Flagstar Bank, National Association (FLG)
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.
- Symbol
- FLG
- Exchange
- NYSE
- Sector
- Financial Services
- Industry
- Banks - Regional
- Market cap
- $5.18B
- 52 week range
- 10.57 - 15.44
Valuation
- Share price
- $12.30 (close of 2026-09-23)
- P/E (TTM)
- 310.75x
- Price to book
- 0.64x
- Price to free cash flow
- 32.00x
- Enterprise value
- $10.94B
- Book value per share
- $19.52
Price performance
| Period | Change |
|---|
| 1 day | -2.30% |
| 5 days | -4.21% |
| 1 month | -8.69% |
| 3 months | -18.16% |
| 6 months | -2.61% |
| Year to date | -2.30% |
| 1 year | +5.40% |
| 3 years | -63.16% |
| 5 years | -67.64% |
| 10 years | -72.24% |
| All time | +245.51% |
Profitability and growth
- Return on equity
- -2.17%
- Return on assets
- -0.20%
- Net margin
- -3.96%
- EBITDA margin
- 60.34%
- Revenue growth
- -24.98%
- Net income growth
- 84.17%
- Free cash flow growth
- -310.47%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 3.13%
- Net debt to EBITDA
- 2.24x
Latest reported year
- Period end
- 2025-12-31
- Fiscal year
- 2025
- Revenue
- $4.47B
- EBITDA
- $2.69B
- Net income
- $-177.00M
- Earnings per share
- $-0.50
- Interest expense
- $2.75B
- Shares outstanding
- 415.33M
Income statement by year
| Period end | Revenue | Net income | EPS |
|---|
| 2025-12-31 | $4.47B | $-177.00M | $-0.50 |
| 2024-12-31 | $5.95B | $-1.12B | $-3.49 |
| 2023-12-31 | $5.49B | $-79.00M | $-0.49 |
| 2022-12-31 | $27.00M | $650.00M | $3.78 |
| 2021-12-31 | $23.00M | $596.00M | $3.60 |
| 2020-12-31 | $22.00M | $511.00M | $3.06 |
| 2019-12-31 | $29.00M | $395.00M | $2.31 |
| 2018-12-31 | $29.77M | $422.42M | $2.37 |
| 2017-12-31 | $31.76M | $466.20M | $2.70 |
| 2016-12-31 | $32.66M | $495.40M | $3.03 |
Margins and returns by year
| Period end | Net margin | Return on equity |
|---|
| 2025-12-31 | -3.96% | -2.17% |
| 2024-12-31 | -18.78% | -13.69% |
| 2023-12-31 | -1.44% | -0.94% |
| 2022-12-31 | 2407.41% | 7.37% |
| 2021-12-31 | 2591.30% | 8.46% |
| 2020-12-31 | 2322.73% | 7.47% |
| 2019-12-31 | 1362.07% | 5.88% |
| 2018-12-31 | 1419.17% | 6.35% |
| 2017-12-31 | 1467.93% | 6.86% |
| 2016-12-31 | 1516.61% | 8.09% |
Cash and debt by year
| Period end | Cash | Debt |
|---|
| 2025-12-31 | $5.98B | $8.18B |
| 2024-12-31 | $25.85B | $11.68B |
| 2023-12-31 | $20.63B | $21.27B |
| 2022-12-31 | $2.03B | $21.33B |
| 2021-12-31 | $2.21B | - |
| 2020-12-31 | $1.95B | - |
| 2019-12-31 | $742.00M | - |
| 2018-12-31 | $1.48B | - |
| 2017-12-31 | $2.53B | - |
| 2016-12-31 | $557.85M | - |
Free cash flow by year
| Period end | Free cash flow | Stock-based compensation |
|---|
| 2025-12-31 | $-181.00M | $61.00M |
| 2024-12-31 | $86.00M | $54.00M |
| 2023-12-31 | $263.00M | $47.00M |
| 2022-12-31 | $1.03B | $29.00M |
| 2021-12-31 | $290.00M | $31.00M |
| 2020-12-31 | $334.00M | $29.00M |
| 2019-12-31 | $510.00M | $32.00M |
| 2018-12-31 | $530.51M | $36.26M |
| 2017-12-31 | $1.30B | $36.03M |
| 2016-12-31 | $671.47M | $32.66M |
Dividend history
- Most recent payment
- 2026-09-04
- Paid in the last twelve months
- $0.04
| Payment date | Dividend per share |
|---|
| 2026-09-04 | $0.01 |
| 2026-06-05 | $0.01 |
| 2026-03-06 | $0.01 |
| 2025-12-05 | $0.01 |
| 2025-09-05 | $0.01 |
| 2025-06-06 | $0.01 |
| 2025-03-07 | $0.01 |
| 2024-12-06 | $0.01 |
Investor relations
Next earnings report
- Next confirmed report
- 2026-10-23
- Consensus EPS estimate
- $0.09
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|
| 2026-07-24 | Jun/2026 | $0.06 |
| 2026-04-24 | - | - |
| 2026-01-30 | - | - |
| 2025-10-24 | - | - |
| 2025-07-25 | - | - |
| 2025-04-25 | - | - |
| 2025-01-30 | - | - |
| 2024-10-25 | - | - |
Filings and sources
- Company website
- flagstar.com
- SEC filings
- 10-K, 10-Q and 8-K on EDGAR
- Earnings calendar
- All upcoming reports
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