Flagstar (FLG) director Jennifer Whip granted 9,939 shares in equity award

Rhea-AI Filing Summary

Flagstar Bank, National Association director Jennifer R. Whip reported acquiring 9,939 shares of the bank’s common stock on January 27, 2026, in a transaction priced at $0 per share, indicating an equity award rather than an open‑market purchase.

After this grant, she beneficially owns 67,284 shares of Flagstar common stock. This total includes service-based restricted stock units that will convert into shares of common stock over time as vesting conditions tied to continued service are satisfied.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Whip Jennifer R

(Last) (First) (Middle)

102 DUFFY AVENUE

(Street)

HICKSVILLE NY 11801

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
FLAGSTAR BANK, NATIONAL ASSOCIATION [ NYSE:FLG ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
01/27/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	01/27/2026		A		9,939	A	$0	67,284(1)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Total includes service based restricted stock units that will vest in shares of Issuer's common stock over the passage of time.

Remarks:

	/s/ Jan M. Klym, by Power of Attorney	01/29/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did Flagstar (FLG) director Jennifer R. Whip report on this Form 4?

Jennifer R. Whip reported receiving 9,939 shares of Flagstar common stock on January 27, 2026, at $0 per share. This appears to be an equity award, increasing her beneficial ownership to 67,284 shares, including time‑based restricted stock units that vest over time.

How many Flagstar (FLG) shares does Jennifer R. Whip now beneficially own?

Following the reported transaction, Jennifer R. Whip beneficially owns 67,284 shares of Flagstar common stock. This figure includes service‑based restricted stock units that will vest in shares of common stock over time, contingent on continued service and applicable vesting conditions.

What was the price per share for Jennifer R. Whip’s January 27, 2026 Flagstar award?

The 9,939 Flagstar common shares reported for Jennifer R. Whip on January 27, 2026 were recorded at a price of $0 per share. That pricing indicates an award or grant rather than a market purchase involving cash consideration for the shares.

Does Jennifer R. Whip’s Flagstar (FLG) ownership include restricted stock units?

Yes. The filing explains that her total of 67,284 Flagstar shares includes service‑based restricted stock units. These units will vest into shares of the issuer’s common stock over time, based on the passage of time and continued service requirements.

Is Jennifer R. Whip’s Flagstar (FLG) ownership reported as direct or indirect?

Her beneficial ownership is reported as direct. The Form 4 lists the 67,284 Flagstar common shares, including service‑based restricted stock units, under direct ownership, with no indication of indirect holdings through separate entities or related parties.