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Flagstar Bank, National Association(NYSE) FLG

Market Cap$5.74BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1993)+1,627%
5 Year-54%
1 Year+21%
1 Month-10%
$13.98
+1.6%
+0.22Today
Flagstar Bank, National Association last closing stock price
MetricPriceDate
Last closeUSD 13.762026-07-27
Flagstar Bank, National Association stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-7.28%USD 14.842026-07-20
1 month-9.95%USD 15.282026-06-26
3 month-1.71%USD 14.002026-04-28
Year to date+9.46%USD 12.572025-12-31
1 year+21.18%USD 11.362025-07-25
3 year-64.7%USD 38.982023-07-28
5 year-54.42%USD 30.192021-07-28
Since inception+1,627.2%USD 0.801993-11-23

Flagstar Bank, National Association Financials at a Glance

Market Cap

$5.74BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$4.24B

Net Income (TTM)

$46.00M

EPS (TTM)

$0.02

P/E Ratio

681.19

Dividend

$0.04

Beta (Volatility)

1.07 (Average)

Price

$13.98

Volume

5,617,343.294

Open

$13.77

Previous Close

$13.76

Daily Range

$13.70 - $13.98

52-Week Range

$10.57 - $15.44

Estimated Earnings Date

Oct 23, 2026

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Page 1

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About Flagstar Bank, National Association

Flagstar helps people and small businesses manage their money and get loans. The company runs hundreds of bank branches and private banking offices across the United States. It focuses on providing essential services like checking accounts, home loans, and business financing.

What Flagstar Does

  • Lending Services: Provides multi-family, commercial real estate, and industrial loans to businesses and developers.
  • Deposit Products: Offers interest-bearing checking, savings, and retirement accounts, along with certificates of deposit.
  • Commercial Banking: Serves middle-market companies with specialized financing, including specialty finance and warehouse loans.
  • Consumer Banking: Delivers home equity lines of credit, boat loans, and recreational vehicle lending to individuals.
  • Wealth Management: Provides cash management and non-deposit investment products through private bank branches.

Growth and Expansion

  • Acquired Flagstar Bancorp in December 2022 to expand its mortgage and commercial banking footprint.
  • Purchased certain assets and assumed liabilities of Signature Bridge Bank in 2023 to grow its private banking business.
  • Completed an internal reorganization in October 2025 to merge the holding company into Flagstar Bank, N.A..
  • Changed the corporate name from New York Community Bancorp to Flagstar Financial in October 2024.

Where the Company Stands Out

Flagstar operates approximately 340 locations across nine states with a significant presence in New York and the Midwest. The bank uses a private banking model to serve high-net-worth individuals and their businesses through dedicated offices.

Key Financial Facts

  • Net income reached $29 million in Q4 2025, up 115% from the previous year.
  • Operating income rose to $45 million in Q4 2025, up 119% from Q4 2024.
  • Gross profit grew to $520 million in Q4 2025, up 33% year-over-year.
  • Revenue was $1.1 billion in Q4 2025, down 22% from $1.4 billion in Q4 2024.
  • Market capitalization increased to $5.9 billion as of early 2026.

The Bottom Line

Flagstar has transformed from a local New York savings bank into a diversified national commercial bank through major acquisitions. The company continues to adapt by streamlining its corporate structure and focusing on commercial and private banking growth.

AI Generated • Apr 23, 2026

Industry

Banks

Sector

Financials

Employees

5,631

CEO

Joseph M. Otting

Website

www.flagstar.com

Headquarters

Hicksville, NY 11801, US

FLG Financials

Key Financial Metrics (TTM)

Gross Margin

43.68%

Operating Margin

1.89%

Net Income Margin

1.09%

Return on Equity

0.57%

Return on Capital

-0.97%

Return on Assets

0.05%

Earnings Yield

0.15%

Dividend Yield

0.29%

Payout Ratio

1.07%

Stock Overview

Market Cap

$5.74BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

416.81M

Volume

5.62M

Avg. Volume

4.66M

Financials (TTM)

Gross Profit

$1.85B

Operating Income

$80.00M

EBITDA

$222.00M

Operating Cash Flow

$287.00M

Capital Expenditure

-$75.00M

Free Cash Flow

$212.00M

Cash & ST Invst.

$16.97B

Total Debt

$10.94B

Flagstar Bank, National Association Performance Analysis

Flagstar Bank, National Association annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 2,333,000,00033.9%
20232023-12-31USD 8,210,000,000251.9%
20242024-12-31USD 6,412,000,000-21.9%
20252025-12-31USD 4,806,000,000-25.0%
Flagstar Bank, National Association sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-4.8%
Q42025-12-31-4.0%
Q12026-03-31-6.7%
Q22026-06-30-11.4%
Flagstar Bank, National Association annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.774.9%
20232023-12-31USD -0.49N/A
20242024-12-31USD -3.49608.8%
20252025-12-31USD -0.51-85.5%
Flagstar Bank, National Association sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3042.1%
Q42025-12-31141.6%
Q12026-03-31-39.1%
Q22026-06-30-200.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$921.00M

-24.5%

Gross Profit

$385.00M

-10.9%

Gross Margin

41.80%

N/A

Market Cap

$5.74BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.02M

N/A

Employees

5,631

N/A

Net Income

$32.00M

+145.7%

EBITDA

$79.00M

+279.5%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$16.97B

+109.6%

Total Debt

$10.94B

-17.0%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$10.94B

+2.4%

Short Term Debt

$0.00

-100.0%

Return on Assets

0.05%

N/A

Return on Invested Capital

0.09%

N/A

Free Cash Flow

-$153.00M

+74.6%

Operating Cash Flow

-$133.00M

+77.5%

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Questions About FLG

What is the current price of Flagstar Bank, National Association?

Flagstar Bank, National Association is trading at $13.98 per share.

What is the 52-week range for Flagstar Bank, National Association?

Over the past 52 weeks, Flagstar Bank, National Association has traded between $10.57 and $15.44.

How much debt does Flagstar Bank, National Association have?

As of the most recent reporting period, Flagstar Bank, National Association reported total debt of $10.94B.

How much cash does Flagstar Bank, National Association have on hand?

Flagstar Bank, National Association does not have cash on hand data available.

What is Flagstar Bank, National Association’s dividend yield?

Flagstar Bank, National Association currently has a dividend yield of 0.29%.

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