Flagstar Bank, National Association Stock Price, News & Analysis

Flagstar Bank (NYSE: FLG) returned to profitability in Q4 2025, reporting net income attributable to common stockholders of $21 million or $0.05 per diluted share and adjusted net income of $30 million or $0.06 per diluted share.

Key trends: C&I commitments rose 28% to $3.0 billion, NIM expanded to 2.14%, non-accrual loans fell 8% QoQ, CRE exposure and brokered deposits were materially reduced, and CET1 improved to 12.83%.

Flagstar Bank (NYSE: FLG) and Cognizant (Nasdaq: CTSH) marked one year of partnership on Jan 29, 2026, supporting Flagstar's multi-year "Simple, Sophisticated" (S2) technology transformation.

Cognizant acted as an extension of Flagstar's Enterprise Technology & Operations team, delivering transformation projects across retail, commercial, mortgage, risk, and compliance, establishing co-branded development centers in Hyderabad and Manila, and planning an AI Center of Excellence.

Flagstar Bank (NYSE: FLG) opened a new Private Client Office at 320 Park Avenue, New York City on January 26, 2026, marking its second Private Client Office and part of a strategic expansion into major U.S. wealth hubs.

The two-floor, ~20,900 square foot office in Midtown Manhattan supports 28 bankers, includes seven conference rooms, a concierge-style ground floor, and a second-floor boardroom and private suites. Leadership includes Ralph Meyer as Private Client Office Director. The office complements recent and planned locations in Palm Beach and San Francisco and aims to deliver relationship-driven private banking, wealth, trust, lending, capital markets, and payments services.

Flagstar Bank (NYSE: FLG) will release fourth quarter and full-year 2025 results for the periods ended December 31, 2025 at approximately 6:00 a.m. ET on Friday, January 30, 2026. The earnings release and presentation will be posted to the company's Investor Relations website shortly after issuance. Management will discuss results on a conference call at 8:00 a.m. ET on January 30, 2026, with Chairman, President & CEO Joseph M. Otting and SVP & CFO Lee Smith participating.

Dial-in instructions require entry of conference ID 5857240. The call will be webcast at the Investor Relations site and the archive will remain available through 5:00 p.m. on February 27, 2026. Replay dial-in windows run January 30 (11:00 a.m.) through February 3 (11:59 p.m.).

Flagstar Bank (NYSE: FLG) announced an expansion of Flagstar Private Bank and Wealth Management on Dec 9, 2025, adding two wealth-planning capabilities—Family Advisory, Trusts & Estate Planning led by Carly Doshi and Insurance led by Irene Bowers—and launching a regionally focused operating model across three regions (Northeast, Southeast, West) and three sector verticals (Legal & Professional Services, Community Markets, Innovation & Private Markets).

The firm opened a Private Client Office in Palm Beach, FL, plans a 2026 San Francisco office, appointed multiple regional and vertical heads, and cites consolidated totals of $91.7B assets, $63.2B loans, $69.2B deposits, and $8.1B stockholders' equity as of Sept 30, 2025.

Flagstar Bank (NYSE: FLG) declared quarterly cash dividends on its common and three preferred stock series. The common dividend is $0.01 per share, payable December 17, 2025, to holders of record on December 7, 2025.

Preferred dividends: Series A fixed-to-floating preferred pays $15.94 per preferred share (equals $0.3984 per depositary share where each depositary share equals 1/40th of a preferred share), Series B pays $3.3333 per share, and Series D non-voting common equivalent pays $3.3333 per share; all preferred dividends are payable December 17, 2025, to holders of record on December 7, 2025.

At September 30, 2025, Flagstar Financial had $91.7 billion assets, $63.2 billion loans, $69.2 billion deposits, and $8.1 billion total stockholders' equity; the bank operates about 340 locations across nine states.

Flagstar Bank (NYSE: FLG) reported a Q3 2025 net loss attributable to common stockholders of $45M or $0.11 per diluted share and an adjusted Q3 net loss of $31M or $0.07 per diluted share on October 24, 2025. Operating trends improved sequentially with NIM up 10 bps to 1.91%, C&I loans +3% linked-quarter driven by new originations of $1.7B (+41% QoQ) and new commitments of $2.4B (+26% QoQ). CRE par payoffs totaled $1.3B, criticized/classified loans down $2.8B year-to-date, and allowance for credit losses was $1,128M (1.80% of loans). CET1 improved to 12.45%. Management completed a holding company reorganization on Oct 17, 2025 to simplify structure and reduce expenses.

Flagstar Bank (NYSE: FLG) announced completion of its holding company reorganization effective October 17, 2025, merging Flagstar Financial into Flagstar Bank, N.A., with the Bank now the surviving public entity.

The move is intended to simplify corporate structure, reduce regulatory burden, and lower operating expenses. Trading will continue under the ticker FLG and the Bank name beginning October 20, 2025. The reorganization does not affect client accounts or day-to-day operations.

At June 30, 2025 consolidated balances were: $92.2B assets, $64.4B loans, $69.7B deposits, and $8.1B equity.

Flagstar Financial (NYSE: FLG) announced that shareholders approved the holding company reorganization at a Special Meeting on October 15, 2025.

The approvals adopt an Amended and Restated Agreement and Plan of Merger to merge Flagstar Financial into Flagstar Bank, N.A., following an interim conversion to a federal savings association. The merger is expected to close in mid-to-late October 2025. Post-close, the surviving entity will remain Flagstar Bank, N.A. and its common stock will continue trading under FLG on the NYSE. At June 30, 2025, the company reported $92.2B assets, $64.4B loans, $69.7B deposits, and $8.1B stockholders' equity.