FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) Company Report

FLG returned to profitability in Q4 2025, reporting net income attributable to common stockholders of $0.05 per diluted share and an adjusted $0.06 per diluted share.
The company forecasts EPS for 2026 to be in the $0.65-$0.70 range and expects a full year of profitability driven by continued net interest income growth, margin expansion, and disciplined expense management.
Net Interest Margin (NIM) improved 23 basis points quarter-over-quarter to 2.14% (2.05% excluding a one-time benefit) in Q4 2025, with expectations for continued quarter-over-quarter improvement through 2026.
FLG achieved strong net C&I loan growth, up 2% on a linked quarter basis, while reducing overall CRE exposure by $2.3 billion and lowering its CRE concentration ratio below 400%.
The CET1 capital ratio increased to 12.83%, positioning FLG among the best-capitalized regional banks with over $2 billion in excess capital pre-tax relative to its target operating range.

4 days ago

Transcript

Flagstar Bank Reports Return to Profitability in Q4 2025 and Provides 2026-2027 EPS Guidance

FLG

Earnings

Guidance Update

Revenue Acceleration/Inflection

Flagstar Bank returned to profitability in Q4 2025, reporting adjusted net income of $30 million or $0.06 per diluted share, compared to a net loss in the previous quarter.
The bank achieved Net Interest Margin (NIM) expansion of 14 basis points quarter-over-quarter, reaching 2.05% excluding a one-time hedge gain.
Credit quality improved, with non-accrual loans declining $267 million (8%) to $3 billion and a $27 million (37%) decrease in net charge-offs compared to the previous quarter.
The CET1 capital ratio increased to 12.83%, positioning the bank among the best-capitalized regional banks.
For 2026, EPS is forecast to be in the $0.65-$0.70 range, and for 2027, it is expected to be in the $1.90-$2.00 range.

4 days ago

Transcript

Flagstar Bank Returns to Profitability in Q4 2025 and Provides Strong EPS Guidance

FLG

Earnings

Guidance Update

New Projects/Investments

Flagstar Bank returned to profitability in Q4 2025, reporting adjusted net income of $30 million or $0.06 per diluted share, a significant improvement from a net loss of $0.07 per diluted share in the previous quarter.
The bank provided an EPS forecast for 2026 in the range of $0.65-$0.70 and for 2027 in the range of $1.90-$2.00.
Credit quality metrics trended positively, with Criticized and Classified Loans decreasing $330 million quarter-over-quarter, Non-Accrual Loans down $267 million, and net charge-offs declining $27 million. The bank also reduced its CRE balances by $12.1 billion (25%) since year-end 2023.
Flagstar improved its Net Interest Margin (NIM) by 14 basis points quarter-over-quarter to 2.05% (excluding a one-time benefit) and reduced funding costs by paying off $1.7 billion in brokered deposits and $1 billion in FHLB advances. The CET1 capital ratio stood at a strong 12.83%, representing over $2.1 billion in excess capital.

4 days ago

Transcript

FLAGSTAR BANK, NATIONAL ASSOCIATION Reports Return to Profitability in Q4 2025 and Provides Strong 2026-2027 EPS Guidance

FLG

Earnings

Guidance Update

Revenue Acceleration/Inflection

FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) returned to profitability in Q4 2025, reporting an adjusted diluted EPS of $0.06.
The company provided a positive outlook, forecasting adjusted diluted EPS of $0.65 - $0.70 for 2026 and $1.90 - $2.00 for 2027.
Credit quality significantly improved, with criticized and classified loans decreasing $2.9 billion (19%) compared to December 31, 2024, and the net charge-off ratio declining to 30 basis points in Q4 2025.
FLG proactively managed its Commercial Real Estate (CRE) portfolio, reducing the CRE concentration ratio to 381% from 405% in the prior quarter, and achieving $1.8 billion in multi-family and CRE par payoffs.
The CET1 ratio strengthened to 12.83% at December 31, 2025, and adjusted operating expenses were reduced by almost $700 million (26%) through operational efficiencies.

5 days ago

8-K

Flagstar Bank Reports Return to Profitability in Q4 2025

FLG

Earnings

Revenue Acceleration/Inflection

Flagstar Bank returned to profitability in Fourth Quarter 2025, reporting net income attributable to common stockholders of $21 million or $0.05 per diluted share, and adjusted net income attributable to common stockholders of $30 million or $0.06 per diluted share.
The Net Interest Margin (NIM) increased by 23 basis points quarter-over-quarter to 2.14%, with the adjusted NIM rising 14 basis points to 2.05%.
C&I lending showed strong momentum, with commitments up 28% to $3 billion and originations up 22% to $2.1 billion compared to the prior quarter, leading to a 2% increase in total C&I loans.
The Bank demonstrated strong expense management, with operating expenses down 3% quarter-over-quarter and 26% for the full-year 2025.
Credit quality improved as non-accrual loans declined 8% compared to the prior quarter, provision for credit losses declined 92%, and the CRE concentration ratio improved to 381% from 405%.

5 days ago

8-K

Flagstar Bank Reports Return to Profitability in Q4 2025

FLG

Earnings

New Projects/Investments

Guidance Update

Flagstar Bank returned to profitability in Q4 2025, reporting net income attributable to common stockholders of $21 million, or $0.05 per diluted share, compared to a net loss of $45 million, or $0.11 per diluted share, in Q3 2025. Adjusted net income attributable to common stockholders was $30 million, or $0.06 per diluted share.
The bank demonstrated improved credit quality, with non-accrual loans declining 8% and net charge-offs improving to 0.30% of average loans in Q4 2025. The provision for credit losses also decreased 92% quarter-over-quarter.
Net Interest Margin (NIM), excluding hedge gains, expanded by 14 basis points to 2.05% quarter-over-quarter, and operating expenses decreased 3% compared to the prior quarter.
Total Commercial & Industrial (C&I) loans grew 2% quarter-over-quarter to $15.2 billion, driven by a 28% increase in commitments to $3 billion and a 22% increase in originations to $2.1 billion.
The bank continued to reduce its Commercial Real Estate (CRE) exposure, with the CRE concentration ratio improving to 381% from 405% in Q3 2025. Total assets stood at $87.5 billion and total deposits at $66.0 billion as of December 31, 2025.

5 days ago

Press Release

Flagstar Bank N.A. Reports Narrowed Q3 2025 Net Loss and Strong C&I Loan Growth

FLG

Earnings

Guidance Update

Revenue Acceleration/Inflection

Flagstar Bank N.A. reported an adjusted net loss of $0.07 per diluted share for Q3 2025, which significantly narrowed compared to the second quarter.
The company achieved strong C&I business performance, with $1.7 billion in new loan originations and $448 million in net loan growth in the C&I portfolio during Q3 2025.
Net interest margin expanded for the third consecutive quarter, increasing 10 basis points to 1.91%, while operating expenses were reduced by $800 million on an annualized basis year-over-year.
Credit quality improved, with criticized and classified assets declining $600 million or 5% on a linked-quarter basis and $2.8 billion or 20% year-to-date.
Flagstar Financial updated its 2025 adjusted diluted EPS forecast to a range of minus $0.36 to minus $0.41 per diluted share and expects the balance sheet to grow from a Q4 2025 low of $90-$91 billion to $108-$109 billion by the end of 2027.

Oct 24, 2025, 12:00 PM

Transcript

Flagstar Reports Q3 2025 Net Loss, NIM Expansion, and Provides 2025 EPS Guidance

FLG

Earnings

Guidance Update

Legal Proceedings

Flagstar reported a net loss attributable to common stockholders of $0.11 per diluted share and an adjusted net loss of €0.07 per diluted share for Q3 2025.
The company achieved net interest margin (NIM) expansion of 10 basis points quarter-over-quarter, reaching 1.91% in Q3 2025, and maintained a strong CET1 capital ratio of 12.45%.
Non-interest expenses declined by €3,000,000 in Q3 2025, contributing to a 30% year-over-year reduction, and the company paid off an additional €2,000,000,000 of high-cost brokered deposits.
Flagstar experienced net C&I loan growth of approximately €450,000,000 in Q3 2025 and anticipates funding €1,750,000,000 to €2,000,000,000 in C&I loans per quarter going forward. Criticized and classified loans decreased by about €600,000,000 during the quarter.
The full-year 2025 adjusted diluted EPS is forecasted to be in the range of minus €0.36 to minus €0.41 per diluted share. Total assets are projected to be €90,000,000,000 to €91,000,000,000 by the end of 2025, growing to approximately €108,000,000,000 to €109,000,000,000 by 2027.

Oct 24, 2025, 12:00 PM

Transcript

Flagstar Bank N.A. Reports Q3 2025 Results with Narrowed Loss and Strong C&I Growth

FLG

Earnings

Guidance Update

Revenue Acceleration/Inflection

Flagstar Bank N.A. reported an adjusted net loss of $0.07 per diluted share for Q3 2025, a substantial narrowing compared to the second quarter, and its net interest margin expanded for the third consecutive quarter, increasing 10 basis points to 1.91%.
The company achieved significant C&I business growth in Q3 2025, with $1.7 billion in new loan originations and $448 million in overall net loan growth, driven by specialized industries and corporate and regional commercial banking.
Operating expenses were down $800 million on an annualized basis year-over-year, and credit quality improved with criticized and classified assets declining $600 million (5%) on a linked-quarter basis.
Flagstar updated its full-year 2025 adjusted diluted EPS guidance to a range of minus $0.36 to minus $0.41 per diluted share and expects total assets to reach a low point of $90 to $91 billion in Q4 2025, growing to approximately $108-109 billion by 2027.

Oct 24, 2025, 12:00 PM

Transcript

Flagstar Bank N.A. Reports Narrowed Q3 2025 Net Loss and Strong C&I Loan Growth

FLG

Earnings

Guidance Update

Revenue Acceleration/Inflection

Flagstar Bank N.A. reported an adjusted net loss of $0.07 per diluted share for Q3 2025, a significant improvement from the prior quarter, with its net interest margin expanding 10 basis points to 1.91%.
The company saw a breakout quarter in its Commercial & Industrial (C&I) business, originating $1.7 billion in new loans and achieving $448 million in net loan growth. Future C&I originations are projected to be between $1.7 billion and $2.2 billion per quarter.
Operating expenses were reduced by $800 million on an annualized basis year-over-year, and criticized and classified assets declined by $600 million (5%) on a linked-quarter basis.
Flagstar anticipates total assets to be $90 billion-$91 billion by Q4 2025, growing to $96 billion-$97 billion by the end of 2026 and $108 billion-$109 billion by the end of 2027.
The full-year 2025 adjusted diluted EPS guidance is set in the range of minus $0.36 to minus $0.41 per diluted share.

Oct 24, 2025, 12:00 PM

Transcript

Earnings Transcripts

Quarterly earnings call transcripts for FLAGSTAR BANK, NATIONAL ASSOCIATION.

Q4 2025

Jan 30, 2026

→

Q3 2025

Oct 24, 2025

→

View All Transcripts

Ask Fintool AI Agent

Get instant answers from SEC filings, earnings calls & more

What did Joseph M. Otting say about margins?What are FLAGSTAR BANK, NATIONAL ASSOCIATION's strategic priorities?How is FLAGSTAR BANK, NATIONAL ASSOCIATION positioned vs competitors?How did FLAGSTAR BANK, NATIONAL ASSOCIATION do last quarter?

FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG)

Analyst Earnings Quarterly Reports

Q3 2025

Q2 2025

Q1 2025

Q4 2024

Q4 2025

Executives

Joseph M. Otting

Bao Nguyen

Lee M. Smith

Reginald E. Davis

Richard Raffetto

Board Members

Alan Frank

Alessandro P. DiNello

Allen C. Puwalski

Jennifer R. Whip

Marshall Lux

Milton Berlinski

Steven T. Mnuchin

Analyst Coverage

Christopher Marinac

David Smith

Jon Arfstrom

Manan Gosalia

Bernard Von Gizycki

Chris McGratty

Dave Rochester

David Chiaverini

Matthew Breese

Anthony Elian

Casey Haire

Jared Shaw

Ebrahim Poonawala

Janet Lee

John Rowe

Mark Fitzgibbon

Bernard Vongezeki

Christopher McGratty

Ibrahim Punawala

Mark Pitzey

Matthew Brees

Latest news

Earnings Transcripts

Q4 2025

Q3 2025

Ask Fintool AI Agent