[Form 4] New York Community Bancorp, Inc. Insider Trading Activity

Rhea-AI Filing Summary

Form 4 filing for New York Community Bancorp, Inc. (legacy Flagstar symbol FLG) details one insider transaction by Director Alessandro DiNello on 07/29/2025.

• Transaction type: Code G (bona-fide gift) of 40,000 common shares at $0.00.
• Post-gift direct holdings: 323,776 shares.
• Indirect holdings: 10 trust and IRA vehicles now hold an additional 890,884 shares (largest positions: 358,430 in a SLAT and 276,238 in the spouse’s SLAT).
• Derivatives: None reported.

The filing reflects estate/charitable planning rather than a market sale, so it has minimal immediate trading impact. DiNello continues to beneficially own roughly 1.2 million shares, signalling an ongoing long-term stake in NYCB.

Positive

• No open-market sale; the transaction is a gift, avoiding negative price pressure.
• Insider retains a large stake of ~1.2 million shares, signalling continued alignment with shareholders.

Negative

• None.

Insights

Securities Analyst

TL;DR: Gift of 40k shares; insider still holds ~1.2M—neutral signal.

The Code G transaction removes 40,000 shares from DiNello’s direct account without cash proceeds, indicating philanthropic or estate activity. He retains substantial exposure—>1 % of outstanding shares—through direct and trust holdings, so no bearish read-through. Absence of sales or derivative hedges suggests unchanged confidence. Market impact is negligible because share count is immaterial relative to NYCB’s float.

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

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

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

1. Name and Address of Reporting Person^*

DiNello Alessandro

(Last) (First) (Middle)

102 DUFFY AVENUE

(Street)

HICKSVILLE NY 11801

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
FLAGSTAR FINANCIAL, INC. [ 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)
07/29/2025

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	07/29/2025		G		40,000	D	$0	323,776(1)	D
Common Stock								358,430	I	By SLAT(2)
Common Stock								276,238	I	By Wife's SLAT(3)
Common Stock								126,115	I	By Wife's Trust(4)
Common Stock								38,946	I	By CRUTrust(5)
Common Stock								38,101	I	By IRA
Common Stock								13,336	I	By Trust fbo gchild AD(6)
Common Stock								13,336	I	By Trust fbo gchild DD(6)
Common Stock								11,917	I	By Trust fbo gchild LeoG(6)
Common Stock								9,240	I	By Trust fbo gchild MG(6)
Common Stock								5,225	I	By Trust fbo LukeG(6)

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.

2. Spousal Lifetime Access Trust (SLAT) wherein reporting person's spouse is initial trustee and beneficiary.

3. Spousal Lifetime Access Trust (SLAT) wherein reporting person is initial trustee and beneficiary.

4. The reporting person disclaims beneficial ownership of these securities, and the filing of this report is not an admission that the reporting person is the beneficial owner of these securities for purposes of Section 16 or for any other purpose.

5. These shares are held in a charitable remainder unitrust of which the reporting person is a trustee and of which the reporting person and his wife are beneficiaries. The reporting person continues to report beneficial ownership of all of the New York Community Bancorp, Inc. common stock held by the trust but disclaims beneficial ownership except to the extent of his and his wife's pecuniary interest therein.

6. These shares are held in a trust for the benefit of the reporting person's grandchild. The reporting person's spouse is a co-trustee of the trust. The reporting person disclaims beneficial ownership of these securities, and the filing of this report is not an admission that the reporting person is the beneficial owner of these securities for purposes of Section 16 or for any other purpose.

Remarks:

	/s/ Jan M. Klym, by Power of Attorney	07/30/2025
	** 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 Alessandro DiNello do in the latest NYCB Form 4?

He gifted 40,000 NYCB common shares on 07/29/2025 at a price of $0.00.

How many NYCB shares does DiNello now own directly?

After the gift, he directly owns 323,776 shares.

How many shares does he hold indirectly through trusts and other vehicles?

Indirect vehicles collectively hold about 890,884 shares.

Were any derivative securities involved in this filing?

No. The Form 4 reports no options, warrants or other derivatives.

Does the transaction indicate selling pressure on NYCB stock?

Unlikely; the shares were gifted, not sold, so immediate market impact should be minimal.