FLG
Flagstar Bank, National Association
Price Chart
Latest Quote
$10.14
-0.08 (-0.78%)
Current Price
| Previous Close | $10.22 |
| Open | $10.23 |
| Day High | $10.25 |
| Day Low | $10.06 |
| Volume | 10,025,537 |
Stock Information
| Quarterly Dividend / Yield | $0.04 / 0.39% |
| Shares Outstanding | 415.09M |
| Quarterly Dividend Yield | 0.39% |
| Quarterly Dividend | $0.04 |
| Total Debt | $10.94B |
| Cash Equivalents | $4.05B |
| Revenue | $2.00B |
| Net Income | $63.00M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $4.21B |
| P/E Ratio | 67.60 |
| EPS (TTM) | $0.15 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $11.46B |
| Sales | $2.00B |
| Income | $63.00M |
| Book/sh | $17.82 |
| Cash/sh | $9.75 |
| Employees | 6K |
Financial Ratios
Returns & Margins
| ROA | 0.11% |
| ROE | 1.22% |
| Operating Margin | 9.25% |
| Profit Margin | 4.79% |
Ownership
| Insider Ownership | 0.98% |
| Institutional Ownership | 92.66% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 13.95 |
| PEG | 0.78 |
| P/S | 2.10 |
| P/B | 0.57 |
Analyst Data
| Recommendation | buy |
| Target Price | $13.53 |
Technical Indicators
| SMA20 | $11.17 |
| SMA50 | $12.30 |
| SMA200 | $13.46 |
| RSI | 27.69 |
| ATR | 0.3529 |
| Shares Float | 285.26M |
| Short Float | 13.94% |
| Short Ratio | 10.00 |
| Volatility | 1.05 |
| Rel Volume | 1.35 |
Performance History
| Week | -8.81% |
| Month | -15.78% |
| Quarter | -27.93% |
| 6 Months | -27.52% |
| YTD | -19.02% |
| Year | -16.01% |
| 3 Years | -65.23% |
| 5 Years | -71.67% |
| 10 Years | -61.91% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-10-27 | $10.14 | 10,025,600 |
| 2026-10-26 | $10.22 | 9,269,000 |
| 2026-10-23 | $10.38 | 24,246,200 |
| 2026-10-22 | $11.44 | 8,496,900 |
| 2026-10-21 | $11.07 | 5,418,500 |
| 2026-10-20 | $11.12 | 7,361,400 |
| 2026-10-19 | $10.96 | 5,583,800 |
| 2026-10-16 | $11.08 | 8,220,900 |
| 2026-10-15 | $11.25 | 5,572,600 |
| 2026-10-14 | $11.11 | 4,112,400 |
| 2026-10-13 | $11.21 | 4,101,800 |
| 2026-10-12 | $11.31 | 5,161,600 |
| 2026-10-09 | $11.32 | 5,867,400 |
| 2026-10-08 | $11.35 | 7,410,600 |
| 2026-10-07 | $11.30 | 6,175,700 |
| 2026-10-06 | $11.56 | 5,892,700 |
| 2026-10-05 | $11.57 | 8,377,800 |
| 2026-10-02 | $11.70 | 4,461,300 |
| 2026-10-01 | $11.69 | 6,536,500 |
| 2026-09-30 | $11.67 | 6,110,400 |
| 2026-09-29 | $11.84 | 6,894,400 |
| 2026-09-28 | $12.04 | 5,930,000 |
About Flagstar Bank, National Association
Flagstar Bank, National Association provides banking products and services in the United States. The company's deposit products include interest-bearing checking and money market, savings, and non-interest-bearing accounts, as well as certificates of deposit. It offers loan products comprising 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 home equity lines of credit, as well as other consumer loans, including overdraft loans. The company offers non-deposit investment and insurance products; and online and mobile banking services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as Flagstar Financial, Inc. Flagstar Bank, National Association was founded in 1859 and is headquartered in Hicksville, New York.
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $2,062,000,000 | $2,584,000,000 | $3,633,000,000 | $1,482,000,000 |
| Operating Revenue | $2,062,000,000 | $2,584,000,000 | $3,633,000,000 | $1,482,000,000 |
| Expenses | ||||
| Interest Expense | $2,745,000,000 | $3,801,000,000 | $2,414,000,000 | $696,000,000 |
| General And Administrative Expense | $1,452,000,000 | $2,058,000,000 | $1,664,000,000 | $512,000,000 |
| Professional Expense And Contract Services Expense | $86,000,000 | $110,000,000 | $55,000,000 | - |
| Other Non Interest Expense | $173,000,000 | $140,000,000 | $180,000,000 | - |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $-177,000,000 | $-1,118,000,000 | $-79,000,000 | $650,000,000 |
| Net Interest Income | $1,721,000,000 | $2,152,000,000 | $3,077,000,000 | $1,396,000,000 |
| Interest Income | $4,466,000,000 | $5,952,000,000 | $5,491,000,000 | $2,092,000,000 |
| Normalized Income | $-126,939,394 | $-943,566,038 | $414,750,000 | $582,324,455 |
| Net Income From Continuing And Discontinued Operation | $-177,000,000 | $-1,118,000,000 | $-79,000,000 | $650,000,000 |
| Net Income Common Stockholders | $-210,000,000 | $-1,153,000,000 | $-117,000,000 | $609,000,000 |
| Net Income | $-177,000,000 | $-1,118,000,000 | $-79,000,000 | $650,000,000 |
| Net Income Including Noncontrolling Interests | $-177,000,000 | $-1,118,000,000 | $-79,000,000 | $650,000,000 |
| Net Income Continuous Operations | $-177,000,000 | $-1,118,000,000 | $-79,000,000 | $650,000,000 |
| Pretax Income | $-198,000,000 | $-1,378,000,000 | $-50,000,000 | $826,000,000 |
| Special Income Charges | $-56,000,000 | $-215,000,000 | $-625,000,000 | $86,000,000 |
| Depreciation Amortization Depletion Income Statement | $107,000,000 | $136,000,000 | $126,000,000 | $5,000,000 |
| Depreciation And Amortization In Income Statement | $107,000,000 | $136,000,000 | $126,000,000 | $5,000,000 |
| Amortization Of Intangibles Income Statement | $107,000,000 | $136,000,000 | $126,000,000 | $5,000,000 |
| Per Share | ||||
| Diluted EPS | $-0.50 | $-3.40 | $9.72 | $3.78 |
| Basic EPS | $-0.50 | $-3.40 | $9.75 | $3.78 |
| Other | ||||
| Tax Effect Of Unusual Items | $-5,939,394 | $-40,566,038 | $-131,250,000 | $18,324,455 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-56,000,000 | $-215,000,000 | $-625,000,000 | $86,000,000 |
| Total Unusual Items Excluding Goodwill | $-56,000,000 | $-215,000,000 | $-625,000,000 | $86,000,000 |
| Reconciled Depreciation | $148,000,000 | $184,000,000 | $165,000,000 | $23,000,000 |
| Diluted Average Shares | $415,327,556 | $330,713,517 | $238,460,495 | $161,711,448 |
| Basic Average Shares | $415,327,556 | $330,713,517 | $237,881,183 | $161,201,131 |
| Diluted NI Availto Com Stockholders | $-210,000,000 | $-1,153,000,000 | $-117,000,000 | $609,000,000 |
| Preferred Stock Dividends | $33,000,000 | $35,000,000 | $33,000,000 | $33,000,000 |
| Tax Provision | $-21,000,000 | $-260,000,000 | $29,000,000 | $176,000,000 |
| Gain On Sale Of Business | $0 | $89,000,000 | $0 | $0 |
| Impairment Of Capital Assets | $0 | $0 | $2,426,000,000 | $0 |
| Restructuring And Mergern Acquisition | $56,000,000 | $227,000,000 | $-1,801,000,000 | $-84,000,000 |
| Gain On Sale Of Security | $31,000,000 | $0 | $0 | $-2,000,000 |
| Amortization | $107,000,000 | $136,000,000 | $126,000,000 | $5,000,000 |
| Selling General And Administration | $1,452,000,000 | $2,058,000,000 | $1,664,000,000 | $512,000,000 |
| Other Gand A | $307,000,000 | $482,000,000 | $389,000,000 | $158,000,000 |
| Insurance And Claims | $169,000,000 | $313,000,000 | $126,000,000 | $0 |
| Salaries And Wages | $976,000,000 | $1,263,000,000 | $1,149,000,000 | $354,000,000 |
| Occupancy And Equipment | $202,000,000 | $211,000,000 | $200,000,000 | $92,000,000 |
| Write Off | - | $77,000,000 | - | - |
| Otherunder Preferred Stock Dividend | - | - | $5,000,000 | $8,000,000 |
| Other Special Charges | - | - | $49,000,000 | $-2,000,000 |
Fetched: 2026-10-27
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $7,762,000,000 | $7,679,000,000 | $6,631,000,000 | $5,078,000,000 |
| Total Assets | $87,512,000,000 | $100,160,000,000 | $114,057,000,000 | $90,144,000,000 |
| Goodwill And Other Intangible Assets | $381,000,000 | $488,000,000 | $1,736,000,000 | $3,746,000,000 |
| Other Intangible Assets | $381,000,000 | $488,000,000 | $1,736,000,000 | $1,320,000,000 |
| Receivables | $2,000,000,000 | $2,412,000,000 | $3,189,000,000 | $1,679,000,000 |
| Other Receivables | $1,700,000,000 | $2,100,000,000 | $3,189,000,000 | $1,679,000,000 |
| Accounts Receivable | $300,000,000 | $312,000,000 | - | - |
| Cash And Cash Equivalents | $5,894,000,000 | $15,430,000,000 | $11,475,000,000 | $2,032,000,000 |
| Cash Financial | $553,000,000 | $434,000,000 | - | - |
| Cash Cash Equivalents And Federal Funds Sold | $5,894,000,000 | $15,430,000,000 | $11,475,000,000 | $2,032,000,000 |
| Debt | ||||
| Net Debt | $6,290,000,000 | - | $9,792,000,000 | $19,300,000,000 |
| Total Debt | $12,184,000,000 | $14,426,000,000 | $21,267,000,000 | $21,332,000,000 |
| Long Term Debt And Capital Lease Obligation | $8,184,000,000 | $11,676,000,000 | $21,267,000,000 | $21,332,000,000 |
| Long Term Debt | $8,184,000,000 | $11,676,000,000 | $21,267,000,000 | $21,332,000,000 |
| Current Debt And Capital Lease Obligation | $4,000,000,000 | $2,750,000,000 | $7,350,000,000 | $10,325,000,000 |
| Current Debt | $4,000,000,000 | $2,750,000,000 | $7,350,000,000 | $10,325,000,000 |
| Other Current Borrowings | $4,000,000,000 | $2,750,000,000 | $7,350,000,000 | $10,325,000,000 |
| Liabilities | ||||
| Minimum Pension Liabilities | $-22,000,000 | $-34,000,000 | $-28,000,000 | $-46,000,000 |
| Total Liabilities Net Minority Interest | $79,369,000,000 | $91,993,000,000 | $105,690,000,000 | $81,320,000,000 |
| Payables And Accrued Expenses | $39,000,000 | $51,000,000 | - | - |
| Payables | $39,000,000 | $51,000,000 | - | - |
| Accounts Payable | $39,000,000 | $51,000,000 | - | - |
| Equity | ||||
| Common Stock Equity | $7,640,000,000 | $7,664,000,000 | $7,864,000,000 | $8,321,000,000 |
| Preferred Stock Equity | $503,000,000 | $503,000,000 | $503,000,000 | $503,000,000 |
| Total Equity Gross Minority Interest | $8,143,000,000 | $8,167,000,000 | $8,367,000,000 | $8,824,000,000 |
| Stockholders Equity | $8,143,000,000 | $8,167,000,000 | $8,367,000,000 | $8,824,000,000 |
| Gains Losses Not Affecting Retained Earnings | $-489,000,000 | $-640,000,000 | $-599,000,000 | $-620,000,000 |
| Retained Earnings | $-988,000,000 | $-763,000,000 | $443,000,000 | $1,041,000,000 |
| Preferred Securities Outside Stock Equity | $1,000,000 | $1,000,000 | $0 | - |
| Other Equity Adjustments | - | $47,000,000 | $10,000,000 | $52,000,000 |
| Other | ||||
| Treasury Shares Number | $6,949,241 | $7,481,550 | $7,363,140 | $8,070,683 |
| Preferred Shares Number | $20,600,000 | $20,600,000 | $20,600,000 | $20,600,000 |
| Ordinary Shares Number | $415,982,036 | $414,934,628 | $240,688,789 | $227,072,444 |
| Share Issued | $422,931,277 | $422,416,178 | $248,051,929 | $235,143,127 |
| Tangible Book Value | $7,259,000,000 | $7,176,000,000 | $6,128,000,000 | $4,575,000,000 |
| Invested Capital | $19,824,000,000 | $22,090,000,000 | $29,131,000,000 | $29,653,000,000 |
| Total Capitalization | $16,327,000,000 | $19,843,000,000 | $29,634,000,000 | $30,156,000,000 |
| Unrealized Gain Loss | $-467,000,000 | $-653,000,000 | $-581,000,000 | $-626,000,000 |
| Treasury Stock | $190,000,000 | $219,000,000 | $218,000,000 | $237,000,000 |
| Additional Paid In Capital | $9,303,000,000 | $9,282,000,000 | $8,236,000,000 | $8,130,000,000 |
| Capital Stock | $507,000,000 | $507,000,000 | $505,000,000 | $510,000,000 |
| Common Stock | $4,000,000 | $4,000,000 | $2,000,000 | $7,000,000 |
| Preferred Stock | $503,000,000 | $503,000,000 | $503,000,000 | $503,000,000 |
| Investments And Advances | $15,766,000,000 | $10,416,000,000 | $9,159,000,000 | $8,640,000,000 |
| Available For Sale Securities | $15,766,000,000 | $14,000,000 | $14,000,000 | $14,000,000 |
| Net PPE | $477,000,000 | $562,000,000 | $652,000,000 | $491,000,000 |
| Accumulated Depreciation | $-532,000,000 | $-569,000,000 | - | - |
| Gross PPE | $1,009,000,000 | $1,131,000,000 | $652,000,000 | $491,000,000 |
| Other Properties | $1,009,000,000 | $1,131,000,000 | $652,000,000 | $491,000,000 |
| Other Short Term Investments | $15,701,000,000 | $10,402,000,000 | $9,145,000,000 | $8,626,000,000 |
| Goodwill | - | - | $0 | $2,426,000,000 |
| Capital Lease Obligations | - | - | - | - |
| Long Term Capital Lease Obligation | - | - | - | - |
Fetched: 2026-10-27
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $-248,000,000 | $50,000,000 | $197,000,000 | $1,023,000,000 |
| Operating Activities | ||||
| Operating Cash Flow | $-181,000,000 | $86,000,000 | $263,000,000 | $1,026,000,000 |
| Cash Flow From Continuing Operating Activities | $-181,000,000 | $86,000,000 | $263,000,000 | $1,026,000,000 |
| Operating Gains Losses | - | $-137,000,000 | $-88,000,000 | $-5,000,000 |
| Investing Activities | ||||
| Capital Expenditure | $-67,000,000 | $-36,000,000 | $-66,000,000 | $-3,000,000 |
| Investing Cash Flow | $2,687,000,000 | $15,453,000,000 | $20,673,000,000 | $-6,323,000,000 |
| Cash Flow From Continuing Investing Activities | $2,687,000,000 | $15,453,000,000 | $20,673,000,000 | $-6,323,000,000 |
| Net Other Investing Changes | $192,000,000 | $267,000,000 | $24,806,000,000 | $143,000,000 |
| Financing Activities | ||||
| Issuance Of Capital Stock | $0 | $1,004,000,000 | $0 | $0 |
| Financing Cash Flow | $-12,088,000,000 | $-11,589,000,000 | $-11,409,000,000 | $5,168,000,000 |
| Cash Flow From Continuing Financing Activities | $-12,088,000,000 | $-11,589,000,000 | $-11,409,000,000 | $5,168,000,000 |
| Net Other Financing Charges | $80,000,000 | $17,000,000 | $-78,000,000 | $-189,000,000 |
| Cash Dividends Paid | $-48,000,000 | $-88,000,000 | $-519,000,000 | $-350,000,000 |
| Preferred Stock Dividend Paid | $-33,000,000 | $-35,000,000 | $-33,000,000 | $-33,000,000 |
| Common Stock Dividend Paid | $-15,000,000 | $-53,000,000 | $-486,000,000 | $-317,000,000 |
| Net Common Stock Issuance | $0 | $1,004,000,000 | $0 | $-24,000,000 |
| Common Stock Issuance | $0 | $1,004,000,000 | $0 | $0 |
| Repurchase Of Capital Stock | - | $-11,000,000 | $-12,000,000 | $-24,000,000 |
| Net Preferred Stock Issuance | - | $1,000,000 | $0 | $0 |
| Preferred Stock Issuance | - | $1,000,000 | $0 | $0 |
| Other | ||||
| Repayment Of Debt | $-6,500,000,000 | $-30,837,000,000 | $-19,374,000,000 | $-13,960,000,000 |
| Issuance Of Debt | $4,000,000,000 | $28,236,000,000 | $19,850,000,000 | $9,479,000,000 |
| Interest Paid Supplemental Data | $2,865,000,000 | $3,693,000,000 | $2,290,000,000 | $657,000,000 |
| End Cash Position | $5,977,000,000 | $15,559,000,000 | $11,609,000,000 | $2,082,000,000 |
| Beginning Cash Position | $15,559,000,000 | $11,609,000,000 | $2,082,000,000 | $2,211,000,000 |
| Changes In Cash | $-9,582,000,000 | $3,950,000,000 | $9,527,000,000 | $-129,000,000 |
| Net Issuance Payments Of Debt | $-2,250,000,000 | $-6,851,000,000 | $-74,000,000 | $-1,931,000,000 |
| Net Short Term Debt Issuance | $250,000,000 | $-4,250,000,000 | $-550,000,000 | $2,550,000,000 |
| Net Long Term Debt Issuance | $-2,500,000,000 | $-2,601,000,000 | $476,000,000 | $-4,481,000,000 |
| Long Term Debt Payments | $-6,500,000,000 | $-30,837,000,000 | $-19,374,000,000 | $-13,960,000,000 |
| Long Term Debt Issuance | $4,000,000,000 | $28,236,000,000 | $19,850,000,000 | $9,479,000,000 |
| Net Investment Purchase And Sale | $-5,082,000,000 | $-968,000,000 | $214,000,000 | $-1,282,000,000 |
| Sale Of Investment | $2,612,000,000 | $2,472,000,000 | $3,260,000,000 | $960,000,000 |
| Purchase Of Investment | $-7,694,000,000 | $-3,440,000,000 | $-3,046,000,000 | $-2,242,000,000 |
| Net Intangibles Purchase And Sale | $0 | $1,418,000,000 | $50,000,000 | $0 |
| Sale Of Intangibles | $0 | $1,418,000,000 | $50,000,000 | $0 |
| Net PPE Purchase And Sale | $-67,000,000 | $-36,000,000 | $-66,000,000 | $-3,000,000 |
| Change In Working Capital | $-84,000,000 | $43,000,000 | $-944,000,000 | $395,000,000 |
| Change In Other Current Liabilities | $-608,000,000 | $-769,000,000 | $-255,000,000 | $-100,000,000 |
| Change In Other Current Assets | $171,000,000 | $282,000,000 | $-721,000,000 | $348,000,000 |
| Other Non Cash Items | $-250,000,000 | $242,000,000 | $-1,998,000,000 | $-159,000,000 |
| Stock Based Compensation | $61,000,000 | $54,000,000 | $47,000,000 | $29,000,000 |
| Asset Impairment Charge | $0 | $0 | $2,426,000,000 | $0 |
| Deferred Tax | $-63,000,000 | $-411,000,000 | $-187,000,000 | $-3,000,000 |
| Deferred Income Tax | $-63,000,000 | $-411,000,000 | $-187,000,000 | $-3,000,000 |
| Depreciation Amortization Depletion | $148,000,000 | $184,000,000 | $165,000,000 | $23,000,000 |
| Depreciation And Amortization | $148,000,000 | $184,000,000 | $165,000,000 | $23,000,000 |
| Net Income From Continuing Operations | $-177,000,000 | $-1,118,000,000 | $-79,000,000 | $650,000,000 |
| Income Tax Paid Supplemental Data | - | $33,000,000 | $54,000,000 | $17,000,000 |
| Common Stock Payments | - | $-11,000,000 | $-12,000,000 | $-24,000,000 |
| Amortization Cash Flow | - | $136,000,000 | $126,000,000 | $5,000,000 |
| Amortization Of Intangibles | - | $136,000,000 | $126,000,000 | $5,000,000 |
| Depreciation | - | $48,000,000 | $39,000,000 | $18,000,000 |
| Gain Loss On Investment Securities | - | $0 | $1,000,000 | $2,000,000 |
| Gain Loss On Sale Of PPE | - | $-89,000,000 | $0 | $-2,000,000 |
| Net Business Purchase And Sale | - | - | $24,901,000,000 | $331,000,000 |
| Sale Of Business | - | - | $24,901,000,000 | $331,000,000 |
| Purchase Of PPE | - | - | $-66,000,000 | $-3,000,000 |
| Gain Loss On Sale Of Business | - | - | $-2,131,000,000 | $-159,000,000 |
| Short Term Debt Issuance | - | - | - | $2,550,000,000 |
Fetched: 2026-10-27