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Flagstar Financial, Inc.

Flagstar Financial, Inc.

FLG · NYSE · Financial Services / Banks - Regional

10.48USD+0.14 (+1.35%)

Price History

Full chart

Market Stats

Previous Close10.34
Open10.50
Day Range10.38 – 10.55
52-Week Range10.30 – 15.43
Volume3.38M
Market Cap4.31B
P/E (TTM)346.00
Forward P/E7.60
EPS0.03
Dividend Yield0.35%
Beta1.05
50-Day Avg12.46
200-Day Avg13.51

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Joseph M. Otting
  • Employees5.63K
  • Headquarters102 Duffy Avenue, Hicksville, NY, United States, 11801, USA
  • Websitehttps://www.flagstar.com

Leadership

  • Mr. Joseph M. OttingCEO & Executive Chairman · b. 1957
  • Mr. Lee Matthew SmithCFO, Co-President & Co-COO · b. 1975
  • Mr. Bao NguyenSenior EVP, Chief Legal Officer, COO for Consumer & Retail Banking and Chief of Staff · b. 1982
  • Mr. George F. Buchanan IIIExecutive VP & Chief Risk Officer · b. 1969
  • Mr. Kris A. GagnonSenior EVP & Chief Credit Officer · b. 1952
  • Mr. Richard A. RaffettoChief Banking Officer, Co-President & Co-COO · b. 1969
  • Mr. Christopher P. HigginsExecutive VP and Chief Information & Operations Officer
  • Mr. Bryan L. MarxExecutive VP & Chief Accounting Officer · b. 1976
  • Jason PopeChief Technology Officer
  • Mr. Salvatore J. DiMartinoExecutive VP & Director of Investor Relations

Financials

Income Statement

Currency: USD1993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue77.00M85.10M94.50M104.70M120.00M136.90M145.60M196.48M513.92M701.33M913.15M1.12B1.27B1.50B1.61B1.60B1.64B2.23B2.07B2.08B1.92B1.90B1.90B1.83B1.82B1.78B1.89B1.77B1.75B2.18B6.05B6.38B4.70B
Growth (%)-+10.52%+11.05%+10.79%+14.61%+14.08%+6.36%+34.94%+161.57%+36.47%+30.20%+22.88%+12.93%+18.34%+7.69%-0.69%+2.43%+36.04%-7.16%+0.09%-7.69%-0.90%-0.06%-3.78%-0.47%-2.03%+6.05%-6.35%-1.07%+24.46%+177.64%+5.57%-26.46%
Cost of Revenue33.40M29.70M39.80M42.80M55.30M65.80M71.80M101.75M217.49M226.25M244.19M390.90M583.65M847.13M950.22M937.33M792.29M836.73M766.66M694.07M572.24M524.13M1.27B391.67M489.48M676.93M855.00M670.00M403.00M829.00M3.25B4.89B2.93B
Gross Profit43.60M55.40M54.70M61.90M64.70M71.10M73.80M94.73M296.43M475.08M668.96M731.19M683.48M652.41M664.59M666.36M850.30M1.40B1.31B1.38B1.34B1.38B629.88M1.43B1.33B1.10B1.03B1.10B1.35B1.35B2.80B1.49B1.77B
Gross Margin56.62%65.10%57.88%59.12%53.92%51.94%50.69%48.21%57.68%67.74%73.26%65.16%53.94%43.51%41.16%41.55%51.77%62.55%63.04%66.57%70.14%72.41%33.18%78.56%73.08%62.00%54.74%62.13%76.97%61.94%46.30%23.36%37.61%
Operating Expense21.50M23.00M22.80M23.20M27.00M26.00M21.30M49.82M121.19M139.06M176.28M199.22M238.77M303.70M262.49M612.57M257.15M560.31M573.29M601.40M597.36M602.34M761.89M657.80M660.39M546.63M511.00M511.00M541.00M523.00M2.85B2.87B1.96B
Operating Income22.10M32.40M31.90M38.70M37.70M45.10M52.50M44.90M175.25M336.01M492.68M531.97M444.71M348.71M402.10M53.79M593.15M837.47M734.58M780.91M747.13M773.07M-132.01M777.13M668.22M557.67M523.00M588.00M806.00M826.00M-50.00M-1.38B-198.00M
Operating Margin28.70%38.07%33.76%36.96%31.42%32.94%36.06%22.85%34.10%47.91%53.95%47.41%35.10%23.25%24.90%3.35%36.11%37.48%35.41%37.61%38.98%40.70%-6.95%42.55%36.75%31.31%27.69%33.24%46.06%37.92%-0.83%-21.59%-4.22%
EBITDA24.10M33.50M32.80M40.20M39.00M46.40M54.80M51.66M188.30M359.65M524.31M556.70M469.82M382.05M443.85M96.87M635.94M888.85M784.18M826.02M791.00M809.15M-95.17M812.33M701.23M589.99M550.00M612.00M827.00M849.00M115.00M-1.19B-50.00M
EBITDA Margin31.30%39.37%34.71%38.40%32.50%33.89%37.64%26.30%36.64%51.28%57.42%49.61%37.08%25.48%27.49%6.04%38.72%39.78%37.80%39.78%41.27%42.60%-5.01%44.47%38.57%33.12%29.12%34.60%47.26%38.98%1.90%-18.70%-1.06%
Net Income12.10M18.80M20.20M20.90M23.30M26.90M31.70M24.48M104.47M229.23M323.37M355.09M292.08M232.59M279.08M77.88M398.65M541.02M480.04M501.11M475.55M485.40M-47.16M495.40M466.20M422.42M395.00M511.00M596.00M650.00M-79.00M-1.12B-177.00M
Net Income Margin15.71%22.09%21.38%19.96%19.42%19.65%21.77%12.46%20.33%32.69%35.41%31.65%23.05%15.51%17.28%4.86%24.27%24.21%23.14%24.13%24.81%25.55%-2.48%27.12%25.64%23.71%20.91%28.89%34.06%29.84%-1.31%-17.51%-3.77%
Interest Expense28.70M28.50M39.60M44.80M55.30M65.80M74.20M101.75M217.49M226.25M244.19M390.90M583.65M847.13M950.22M929.63M729.29M733.83M666.24M631.08M541.48M542.71M1.28B387.49M452.24M658.68M848.00M608.00M400.00M696.00M2.41B3.80B2.75B
Interest Expense % of Total Revenue37.27%33.49%41.90%42.79%46.08%48.06%50.96%51.79%42.32%32.26%26.74%34.84%46.06%56.49%58.84%57.97%44.40%32.84%32.12%30.39%28.25%28.57%67.61%21.21%24.87%36.98%44.89%34.37%22.86%31.96%39.92%59.54%58.47%

Balance Sheet

Currency: USD1993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets1.09B1.17B1.24B1.36B1.60B1.75B1.91B4.71B9.20B11.31B23.44B24.04B26.28B28.48B30.58B32.47B42.15B41.19B42.02B44.15B46.69B48.56B50.32B48.93B49.12B51.90B53.64B56.31B59.53B90.14B114.06B100.16B87.51B
Total Liabilities896.90M965.50M1.02B1.15B1.43B1.60B1.77B4.40B8.22B9.99B20.57B20.85B22.96B24.79B26.40B28.25B36.79B35.66B36.46B38.49B40.95B42.78B44.38B42.80B42.33B45.24B46.93B49.46B52.48B81.32B105.69B91.99B79.37B
Total Equity192.80M205.30M217.60M211.40M170.50M149.40M137.10M307.41M983.13M1.32B2.87B3.19B3.32B3.69B4.18B4.22B5.37B5.53B5.57B5.66B5.74B5.78B5.93B6.12B6.80B6.66B6.71B6.84B7.04B8.82B8.37B8.17B8.14B
Cash55.00M12.00M39.00M21.00M22.80M46.60M31.20M257.71M178.62M97.64M285.90M187.68M231.80M230.76M335.74M203.22M2.67B1.93B2.00B2.43B644.55M564.15M537.67M557.85M2.53B1.47B741.87M1.95B2.21B2.03B11.47B15.43B553.00M
Total Debt10.80M83.30M46.10M81.40M309.70M439.10M636.40M1.08B2.59B4.60B10.01B10.16B10.57B11.90B12.92B13.50B14.82B14.14B14.05B13.43B15.10B14.23B15.75B13.67B12.91B14.21B14.84B16.35B20.56B31.66B28.62B14.43B12.18B
Net Debt-44.20M71.30M7.10M60.40M286.90M392.50M605.20M821.03M2.42B4.51B9.72B9.97B10.34B11.67B12.58B13.29B12.15B12.22B12.05B11.00B14.46B13.66B15.21B13.12B10.39B12.73B14.10B14.40B18.35B29.63B17.14B-1.00B11.63B

Cash Flow

Currency: USD1993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow61.90M-6.40M30.00M29.90M34.90M41.90M13.00M-103.12M-425.86M88.38M-1.35B358.33M451.96M290.68M296.22M244.75M215.43M-69.68M830.21M576.02M1.38B722.42M-420.43M755.65M1.33B540.36M510.00M334.00M290.00M1.03B263.00M86.00M-534.00M
Investing Cash Flow-118.60M-121.50M-43.50M-141.90M-236.40M-121.50M-136.90M-2.20B-3.86B-2.11B-10.17B-665.75M-1.75B30.73M2.02B-2.12B3.75B1.30B-1.21B-1.73B-5.17B-2.15B-1.40B1.22B1.06B-4.02B-2.06B-1.02B-2.76B-6.32B20.67B15.45B3.04B
Financing Cash Flow92.40M84.90M40.60M94.10M203.20M103.40M114.50M2.52B4.21B1.94B11.71B209.21M1.34B-322.45M-2.21B1.74B-1.50B-1.97B454.96M1.58B2.01B1.34B1.79B-1.95B-418.13M2.43B816.00M1.90B2.73B5.17B-11.41B-11.59B-12.09B
Capital Expenditure800.00K100.00K400.00K1.30M700.00K500.00K600.00K30.59M33.83M12.28M85.90M42.06M2.38M12.08M8.80M22.59M7.38M48.64M40.75M38.76M37.24M73.50M34.80M84.18M27.78M9.85M004.00M3.00M66.00M36.00M67.00M
Free Cash Flow61.10M-6.50M29.60M28.60M34.20M41.40M12.40M-133.71M-459.69M76.10M-1.44B316.27M449.59M278.60M287.42M222.16M208.04M-118.32M789.46M537.25M1.34B648.92M-455.23M671.47M1.30B530.51M510.00M334.00M286.00M1.02B197.00M50.00M-601.00M
Dividends Paid-600.00K1.90M7.00M11.90M27.80M46.50M28.51M83.47M121.64M163.89M250.73M261.06M286.77M310.20M333.51M347.55M434.37M436.91M438.54M440.31M442.20M453.98M330.81M356.77M365.89M350.00M349.00M349.00M350.00M519.00M88.00M48.00M
FCF to OCF98.71%101.56%98.67%95.65%97.99%98.81%95.38%129.67%107.94%86.11%106.35%88.26%99.47%95.85%97.03%90.77%96.57%169.81%95.09%93.27%97.29%89.83%108.28%88.86%97.91%98.18%100.00%100.00%98.62%99.71%74.90%58.14%112.55%
Dividend Paid to FCF--9.23%6.42%24.48%34.80%67.15%375.00%-21.32%-18.16%159.85%-11.40%79.28%58.07%102.93%107.93%150.12%167.06%-367.11%55.34%81.63%32.89%68.14%-99.73%49.27%27.47%68.97%68.63%104.49%122.03%34.21%263.45%176.00%-7.99%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Dec 31, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Dec 31, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Jun 30, 2001Oct 17, 2001Jan 22, 2002Apr 17, 2002Jul 17, 2002Oct 16, 2002Jan 22, 2003Apr 16, 2003Jul 16, 2003Oct 22, 2003Jan 26, 2004Apr 21, 2004Jul 21, 2004Oct 20, 2004Jan 25, 2005Apr 20, 2005Jul 20, 2005Oct 19, 2005Jan 25, 2006Apr 26, 2006Jul 26, 2006Oct 25, 2006Jan 24, 2007Apr 25, 2007Jul 25, 2007Oct 19, 2007Jan 29, 2008Apr 23, 2008Jul 23, 2008Oct 29, 2008Jan 27, 2009Apr 29, 2009Jul 29, 2009Oct 28, 2009Jan 27, 2010Apr 21, 2010Jul 28, 2010Oct 27, 2010Jan 26, 2011Apr 19, 2011Jul 21, 2011Oct 19, 2011Jan 25, 2012Apr 18, 2012Jul 25, 2012Oct 24, 2012Jan 30, 2013Apr 24, 2013Jul 24, 2013Oct 23, 2013Jan 29, 2014Apr 30, 2014Jul 23, 2014Oct 22, 2014Jan 29, 2015Apr 29, 2015Jul 22, 2015Oct 21, 2015Jan 27, 2016Apr 20, 2016Jul 27, 2016Oct 26, 2016Jan 25, 2017Apr 26, 2017Jul 26, 2017Oct 25, 2017Jan 31, 2018Apr 25, 2018Jul 25, 2018Oct 24, 2018Jan 30, 2019Apr 30, 2019Jul 31, 2019Oct 30, 2019Jan 29, 2020Apr 29, 2020Jul 29, 2020Oct 28, 2020Jan 27, 2021Apr 26, 2021Jul 28, 2021Oct 27, 2021Jan 26, 2022Apr 27, 2022Jul 27, 2022Oct 26, 2022Jan 31, 2023Apr 28, 2023Jul 27, 2023Oct 26, 2023Jan 31, 2024May 1, 2024Jul 25, 2024Oct 25, 2024Jan 30, 2025Apr 25, 2025Jul 25, 2025Oct 24, 2025Jan 30, 2026Apr 24, 2026Jul 24, 2026Oct 23, 2026
EPS Estimate----------------0.460.510.880.921.041.161.161.251.611.181.191.021.000.980.930.830.800.760.700.640.660.670.690.700.660.740.730.790.790.730.790.840.880.910.930.950.920.840.820.830.780.790.860.890.790.760.770.790.770.780.790.800.770.780.780.810.830.830.810.770.690.590.510.510.610.620.610.570.570.560.580.580.540.570.690.770.820.890.950.930.940.970.950.780.640.941.040.87-0.39-0.43-0.42-0.55-0.28-0.14-0.070.020.040.060.06
EPS Actual0.230.240.260.280.320.290.350.290.310.330.330.050.750.510.300.721.320.930.981.051.111.191.191.401.441.531.141.020.990.990.900.810.810.720.630.630.660.690.690.630.660.690.750.810.780.690.780.780.870.900.930.960.810.780.810.810.810.900.960.900.750.840.780.800.780.810.810.900.810.840.780.930.810.790.780.730.630.660.320.530.600.600.600.570.620.570.550.600.580.630.690.810.870.990.930.930.961.050.930.750.691.411.08-0.81-0.75-1.05-0.69-0.34-0.23-0.19-0.070.060.040.050.01
Surprise----------------186.96%82.35%11.36%14.13%6.73%2.59%2.59%12.00%-10.56%29.66%-4.20%0.00%-1.00%1.02%-3.23%-2.41%1.25%-5.26%-10.00%-1.56%0.00%2.99%0.00%-10.00%0.00%-6.76%2.74%2.53%-1.27%-5.48%-1.27%-7.14%-1.14%-1.10%0.00%1.05%-11.96%-7.14%-1.22%-2.41%3.85%13.92%11.63%1.12%-5.06%10.53%1.30%1.27%1.30%3.85%2.53%12.50%5.19%7.69%0.00%14.81%-2.41%-4.82%-3.70%-5.19%-8.70%11.86%-37.25%3.92%-1.64%-3.23%-1.64%0.00%8.77%1.79%-5.17%3.45%7.41%10.53%0.00%5.19%6.10%11.24%-2.11%0.00%2.13%8.25%-2.11%-3.85%7.81%50.00%3.85%-193.10%-92.31%-144.19%-64.29%38.18%17.86%-35.71%0.00%200.00%0.00%-16.67%-83.33%
Timing----------------Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap4.31B
Enterprise Value11.50B
Trailing P/E346.00
Forward P/E7.60
PEG Ratio0.47
Price / Sales2.12
Price / Book0.68
EPS0.03
Book Value18.37
Revenue (TTM)2.03B
Gross Profit (TTM)2.03B
Profit Margin2.36%
Operating Margin20.28%
Return on Equity0.59%
Return on Assets0.05%
Shares Outstanding415.09M
Shares Float299.71M
Beta1.05
Dividend Yield0.35%
Dividend Rate0.04
Payout Ratio44.44%

Analyst Ratings

Buy
Based on 18 analystsTarget 15.00
  • Strong Buy
    8
  • Buy
    4
  • Hold
    6

Ownership Breakdown

Institutions
89.43%
Insiders
0.95%
Retail / Other
9.62%

Top Institutional Holders

  • BlackRock Inc
    43.03M10.37%
  • REVERENCE CAPITAL PARTNERS, L.P.
    35.98M8.67%
  • State Street Corp
    16.93M4.08%
  • Vanguard Portfolio Management, LLC
    13.56M3.27%
  • T. Rowe Price Investment Management,Inc.
    13.17M3.17%
  • Vanguard Capital Management, LLC
    12.56M3.03%
  • Hudson Bay Capital Management LP
    9.73M2.35%
  • The Goldman Sachs Group Inc
    8.65M2.08%
  • AllianceBernstein L.P.
    8.56M2.06%
  • Geode Capital Management, LLC
    8.24M1.99%
  • Dimensional Fund Advisors, Inc.
    7.02M1.69%
  • Two Sigma Investments LLC
    5.20M1.25%
  • Charles Schwab Investment Management Inc
    4.75M1.14%
  • Kahn Brothers & CO Inc /DE/
    4.07M0.98%

Top Fund Holders

  • iShares Core S&P Mid-Cap ETF
    10.80M2.60%
  • Vanguard MStar Total Stk Mkt Idx Invest
    8.63M2.08%
  • iShares Russell 2000 ETF
    8.30M2.00%
  • Vanguard Small Cap Index
    6.54M1.58%
  • T. Rowe Price Small-Cap Value
    4.31M1.04%
  • Vanguard MStar Small Cap Value Index
    4.26M1.03%

Dividends

20263×
0.01Sep 4, 20260.01Jun 5, 20260.01Mar 6, 2026
20254×
0.01Dec 5, 20250.01Sep 5, 20250.01Jun 6, 20250.01Mar 7, 2025
20244×
0.01Dec 6, 20240.01Sep 6, 20240.03Jun 7, 20240.15Feb 13, 2024
20234×
0.51Nov 3, 20230.51Aug 4, 20230.51May 5, 20230.51Feb 3, 2023
20224×
0.51Nov 4, 20220.51Aug 5, 20220.51May 6, 20220.51Feb 4, 2022
20214×
0.51Nov 4, 20210.51Aug 5, 20210.51May 6, 20210.51Feb 4, 2021
20201×
0.51Nov 5, 2020

Stock Splits

  • Jul 12, 20241:3
  • Feb 18, 20044:3
  • May 22, 20034:3
  • Sep 21, 20013:2
  • Mar 30, 20013:2
  • Sep 30, 19983:2
  • Oct 2, 19973:2
  • Apr 11, 19973:2
  • Aug 23, 19964:3
  • Oct 3, 19943:2