Flagstar Financial, Inc. is the bank holding company for Flagstar Bank, N.A. that provides banking products and services in the United States. The company is headquartered in Hicksville, New York.
| Revenue (TTM) | $2.03B |
| Gross Profit (TTM) | $2.03B |
| EBITDA | — |
| Operating Margin | 20.30% |
| Return on Equity | 0.59% |
| Return on Assets | 0.05% |
| Revenue/Share (TTM) | $4.88 |
| Book Value | $18.31 |
| Price-to-Book | 0.75 |
| Price-to-Sales (TTM) | 2.87 |
| EV/Revenue | 8.22 |
| EV/EBITDA | — |
| Quarterly Earnings Growth (YoY) | 0.00% |
| Quarterly Revenue Growth (YoY) | 15.30% |
| Shares Outstanding | $417.02M |
| Float | $267.02M |
| % Insiders | 0.94% |
| % Institutions | 95.50% |
Volatility is currently expanding
FLG's stock plunges 5.9% as Q2 earnings miss estimates on lower fee income. However, higher NII, lower costs and reduced credit provisions offer some support.
HICKSVILLE, N.Y., July 27, 2026 /PRNewswire/ -- Flagstar Bank, N.A.
Flagstar Bank, National Association (FLG) Q2 2026 Earnings Call Transcript
Although the revenue and EPS for Flagstar Bank (FLG) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
Flagstar Bank, National Association NYSE: FLG reported its third consecutive quarter of profitability in the second quarter of 2026, as commercial-and-industrial loan growth, deposit growth and lower operating expenses helped offset continued runoff in commercial real estate and multifamily lending.
Flagstar Bank (FLG) came out with quarterly earnings of $0.05 per share, missing the Zacks Consensus Estimate of $0.06 per share. This compares to a loss of $0.14 per share a year ago.
ANNOUNCES $250 MILLION SHARE REPURCHASE PROGRAM THIRD CONSECUTIVE QUARTER OF PROFITABILITY AS PRE-PROVISION NET REVENUES INCREASED $34 MILLION ON AN UNADJUSTED BASIS AND $21 MILLION ON AN ADJUSTED BASIS COST OF DEPOSITS DECLINED FIVE BASIS POINTS, WHILE TOTAL DEPOSITS INCREASED NEARLY $700 MILLION IN THE SECOND QUARTER AND APPROXIMATELY $1.5 BILLION YEAR-TO-DATE BALANCE SHEET GREW APPROXIMATELY $600 MILLION DRIVEN BY SOLID CORE C&I LOAN AND DEPOSIT GROWTH FROM CONTINUED EXPANSION OF THE COMMERCIAL BANKING PLATFORM C&I LOANS INCREASED $2.0 BILLION OR 12% QUARTER OVER QUARTER DRIVEN BY STRATEGIC FOCUS AREAS CONTINUED EXPENSE DISCIPLINE WITH OPERATING EXPENSES DOWN 3% COMPARED TO PRIOR QUARTER; POSITIVE OPERATING LEVERAGE OF 7% CRE PAR PAYOFFS TOTALED $1.1 BILLION, OF WHICH 39% WERE SUBSTANDARD; CRE CONCENTRATION RATIO IMPROVED TO 350% COMPARED TO 367% LAST QUARTER CET1 CAPITAL RATIO OF 13.16% Second Quarter 2026 Summary Compared to First Quarter 2026 Profitability Capital PPNR of $66 million , up $34 million Adjusted PPNR of $62 million , up $21 million or 51% Operating expenses of $427 million down 3% Positive operating leverage of 7% Net interest margin was relatively unchanged at 2.13% Deposit costs declined 5 basis points while overall cost of funds declined 7 basis points CET1 capital ratio of 13.16%, at or above peer group levels Excess capital of $1.6 billion, using low end of target CET1 range of 10.5% Book value per share of $18.31 Tangible book value per share of $17.51 Tangible book value per share adjusted for warrant exercise is $15.54 Balance Sheet Asset Quality Total C&I loans increased $2.0 billion or 12% to $18.6 billion Total loans increased $562 million to $61.0 billion , up 1% or 4% annualized Total deposits increased $689 million or 1% Core deposits grew $644 million or 1% C&I and Private Bank deposits grew $905 million , up 4% Strategic C&I loan focus areas grew $2.1 billion or 29% Total MF/CRE exposure down $1.5 billion or 4% Wholesale borrowings, mainly FHLB advances, declined $250 million or 2% Criticized/Classified loans declined $143 million or 1% Substandard loans declined $369 million or 6% Non-accrual loans rose $123 million or 5% Total ACL of $0.9 billion or 1.52% of total loans HFI Total multi-family ACL coverage of 1.63% ACL coverage of 2.87% for multi-family loans with 50% or greater rent-regulated units Total NYC multi-family loans declined $677 million or 5% Total NYC multi-family loans with 50% or greater rent-regulated units declined $338 million or 4% NCOs to average loans was 0.66% vs. 0.52% Hicksville, N.Y.
Board of Directors Authorizes Repurchase of Up to $250 Million of Outstanding Common Stock, Reflecting the Bank's Strong Capital Position and Commitment to Long-Term Shareholder Value HICKSVILLE, N.Y., July 24, 2026 /PRNewswire/ -- Flagstar Bank, N.A.
Flagstar Bank, National Association is positioned for a potential earnings beat in Q2'26, driven by robust commercial & industrial loan growth and a favorable credit environment. FLG trades at a significant discount to book value (0.82x P/B), offering a compelling margin of safety versus regional peers. Strategic cost-cutting, reduced New York real estate exposure (down 17% Y/Y in Q1), and renewed profitability underpin a turnaround investment thesis.
HICKSVILLE, N.Y., July 8, 2026 /PRNewswire/ -- Flagstar Bank, N.A.
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