For the twelve months ended Sep 30, 2026, Flagstar Bank N.A. reported $2.10B of revenue and $96.00M of net income.
FLG revenue was $530.00M in fiscal Q3 2026 (ended Sep 30, 2026), up 2.1% from a year earlier and up 2.7% from the prior quarter. For the full fiscal 2025 it was $2.06B, down 19.2% from fiscal 2024. Compound annual growth was +12.2% over 5 years and +12.8% over 10 years. It rose in 5 of the last 10 fiscal years.
FLG net income was $12.00M in fiscal Q3 2026 (ended Sep 30, 2026), compared with -$36.00M a year earlier and down 64.7% from the prior quarter. For the full fiscal 2025 it was -$177.00M, compared with -$1.12B in fiscal 2024.
FLG diluted EPS was $0.01 in fiscal Q3 2026 (ended Sep 30, 2026), compared with -$0.11 a year earlier and down 83.3% from the prior quarter. For the full fiscal 2025 it was -$0.50, compared with -$3.49 in fiscal 2024.
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 | Dec 31, 2018 | Dec 31, 2017 | Dec 31, 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.06B | $2.55B | $5.76B | $1.64B | $1.35B | $1.16B | $1.04B | $1.12B | $1.35B | $1.43B |
| Selling, general and admin | $307.00M | $513.00M | $389.00M | $158.00M | $127.00M | $124.00M | $120.00M | $129.03M | $178.56M | $187.56M |
| Interest expense | - | - | $2.41B | $696.00M | $400.00M | $608.00M | $848.00M | $658.68M | $452.24M | $387.49M |
| Pre-tax income | -$198.00M | -$1.38B | -$50.00M | $826.00M | $806.00M | $588.00M | $523.00M | $557.67M | $668.22M | $777.13M |
| Income tax | -$21.00M | -$260.00M | $29.00M | $176.00M | $210.00M | $77.00M | $128.00M | $135.25M | $202.01M | $281.73M |
| Net income | -$177.00M | -$1.12B | -$79.00M | $650.00M | $596.00M | $511.00M | $395.00M | $422.42M | $466.20M | $495.40M |
| EPS, basic | -$0.50 | -$3.49 | -$0.49 | $3.78 | $3.60 | $3.06 | $2.31 | $2.37 | $2.70 | $3.03 |
| EPS, diluted | -$0.50 | -$3.49 | -$0.49 | $3.77 | $3.60 | $3.06 | $2.31 | $2.37 | $2.70 | $3.03 |
| Diluted shares | 415.3M | 330.7M | 237.9M | 161.7M | 154.9M | 154.4M | 155.2M | 162.4M | 162.4M | 161.7M |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 | Dec 31, 2018 | Dec 31, 2017 | Dec 31, 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $5.98B | $15.56B | $11.61B | $2.08B | $2.21B | $1.95B | $742.00M | $1.48B | $2.53B | $557.85M |
| Short-term investments | - | $10.42B | $9.16B | $9.07B | - | - | - | - | - | - |
| Goodwill | - | $0 | $0 | $2.43B | $2.43B | $2.43B | $2.43B | $2.44B | $2.44B | $2.44B |
| Total assets | $87.51B | $100.16B | $114.06B | $90.14B | $59.53B | $56.31B | $53.64B | $51.90B | $49.12B | $48.93B |
| Short-term debt | $4.00B | $2.75B | - | - | - | - | - | - | - | - |
| Long-term debt | - | - | - | - | - | - | $295.07M | $294.70M | - | - |
| Total debt | $12.18B | $14.43B | $21.27B | $21.33B | - | - | $295.07M | $294.70M | - | - |
| Total liabilities | $79.37B | $91.99B | $105.69B | $81.32B | $52.48B | $49.46B | $46.93B | $45.24B | $42.33B | $42.80B |
| Shareholders' equity | $8.14B | $8.17B | $8.37B | $8.82B | $7.04B | $6.84B | $6.71B | $6.66B | $6.80B | $6.12B |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 | Dec 31, 2018 | Dec 31, 2017 | Dec 31, 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | -$181.00M | $86.00M | $263.00M | $1.03B | $290.00M | $334.00M | $510.00M | $540.36M | $1.33B | $755.65M |
| Capital expenditures | - | - | - | - | - | - | - | $9.85M | $27.78M | $84.18M |
| Free cash flow | - | - | - | - | - | - | - | $530.51M | $1.30B | $671.47M |
| Investing cash flow | $2.69B | $15.45B | $20.67B | -$6.32B | -$2.76B | -$1.02B | -$2.06B | -$4.02B | $1.06B | $1.22B |
| Financing cash flow | -$12.09B | -$11.59B | -$11.41B | $5.17B | $2.73B | $1.90B | $816.00M | $2.43B | -$418.13M | -$1.95B |
| Dividends paid | $15.00M | $53.00M | $486.00M | $317.00M | $316.00M | $316.00M | $317.00M | $333.06M | $332.15M | $330.81M |
| Share repurchases | - | $0 | $0 | $7.00M | $0 | $50.00M | $67.00M | $160.77M | $18.46M | $8.68M |
| Stock-based compensation | $61.00M | $54.00M | $47.00M | $29.00M | $31.00M | $29.00M | $32.00M | $36.26M | $36.03M | $32.66M |
| Depreciation and amortization | $148.00M | $184.00M | $165.00M | $18.00M | $21.00M | $24.00M | $27.00M | $32.32M | $32.80M | $32.81M |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 | Dec 31, 2018 | Dec 31, 2017 | Dec 31, 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth, YoY | -19.2% | -55.7% | 250.8% | 21.7% | 16.3% | 11.5% | -7.3% | -16.7% | -6.0% | 131.6% |
| Net income growth, YoY | - | - | - | 9.1% | 16.6% | 29.4% | -6.5% | -9.4% | -5.9% | - |
| EPS growth, YoY | - | - | - | 4.7% | 17.6% | 32.5% | -2.5% | -12.2% | -10.9% | - |
| Net margin | -8.6% | -43.8% | -1.4% | 39.6% | 44.1% | 44.0% | 37.9% | 37.6% | 34.6% | 34.6% |
| Free cash flow margin | - | - | - | - | - | - | - | 47.3% | 96.4% | 46.9% |
| Return on equity | -2.2% | -13.7% | -0.9% | 7.4% | 8.5% | 7.5% | 5.9% | 6.3% | 6.9% | 8.1% |
| Return on assets | -0.2% | -1.1% | -0.1% | 0.7% | 1.0% | 0.9% | 0.7% | 0.8% | 0.9% | 1.0% |
| Debt to equity | 1.50 | 1.77 | 2.54 | 2.42 | - | - | 0.04 | 0.04 | - | - |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $530.00M | $516.00M | $498.00M | $557.00M | $519.00M | $496.00M | $490.00M | $625.00M | $623.00M | $671.00M | $633.00M | $867.00M |
| Selling, general and admin | $65.00M | $63.00M | $64.00M | $70.00M | $86.00M | $72.00M | $79.00M | -$44.00M | $188.00M | $183.00M | $236.00M | -$51.00M |
| Interest expense | - | - | - | - | - | - | - | - | - | - | $889.00M | $707.00M |
| Pre-tax income | -$10.00M | $48.00M | $32.00M | $45.00M | -$41.00M | -$81.00M | -$121.00M | -$238.00M | -$335.00M | -$424.00M | -$381.00M | -$2.82B |
| Income tax | -$22.00M | $14.00M | $11.00M | $16.00M | -$5.00M | -$11.00M | -$21.00M | -$50.00M | -$55.00M | -$101.00M | -$54.00M | -$112.00M |
| Net income | $12.00M | $34.00M | $21.00M | $29.00M | -$36.00M | -$70.00M | -$100.00M | -$188.00M | -$280.00M | -$323.00M | -$327.00M | -$2.71B |
| EPS, basic | $0.01 | $0.06 | $0.03 | $0.06 | -$0.11 | -$0.19 | -$0.26 | - | -$0.79 | -$1.14 | -$1.35 | -$11.61 |
| EPS, diluted | $0.01 | $0.06 | $0.03 | $0.06 | -$0.11 | -$0.19 | -$0.26 | - | -$0.79 | -$1.14 | -$1.35 | -$11.57 |
| Diluted shares | 466.0M | 473.6M | 466.6M | - | 415.6M | 415.1M | 414.8M | - | 366.6M | 293.1M | 246.7M | - |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $4.11B | $5.18B | $7.08B | $5.98B | $8.56B | $8.17B | $12.65B | $15.56B | $23.15B | $19.06B | $12.89B | $11.61B |
| Short-term investments | - | - | - | - | $15.11B | $14.84B | - | $10.42B | $10.53B | $10.55B | $9.35B | $9.16B |
| Goodwill | - | - | - | - | - | - | - | $0 | - | - | - | $0 |
| Total assets | $87.41B | $87.71B | $87.13B | $87.51B | $91.67B | $92.24B | - | $100.16B | $114.37B | $119.06B | $112.90B | $114.06B |
| Short-term debt | $5.25B | $4.25B | $3.50B | $4.00B | - | - | - | $2.75B | - | - | - | - |
| Total debt | $10.94B | $10.94B | $11.19B | $12.18B | $13.18B | $13.18B | - | $14.43B | $20.33B | $28.89B | $26.73B | $21.27B |
| Total liabilities | $79.77B | $79.57B | $79.01B | $79.37B | $83.56B | $84.14B | - | $91.99B | $105.80B | $110.40B | $103.92B | $105.69B |
| Shareholders' equity | $7.64B | $8.14B | $8.12B | $8.14B | $8.11B | $8.10B | $8.15B | $8.17B | $8.57B | $8.40B | $8.39B | $8.37B |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | -$5.00M | $226.00M | -$118.00M | -$189.00M | $243.00M | $355.00M | -$590.00M | $623.00M | -$1.04B | $796.00M | -$294.00M | $779.00M |
| Investing cash flow | -$1.14B | -$2.56B | $1.41B | $1.77B | $757.00M | $589.00M | -$425.00M | $4.45B | $9.83B | -$788.00M | $1.96B | -$1.73B |
| Financing cash flow | $73.00M | $424.00M | -$188.00M | -$4.16B | -$612.00M | -$5.42B | -$1.90B | -$12.67B | -$4.69B | $6.02B | -$247.00M | $5.43B |
| Dividends paid | $3.00M | $4.00M | $5.00M | $3.00M | $4.00M | $4.00M | $4.00M | $5.00M | $3.00M | $37.00M | $8.00M | $122.00M |
| Share repurchases | - | - | - | - | - | - | - | - | - | - | $0 | $0 |
| Stock-based compensation | $19.00M | $19.00M | $14.00M | $15.00M | $17.00M | $14.00M | $15.00M | $16.00M | $17.00M | $15.00M | $6.00M | $14.00M |
| Depreciation and amortization | $32.00M | $33.00M | $35.00M | $35.00M | $37.00M | $37.00M | $39.00M | - | - | - | - | - |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth, YoY | 2.1% | 4.0% | 1.6% | -10.9% | -16.7% | -26.1% | -22.6% | -27.9% | -40.2% | -44.2% | -76.1% | 50.3% |
| Net margin | 2.3% | 6.6% | 4.2% | 5.2% | -6.9% | -14.1% | -20.4% | -30.1% | -44.9% | -48.1% | -51.7% | -312.0% |
| Debt to equity | 1.43 | 1.34 | 1.38 | 1.50 | 1.63 | 1.63 | - | 1.77 | 2.37 | 3.44 | 3.19 | 2.54 |
Source: XBRL data Flagstar Bank N.A. files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.
* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.
Per-share figures and share counts are restated for stock splits the filings show: 1-for-3, first reported Aug 9, 2024.
EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.
| Company | Revenue | Growth | Net income | Net margin | Market cap |
|---|---|---|---|---|---|
| FLG | $2.10B | -1.4% | $96.00M | 4.6% | $4.36B |
| BBT | $887.69M | +93.0% | $159.79M | 18.0% | $2.56B |
| HFWA | $314.90M | +33.0% | $77.45M | 24.6% | $1.16B |
| NBBK | $283.44M | +43.2% | $66.95M | 23.6% | $968.0M |
| SMBC | $204.74M | +9.0% | $75.29M | 36.8% | $776.0M |
| TCBX | $248.00M | +24.8% | $75.26M | 30.3% | $646.4M |
| GCBC | $95.87M | +19.9% | $44.65M | 46.6% | $615.0M |
| HBCP | $156.11M | +7.0% | $44.48M | 28.5% | $474.1M |