FLG
Flagstar Bank·NYSE
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FLG fundamentals
Flagstar Bank (FLG) released its earnings on Jan 30, 2026: revenue was 557.00M (YoY -10.88%), beat estimates; EPS was 0.05 (YoY +112.20%), beat estimates.
Revenue / YoY
557.00M
-10.88%
EPS / YoY
0.05
+112.20%
Report date
Jan 30, 2026
FLG Earnings Call Summary for Q4,2025
- Profitability Returned: Q4 2025 adjusted net income of $30M ($0.06 EPS), reversing Q3 loss.
- NIM Expansion: 14 bps QoQ to 2.05%, driven by cost control and deposit repricing.
- C&I Growth: $6B-$7.5B 2026 target, 28% QoQ commitment growth in Q4.
- CRE Payoff Strategy: $3.5B-$5B 2026 guidance (50% substandard), reducing CRE concentration to 381%.
- Capital Strength: 12.83% CET1 ratio, $1.4B excess capital for potential buybacks.
- Risk Management: 1.79% ACL coverage, 98% NYC multifamily occupancy, 3.44% ACL on regulated loans.
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Revenue & Expenses
Key Indicators
Flagstar Bank (FLG) key financial stats and ratios, covering profitability, financial health, and leverage.
Income Statement
Flagstar Bank (FLG)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Balance Sheet
Flagstar Bank (FLG)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Cash Flow
Flagstar Bank (FLG)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Revenue Breakdown
Where does Flagstar Bank (FLG) generate its revenue? Explore its key revenue streams and top earning regions.
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Dividend
Track Flagstar Bank (FLG) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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Dividend Yield
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Did Flagstar Bank beat or miss consensus estimates last quarter?What is the market's earnings forecast for Flagstar Bank next quarter?What does Flagstar Bank do and what are its main business segments?What is Flagstar Bank's gross profit margin?What is Flagstar Bank's latest dividend and current dividend yield?What were the key takeaways from Flagstar Bank’s earnings call?What were the key takeaways from Flagstar Bank's earnings call?What factors drove the changes in Flagstar Bank's revenue and profit?
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