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13.48 USD
EPS
-0.50
Yield
0.30%
Safety Score
2
P/B
0.70
ROE
-2.17
Beta
1.08
Target Price
15.00 USD
Flagstar Financial, Inc. logo

Flagstar Financial, Inc.

🧾 Earnings Recap – Q3 2025

Flagstar Bank reported improved financial performance in Q3 2025, with a significant narrowing of adjusted net losses and robust growth in C&I lending, signaling positive momentum towards profitability.

  • Adjusted net loss narrowed to $0.07 per diluted share, reflecting continued operational improvements.
  • C&I loan growth surged by nearly $450 million, marking the first robust growth since early last year.
  • Net interest margin expanded for the third consecutive quarter, now at 1.91%, contributing to enhanced revenue generation.
  • Operating expenses decreased by $800 million annually, demonstrating effective cost management.
  • The bank added 99 new relationships year-to-date, including 41 in Q3, enhancing its commercial banking footprint and pipeline.
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Key Metrics
Earnings dateApril 24, 2026
EPS-0.50
Book Value18.37
Price to Book0.70
% Insiders0.807%
Growth
Revenue Growth0.15%
Estimates
Forward P/E7.82
Forward EPS1.65
Target Mean Price15.00
Dividend
Dividend Yield0.30%
Annual dividends0.04 USD
Ex-Div. DateMarch 6, 2026
Payout-27.12%
5y avg Yield6.99%

DCF Valuation

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DCF Result

Fair Value (DCF)
Current Price
Upside
WACC
Terminal PV
Σ PV of FCFs
Note: historical bars show reported FCF (for context); forward bars show PV of projected FCF; if no per-year data, totals are shown.

Flagstar Financial, Inc. Logo Flagstar Financial, Inc. Analysis (FLG)

Is Flagstar Financial, Inc. a good investment? Flagstar Financial, Inc. (FLG) is currently trading at 13.48 USD. Market analysts have a consensus price target of 15.00 USD. This suggests a potential upside from current levels.

Earnings Schedule: Flagstar Financial, Inc. is expected to release its next earnings report on April 24, 2026. The market consensus estimate for Forward EPS is 1.65.

For income investors, Flagstar Financial, Inc. pays a dividend yield of 0.30%. With a payout ratio of -27%, the dividend appears sustainable.

Investor FAQ

Does Flagstar Financial, Inc. pay a dividend?

Yes, it pays an annual dividend of 0.04 USD (0.30% yield).

What asset class is Flagstar Financial, Inc.?

Flagstar Financial, Inc. is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.

When is the next earnings date?

The next earnings date is projected to be April 24, 2026. The company currently has a trailing EPS of -0.50.

Company Profile

Flagstar Bank, National Association provides banking products and services in the United States. The company's deposit products include interest-bearing checking and money market, savings, and non-interest-bearing accounts, as well as certificates of deposit. It offers loan products comprising multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial and industrial loans; one-to-four family loans; specialty finance loans and leases; warehouse loans; and home equity lines of credit, as well as other consumer loans, including overdraft loans. The company offers non-deposit investment and insurance products; and online and mobile banking services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as Flagstar Financial, Inc. Flagstar Bank, National Association was founded in 1859 and is headquartered in Hicksville, New York.

Exchange Ticker
None FLG
Dividend Yield

0.30% (5y avg: 6.99%)

Annual Dividends

0.04 USD

Next ex. div date

March 6, 2026

Payout Ratio

-27.12%

Historical Dividends
Year Total Dividends
2027 0.01 USD
2026 0.04 USD
2025 0.04 USD
2024 0.08 USD
2023 0.68 USD
2022 0.68 USD
2021 0.68 USD
2020 0.68 USD
2019 0.68 USD
2018 0.68 USD
2017 0.68 USD
2016 0.68 USD
2015 1.00 USD
2014 1.00 USD
2013 1.00 USD
2012 0.75 USD
2011 1.25 USD
2010 1.00 USD
2009 1.00 USD
2008 1.00 USD
2007 1.00 USD
2006 1.00 USD
2005 1.00 USD
2004 1.03 USD
2003 1.01 USD
2002 0.76 USD
2001 0.80 USD
2000 0.75 USD
1999 0.75 USD
1998 0.85 USD
1997 0.90 USD
1996 1.03 USD
1995 0.30 USD
1994 0.13 USD

Yearly aggregated dividends

Dividends

Flagstar Financial, Inc.
Mar 17, 2026 Paid
Dividend
0.01 USD
Flagstar Financial, Inc.
Dec 17, 2025 Paid
Dividend
0.01 USD
Flagstar Financial, Inc.
Sep 17, 2025 Paid
Dividend
0.01 USD
Flagstar Financial, Inc.
Jun 17, 2025 Paid
Dividend
0.01 USD

Historical Split Corporate Actions

Split Date Split Ratio to 1
March 30, 2001 1.500000
Sept. 21, 2001 1.500000
May 22, 2003 1.330000
Feb. 18, 2004 1.330000
July 12, 2024 0.330000
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