Pulling SEC filings + quote and writing the call…
FLG
FLAGSTAR BANK, NATIONAL ASSOCIATION
Next earnings Jul 23, 2026 · consensus $0.07 EPS, $501M rev
Last earnings -2.2% on 2026-04-24
$14.65
▲ +0.34%$14.65▲ +32.15%
over 1Y
L $10.57EODHDH $15.07
Earnings Dividend SplitFilings colored by tone · hover for detail
Today+0.3%
1W+0.8%
1M+10.5%
3M+17.2%
YTD+16.9%
1Y+32.1%
Hold
Conviction
Horizon
Long (>12mo)
Street · 22 analysts
Buy
Turnaround bank still bleeding losses while rebuilding capital — narrowing losses are promising, but it's not yet investable with confidence.
Flagstar (the former NYCB) is a regional bank in the middle of a multi-year turnaround after the 2024 commercial-real-estate crisis. The trajectory is improving but the business is still loss-making: FY2025 net income was -$177M (EPS -$0.50), a sharp narrowing from the -$1.12B loss in FY2024, with operating cash flow also negative at -$181M. Management states it 'continued to take decisive actions to build capital, reinforce our balance sheet, strengthen risk management,' and the bank shrank total assets 12.6% to $87.5B as it de-risks, holding an allowance for credit losses of ~$1.1B.
Sources: SEC EDGAR (CIK 0000910073, latest 10-Q filed 2026-05-07) · EODHD · analysis by claude-code · as of 6/21/2026, 8:55:04 PM.
Research and education only — not financial advice. Calls are generated from SEC filings and a delayed/third-party price feed, may be wrong or out of date, and are not a recommendation to buy or sell any security. Do your own research.