Flagstar Bank, National Association (FLG)

From the record

Flagstar Bank, National Association's filings since 2017 show 4 warning events of 2 kinds: a notice about its exchange listing (8-K item 3.01, the latest 2025-10-20); a late-report notice (Form NT 10-K or NT 10-Q, 3 times, the latest 2025-03-04) (its current reports).

From the record

Flagstar Bank, National Association's 10 filed years say what it did: revenue went from $1.7 billion in fiscal 2016 to $4.5 billion in fiscal 2025, up 11.5% a year; it rose in 5 of 9 years; the deepest fall was 25% from fiscal 2024 to fiscal 2025; net income was positive in 7 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Flagstar Bank, National Association's diluted share count grew about 36.9% a year, and dividends and buybacks returned about 100% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 3 purchases of their own stock on the open market in the year to 2026-11-12, buying about $599 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Flagstar Bank, National Association lost about 2 cents for every dollar of shareholders' money. Leverage: it owed about 91 cents per dollar of assets, and net share issuance: its share count grew 25.6% over the year (the filed statements).

From the record

Flagstar Bank, National Association's standing among 22 graded names in its industry family: revenue of $4.5 billion in fiscal 2025 ranks in the top 2% by size; a net margin of -4% ranks in the bottom 2%; revenue growth of 28.8% a year over the last 3 filed years ranks in the top 25% (its annual reports).

From the record

Flagstar Bank, National Association's leadership, from its insiders' filings and its current reports: the chief executive on the record is Otting, Joseph M (Exec Chairman and CEO, as filed), filing under that title since 2025-03-18, 1.7 years (bottom 35% of its family); most of the 16 officers and directors filing now have filed since the record of its people begins (2024-02-20), a floor of 2.7 years the record cannot see past, so that part is not read; 19 officer or director changes were reported on Form 8-K since 2023-11-13, against the 16 people in charge now (bottom 7%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Flagstar Bank, National Association's room to grow, from the newest filed statements (fiscal 2025): cash of $6.0 billion against debt of $8.2 billion leaves -2.5% of its assets as net cash, bottom 8% of its family; cash from operations less capital spending is -4.1% of revenue (bottom 7%) (its annual report).

From the record

Flagstar Bank, National Association's growth drivers, from the filed years to fiscal 2025: revenue grew 28.8% a year over the last three filed years against 11.5% over all 10, speeding up (top 8% of its family); the newest year grew -25% (bottom 3%); capital spending grew -34.3% a year (bottom 3%) (its annual reports). Flagstar Bank, National Association tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Flagstar Bank, National Association's newest year against its own record: revenue of $4.5 billion in fiscal 2025 came in 55.5% below the $10 billion its prior three years' pace pointed to (bottom 3% of its family); net income of $177 million against a prior three-year average of $182 million (bottom 15%); a net margin of -4% against 3.6% before (bottom 9%) (its annual reports).