FLAGSTAR BANK, NATIONAL ASSOCIATION

FLG

FLAGSTAR BANK, NATIONAL ASSOCIATION

FLG

Insider Sentiment (TTM):

Last Purchase:2025-12-04Last Sale:2025-09-04Shares Purchased (TTM):95Shares Sold (TTM):4

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:370,873,118Shares Outstanding:416,149,153Institutional Ownership Pct.:89.12%

Earnings Market Reaction:

Filing Date:2026-05-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

Companies in Savings Institutions, Not Federally Chartered

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Cash And Cash Equivalents At Carrying Value	-	-	8,484	8,094	15,430	23,080	18,990	12,890	11,475	6,929	15,806
Cash And Due From Banks	401	553	-	-	434	-	-	-	-	-	-
Secured Longterm Debt Cur…
Available For Sale Securities Debt Securities	-	-	-	-	-	10,511	10,535	9,336	-	8,723	7,782
Interest Bearing Deposits In Banks	6,605	5,341	-	-	14,996	-	-	-	-	-	-
Debt Securities Available For Sale Excluding Accru…	14,514	15,701	15,052	14,823	10,402	-	-	-	9,145	-	-
Equity Securities Fv Ni	56	65	55	14	14	14	14	14	14	13	14
Short Term Investments	-	-	15,107	14,837	10,416	10,525	10,549	9,350	9,159	8,736	7,796
Loans Receivable Held For Sale Amount	233	265	535	319	899	1,851	7,845	981	1,182	1,926	2,194
Assets
Assets	87,129	87,512	91,668	92,237	100,160	114,367	119,055	112,900	114,057	111,230	118,796
Financing Receivable Excluding Accrued Interest Be…	60,425	60,732	62,661	64,121	68,272	71,116	74,552	82,327	84,619	83,995	83,278
Financing Receivable Allowance For Credit Loss Exc…	-954	-1,030	-1,071	-1,106	-1,201	-1,264	-1,268	-1,215	-992	-619	-594
Financing Receivable Excluding Accrued Interest Af…	59,471	59,702	61,590	63,015	67,071	69,852	73,284	81,112	83,627	83,376	82,684
Federal Home Loan Bank Stock	-	-	1,018	1,017	1,146	1,364	1,565	1,550	1,392	1,110	1,136
Property Plant And Equipment Net	474	477	464	474	562	649	691	679	652	638	660
Intangible Assets Net Excluding Goodwill	356	381	407	433	488	519	557	590	625	661	697
Goodwill	-	-	-	-	-	-	-	-	0	2,426	2,426
Servicing Asset	-	-	-	-	-	-	-	-	1,111	-	-
Bank Owned Life Insurance	-	-	1,633	1,625	1,605	1,595	1,586	1,586	1,580	1,576	1,567
Other Assets	5,019	5,027	2,430	2,423	5,294	3,301	2,866	3,070	3,254	2,717	2,799
Assets Of Disposal Group Including Discontinued Op…	-	-	-	-	-	1,631	-	-	-	-	-
Servicing Asset At Fair Value Amount	-	-	-	-	26	0	1,122	1,092	1,111	1,135	1,031
Liabilities And Stockhold…
Interest Bearing Deposit Liabilities	19,310	18,233	20,045	19,067	20,780	21,680	21,740	22,172	30,700	31,087	30,795
Deposits
Deposits	66,832	66,000	69,152	69,745	75,870	83,013	79,032	74,858	81,526	82,675	88,497
Deposits Savings Deposits	15,005	14,864	14,782	14,460	14,282	13,510	10,638	8,171	8,773	9,415	9,762
Time Deposits	20,719	20,843	22,369	24,212	27,324	29,251	28,780	26,763	21,554	17,310	18,188
Noninterest Bearing Deposit Liabilities	11,798	12,060	11,956	12,006	13,484	18,572	17,874	17,752	20,499	24,863	29,752
Debt Longterm And Shortterm Combined Amount	11,186	12,184	-	-	14,426	-	-	-	-	-	-
Other Liabilities	990	1,184	1,225	1,216	1,696	1,978	2,476	2,330	2,897	2,977	2,827
Liabilities	79,008	79,368	83,559	84,141	91,992	105,795	110,400	103,915	105,690	100,237	107,736
Securities Borrowed
Junior Subordinated Debenture Owed To Unconsolidat…	-	-	-	-	-	-	-	-	579	-	-
Federal Home Loan Bank Advances Long Term	-	-	-	-	-	19,250	27,750	23,750	-	13,023	15,400
Federal Funds Purchased	-	-	-	-	-	-	-	-	-	547	-
Securities Sold Under Agreements To Repurchase	-	-	-	-	-	60	121	1,958	-	-	-
Junior Subordinated Notes	-	-	584	584	582	581	580	580	579	578	577
Temporary Equity
Preferred Stock Value Outstanding	-	-	-	-	-	-	-	-	-	503	503
Temporary Equity Carrying Amount Attributable To P…	1	1	1	1	1	1	258	595	0	0	0
Common Stock Value Outstanding	-	-	-	-	-	-	-	-	-	7	7
Liabilities Of Disposal Group Including Discontinu…	-	-	-	-	-	471	-	-	-	-	-
Subordinated Debt	-	448	448	446	444	442	441	439	438	437	435
Preferred Stock Value	503	503	503	503	503	503	503	503	503	-	-
Long Term Debt	7,685	8,184	13,182	13,180	11,676	20,333	28,892	26,727	21,267	14,585	16,412
Common Stock Value	4	4	4	4	4	4	4	8	7	-	-
Stockholders Equity
Stockholders Equity	8,120	8,143	8,108	8,095	8,167	8,571	8,397	8,390	8,367	10,993	11,060
Additional Paid In Capital	9,288	9,303	9,300	9,291	9,282	9,266	8,997	8,648	8,231	8,217	8,204
Retained Earnings Accumulated Deficit	-980	-988	-1,006	-957	-763	-562	-270	73	443	3,278	3,205
Treasury Stock Common Value	-167	-190	-198	-204	-219	-219	-223	-225	-218	-217	-217
Liabilities And Stockholders Equity	87,129	87,512	91,668	92,237	100,160	114,367	119,055	112,900	114,057	111,230	118,796
Accumulated Other Compreh…
Accumulated Other Comprehensive Income Loss Net Of…	-528	-489	-495	-542	-640	-421	-614	-617	-599	-795	-642
Debt Securities Available For Sale Restricted	-	-	-	-	-	10,236	9,402	8,683	2,822	1,380	1,275
Loans Held For Sale Fair Value Disclosure	-	-	-	-	-	1,595	1,451	981	902	1,325	1,115
Preferred Stock Par Or Stated Value Per Share	-	-	-	-	-	-	-	-	0.01	0.01	0.01
Preferred Stock Shares Authorized	-	-	-	-	-	-	-	-	5	5	5
Preferred Stock Shares Issued	-	-	-	-	-	-	-	-	1	1	1
Preferred Stock Shares Outstanding	-	-	-	-	-	-	-	-	1	1	1
Financing Receivable Unamortized Loan Fee Cost	-	-	-	-	-	67	68	66	-	-	-
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	917	917	667	667	667	667	667	900	900	900	900
Common Stock Shares Issued	423	423	423	423	422	423	359	276	248	248	248
Shares Outstanding	417	416	416	415	415	415	351	804	722	723	722
Treasury Stock Common Shares	6	7	7	7	7	7	8	23	22	22	22
Stockholders Equity Note Stock Split Conversion Ra…	-	-	-	-	-	-	0	-	-	-	-
Accumulated Other Comprehensive Income Loss Availa…	-	-	-	-	-653	-468	-674	-651	-581	-863	-668
Accumulated Other Comprehensive Income Loss Define…	-	-	-	-	-35	-27	-28	-27	-28	-42	-43
Aoci Loss Cash Flow Hedge Cumulative Gain Loss Aft…	-	-	-	-	47	74	88	61	10	110	69

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-1.61%	7.00%	-3.01%	-	-	-	-	-	-	-	-	-
2025	-	-	-	12.75%	1.93%	6.59%	12.29%	17.25%	18.53%	-3.16%	15.54%	4.34%
2024	-4.64%	-6.37%	8.75%	15.94%	22.69%	12.94%	8.42%	-18.13%	-13.78%	-1.36%	-0.25%	0.51%
2023	8.78%	13.42%	37.84%	-5.16%	-12.70%	-28.64%	8.18%	11.56%	13.63%	-16.80%	-5.87%	-12.27%
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Performance and Valuation Metrics

Metrics	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Leverage & Debt
Interest Coverage TTM	0.72	0.42	0.15	-0.03	0.21	-0.74	-0.30	0.13	0.97	2.44	2.82
Per Share Metrics
Diluted EPS TTM	-0.42	-0.98	-1.44	-2.14	-1.74	-5.01	-3.62	-3.30	-0.16	3.79	3.73
Free Cash Flow Per Share TTM	-0.72	1.06	-0.98	0.35	0.13	0.33	2.66	-4.14	0.35	-0.18	-1.32
Dividend Per Share TTM	0.05	0.05	0.05	0.13	0.08	0.23	0.33	0.66	0.68	0.61	0.55
Margin Metrics
Gross Profit Margin TTM	39.71%	22.20%	18.03%	18.95%	21.22%	32.31%	38.60%	44.67%	47.31%	50.44%	38.67%
Operating Profit Margin TTM	-3.05%	-7.49%	-13.53%	-19.31%	-23.15%	-65.49%	-55.71%	-40.84%	-0.91%	72.79%	113.39%
Net Profit Margin TTM	-3.61%	-6.97%	-11.68%	-15.91%	-19.37%	-60.76%	-52.87%	-40.95%	-2.04%	67.81%	106.09%
Growth Metrics
Net Revenue Growth (1Y)	-8.45%	-3.61%	-14.68%	-6.48%	8.41%	49.04%	136.36%	465.88%	20,237.04%	17,526.09%	10,512.50%
Net Income Growth (1Y)	-82.91%	-88.94%	-81.15%	-63.68%	929.46%	-233.54%	-217.80%	-199.07%	-118.15%	331.55%	332.32%
EPS Growth (1Y)	-72.84%	-80.47%	-60.11%	-35.25%	1,010.74%	-231.57%	-196.76%	-191.95%	-116.40%	270.43%	271.76%
Valuation Metrics
P/E TTM	-27.80	-12.86	-7.98	-4.94	-5.33	-2.23	-2.65	-2.90	-191.67	8.61	8.57
P/B TTM	0.67	0.64	0.59	0.54	0.75	0.96	1.00	0.84	2.57	2.15	2.09
P/S TTM	1.00	0.90	0.93	0.79	1.03	1.36	1.40	1.19	3.91	5.84	9.10
Market Cap	5.48B	5.22B	4.79B	4.39B	6.14B	8.19B	8.44B	7.08B	21.47B	23.68B	23.17B
Enterprise Value	6.08B	7.43B	9.41B	9.40B	2.26B	5.37B	18.27B	20.78B	31.13B	31.13B	23.56B
Calculated Values
Free Cash Flow TTM	-299.00M	442.00M	-408.00M	145.00M	86.00M	242.00M	2.34B	-3.07B	252.00M	-132.00M	-954.00M
Net Debt	600.00M	2.21B	4.62B	5.01B	-3.88B	-2.82B	9.84B	13.70B	9.66B	7.46B	392.00M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2025-12-04Purchase

Owner: Raffetto, Richard A

Title: SEVP Pres of Com & Priv Bnking

Shares: 95

Price/Share: $12.85

Value: $1,220.75

Shares Owned: 1,386

Relationship: Officer

Ownership: Indirect

2025-09-04Sale

Owner: Raffetto, Richard A

Title: SEVP Pres of Com & Priv Bnking

Shares: 4

Price/Share: $12.93

Value: $51.72

Shares Owned: 1,212

Relationship: Officer

Ownership: Indirect

2024-03-21Purchase

Owner: Lux, Marshall

Title: -

Shares: 27,100

Price/Share: $3.69

Value: $99,999.00

Shares Owned: 64,872

Relationship: Director

Ownership: Direct

2024-02-09Purchase

Owner: Schoels, Peter

Title: -

Shares: 100,000

Price/Share: $4.15

Value: $415,000.00

Shares Owned: 147,438

Relationship: Director

Ownership: Direct

2024-02-09Purchase

Owner: Davis, Reginald E

Title: Sr EVP & President of Banking

Shares: 1,200

Price/Share: $4.10

Value: $4,920.00

Shares Owned: 94,317

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2025-12-04	Raffetto, Richard A	Officer	SEVP Pres of Com & Priv Bnking	Indirect	Purchase	95	12.85	$1,220.75	1,386	4
2025-09-04	Raffetto, Richard A	Officer	SEVP Pres of Com & Priv Bnking	Indirect	Sale	4	12.93	$51.72	1,212	4
2024-03-21	Lux, Marshall	Director	-	Direct	Purchase	27,100	3.69	$99,999.00	64,872	4
2024-02-09	Schoels, Peter	Director	-	Direct	Purchase	100,000	4.15	$415,000.00	147,438	4
2024-02-09	Davis, Reginald E	Officer	Sr EVP & President of Banking	Direct	Purchase	1,200	4.10	$4,920.00	94,317	4
2024-02-09	Whip, Jennifer R	Director	-	Direct	Purchase	5,100	4.17	$21,267.00	92,864	4
2024-02-09	Signorille-Browne, Julie	Officer	SEVP & COO	Direct	Purchase	2,000	4.76	$9,520.00	22,188	4
2024-02-09	Treadwell, David L	Director	-	Direct	Purchase	15,000	4.17	$62,550.00	173,900	4
2024-02-09	Dinello, Alessandro	Director,Other	-	Indirect	Purchase	50,000	4.19	$209,500.00	114,305	4
2024-02-09	Smith, Lee Matthew	Officer	SEVP & President of Mortgage	Direct	Purchase	25,000	4.05	$101,250.00	1,440,683	4
2024-02-09	Cangemi, Thomas R	Director,Officer	President and CEO	Indirect	Purchase	11,310	4.41	$49,877.10	69,704	4
2023-11-02	Davis, Reginald E	Officer	Sr EVP & President of Banking	Direct	Sale	11,000	9.84	$108,240.00	70,416	4
2023-08-14	Davis, Reginald E	Officer	Sr EVP & President of Banking	Direct	Sale	24,000	12.60	$302,400.00	81,416	4
2023-02-07	Davis, Reginald E	Officer	Sr EVP & President of Banking	Direct	Sale	4,600	9.97	$45,862.00	123,033	4
2023-02-06	Rosenfeld, Ronald A.	Director	-	Indirect	Purchase	30,800	24.57	$756,756.00	30,800	4
2023-02-03	Lux, Marshall	Director	-	Direct	Purchase	5,000	10.06	$50,300.00	17,000	4
2022-12-19	Rosenfeld, Ronald A.	Director	-	Indirect	Sale	138,199	8.74	$1,207,859.26	12,320	4
2022-12-06	Lux, Marshall	Director	-	Direct	Purchase	6,000	8.53	$51,180.00	12,000	4
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Institutional Ownership

No data available for chart

2026-03-31

89.12%

Inst. Shares: 370,873,118

Shares Outstanding: 416,149,153

2025-12-31

87.33%

Inst. Shares: 362,704,786

Shares Outstanding: 415,327,556

2025-09-30

85.87%

Inst. Shares: 356,829,887

Shares Outstanding: 415,563,380

2025-06-30

87.49%

Inst. Shares: 363,181,692

Shares Outstanding: 415,125,228

2025-03-31

52.96%

Inst. Shares: 350,294,492

Shares Outstanding: 661,427,034

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	370,873,118	416,149,153	89.12%
2025-12-31	362,704,786	415,327,556	87.33%
2025-09-30	356,829,887	415,563,380	85.87%
2025-06-30	363,181,692	415,125,228	87.49%
2025-03-31	350,294,492	661,427,034	52.96%
2024-12-31	348,147,834	661,427,034	52.64%
2024-09-30	257,881,919	733,275,764	35.17%
2024-06-30	610,233,599	879,366,348	69.39%
2023-12-31	484,699,901	713,643,549	67.92%
2023-09-30	470,525,404	722,486,508	65.13%
2023-06-30	471,408,221	722,264,568	65.27%
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FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) — SEC Financial Statements & Analysis

FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) is a savings institutions, not federally chartered company. FLAGSTAR BANK, NATIONAL ASSOCIATION trades on NYSE as: FLG, FLG-PA, FLG-PU. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), FLAGSTAR BANK, NATIONAL ASSOCIATION reported a -8.45% year-over-year revenue growth, a Gross Profit Margin of 39.71% (TTM), a Price-to-Sales (P/S) ratio of 1.00x (TTM), a Price-to-Book (P/B) ratio of 0.67 (TTM), at a market cap of $5.48B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: -8.45%
Gross Profit Margin TTM: 39.71%
P/S TTM: 1.00x
P/B TTM: 0.67
Market Cap: $5.48B

Data as of 2026-03-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is FLAGSTAR BANK, NATIONAL ASSOCIATION in?

FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) operates in the Savings Institutions, Not Federally Chartered industry.

What is FLG's market cap?

FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) has a market capitalization of $5.48B as of 2026-03-31.

What exchange does FLG trade on?

FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) trades on the NYSE.

FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) — SEC Financial Statements & Analysis

Frequently Asked Questions

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