	68.1B	43.8B	41.1B	40.5B	39.4B	37.6B	40.5B	41.5B	42.4B	40.3B	36.1B	34B	33.2B	32.5B	27B	24.6B	22.5B
Other Non-Current Assets	0.0	5.3B	6.2B	5.5B	4.5B	4B	3.6B	3.2B	3.3B	3.9B	4.4B	1.9B	1.9B	1.8B	1.8B	1.8B	2B	1.5B	1.5B	1.3B
Total Non-Current Assets	858M	72.2B	90.2B	77.8B	50.9B	48.1B	47.1B	45.4B	43.7B	47.5B	48.9B	47.2B	45.2B	40.7B	38.6B	37.8B	37.2B	31.3B	28.9B	26.3B
Other Assets	70.4B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Assets	87.5B	100.2B	114.1B	90.1B	59.5B	56.3B	53.6B	51.9B	49.1B	48.9B	50.3B	48.6B	46.7B	44.1B	42B	41.2B	42.2B	32.5B	30.6B	28.5B
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	0.0	18M	19M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Accounts Payable	0.0	0.0	0.0	0.0	18M	19M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Short Term Debt	0.0	3.8B	7.4B	10.3B	4.6B	800M	800M	500M	450M	1.7B	1.9B	3.7B	3.9B	4.2B	4.2B	4.7B	4.8B	4.6B	4.4B	3.8B
Other Current Liabilities	30.3B	75.9B	81.5B	58.7B	35.1B	32.4B	31.7B	30.8B	29.1B	28.9B	28.4B	28.3B	25.7B	24.9B	22.3B	21.8B	22.3B	14.4B	13.2B	12.6B
Total Current Liabilities	30.3B	79.6B	88.9B	69B	39.6B	33.3B	32.5B	31.3B	29.6B	30.5B	30.4B	32B	29.5B	29.1B	26.5B	26.5B	27.1B	19B	17.6B	16.5B
NON-CURRENT LIABILITIES
Long Term Debt	12.2B	10.7B	21.3B	21.3B	15.8B	15.3B	13.8B	13.7B	12.5B	12B	13.8B	10.5B	11.2B	9.2B	9.8B	9.4B	10B	8.9B	8.5B	8.1B
Other Non-Current Liabilities	36.9B	1.7B	-4.5B	-9.1B	-3.2B	657M	428.4M	271.8M	313M	241.3M	207.9M	222.2M	190.9M	185.4M	78.2M	-289.2M	-350.7M	375.3M	324.5M	273.4M
Total Non-Current Liabilities	49.1B	12.4B	16.8B	12.3B	12.9B	16.2B	14.5B	14B	12.8B	12.3B	14B	10.8B	11.4B	9.4B	9.9B	9.1B	9.7B	9.2B	8.8B	8.3B
Capital Lease Obligations	0.0	0.0	0.0	0.0	249M	267M	286M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	79.4B	92B	105.7B	81.3B	52.5B	49.5B	46.9B	45.2B	42.3B	42.8B	44.4B	42.8B	41B	38.5B	36.5B	35.7B	36.8B	28.2B	26.4B	24.8B
SHAREHOLDERS' EQUITY
Treasury Stock	-190M	-219M	-218M	-237M	-246M	-258M	-220.7M	-162M	-7.6M	-160K	-447K	-1.1M	-1M	-1.1M	-996K	0.0	0.0	0.0	0.0	0.0
Preferred Stock	504M	503M	503M	503M	503M	503M	502.8M	502.8M	502.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Common Stock	4M	4M	2M	7M	5M	5M	4.9M	4.9M	4.9M	4.9M	4.9M	4.4M	4.4M	4.4M	4.4M	4.4M	4.3M	3.5M	3.2M	3M
Additional Paid-In Capital	9.3B	9.3B	8.2B	8.1B	6.1B	6.1B	6.1B	6.1B	6.1B	6B	6B	5.4B	5.3B	5.3B	5.3B	5.3B	5.2B	4.2B	3.8B	3.3B
Retained Earnings	-988M	-763M	443M	1B	741M	494M	342M	297.2M	237.9M	128.4M	-36.6M	464.6M	422.8M	387.5M	325M	281.8M	175.2M	123.5M	390.8M	421.3M
Accumulated Other Comprehensive Income/Loss	-489M	-640M	-599M	-620M	-85M	-25M	-32.8M	-87.7M	-15.2M	-56.7M	-57M	-55.7M	-36.5M	-61.7M	-71.9M	-45.7M	-49.9M	-87.3M	-21.3M	-68.1M
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-951K	-2M	-3.1M	-7.7M
Total Stockholders' Equity	8.1B	8.2B	8.4B	8.8B	7B	6.8B	6.7B	6.7B	6.8B	6.1B	5.9B	5.8B	5.7B	5.7B	5.6B	5.5B	5.4B	4.2B	4.2B	3.7B
Total Equity	8.1B	8.2B	8.4B	8.8B	7B	6.8B	6.7B	6.7B	6.8B	6.1B	5.9B	5.8B	5.7B	5.7B	5.6B	5.5B	5.4B	4.2B	4.2B	3.7B
SUMMARY
Total Liabilities & Equity	87.5B	100.2B	114.1B	90.1B	59.5B	56.3B	53.6B	51.9B	49.1B	48.9B	50.3B	48.6B	46.7B	44.1B	42B	41.2B	42.2B	32.5B	30.6B	28.5B
Total Investments	15.7B	76.3B	90.8B	76.7B	48.6B	45.8B	45.1B	43.9B	40B	40.8B	41.8B	42.7B	40.6B	36.5B	34.9B	33.8B	34.1B	28.1B	26B	24.5B
Total Debt	12.2B	14.4B	28.6B	31.7B	20.6B	16.4B	14.8B	14.2B	12.9B	13.7B	15.7B	14.2B	15.1B	13.4B	14.1B	14.1B	14.8B	13.5B	12.9B	11.9B
Net Debt	11.6B	-1B	17.1B	29.6B	18.4B	14.4B	14.1B	12.7B	10.4B	13.1B	15.2B	13.7B	14.5B	11B	12.1B	12.2B	12.2B	13.3B	12.6B	11.7B
Shares Outstanding	415,746,251	415,746,251	415,746,251	415,746,251	415,746,251	415,746,251	415,746,251	415,746,251	415,746,251	415,746,251	415,746,251	415,746,251	415,746,251	415,746,251	415,746,251	415,746,251	415,746,251	415,746,251	415,746,251	415,746,251

SEC Filings

FLG - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 18, 2026	May 18, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 07, 2026	March 31, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 30, 2026	June 09, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 24, 2026	April 24, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 27, 2026	March 25, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 27, 2026	February 27, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 27, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 30, 2026	January 30, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 30, 2026	January 30, 2026	2026	View Filing
10-Q 10-Q 2025 Q3 Q3	November 06, 2025	September 30, 2025	2025	View Filing

Showing 1 to 10 of 697 filings

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