FF

Flagstar Financial, Inc.

FLGยทNYSE

$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.

At a Glance

Live Snapshot
Market Cap$5.74B
EPS-0.5100
P/E Ratio-27.00
Earnings Date07/24/2026
3Y+116.0%
5Y+165.0%
10Y+157.0%
3Y-127.0%
5Y-135.0%
10Y-136.0%
3Y-152.0%
5Y-260.0%
10Y-171.0%
FF

Flagstar Financial, Inc. Profit Bridge

FLG ยท NYSE
Revenue4.70B
Cost of Goods Sold (2.93B)
Gross Profit1.77B
Operating Expenses (1.96B)
Operating Income-198.00M
Interest Expense (2.75B)
Other Income/Expense0.00
Pretax Income-198.00M
Income Tax (-21.00M)
Net Income-177.00M
Net Income
-177.00M

Profitability Analysis

Gross Margin

37.6%

Strong gross margins indicate healthy pricing and efficient production or service delivery.

Operating Margin

-4.2%

Operating losses indicate the core business is unprofitable. Requires restructuring or revenue growth.

Net Profit Margin

-3.8%

Net losses indicate the company is burning cash. Sustainability depends on path to profitability.

Profitability Insight

Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.

Flagstar Financial, Inc. Income Statement

FLG โ€ข NYSE

Flagstar Financial, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
4.7B
6.4B
6B
2.2B
1.8B
1.8B
1.9B
1.8B
1.8B
1.8B
1.9B
1.9B
1.9B
2.1B
2.1B
2.2B
1.6B
1.6B
1.6B
1.5B
GROSS PROFIT
(2.9B)
(4.9B)
(3.2B)
(829M)
(403M)
(670M)
(855M)
(676.9M)
(489.5M)
(391.7M)
(1.3B)
(524.1M)
(572.2M)
(694.1M)
(766.7M)
(836.7M)
(792.3M)
(937.3M)
(950.2M)
(847.1M)
1.8B
1.5B
2.8B
1.3B
1.3B
1.1B
1B
1.1B
1.3B
1.4B
629.9M
1.4B
1.3B
1.4B
1.3B
1.4B
850.3M
666.4M
664.6M
652.4M
OPERATING INCOME
(2B)
(2.9B)
(2.9B)
(523M)
(541M)
(511M)
(511M)
(546.6M)
(660.4M)
(657.8M)
(761.9M)
(602.3M)
(597.4M)
(601.4M)
(573.3M)
(560.3M)
(257.2M)
(612.6M)
(262.5M)
(303.7M)
(1.2B)
(2.4B)
(1.9B)
(512M)
(430M)
(425M)
(422M)
(446.5M)
(561.2M)
(545.7M)
(522.5M)
(495M)
(478.3M)
(488.7M)
(470.1M)
(435.4M)
(305.1M)
(250.2M)
(230M)
(199.6M)
-198M
-1.4B
-50M
826M
806M
588M
523M
557.7M
668.2M
777.1M
-132M
773.1M
747.1M
780.9M
734.6M
837.5M
593.1M
53.8M
402.1M
348.7M
PRE-TAX INCOME
(2.7B)
(3.8B)
(2.4B)
(696M)
(400M)
(608M)
(848M)
(658.7M)
(452.2M)
(387.5M)
(1.3B)
(542.7M)
(541.5M)
(631.1M)
(666.2M)
(733.8M)
(729.3M)
(929.6M)
(950.2M)
(847.1M)
1.7B
2.2B
3.1B
1.4B
1.3B
1.1B
957M
1B
1.1B
1.3B
408.1M
1.1B
1.2B
1.2B
1.2B
1.2B
905.3M
675.5M
616.5M
561.6M
(786M)
(484M)
(951M)
(11M)
(111M)
(86M)
(89M)
(100.1M)
(99.2M)
(112.1M)
(239.4M)
(107.3M)
(119M)
(112.7M)
(103.1M)
(124.9M)
-47.9M
(362.4M)
(32.5M)
(104.1M)
-198M
-1.4B
-50M
826M
806M
588M
523M
557.7M
668.2M
777.1M
-132M
773.1M
747.1M
780.9M
734.6M
837.5M
593.1M
53.8M
402.1M
348.7M
NET INCOME
-21M
-260M
(29M)
(176M)
(210M)
(77M)
(128M)
(135.3M)
(202M)
(281.7M)
-84.9M
(287.7M)
(271.6M)
(279.8M)
(254.5M)
(296.5M)
(194.5M)
-24.1M
(123M)
(116.1M)
-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

SEC Filings

FLG - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
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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