$13.77
-0.76%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.
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extension—monitor closely.
Working capital strain: Significant cash tied up in operations. Monitor receivables collection, inventory turns, and payment terms to optimize cash conversion cycle.
FLG • NYSE
| Flagstar Financial, Inc. Cash Flow Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
-177M | -1.1B | -79M | 650M | 596M | 511M | 395M | 422.4M | 466.2M | 495.4M | -47.2M | 485.4M | 475.5M | 501.1M | 480M | 541M | 398.6M | 77.9M | 279.1M | 232.6M | |
0.0 | 184M | 165M | 23M | 21M | 24M | 27M | 32.3M | 33M | 35.2M | 36.8M | 36.1M | 43.9M | 45.1M | 49.6M | 51.4M | 42.8M | 43.1M | 41.7M | 33.3M | |
0.0 | -411M | -187M | -3M | -13M | 219M | 101M | 23.2M | 21.4M | 44.7M | -31.3M | 26.2M | 25.2M | 38.7M | 28.3M | 0.0 | 0.0 | -31.1M | 32.9M | 53.3M | |
0.0 | 54M | 47M | 29M | 31M | 29M | 32M | 36.3M | 36M | 32.7M | 30.2M | 27.5M | 22.2M | 20.7M | 16.7M | 15.8M | 13.3M | 13.7M | 12.3M | 12.1M | |
80M | 1.3B | 1.3B | -68M | -3M | 72M | 0.0 | 49.5M | 2B | 4.5B | 4.5B | 3.2B | 7.1B | 10.9B | 7.4B | 10.1B | 851.1M | 175.1M | 17.5M | 26K | |
(0.0) | (33M) | (54M) | (17M) | (471M) | (118M) | (76M) | (44.1M) | (217.7M) | (180.2M) | (187.6M) | (247.6M) | (212.2M) | (286.6M) | (152.1M) | (307.9M) | (182.8M) | (13.1M) | (98.1M) | (14M) | |
-437M | 43M | -944M | 395M | -342M | -521M | -45M | -23.4M | -1.2B | -4.3B | -4.9B | -3.1B | -6.3B | -10.9B | -7.2B | -10.8B | -1.1B | -33.9M | -87.2M | -40.6M | |
-534M | 86M | 263M | 1B | 290M | 334M | 510M | 540.4M | 1.3B | 755.7M | -420.4M | 722.4M | 1.4B | 576M | 830.2M | -69.7M | 215.4M | 244.8M | 296.2M | 290.7M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-67M | -36M | -66M | -3M | -4M | (1M) | (9M) | -9.8M | -27.8M | -84.2M | -34.8M | -73.5M | -37.2M | -38.8M | -40.7M | -48.6M | -7.4M | -22.6M | -8.8M | -11.5M | |
(0.0) | (0.0) | (24.9B) | (331M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (100M) | (140.9M) | (4B) | (0.0) | (159.2M) | -325.8M | |
-7.7B | -3.4B | -3B | -2.2B | -1.8B | -2.5B | -2.5B | -3.3B | -1.2B | -492.6M | -338M | -376.3M | -4.6B | -4.1B | -3.9B | -4B | -1.8B | -2.7B | -2.5B | -195.6M | |
2.6B | 2.5B | 3.3B | 960M | 1.7B | 2.5B | 2.3B | 1.1B | 1.6B | 2.9B | 1.3B | 1.3B | 1.6B | 3.7B | 4.2B | 5B | 2.7B | 2.5B | 3B | 2B | |
8.2B | 16.5B | -4.4B | -5.4B | -2.7B | -1.1B | -1.9B | -1.8B | 700.6M | -1.1B | -2.3B | -3B | -2.1B | -1.3B | -1.5B | 227.8M | -1.1B | -1.9B | 1.3B | -1.5B | |
(3B) | (15.5B) | (20.7B) | -6.3B | -2.8B | -1B | -2.1B | -4B | (1.1B) | (1.2B) | -1.4B | -2.1B | -5.2B | -1.7B | -1.2B | (1.3B) | (3.7B) | -2.1B | (2B) | (30.7M) | |
FINANCING ACTIVITIES | ||||||||||||||||||||
0.0 | 993M | -12M | -24M | -16M | -59M | -75M | -163.2M | -18.5M | -8.7M | 622.7M | -7.3M | -5.3M | -3.5M | -3.7M | 24.9M | 987.6M | 336.9M | -175K | 397.7M | |
-2.3B | -6.9B | -74M | -1.9B | 478M | 1.5B | 348M | 1.3B | -760M | -2.1B | 1.5B | -878.5M | 1.7B | -530.2M | 424.3M | -673.1M | -1.9B | 581M | 92.5M | 834.6M | |
-48M | -88M | -519M | -350M | -349M | -349M | -350M | -365.9M | -356.8M | -330.8M | -454M | -442.2M | -440.3M | -438.5M | -436.9M | -434.4M | -347.6M | -333.5M | -310.2M | -286.8M | |
(0.0) | -11M | -12M | -24M | -16M | -59M | -75M | -163.2M | -18.5M | -8.7M | -7M | -7.3M | -5.3M | -3.5M | -3.7M | -4.1M | -24.6M | -2.2M | -175K | -2.4M | |
-9.8B | -5.6B | -10.8B | 7.5B | 2.6B | 780M | 893M | 1.7B | 214.3M | 461.1M | 100.5M | 2.7B | 785.5M | 2.6B | 471.3M | -890.2M | -261.9M | 1.2B | -2B | -1.3B | |
-12.1B | -11.6B | -11.4B | 5.2B | 2.7B | 1.9B | 816M | 2.4B | -418.1M | -2B | 1.8B | 1.3B | 2B | 1.6B | 455M | -2B | -1.5B | 1.7B | -2.2B | -322.4M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-9.6B | 4B | 9.5B | -129M | 263M | 1.2B | -733M | -1.1B | 2B | 20.2M | -26.5M | -80.4M | -1.8B | 425.5M | 74.2M | -743.3M | 2.5B | -132.5M | 105M | -1M | |
15.6B | 11.6B | 2.1B | 2.2B | 1.9B | 742M | 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 | 231.8M | |
6B | 15.6B | 11.6B | 2.1B | 2.2B | 1.9B | 742M | 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 | |
-601M | 50M | 197M | 1B | 286M | 334M | 510M | 530.5M | 1.3B | 671.5M | -455.2M | 648.9M | 1.3B | 537.3M | 789.5M | -118.3M | 208M | 222.2M | 287.4M | 278.6M |
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 | |
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 30, 2026 | June 09, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 24, 2026 | April 24, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 27, 2026 | March 25, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 27, 2026 | February 27, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 27, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 30, 2026 | January 30, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 30, 2026 | January 30, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 06, 2025 | September 30, 2025 | 2025 |
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