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13.76 USD
EPS
-0.21
Yield
0.26%
Safety Score
42
P/B
0.76
ROE
0.59
Beta
1.02
Target Price
16.53 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 dateOct. 23, 2026
EPS-0.21
Book Value18.28
Price to Book0.76
% Insiders0.942%
Growth
Revenue Growth0.15%
Estimates
Forward P/E9.16
Forward EPS1.51
Target Mean Price16.53
Dividend
Dividend Yield0.26%
Annual dividends0.04 USD
Ex-Div. DateJune 5, 2026
Payout-87.50%
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 13.76 USD. Market analysts have a consensus price target of 16.53 USD. This suggests a potential upside from current levels.

Earnings Schedule: Flagstar Financial, Inc. is expected to release its next earnings report on Oct. 23, 2026. The market consensus estimate for Forward EPS is 1.51.

For income investors, Flagstar Financial, Inc. pays a dividend yield of 0.26%. With a payout ratio of -88%, the dividend appears sustainable.

Investor FAQ

Does Flagstar Financial, Inc. pay a dividend?

Yes, it pays an annual dividend of 0.04 USD (0.26% 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 Oct. 23, 2026. The company currently has a trailing EPS of -0.21.

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
FLG
Trades
Dividend Yield
0.26%
5y avg 6.99%
Annual Dividends
0.04USD
Next Ex. Div Date
June 5, 2026
Payout Ratio
-87.50%
Dividend History paid per year (USD)
Historical Dividends
Year Total Dividends
2027
0.02 USD
June 17, 2027 (estimated) 0.0100
March 17, 2027 (estimated) 0.0100
2026
0.04 USD
Dec. 17, 2026 (estimated) 0.0100
Sept. 17, 2026 (estimated) 0.0100
June 17, 2026 0.0100
March 17, 2026 0.0100
2025
0.04 USD
Dec. 17, 2025 0.0100
Sept. 17, 2025 0.0100
June 17, 2025 0.0100
March 17, 2025 0.0100
2024
0.20 USD
Dec. 17, 2024 0.0100
Sept. 17, 2024 0.0100
June 17, 2024 0.0300
Feb. 28, 2024 0.1500
2023
2.04 USD
Nov. 16, 2023 0.5100
Aug. 17, 2023 0.5100
May 18, 2023 0.5100
Feb. 16, 2023 0.5100
2022
2.04 USD
Nov. 17, 2022 0.5100
Aug. 18, 2022 0.5100
May 19, 2022 0.5100
Feb. 17, 2022 0.5100
2021
2.04 USD
Nov. 16, 2021 0.5100
Aug. 17, 2021 0.5100
May 18, 2021 0.5100
Feb. 16, 2021 0.5100
2020
2.04 USD
Nov. 17, 2020 0.5100
Aug. 18, 2020 0.5100
May 19, 2020 0.5100
Feb. 24, 2020 0.5100
2019
2.04 USD
Nov. 25, 2019 0.5100
Aug. 26, 2019 0.5100
May 28, 2019 0.5100
Feb. 26, 2019 0.5100
2018
2.04 USD
Nov. 20, 2018 0.5100
Aug. 21, 2018 0.5100
May 22, 2018 0.5100
Feb. 27, 2018 0.5100
2017
2.04 USD
Nov. 21, 2017 0.5100
Aug. 3, 2017 0.5100
May 4, 2017 0.5100
Feb. 3, 2017 0.5100
2016
2.04 USD
Nov. 3, 2016 0.5100
Aug. 4, 2016 0.5100
May 4, 2016 0.5100
Feb. 4, 2016 0.5100
2015
3.00 USD
Nov. 4, 2015 0.7500
Aug. 4, 2015 0.7500
May 7, 2015 0.7500
Feb. 5, 2015 0.7500
2014
3.00 USD
Nov. 5, 2014 0.7500
Aug. 6, 2014 0.7500
May 8, 2014 0.7500
Feb. 6, 2014 0.7500
2013
3.00 USD
Nov. 5, 2013 0.7500
Aug. 5, 2013 0.7500
May 3, 2013 0.7500
Feb. 7, 2013 0.7500
2012
2.25 USD
Nov. 5, 2012 0.7500
June 29, 2012 0.7500
March 30, 2012 0.7500
2011
3.75 USD
Dec. 30, 2011 0.7500
Sept. 30, 2011 0.7500
June 30, 2011 0.7500
May 4, 2011 0.7500
Feb. 3, 2011 0.7500
2010
3.00 USD
Nov. 4, 2010 0.7500
Aug. 4, 2010 0.7500
May 3, 2010 0.7500
Feb. 3, 2010 0.7500
2009
3.00 USD
Nov. 4, 2009 0.7500
Aug. 5, 2009 0.7500
May 6, 2009 0.7500
Feb. 4, 2009 0.7500
2008
3.00 USD
Nov. 5, 2008 0.7500
Aug. 4, 2008 0.7500
May 5, 2008 0.7500
Feb. 4, 2008 0.7500
2007
3.00 USD
Nov. 2, 2007 0.7500
Aug. 2, 2007 0.7500
May 2, 2007 0.7500
Feb. 1, 2007 0.7500
2006
3.00 USD
Nov. 1, 2006 0.7500
Aug. 2, 2006 0.7500
May 3, 2006 0.7500
Feb. 2, 2006 0.7500
2005
3.00 USD
Oct. 28, 2005 0.7500
July 28, 2005 0.7500
April 28, 2005 0.7500
Feb. 2, 2005 0.7500
2004
2.88 USD
Oct. 28, 2004 0.7500
Aug. 3, 2004 0.7500
April 29, 2004 0.7500
Jan. 29, 2004 0.6300
2003
1.97 USD
Nov. 7, 2003 0.5625
Aug. 1, 2003 0.5175
May 1, 2003 0.4725
Jan. 30, 2003 0.4219
2002
1.28 USD
Nov. 1, 2002 0.3375
Aug. 1, 2002 0.3375
April 29, 2002 0.3375
Jan. 30, 2002 0.2700
2001
0.91 USD
Nov. 1, 2001 0.2700
Aug. 2, 2001 0.2250
May 3, 2001 0.2250
Feb. 1, 2001 0.1875
2000
0.75 USD
Oct. 30, 2000 0.1875
July 28, 2000 0.1875
April 27, 2000 0.1875
Jan. 28, 2000 0.1875
1999
0.75 USD
Oct. 28, 1999 0.1875
July 29, 1999 0.1875
April 29, 1999 0.1875
Jan. 28, 1999 0.1875
1998
0.50 USD
Oct. 29, 1998 0.1500
July 30, 1998 0.1250
April 29, 1998 0.1250
Jan. 29, 1998 0.1000
1997
0.31 USD
Oct. 30, 1997 0.1000
July 30, 1997 0.0833
April 29, 1997 0.0667
Jan. 30, 1997 0.0556
1996
0.19 USD
Oct. 30, 1996 0.0556
July 30, 1996 0.0553
April 29, 1996 0.0417
Jan. 30, 1996 0.0333
1995
0.05 USD
Oct. 30, 1995 0.0250
July 28, 1995 0.0083
April 25, 1995 0.0083
Jan. 26, 1995 0.0083
1994
0.02 USD
Oct. 26, 1994 0.0083
Oct. 3, 1994 0.0008
Sept. 1, 1994 0.0083
Upcoming Dividends
Name Payment Date Status Amount
Flagstar Financial, Inc. Jun 17, 2026 0.01 USD
Flagstar Financial, Inc. Mar 17, 2026 0.01 USD
Flagstar Financial, Inc. Dec 17, 2025 0.01 USD
Flagstar Financial, Inc. Sep 17, 2025 0.01 USD
Stock Splits
Split Date Split Ratio to 1
Oct. 3, 1994 1.500000
Aug. 23, 1996 1.330000
April 11, 1997 1.500000
Oct. 2, 1997 1.500000
Sept. 30, 1998 1.500000
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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