MARKETS / NYSE / FLG

NYSE · SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED · LARGE CAP

Flagstar Bank, National Association FLG

19 fiscal years on record · USD · FY2025 reported · SEC filings only

Net income

$-177.0M

In brief

What this company does

The Bank currently operates approximately 340 locations across nine states, including strong footholds in the greater New York/New Jersey metropolitan region and in the upper Midwest, along with a significant presence in fast-growing markets in Florida and the West Coast. We operate in a single reportable segment and have identified one reporting unit which is the same as our operating segment. At December 31, 2025, our workforce included 5,631 employees. None of our employees are represented by a collective bargaining agreement and we believe our employee relations to be in good standing.

Written from the business description in Flagstar Bank, National Association's annual report to the U.S. Securities and Exchange Commission, filed 27 February 2026. Every sentence was checked against that document before publication.

Growth

—

Revenue, FY2025 · full 19-year series below

Revenue $B Net income $B

FY2022 · Revenue 0.0 · Net income 0.7

Compound annual growth

Revenue

−2.4%

−3.2%

−32.9%

Returned to shareholders

−64.1%

−47.2%

−28.9%

−20.1%

3 yrs

5 yrs

10 yrs

15 yrs

Revenue compounded at −3.2% a year over five years.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

—

Operating margin Net margin

FY2022 · Operating 3059.3% · Net 2407.4%

ROE

FY2025 · ROE -2.2%

Gross margin—

Operating margin—

Net margin—

Return on assets-0.2%

EBITDAUSD -50.0M

Each USD of equity lost 2 cents this year.

Cash & shareholders

USD 15.0M

returned in FY2025 · dividends + net buybacks

Free cash flow $B

FY2018 · FCF 0.5

Net buybacks $B Dividends $B

FY2025 · Dividends 0.0 · Net buybacks —

Dividends paidUSD 15.0M

Net buybacks—

Share of profit-8.5%

Consecutive raises—

USD 15.0M in dividends went back to shareholders in a year without profit.

Total assetsUSD 87.5B

EquityUSD 8.1B

CashUSD 6.0B

Gross debtUSD 12.2B

Net debtUSD 6.2B

DepositsUSD 66.0B

Net debt stands at 76% of equity.

The 19-year record

19 fiscal years

Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative

Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007
Revenue $B	·	·	·	0.0	0.0	0.0	0.0	0.0	0.0	0.0	·	·	·	1.5	1.4	1.5	·	·	·
Operating income $B	−0.2	−1.4	−0.1	0.8	0.8	0.6	0.5	0.6	0.7	0.8	−0.1	0.8	0.7	·	·	·	·	·	·
EBITDA $B	−0.1	−1.2	0.1	0.8	0.8	0.6	0.6	0.6	0.7	0.8	−0.1	0.8	0.8	·	·	·	·	·	·
Income tax $B	−0.0	−0.3	0.0	0.2	0.2	0.1	0.1	0.1	0.2	0.3	−0.1	0.3	0.3	0.3	0.3	0.3	0.2	−0.0	0.1
Net income $B	−0.2	−1.1	−0.1	0.7	0.6	0.5	0.4	0.4	0.5	0.5	−0.0	0.5	0.5	0.5	0.5	0.5	0.4	0.1	0.3
Free cash flow $B	·	·	·	·	·	·	·	0.5	1.3	0.7	−0.5	0.6	1.3	0.5	0.8	−0.1	0.2	0.2	0.3
EPS, diluted $	−0.50	−3.49	−0.49	3.77	1.20	1.02	0.77	0.79	0.90	1.01	−0.11	1.09	1.08	1.13	1.09	1.24	1.13	0.23	0.90
Dividend / sh $	0.04	0.20	2.04	2.04	0.68	·	·	·	·	·	·	·	·	·	·	·	·	·	·
Payout %	−8	−5	−615	49	53	62	80	79	71	67	−963	91	93	88	91	80	87	428	111
ROE %	−2.2	−13.5	−0.9	8.2	8.6	7.5	5.9	6.3	7.2	8.2	−0.8	8.4	8.3	8.9	8.7	9.9	8.3	1.9	6.7
Shares out B	0.42	0.00	0.24	0.68	0.47	0.46	0.47	0.47	0.49	0.49	0.48	0.44	0.44	0.44	0.44	0.44	0.43	0.34	·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance

Company facts, as filed

How we verify · 0 failures in 55 reconciliationsAUDITED

Reconciled in 19 of 19 fiscal years. 2 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures

ActivitySavings Institutions, Not Federally Chartered

Listed onNYSE

Incorporated innot stated in the filings

Fiscal year endsDecember 31

Data on record since2007