FLG
Flagstar Bank, National Association12.93
-0.16-1.22%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Buybacks eyed with excess capital.
Q&A zeroed in on buyback potential, with management eyeing an April Board vote amid $1.4B after-tax excess capital and faster CRE payoffs than the scripted $700-800M quarterly pace. NII guidance cut $100M from elevated $3.5-5B 2026 payoffs (40-50% substandard), deleveraging, and C&I 'tall tree' rightsizing, yet C&I ramps with $25-30M average deals at 230bps over SOFR and 70% utilization. Deposits eyed from C&I relationships and private banking. NYC rent freezes modeled but payoffs accelerated, 93% borrower financials stable/improving. Buybacks loom large. Confident execution tone; watch capital returns, growth delivery.
Key Stats
Market Cap
5.38BP/E (TTM)
-Basic EPS (TTM)
-0.89Dividend Yield
0%Recent Filings
8-K
DiNello exits; Miller joins Board
Flagstar Bank announced on March 25, 2026, that director Alessandro DiNello won't seek re-election at the June 9 Annual Meeting, with no disagreements cited. Eli H. Miller, Liberty Strategic Capital Senior Managing Director and ex-Treasury Chief of Staff, joins the Board April 1 to fill the vacancy, serving on Risk Assessment and Technology Committees per the 2024 Liberty investment agreement. Standard director pay: $97,500 cash, $130,000 equity. New blood brings policy heft.
10-K
FY2025 results
Flagstar Bank narrowed its FY2025 net loss to $177M from $1.1B in 2024, with NII dropping 20% to $1.7B on a 6bps NIM contraction to 1.89% amid strategic shrinkage of average loans from $79B to $65B, driven by $7.5B cuts in multi-family (down 15% to $29B) and CRE (down 21% to $9.3B) portfolios. Q4 momentum shone through profitability—the first since acquisition tumult—fueled by normalized credit trends slashing provision expense 83% to $184M, ACL relief to 1.7% coverage, and noninterest expense down 27% via Mortgage ops sale and cost discipline. Deposits fell 13% to $66B after brokered CD payoffs, yet liquidity swelled to $27B; capital ratios strengthened to 16.2% total risk-based. No annual guidance issued. Heightened CRE scrutiny risks quarterly momentum.
8-K
Flagstar profits, cuts CRE risk
Flagstar Bank snapped back to Q4 2025 profitability with $21M net income to common stockholders ($0.05/share), fueled by NIM expansion to 2.14% and C&I loan growth of $343M to $15.2B amid $1.8B CRE payoffs. Credit sharpened: non-accruals down 8%, provision plunged 92% to $3M, CET1 at 12.83%. Turnaround gaining steam.
8-K
Q4 profit return, C&I growth
Flagstar Bank returned to profitability in Q4 2025, posting adjusted net income of $38 million and diluted EPS of $0.06, fueled by C&I loan growth of $343 million (2% QoQ) and NIM expansion to 2.14%. CRE concentration fell to 381% after $1.8 billion par payoffs (50% substandard), while criticized loans dropped 19% YTD. Guidance eyes 2026 NII at $2.15-2.2 billion.
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