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Flagstar Financial (FLG) Expected to Beat Earnings Estimates: Should You Buy?
Fri 18 Apr 25, 02:00 PMBlack Bear Value Fund’s Views on Flagstar Financial (FLG)
Wed 09 Apr 25, 12:11 PMFLAGSTAR FINANCIAL, INC. ANNOUNCES JUNE 4TH DATE FOR ITS 2025 ANNUAL MEETING OF SHAREHOLDERS
Mon 24 Feb 25, 10:00 PMFLAGSTAR FINANCIAL, INC. TO PRESENT AT THE BOFA SECURITIES FINANCIAL SERVICES CONFERENCE
Tue 04 Feb 25, 09:30 PMFlagstar Financial Full Year 2024 Earnings: EPS Beats Expectations
Fri 31 Jan 25, 11:50 AM| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | -198.00000M | -1378.00000M | -50.00000M | 826.00M | 806.00M |
| Minority interest | - | - | - | - | - |
| Net income | -177.00000M | -1118.00000M | -79.00000M | 650.00M | 596.00M |
| Selling general administrative | 1178.00M | 2385.00M | 1899.00M | 512.00M | 430.00M |
| Selling and marketing expenses | - | - | - | - | - |
| Gross profit | 1766.00M | 1491.00M | 2800.00M | 1349.00M | 1347.00M |
| Reconciled depreciation | 148.00M | 184.00M | 165.00M | 23.00M | 21.00M |
| Ebit | - | -1378.00000M | -50.00000M | 826.00M | 806.00M |
| Ebitda | -198.00000M | -1194.00000M | 115.00M | 849.00M | 827.00M |
| Depreciation and amortization | - | 184.00M | 165.00M | 23.00M | 21.00M |
| Non operating income net other | - | - | - | - | - |
| Operating income | -198.00000M | -1378.00000M | -50.00000M | 826.00M | 806.00M |
| Other operating expenses | 4893.00M | 7762.00M | 6097.00M | 1352.00M | 944.00M |
| Interest expense | 2745.00M | 3801.00M | 2414.00M | 696.00M | 400.00M |
| Tax provision | -21.00000M | -260.00000M | 29.00M | 176.00M | 210.00M |
| Interest income | 4466.00M | 5952.00M | 5491.00M | 2092.00M | 1689.00M |
| Net interest income | 1721.00M | 2152.00M | 3077.00M | 1396.00M | 1289.00M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | -21.00000M | -260.00000M | 29.00M | 176.00M | 210.00M |
| Total revenue | 4695.00M | 6384.00M | 6047.00M | 2178.00M | 1750.00M |
| Total operating expenses | 1964.00M | 2869.00M | 2850.00M | 523.00M | 541.00M |
| Cost of revenue | 2929.00M | 4893.00M | 3247.00M | 829.00M | 403.00M |
| Total other income expense net | -56.00000M | - | - | - | - |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | -177.00000M | -1118.00000M | -79.00000M | 650.00M | 596.00M |
| Net income applicable to common shares | -210.00000M | -1153.00000M | -117.00000M | 609.00M | - |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 87512.00M | 100160.00M | 114057.00M | 90144.00M | 59527.00M |
| Intangible assets | 381.00M | 514.00M | 1736.00M | 1320.00M | - |
| Earning assets | - | - | - | - | - |
| Other current assets | - | 15756.00M | - | - | - |
| Total liab | 79368.00M | 91993.00M | 105690.00M | 81320.00M | 52483.00M |
| Total stockholder equity | 8144.00M | 8167.00M | 8367.00M | 8824.00M | 7044.00M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 30293.00M | 75870.00M | 81526.00M | 58721.00M | 35059.00M |
| Common stock | 4.00M | 4.00M | 2.00M | 7.00M | 5.00M |
| Capital stock | 507.00M | 507.00M | 505.00M | 510.00M | 508.00M |
| Retained earnings | -988.00000M | -763.00000M | 443.00M | 1041.00M | 741.00M |
| Other liab | - | - | - | - | - |
| Good will | - | - | 0.00000M | 2426.00M | 2426.00M |
| Other assets | 70400.00M | -15756.00000M | - | - | - |
| Cash | 553.00M | 15430.00M | 11475.00M | 2032.00M | 2211.00M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 30293.00M | 79620.00M | 88876.00M | 69046.00M | 39627.00M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | 11631.00M | -1004.00000M | 17142.00M | 29625.00M | 18350.00M |
| Short term debt | - | 3750.00M | 7350.00M | 10325.00M | 4550.00M |
| Short long term debt | 7001.00M | 3750.00M | 7350.00M | 10325.00M | 3750.00M |
| Short long term debt total | 12184.00M | 14426.00M | 28617.00M | 31657.00M | 20561.00M |
| Other stockholder equity | 9113.00M | 9063.00M | 8018.00M | 7893.00M | 5880.00M |
| Property plant equipment | 477.00M | 978.00M | 1078.00M | 491.00M | - |
| Total current assets | 16254.00M | 27948.00M | 23809.00M | 12337.00M | 8619.00M |
| Long term investments | 15766.00M | 10416.00M | 9159.00M | 8640.00M | 4628.00M |
| Net tangible assets | - | - | - | - | - |
| Short term investments | 15701.00M | 10402.00M | 9145.00M | 8626.00M | 4612.00M |
| Net receivables | 300.00M | 2116.00M | 3189.00M | 1679.00M | 1796.00M |
| Long term debt | 12184.00M | 10676.00M | 21267.00M | 21332.00M | 15762.00M |
| Inventory | - | - | - | - | - |
| Accounts payable | 39.00M | 51.00M | - | - | 18.00M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -489.00000M | -640.00000M | -599.00000M | -620.00000M | -85.00000M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | - | 5268.00M | 6226.00M | 5512.00M | 4453.00M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 858.00M | 72212.00M | 90248.00M | 77807.00M | 50908.00M |
| Capital lease obligations | - | - | - | - | 249.00M |
| Long term debt total | 12184.00M | 1026.00M | 1017.00M | 1007.00M | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -5082.00000M | 15453.00M | 20673.00M | -6323.00000M | -2762.00000M |
| Change to liabilities | - | - | - | - | - |
| Total cashflows from investing activities | 3040.00M | 15453.00M | 20673.00M | -6323.00000M | -2762.00000M |
| Net borrowings | -2250.00000M | -6851.00000M | -74.00000M | -1931.00000M | 478.00M |
| Total cash from financing activities | -12088.00000M | -11589.00000M | -11409.00000M | 5168.00M | 2735.00M |
| Change to operating activities | - | - | - | - | - |
| Net income | -177.00000M | -1118.00000M | -79.00000M | 650.00M | 596.00M |
| Change in cash | -9582.00000M | 3950.00M | 9527.00M | -129.00000M | 263.00M |
| Begin period cash flow | 15559.00M | 11609.00M | 2082.00M | 2211.00M | 1948.00M |
| End period cash flow | 5977.00M | 15559.00M | 11609.00M | 2082.00M | 2211.00M |
| Total cash from operating activities | -534.00000M | 86.00M | 263.00M | 1026.00M | 290.00M |
| Issuance of capital stock | 0.00000M | 1005.00M | 0.00000M | 0.00000M | - |
| Depreciation | 148.00M | 184.00M | 165.00M | 23.00M | 21.00M |
| Other cashflows from investing activities | 8189.00M | 16457.00M | -4376.00000M | -5369.00000M | -2690.00000M |
| Dividends paid | 48.00M | 88.00M | 519.00M | 350.00M | 349.00M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | - | - | - | - | - |
| Sale purchase of stock | 0.00000M | -11.00000M | -12.00000M | -24.00000M | -16.00000M |
| Other cashflows from financing activities | -9790.00000M | -5643.00000M | -10804.00000M | 7473.00M | 2622.00M |
| Change to netincome | - | - | - | - | - |
| Capital expenditures | 67.00M | 36.00M | 66.00M | 3.00M | 4.00M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | - | - |
| Change in working capital | -437.00000M | 43.00M | -944.00000M | 395.00M | -342.00000M |
| Stock based compensation | 61.00M | 54.00M | 47.00M | 29.00M | 31.00M |
| Other non cash items | 80.00M | 1334.00M | 1261.00M | -68.00000M | -3.00000M |
| Free cash flow | -601.00000M | 50.00M | 197.00M | 1023.00M | 286.00M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| FLG Flagstar Financial, Inc. |
0.34 2.47% | 14.11 | - | 24.69 | 3.19 | 0.81 | 9.14 |
| HDB HDFC Bank Limited ADR |
0.48 2.04% | 24.03 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
0.04 0.15% | 30.44 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
1.22 2.50% | 50.10 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.92 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
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.
102 Duffy Avenue, Hicksville, NY, United States, 11801
| Name | Title | Year Born |
|---|---|---|
| Mr. Joseph M. Otting | President, CEO & Executive Chairman | 1957 |
| Mr. Lee Matthew Smith | Senior Executive VP & CFO | 1975 |
| Mr. Bao Nguyen | Senior Executive VP, General Counsel & Chief of Staff | 1983 |
| Mr. Reginald E. Davis | Senior Executive VP and President of Consumer & Small Business Banking | 1962 |
| Mr. Richard A. Raffetto | Senior EVP & President of Commercial and Private Banking | NA |
| Mr. Christopher P. Higgins | Executive VP and Chief Information & Operations Officer | NA |
| Mr. Bryan L. Marx | Executive VP & Chief Accounting Officer | 1976 |
| Jason Pope | Chief Technology Officer | NA |
| Mr. Salvatore J. DiMartino | Executive VP & Director of Investor Relations | NA |
| Ms. Simone Betz | Executive VP & Chief Human Resources Officer | NA |
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