Flagstar Bank, National Association (FLG)

NYSE: FLG · Savings Institutions, Not Federally Chartered · Hicksville, NY · filing with the SEC since 1996

Grade2.3

◀ Past 2.2● Present 2.8▶ Future 1.6

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	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
Report filed	Feb 27, 2026	Mar 4, 2025	Mar 14, 2024	Mar 1, 2023	Feb 25, 2022	Feb 26, 2021	Feb 28, 2020	Mar 1, 2019	Mar 2, 2018	Mar 1, 2017
Revenue	·	·	·	27,000	23,000	22,000^r	29,000^r	29,765	31,759	32,665
For lenders
Interest and dividend income	4,466,000	5,953,000	5,491,000	2,092,000	1,689,000	1,708,000^r	1,805,000^r	1,689,673	1,582,239	1,674,869
Interest expense on deposits and borrowings	2,745,000	3,801,000	2,414,000	696,000	·	·	·	·	·	·
Net interest income	1,721,000	2,152,000	3,077,000	1,396,000	1,289,000	1,100,000^r	957,000^r	1,030,995	1,130,003	1,287,382
Provision for credit losses	184,000	1,092,000	833,000	133,000	3,000	62,000^r	7,000^r	18,256	37,242	4,180
Net interest income after provision	1,537,000	1,060,000	2,244,000	1,263,000	1,286,000	1,038,000^r	950,000^r	1,012,739	1,092,761	1,283,202
Noninterest income	341,000	400,000	2,687,000	247,000	61,000	61,000^r	84,000^r	91,558	216,880	145,572
Noninterest expense	2,076,000	2,838,000	4,981,000	684,000	541,000	511,000^r	511,000^r	546,628	641,426	651,646
Selling, general and administrative	·	·	·	158,000	127,000	124,000^r	120,000^r	129,025	178,557^r	187,558^r
General and administrative	307,000	513,000^r	389,000^r	158,000	127,000	·	·	·	·	·
Total operating expenses	·	·	·	604,000	518,000	511,000	511,000^r	546,628	641,218	638,109
Total costs and expenses	1,913,000	2,596,000	2,099,000	604,000	518,000	·	·	·	·	·
Interest expense	·	·	2,414,000	696,000	400,000	608,000^r	848,000^r	658,678	452,236	387,487
Income before income taxes	-198,000	-1,378,000	-50,000	826,000	806,000	588,000^r	523,000^r	557,669	668,215	777,128
Income tax expense	-21,000	-260,000	29,000	176,000	210,000	77,000^r	128,000^r	135,252	202,014	281,727
Net income including non-controlling interests	·	·	·	650,000	596,000	511,000^r	395,000^r	422,417	·	·
Net income	-177,000	-1,118,000	-79,000	650,000	596,000	511,000^r	395,000^r	422,417	466,201	495,401
Preferred dividends	33,000	35,000	33,000	33,000	33,000	33,000^r	33,000^r	32,828	24,621	·
Net income to common shareholders	-210,000	-1,153,000	-112,000	617,000	563,000	478,000^r	362,000^r	389,589	441,580	495,401^r
Earnings per share, basic	-0.50	-3.49	-0.49^r	3.78^r	3.60^b	3.06^b	2.31^b	2.37^b	2.70^b	3.03^b
Earnings per share, diluted	-0.50	-3.49	-0.49^r	3.77^r	3.60^b	3.06^b	2.31^b	2.37^b	2.70^b	3.03^b
Weighted average shares, basic	415,327,556	330,713,517	237,881,183^r	161,201,132^r	154,621,887^b	154,201,780^b	155,126,670^b	162,429,291^b	162,357,984^b	161,716,724^b
Weighted average shares, diluted	415,327,556	330,713,517	237,881,183^r	161,711,449^r	154,877,573^b	154,427,134^b	155,221,111^b	162,429,291^b	162,357,984^b	161,716,724^b

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.Share counts and per-share figures are on the newest report's basis, after the 1-for-3 reverse split of Jul 2024.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Revenue what customers paid for what it soldus-gaap:RevenueFromContractWithCustomerExcludingAssessedTax

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaidus-gaap:ProvisionForLoanLossesExpensed

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Selling, general and administrative the cost of selling and of running the companyus-gaap:SellingGeneralAndAdministrativeExpense

General and administrative the cost of running the company itselfus-gaap:GeneralAndAdministrativeExpense

Total operating expenses the running costs togetherus-gaap:OperatingExpenses

Total costs and expenses every operating cost, the cost of revenue includedus-gaap:OperatingCostsAndExpenses

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before taxus-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income including non-controlling interests the whole group's profit, minority holders' share includedus-gaap:ProfitLoss

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Preferred dividends paid to preferred holders before common shareholdersus-gaap:PreferredStockDividendsIncomeStatementImpact

Net income to common shareholders what is left for common shareholdersus-gaap:NetIncomeLossAvailableToCommonStockholdersBasic

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton FLG · research, not advice