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FLAGSTAR BANK, NATIONAL ASSOCIATION

FLG Clue Score51
United States Fiscal year ends December CIK 0000910073
$11.32 -0.26% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $11.32 −17.31% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue0.03Net income0.50EPS, diluted1.01Fiscal year 2017Revenue0.03 −2.8%Net income0.47 −5.9%EPS, diluted0.90Fiscal year 2018Revenue0.03 −6.3%Net income0.42 −9.4%EPS, diluted0.79Fiscal year 2019Revenue0.03 −2.6%Net income0.40 −6.5%EPS, diluted0.77Fiscal year 2020Revenue0.02 −24.1%Net income0.51 +29.4%EPS, diluted1.02Fiscal year 2021Revenue0.02 +4.5%Net income0.60 +16.6%EPS, diluted1.20Fiscal year 2022Revenue0.03 +17.4%Net income0.65 +9.1%EPS, diluted3.77Fiscal year 2023Net income−0.08 −112.2%EPS, diluted−0.49Fiscal year 2024Net income−1.12EPS, diluted−3.49Fiscal year 2025Net income−0.18EPS, diluted−0.50
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 0.03 0.03 0.03 0.03 0.02 0.02 0.03 n/a n/a n/a
Growth −2.8% −6.3% −2.6% −24.1% +4.5% +17.4%
Net income 0.50 0.47 0.42 0.40 0.51 0.60 0.65 −0.08 −1.12 −0.18
Growth −5.9% −9.4% −6.5% +29.4% +16.6% +9.1% −112.2%
EPS, diluted 1.01 0.90 0.79 0.77 1.02 1.20 3.77 −0.49 −3.49 −0.50

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin1,516.6%Free cash flow margin2,055.6%Fiscal year 2017Net margin1,467.9%Free cash flow margin4,089.9%Fiscal year 2018Net margin1,419.2%Free cash flow margin1,782.3%Fiscal year 2019Net margin1,362.1%Fiscal year 2020Net margin2,322.7%Fiscal year 2021Net margin2,591.3%Fiscal year 2022Net margin2,407.4%Fiscal year 2023Fiscal year 2024Fiscal year 2025
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 1,516.6% 1,467.9% 1,419.2% 1,362.1% 2,322.7% 2,591.3% 2,407.4% n/a n/a n/a
Free cash flow margin 2,055.6% 4,089.9% 1,782.3% n/a n/a n/a n/a n/a n/a n/a

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow0.76Capital expenditure−0.08Free cash flow0.67Buybacks−0.01Dividends paid−0.33Fiscal year 2017Operating cash flow1.33Capital expenditure−0.03Free cash flow1.30 +93.4%Buybacks−0.02Dividends paid−0.33Fiscal year 2018Operating cash flow0.54Capital expenditure−0.01Free cash flow0.53 −59.2%Buybacks−0.16Dividends paid−0.33Fiscal year 2019Operating cash flow0.51Buybacks−0.07Dividends paid−0.32Fiscal year 2020Operating cash flow0.33Buybacks−0.05Dividends paid−0.32Fiscal year 2021Operating cash flow0.29Buybacks0.00Dividends paid−0.32Fiscal year 2022Operating cash flow1.03Buybacks−0.01Dividends paid−0.32Fiscal year 2023Operating cash flow0.26Buybacks0.00Dividends paid−0.49Fiscal year 2024Operating cash flow0.09Buybacks0.00Dividends paid−0.05Fiscal year 2025Operating cash flow−0.18Dividends paid−0.02
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.76 1.33 0.54 0.51 0.33 0.29 1.03 0.26 0.09 −0.18
Capital expenditure −0.08 −0.03 −0.01 n/a n/a n/a n/a n/a n/a n/a
Free cash flow 0.67 1.30 0.53 n/a n/a n/a n/a n/a n/a n/a
Growth +93.4% −59.2%
Buybacks −0.01 −0.02 −0.16 −0.07 −0.05 0.00 −0.01 0.00 0.00 n/a
Dividends paid −0.33 −0.33 −0.33 −0.32 −0.32 −0.32 −0.32 −0.49 −0.05 −0.02

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash0.56Shareholders’ equity6.12Fiscal year 2017Cash2.53Shareholders’ equity6.80Fiscal year 2018Cash1.48Shareholders’ equity6.66Fiscal year 2019Cash0.74Shareholders’ equity6.71Fiscal year 2020Cash1.95Shareholders’ equity6.84Fiscal year 2021Cash2.21Shareholders’ equity7.04Fiscal year 2022Cash2.03Total debt21.33Net cash (debt)−19.30Shareholders’ equity8.82Debt to equity2.42Fiscal year 2023Cash11.48Total debt21.27Net cash (debt)−9.79Shareholders’ equity8.37Debt to equity2.54Fiscal year 2024Cash15.43Total debt11.68Net cash (debt)3.75Shareholders’ equity8.17Debt to equity1.43Fiscal year 2025Cash5.98Total debt8.18Net cash (debt)−2.21Shareholders’ equity8.14Debt to equity1.01
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.56 2.53 1.48 0.74 1.95 2.21 2.03 11.48 15.43 5.98
Total debt n/a n/a n/a n/a n/a n/a 21.33 21.27 11.68 8.18
Net cash (debt) n/a n/a n/a n/a n/a n/a −19.30 −9.79 3.75 −2.21
Shareholders’ equity 6.12 6.80 6.66 6.71 6.84 7.04 8.82 8.37 8.17 8.14
Debt to equity n/a n/a n/a n/a n/a n/a 2.42 2.54 1.43 1.01

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In billions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022† 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
0.03 0.03 0.03 0.03 0.02 0.02 0.03 n/a n/a n/a
Growth −2.8% −6.3% −2.6% −24.1% +4.5% +17.4%
0.19 0.18 0.13 0.12 0.12 0.13 0.16 0.39 0.51 0.31
0.78 0.67 0.56 0.52 0.59 0.81 0.83 −0.05 −1.38 −0.20
0.28 0.20 0.14 0.13 0.08 0.21 0.18 0.03 −0.26 −0.02
0.50 0.47 0.42 0.40 0.51 0.60 0.65 −0.08 −1.12 −0.18
Growth −5.9% −9.4% −6.5% +29.4% +16.6% +9.1% −112.2%
Per share
1.01 0.90 0.79 0.77 1.02 1.20 3.78 −0.49 −3.49 −0.50
1.01 0.90 0.79 0.77 1.02 1.20 3.77 −0.49 −3.49 −0.50
Growth −10.9% −12.2% −2.5% +32.5% +17.6% +214.2% −113.0%
485.2 487.1 487.3 465.4 462.6 463.9 161.2 237.9 330.7 415.3
485.2 487.1 487.3 465.7 463.3 464.6 161.7 237.9 330.7 415.3
Growth +0.4% +0.0% −4.4% −0.5% +0.3% −65.2% +47.1% +39.0% +25.6%

† The diluted share count jumps at 2022, so per-share figures either side of that column are not comparable. Usually a split, but the break lands on the restatement boundary rather than on the split date, because every column is that period’s latest filing.

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue shrank 3.2% a year over five years.
  • A net loss in 3 of 10 years on file.