What is Flagstar Bank, National Association's earnings per share (EPS)?

Flagstar Bank, National Association (FLG) reported diluted earnings per share of -$0.50 for fiscal year 2025. This represents a 85.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Flagstar Bank, National Association (FLG) Financials

FLG

Trailing 12 months to June 30, 2026

Revenue $2.1B -6.4% YoY

Net Income $48.0M +107.5% YoY

EPS (Diluted) $0.04 +102.5% YoY

Operating Cash Flow $162.0M +124.9% YoY

Market Cap $4.7B as of Oct 14, 2026

Price / Sales 2.2x on $2.1B revenue, trailing 12 months to June 30, 2026

Price / Earnings 96.9x on $48.0M net income, trailing 12 months to June 30, 2026

Price / Book 0.6x on $8.1B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 14, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FLG SEC filings page.

Flagstar Bank, National Association (FLG) reported $2.1B in revenue over the twelve months to Jun 30, 2026, down 6.4% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI FLG FY2025 2026-10-04

Flagstar’s losses are narrowing, but its smaller balance sheet still has not translated into positive operating cash generation.

The FY2025 net loss was $177M, down from $1.1B in FY2024 even as revenue declined, so the improvement was not volume-led. With interest expense falling to $2.7B while operating cash flow turned to -$181M, the recovery looks more like financing-cost normalization than restored cash earnings.

Balance-sheet contraction is paired with lower leverage: total assets fell to $87.5B while equity remained about $8.1B, and debt-to-equity moved from 1.4x to 1.0x. That describes a smaller banking platform with less debt relative to its capital base, not growth funded through increasing leverage.

Dividends paid fell to $15M while retained earnings reached -$988M, indicating that capital distributions have been sharply reduced as accumulated losses remain a constraint. The combination of weaker operating cash flow and restrained dividends points to capital preservation taking priority over returning cash.

Financial Health Signals

Financial Health Score 7/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Flagstar Bank, National Association's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Flagstar Bank, National Association earned a return on assets of -0.2% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from -1.1% the prior year. Earnings ranks banks on that return over three years, and Flagstar Bank, National Association scores 13/100 among other banks.

Growth

Flagstar Bank, National Association reported revenue of $2.1B in fiscal year 2025, against $2.6B in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Flagstar Bank, National Association scores 2/100 among other banks.

Capital

Flagstar Bank, National Association funded 9.3% of its assets with shareholders' equity at the end of fiscal year 2025, holding $8.1B of equity against $87.5B of assets. Capital ranks banks on that cushion, and Flagstar Bank, National Association scores 21/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Flagstar Bank, National Association scores 6/100 on it among other banks.

Credit Quality

Not available for Flagstar Bank, National Association, and counted as zero in the overall score.

Stability

Flagstar Bank, National Association reported a net loss of $177.0M in fiscal year 2025, against a loss of $1.1B in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Flagstar Bank, National Association scores 1/100 among other banks.

Piotroski F-Score Partial

2/7

Flagstar Bank, National Association passes 2 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 1 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality No Cash Backing

N/A

Flagstar Bank, National Association reported a net loss of $177.0M while operations used $181.0M of cash. With neither figure positive, the ratio between the two carries no quality signal.

Key Financial Metrics

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Earnings & Revenue

Revenue

$516.0M

YoY+4.0%

QoQ+3.6%

5Y CAGR+8.3%

10Y CAGR+3.6%

Flagstar Bank, National Association generated $516.0M in revenue in Q2 2026. This represents an increase of 4.0% from the same quarter a year earlier. Against the prior quarter it is up 3.6%.

Net Income

$34.0M

YoY+148.6%

QoQ+61.9%

5Y CAGR-25.9%

10Y CAGR-12.3%

Flagstar Bank, National Association reported $34.0M in net income in Q2 2026. This represents an increase of 148.6% from the same quarter a year earlier. Against the prior quarter it is up 61.9%.

EPS (Diluted)

$0.06

QoQ+100.0%

5Y CAGR-27.5%

10Y CAGR-13.6%

Flagstar Bank, National Association earned $0.06 per diluted share (EPS) in Q2 2026. Against the prior quarter it is up 100.0%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$5.2B

YoY-36.0%

QoQ-26.9%

5Y CAGR+20.0%

10Y CAGR+22.6%

Flagstar Bank, National Association held $5.2B in cash against $6.7B in long-term debt as of Q2 2026.

Dividends Per Share

$0.01

QoQ0.0%

Flagstar Bank, National Association paid $0.01 per share in dividends in Q2 2026. It is unchanged from the prior quarter.

Shares Outstanding

415M

QoQ-0.4%

Flagstar Bank, National Association had 415M shares outstanding in Q2 2026. Against the prior quarter it is down 0.4%.

Free Cash Flow

Not reported for Q2 2026.

Margins & Returns

Net Margin

6.6%

YoY+20.7pp

QoQ+2.4pp

5Y change-37.2pp

10Y change-28.2pp

Flagstar Bank, National Association's net profit margin was 6.6% in Q2 2026, showing the share of revenue converted to profit. This is up 20.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.4 percentage points.

Return on Equity

0.4%

YoY+1.3pp

QoQ+0.2pp

5Y change-1.8pp

10Y change-1.7pp

Flagstar Bank, National Association's ROE was 0.4% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 1.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

None of these metrics is reported for Q2 2026.

FLG Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FLG quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$2.1B	$2.1B-19.2%	$2.6B-55.7%	$5.8B+250.8%	$1.6B+21.7%	$1.4B+16.3%	$1.2B+11.5%	$1.0B-7.3%	$1.1B-16.7%	$1.3B-6.0%	$1.4B+131.6%	$618.8M-53.9%	$1.3B-3.1%	$1.4B-4.9%	$1.5B+1.5%	$1.4B
SG&A Expenses	$283.0M	$307.0M-40.2%	$513.0M+31.9%	$389.0M+146.2%	$158.0M+24.4%	$127.0M+2.4%	$124.0M+3.3%	$120.0M-7.0%	$129.0M-27.7%	$178.6M-4.8%	$187.6M+10.0%	$170.5M-1.6%	$173.3M-4.4%	$181.3M-12.1%	$206.2M+6.1%	$194.4M
Interest Expense	$2.3B	$2.7B-27.8%	$3.8B+57.5%	$2.4B+246.8%	$696.0M+74.0%	$400.0M-34.2%	$608.0M-28.3%	$848.0M+28.7%	$658.7M+45.6%	$452.2M+16.7%	$387.5M-69.8%	$1.3B+136.5%	$542.7M+0.2%	$541.5M-14.2%	$631.1M-5.3%	$666.2M
Income Tax	$36.0M	-$21.0M+91.9%	-$260.0M-996.6%	$29.0M-83.5%	$176.0M-16.2%	$210.0M+172.7%	$77.0M-39.8%	$128.0M-5.4%	$135.3M-33.0%	$202.0M-28.3%	$281.7M+432.0%	-$84.9M-129.5%	$287.7M+5.9%	$271.6M-2.9%	$279.8M+9.9%	$254.5M
Net Income	$48.0M	-$177.0M+84.2%	-$1.1B-1315.2%	-$79.0M-112.2%	$650.0M+9.1%	$596.0M+16.6%	$511.0M+29.4%	$395.0M-6.5%	$422.4M-9.4%	$466.2M-5.9%	$495.4M+1150.6%	-$47.2M-109.7%	$485.4M+2.1%	$475.5M-5.1%	$501.1M+4.4%	$480.0M
EPS (Basic)	N/A	-$0.50+85.7%	-$3.49-612.2%	-$0.49-113.0%	$3.78+215.0%	$1.20+17.6%	$1.02+32.5%	$0.77-2.5%	$0.79-12.2%	$0.90-10.9%	$1.01+1018.2%	-$0.11-110.1%	$1.09+0.9%	$1.08-4.4%	$1.13+3.7%	$1.09
EPS (Diluted)	$0.04	-$0.50+85.7%	-$3.49	-$0.49-113.0%	$3.77	$1.20+17.6%	$1.02+32.5%	$0.77-2.5%	$0.79-12.2%	$0.90-10.9%	$1.01+1018.2%	-$0.11-110.1%	$1.09+0.9%	$1.08-4.4%	$1.13+3.7%	$1.09
Diluted Shares (Avg)	N/A	415M+25.6%	331M	238M+47.1%	162M	465M+0.3%	463M-0.5%	466M-4.4%	487M0.0%	487M+0.4%	485M+8.1%	449M+1.8%	441M+0.4%	439M+0.4%	438M+0.4%	436M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$516.0M+4.0%	$498.0M+1.6%	$557.0M-10.9%	$519.0M-16.7%	$496.0M-26.1%	$490.0M-22.6%	$625.0M-27.9%	$623.0M-40.2%
SG&A Expenses	$63.0M-12.5%	$64.0M-19.0%	$3.0M+103.2%	$153.0M-18.6%	$72.0M-60.7%	$79.0M-66.5%	-$94.0M-28.8%	$188.0M+13.9%
Interest Expense	$536.0M-26.0%	$541.0M-28.2%	$591.0M-34.1%	$676.0M-34.0%	$724.0M-26.9%	$754.0M-15.2%	$897.0M+26.9%	$1.0B+62.5%
Income Tax	$14.0M+227.3%	$11.0M+152.4%	$16.0M+132.0%	-$5.0M+90.9%	-$11.0M+89.1%	-$21.0M+61.1%	-$50.0M+55.4%	-$55.0M-190.2%
Net Income	$34.0M+148.6%	$21.0M+121.0%	$29.0M+115.4%	-$36.0M+87.1%	-$70.0M+78.3%	-$100.0M+69.4%	-$188.0M+93.0%	-$280.0M-235.3%
EPS (Basic)	$0.06+131.6%	$0.03+111.5%	$0.06+118.2%	-$0.11+86.1%	-$0.19+83.3%	-$0.26+42.2%	-$0.33+97.1%	-$0.79-196.3%
EPS (Diluted)	$0.06	$0.03	$0.06+118.2%	-$0.11+86.1%	-$0.19+83.3%	-$0.26	-$0.33	-$0.79-197.5%
Diluted Shares (Avg)	474M	467M	N/A	416M+13.3%	415M+41.6%	415M	N/A	367M+51.7%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

FLG Balance Sheet

FLG quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$87.5B-12.6%	$100.2B-12.2%	$114.1B+26.5%	$90.1B+51.4%	$59.5B+5.7%	$56.3B+5.0%	$53.6B+3.4%	$51.9B+5.6%	$49.1B+0.4%	$48.9B-2.8%	$50.3B+3.6%	$48.6B+4.0%	$46.7B+5.8%	$44.1B+5.0%	$42.0B
Cash & Equivalents	$6.0B-61.3%	$15.4B+34.5%	$11.5B+464.7%	$2.0B-8.1%	$2.2B+13.5%	$1.9B+162.5%	$742.0M-49.7%	$1.5B-41.7%	$2.5B+353.2%	$557.9M+3.8%	$537.7M-4.7%	$564.1M-12.5%	$644.5M-73.4%	$2.4B+21.3%	$2.0B
Short-Term Investments	$0-100.0%	$10.4B+13.7%	$9.2B+0.9%	$9.1B	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	N/A	$0	$0-100.0%	$2.4B0.0%	$2.4B0.0%	$2.4B0.0%	$2.4B-0.4%	$2.4B0.0%	$2.4B0.0%	$2.4B0.0%	$2.4B0.0%	$2.4B0.0%	$2.4B0.0%	$2.4B0.0%	$2.4B
Total Liabilities	$79.4B-13.7%	$92.0B-13.0%	$105.7B+30.0%	$81.3B+54.9%	$52.5B+6.1%	$49.5B+5.4%	$46.9B+3.7%	$45.2B+6.9%	$42.3B-1.1%	$42.8B-3.6%	$44.4B+3.8%	$42.8B+4.5%	$41.0B+6.4%	$38.5B+5.6%	$36.5B
Long-Term Debt	$8.2B-29.9%	$11.7B-45.1%	$21.3B-0.3%	$21.3B	N/A	N/A	$295.1M+0.1%	$294.7M	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$8.1B-0.3%	$8.2B-2.4%	$8.4B-5.2%	$8.8B+25.3%	$7.0B+3.0%	$6.8B+1.9%	$6.7B+0.9%	$6.7B-2.1%	$6.8B+11.0%	$6.1B+3.2%	$5.9B+2.6%	$5.8B+0.8%	$5.7B+1.4%	$5.7B+1.6%	$5.6B
Retained Earnings	-$988.0M-29.5%	-$763.0M-272.2%	$443.0M-57.4%	$1.0B+40.5%	$741.0M+50.0%	$494.0M+44.4%	$342.0M+15.1%	$297.2M+24.9%	$237.9M+85.2%	$128.4M+451.2%	-$36.6M-107.9%	$464.6M+9.9%	$422.8M+9.1%	$387.5M+19.3%	$325.0M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$87.7B-4.9%	$87.1B	$87.5B-12.6%	$91.7B-19.8%	$92.2B-22.5%	N/A	$100.2B-12.2%	$114.4B+2.8%
Cash & Equivalents	$5.2B-36.0%	$7.1B-44.0%	$6.0B-61.3%	$8.5B-63.2%	$8.1B-57.4%	$12.6B-1.9%	$15.4B+34.5%	$23.1B+233.1%
Short-Term Investments	$0-100.0%	$0	$0-100.0%	$15.1B+43.5%	$14.8B+40.6%	$0-100.0%	$10.4B+13.7%	$10.5B+20.5%
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	$0	N/A
Total Liabilities	$79.6B-5.4%	$79.0B	$79.4B-13.7%	$83.6B-21.0%	$84.1B-23.8%	N/A	$92.0B-13.0%	$105.8B+5.5%
Long-Term Debt	$6.7B-49.3%	$7.7B	$8.2B-29.9%	$13.2B-35.2%	$13.2B-54.4%	N/A	$11.7B-45.1%	$20.3B+39.4%
Total Equity	$8.1B+0.6%	$8.1B-0.4%	$8.1B-0.3%	$8.1B-5.4%	$8.1B-3.6%	$8.2B-2.8%	$8.2B-2.4%	$8.6B-22.0%
Retained Earnings	-$958.0M-0.1%	-$980.0M	-$988.0M-29.5%	-$1.0B-79.0%	-$957.0M-254.4%	N/A	-$763.0M-272.2%	-$562.0M-117.1%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

FLG Cash Flow Statement

FLG quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$162.0M	-$181.0M-310.5%	$86.0M-67.3%	$263.0M-74.4%	$1.0B+253.8%	$290.0M-13.2%	$334.0M-34.5%	$510.0M-5.6%	$540.4M-59.3%	$1.3B+75.6%	$755.7M+279.7%	-$420.4M-158.2%	$722.4M-47.5%	$1.4B+138.9%	$576.0M-30.6%	$830.2M
Depreciation & Amortization	N/A	$148.0M-19.6%	$184.0M+11.5%	$165.0M+816.7%	$18.0M-14.3%	$21.0M-12.5%	$24.0M-11.1%	$27.0M-16.5%	$32.3M-1.5%	$32.8M0.0%	$32.8M+4.2%	$31.5M+13.3%	$27.8M-1.1%	$28.1M+10.3%	$25.5M+8.2%	$23.5M
Stock-Based Compensation	N/A	$61.0M+13.0%	$54.0M+14.9%	$47.0M+62.1%	$29.0M-6.5%	$31.0M+6.9%	$29.0M-9.4%	$32.0M-11.7%	$36.3M+0.6%	$36.0M+10.3%	$32.7M+8.1%	$30.2M+10.0%	$27.5M+23.4%	$22.2M+7.4%	$20.7M+23.8%	$16.7M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$9.8M-64.6%	$27.8M-67.0%	$84.2M+141.9%	$34.8M-52.6%	$73.5M+97.3%	$37.2M-3.9%	$38.8M-4.9%	$40.7M
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$530.5M-59.2%	$1.3B+93.4%	$671.5M+247.5%	-$455.2M-170.2%	$648.9M-51.5%	$1.3B+149.2%	$537.3M-31.9%	$789.5M
Investing Cash Flow	$1.4B	$2.7B-82.6%	$15.5B-25.3%	$20.7B+426.9%	-$6.3B-128.9%	-$2.8B-169.5%	-$1.0B+50.2%	-$2.1B+48.8%	-$4.0B-478.7%	$1.1B-12.8%	$1.2B	N/A	N/A	-$5.2B-198.9%	-$1.7B-42.9%	-$1.2B
Financing Cash Flow	-$4.5B	-$12.1B-4.3%	-$11.6B-1.6%	-$11.4B-320.8%	$5.2B+89.0%	$2.7B+44.2%	$1.9B+132.5%	$816.0M-66.4%	$2.4B+680.4%	-$418.1M+78.6%	-$2.0B	N/A	N/A	$2.0B+27.5%	$1.6B+247.3%	$455.0M
Dividends Paid	$16.0M	$15.0M-71.7%	$53.0M-89.1%	$486.0M+53.3%	$317.0M+0.3%	$316.0M0.0%	$316.0M-0.3%	$317.0M-4.8%	$333.1M+0.3%	$332.1M+0.4%	$330.8M-27.1%	$454.0M+2.7%	$442.2M+0.4%	$440.3M+0.4%	$438.5M+0.4%	$436.9M
Share Buybacks	N/A	N/A	$0	$0-100.0%	$7.0M	$0-100.0%	$50.0M-25.4%	$67.0M-58.3%	$160.8M+770.8%	$18.5M+112.8%	$8.7M+23.6%	$7.0M-3.6%	$7.3M+36.9%	$5.3M+51.0%	$3.5M-4.7%	$3.7M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$226.0M-36.3%	-$118.0M+80.0%	-$189.0M-130.3%	$243.0M+123.4%	$355.0M-55.4%	-$590.0M-100.7%	$623.0M-20.0%	-$1.0B-198.6%
Depreciation & Amortization	$33.0M-10.8%	$35.0M-10.3%	$36.0M-16.3%	$36.0M-28.0%	$37.0M-17.8%	$39.0M-15.2%	$43.0M-6.5%	$50.0M+6.4%
Stock-Based Compensation	$19.0M+35.7%	$14.0M-6.7%	N/A	$17.0M0.0%	$14.0M-6.7%	$15.0M+150.0%	N/A	$17.0M
Investing Cash Flow	-$2.6B-533.8%	$1.4B+432.7%	$1.8B-60.4%	$757.0M-92.3%	$589.0M+174.7%	-$425.0M-121.7%	$4.5B+356.9%	$9.8B+667.1%
Financing Cash Flow	$424.0M+107.8%	-$188.0M+90.1%	-$4.2B+67.2%	-$612.0M+87.0%	-$5.4B-190.0%	-$1.9B-668.0%	-$12.7B-333.1%	-$4.7B+42.9%
Dividends Paid	$4.0M0.0%	$5.0M+25.0%	$3.0M-40.0%	$4.0M+33.3%	$4.0M-89.2%	$4.0M-50.0%	$5.0M-95.9%	$3.0M-97.6%

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Share Buybacks.

FLG Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FLG quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	-8.6%+35.2pp	-43.8%-42.4pp	-1.4%-40.9pp	39.6%-4.6pp	44.1%+0.1pp	44.0%+6.1pp	37.9%+0.3pp	37.6%+3.0pp	34.6%0.0pp	34.6%+42.2pp	-7.6%-43.8pp	36.2%+1.9pp	34.3%-0.1pp	34.4%+1.0pp	33.4%
Return on Equity	-2.2%+11.5pp	-13.7%-12.8pp	-0.9%-8.3pp	7.4%-1.1pp	8.5%+1.0pp	7.5%+1.6pp	5.9%-0.5pp	6.3%-0.5pp	6.9%-1.2pp	8.1%+8.9pp	-0.8%-9.2pp	8.4%+0.1pp	8.3%-0.6pp	8.9%+0.2pp	8.6%
Return on Assets	-0.2%+0.9pp	-1.1%-1.1pp	-0.1%-0.8pp	0.7%-0.3pp	1.0%+0.1pp	0.9%+0.2pp	0.7%-0.1pp	0.8%-0.1pp	0.9%-0.1pp	1.0%+1.1pp	-0.1%-1.1pp	1.0%0.0pp	1.0%-0.1pp	1.1%0.0pp	1.1%
Debt-to-Equity	1.00-0.4x	1.43-1.1x	2.54+0.1x	2.42-5.0x	7.45+0.2x	7.23+7.2x	0.040.0x	0.04-6.2x	6.23-0.8x	6.99-0.5x	7.48+0.1x	7.40+0.3x	7.14+0.3x	6.80+0.3x	6.55
Asset Turnover	0.020.0x	0.030.0x	0.050.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.030.0x	0.030.0x	0.010.0x	0.030.0x	0.030.0x	0.030.0x	0.03
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	47.3%-49.2pp	96.4%+49.6pp	46.9%+120.4pp	-73.6%-121.9pp	48.4%-48.3pp	96.6%+59.8pp	36.9%-18.1pp	55.0%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	6.6%+20.7pp	4.2%+24.6pp	5.2%+35.3pp	-6.9%+38.0pp	-14.1%+34.0pp	-20.4%+31.2pp	-30.1%	-44.9%-64.8pp
Return on Equity	0.4%+1.3pp	0.3%+1.5pp	0.4%+2.7pp	-0.4%+2.8pp	-0.9%+3.0pp	-1.2%+2.7pp	-2.3%+30.0pp	-3.3%-5.2pp
Return on Assets	0.0%+0.1pp	0.0%	0.0%+0.2pp	0.0%+0.2pp	-0.1%+0.2pp	N/A	-0.2%+2.2pp	-0.2%-0.4pp
Debt-to-Equity	0.82-0.8x	0.95	1.00-0.4x	1.63-0.7x	1.63-1.8x	N/A	1.43-1.1x	2.37+1.0x
Asset Turnover	0.010.0x	0.01	0.010.0x	0.010.0x	0.010.0x	N/A	0.010.0x	0.010.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Flagstar Bank, National Association FLG	FY2025	$2.1B	-$177.0M	-8.6%	$4.7B	7/100
Ameris Bancorp ABCB	FY2025	$1.2B	$412.2M	34.1%	$5.3B	67/100
Atlantic Union Bankshares Corporation AUB	FY2025	$1.4B	$273.7M	19.9%	$5.4B	57/100
Home BancShares, Inc. HOMB	FY2025	$1.1B	$475.4M	43.6%	$5.7B	74/100
Hancock Whitney Corporation HWC	FY2025	$1.5B	$486.1M	32.1%	$5.8B	57/100
First Financial Bankshares Inc FFIN	FY2025	$631.6M	$253.6M	40.2%	$4.4B	68/100

Where Flagstar Bank, National Association Ranks

Frequently Asked Questions

What is Flagstar Bank, National Association's annual revenue?

Flagstar Bank, National Association (FLG) reported $2.1B in total revenue for fiscal year 2025. This represents a -19.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Flagstar Bank, National Association's revenue growing?

Flagstar Bank, National Association (FLG) revenue declined by 19.2% year-over-year, from $2.6B to $2.1B in fiscal year 2025.

Is Flagstar Bank, National Association profitable?

No, Flagstar Bank, National Association (FLG) reported a net income of -$177.0M in fiscal year 2025, with a net profit margin of -8.6%.

How much debt does Flagstar Bank, National Association have?

As of fiscal year 2025, Flagstar Bank, National Association (FLG) had $6.0B in cash and equivalents against $8.2B in long-term debt.

What is Flagstar Bank, National Association's net profit margin?

Flagstar Bank, National Association (FLG) had a net profit margin of -8.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Flagstar Bank, National Association pay dividends?

Yes, Flagstar Bank, National Association (FLG) paid $0.04 per share in dividends during fiscal year 2025.

What is Flagstar Bank, National Association's return on equity (ROE)?

Flagstar Bank, National Association (FLG) has a return on equity of -2.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Flagstar Bank, National Association's operating cash flow?

Flagstar Bank, National Association (FLG) recorded an outflow of $181.0M in operating cash flow during fiscal year 2025, representing cash used by core business activities.

What are Flagstar Bank, National Association's total assets?

Flagstar Bank, National Association (FLG) had $87.5B in total assets as of fiscal year 2025, including both current and long-term assets.

How many shares does Flagstar Bank, National Association have outstanding?

Flagstar Bank, National Association (FLG) had 416M shares outstanding as of fiscal year 2025.

What is Flagstar Bank, National Association's debt-to-equity ratio?

Flagstar Bank, National Association (FLG) had a debt-to-equity ratio of 1.00 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Flagstar Bank, National Association's return on assets (ROA)?

Flagstar Bank, National Association (FLG) had a return on assets of -0.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Flagstar Bank, National Association's P/E ratio?

Flagstar Bank, National Association (FLG) trades at 96.9x earnings, its market capitalization divided by net income of $48.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $4.7B as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Flagstar Bank, National Association's price-to-sales ratio?

Flagstar Bank, National Association (FLG) trades at 2.2x sales, its market capitalization divided by revenue of $2.1B revenue, trailing 12 months to June 30, 2026. The market capitalization is $4.7B as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Flagstar Bank, National Association's Piotroski F-Score?

Flagstar Bank, National Association (FLG) has a Piotroski F-Score of 2 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Flagstar Bank, National Association's earnings high quality?

Flagstar Bank, National Association (FLG) reported a net loss of $177.0M while operations used $181.0M of cash. With neither figure positive, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Flagstar Bank, National Association?

Flagstar Bank, National Association (FLG) scores 7 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.