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 Financials

FLG

Trailing 12 months to June 30, 2026

Revenue $4.1B -20.8% YoY

Net Income $48.0M +107.5% YoY

EPS (Diluted) $0.04 +102.5% YoY

Free Cash Flow Not reported for the trailing 12 months

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

Flagstar Bank, National Association (FLG) reported $4.1B in revenue over the twelve months to Jun 30, 2026, down 20.8% 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 2026-08-29

Flagstar’s dominant mechanic is balance-sheet contraction: assets and liabilities shrink alongside losses, while cash conversion weakens.

The earnings–cash mismatch is the clearest operating signal: net loss narrowed from -$1.12B in FY2024 to -$177M in FY2025, indicating a substantial recovery in reported profitability. Yet operating cash flow moved from $86M to -$181M over the same period, so improving accounting results were not accompanied by cash generation.

Flagstar is shrinking its balance sheet rather than expanding through volume: total assets fell from $100.2B to $87.5B in FY2025, reducing the scale of assets supporting revenue. Debt-to-equity also moved from 1.4x to 1.0x, indicating lower leverage relative to shareholders’ capital.

Cost reduction helped reshape the loss: selling, general and administrative expense fell from $513M to $307M, materially reducing the expense base. Interest expense declined from $3.8B to $2.7B>, showing that lower financing cost also influenced FY2025’s result.

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

Growth

Capital

Efficiency

Credit Quality

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

Stability

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

Export CSV

Earnings & Revenue

Revenue

$4.5B

YoY-25.0%

5Y CAGR+189.4%

10Y CAGR+10.2%

Flagstar Bank, National Association generated $4.5B in revenue in fiscal year 2025. This represents a decrease of 25.0% from the prior year.

Net Income

-$177.0M

YoY+84.2%

Flagstar Bank, National Association reported -$177.0M in net income in fiscal year 2025. This represents an increase of 84.2% from the prior year.

EPS (Diluted)

-$0.50

YoY+85.7%

Flagstar Bank, National Association earned -$0.50 per diluted share (EPS) in fiscal year 2025. This represents an increase of 85.7% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Cash & Debt

$6.0B

YoY-61.3%

5Y CAGR+25.1%

10Y CAGR+27.2%

Flagstar Bank, National Association held $6.0B in cash against $8.2B in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.04

YoY-80.0%

Flagstar Bank, National Association paid $0.04 per share in dividends in fiscal year 2025. This represents a decrease of 80.0% from the prior year.

Shares Outstanding

416M

YoY+0.3%

Flagstar Bank, National Association had 416M shares outstanding in fiscal year 2025. This represents an increase of 0.3% from the prior year.

Free Cash Flow

Not reported for fiscal year 2025.

Margins & Returns

Net Margin

-4.0%

YoY+14.8pp

10Y CAGR-1.2pp

Flagstar Bank, National Association's net profit margin was -4.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 14.8 percentage points from the prior year.

Return on Equity

-2.2%

YoY+11.5pp

5Y CAGR-9.6pp

10Y CAGR-1.4pp

Flagstar Bank, National Association's ROE was -2.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 11.5 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

None of these metrics is reported for fiscal year 2025.

FLG Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FLG quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$4.1B	$4.5B-25.0%	$6.0B+8.4%	$5.5B+20237.0%	$27.0M+17.4%	$23.0M+4.5%	$22.0M-24.1%	$29.0M-2.6%	$29.8M-6.3%	$31.8M-2.8%	$32.7M-98.1%	$1.7B+0.5%	$1.7B-1.5%	$1.7B+17.2%	$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 (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

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$976.0M-0.8%	$984.0M-7.0%	$1.1B-3.9%	$1.1B-3.7%	$1.1B-1.8%	$1.2B-14.3%	$1.4B-11.5%	$1.5B
SG&A Expenses	$63.0M-1.6%	$64.0M+2033.3%	$3.0M-98.0%	$153.0M+112.5%	$72.0M-8.9%	$79.0M+184.0%	-$94.0M-150.0%	$188.0M
Interest Expense	$536.0M-0.9%	$541.0M-8.5%	$591.0M-12.6%	$676.0M-6.6%	$724.0M-4.0%	$754.0M-15.9%	$897.0M-12.4%	$1.0B
Income Tax	$14.0M+27.3%	$11.0M-31.3%	$16.0M+420.0%	-$5.0M+54.5%	-$11.0M+47.6%	-$21.0M+58.0%	-$50.0M+9.1%	-$55.0M
Net Income	$34.0M+61.9%	$21.0M-27.6%	$29.0M+180.6%	-$36.0M+48.6%	-$70.0M+30.0%	-$100.0M+46.8%	-$188.0M+32.9%	-$280.0M
EPS (Diluted)	$0.06+100.0%	$0.03-50.0%	$0.06+154.5%	-$0.11+42.1%	-$0.19+26.9%	-$0.26+21.2%	-$0.33	-$0.79

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

FLG Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FLG quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
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
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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$87.7B+0.7%	$87.1B-0.4%	$87.5B-4.5%	$91.7B-0.6%	$92.2B	N/A	$100.2B-12.4%	$114.4B
Cash & Equivalents	$5.2B-26.9%	$7.1B+18.5%	$6.0B-29.5%	$8.5B+4.8%	$8.1B-36.0%	$12.6B-18.0%	$15.4B-33.1%	$23.1B
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	$0	N/A
Total Liabilities	$79.6B+0.7%	$79.0B-0.5%	$79.4B-5.0%	$83.6B-0.7%	$84.1B	N/A	$92.0B-13.0%	$105.8B
Long-Term Debt	$6.7B-13.0%	$7.7B-6.1%	$8.2B-37.9%	$13.2B0.0%	$13.2B	N/A	$11.7B-42.6%	$20.3B
Total Equity	$8.1B+0.2%	$8.1B-0.3%	$8.1B+0.4%	$8.1B+0.2%	$8.1B-0.7%	$8.2B-0.2%	$8.2B-4.7%	$8.6B
Retained Earnings	-$958.0M+2.2%	-$980.0M+0.8%	-$988.0M+1.8%	-$1.0B-5.1%	-$957.0M	N/A	-$763.0M-35.8%	-$562.0M

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

FLG Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FLG quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
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
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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$226.0M+291.5%	-$118.0M+37.6%	-$189.0M-177.8%	$243.0M-31.5%	$355.0M+160.2%	-$590.0M-194.7%	$623.0M+160.0%	-$1.0B
Investing Cash Flow	-$2.6B-280.7%	$1.4B-19.9%	$1.8B+133.3%	$757.0M+28.5%	$589.0M+238.6%	-$425.0M-109.5%	$4.5B-54.7%	$9.8B
Financing Cash Flow	$424.0M+325.5%	-$188.0M+95.5%	-$4.2B-579.6%	-$612.0M+88.7%	-$5.4B-185.7%	-$1.9B+85.0%	-$12.7B-170.0%	-$4.7B
Dividends Paid	$4.0M-20.0%	$5.0M+66.7%	$3.0M-25.0%	$4.0M0.0%	$4.0M0.0%	$4.0M-20.0%	$5.0M+66.7%	$3.0M

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.

FLG quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	-4.0%+14.8pp	-18.8%-17.3pp	-1.4%	2407.4%	2591.3%	2322.7%	1362.1%	1419.2%	1467.9%	1516.6%	-2.8%-31.6pp	28.8%+1.0pp	27.8%-6.5pp	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
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	1782.3%	4090.0%	2055.6%	-26.9%-65.5pp	38.6%-39.8pp	78.4%+41.5pp	36.9%-18.1pp	55.0%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	3.5%+1.3pp	2.1%-0.6pp	2.7%+6.0pp	-3.3%+2.8pp	-6.1%+2.5pp	-8.6%+5.2pp	-13.8%+4.4pp	-18.3%
Return on Equity	0.4%+0.2pp	0.3%-0.1pp	0.4%+0.8pp	-0.4%+0.4pp	-0.9%+0.4pp	-1.2%+1.1pp	-2.3%+1.0pp	-3.3%
Return on Assets	0.0%0.0pp	0.0%0.0pp	0.0%+0.1pp	0.0%0.0pp	-0.1%	N/A	-0.2%0.0pp	-0.2%
Debt-to-Equity	0.82-0.1x	0.95-0.1x	1.00-0.6x	1.630.0x	1.63	N/A	1.43-0.9x	2.37

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

Similar Companies

Ameris Bancorp ABCB

$5.7B

Atlantic Un Bankshares Corp AUB

$5.8B

Home Bancshares HOMB

$5.9B

Hancock Whitney Corporation HWC

$6.0B

First Financial Bankshares FFIN

$4.8B

Where Flagstar Bank, National Association Ranks

Frequently Asked Questions

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

Flagstar Bank, National Association (FLG) reported $4.5B in total revenue for fiscal year 2025. This represents a -25.0% 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 25.0% year-over-year, from $6.0B to $4.5B 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 -4.0%.

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 -4.0% 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 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.