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Research & education only — not financial advice. EDGAR is not a registered investment adviser; calls are impersonal, generated from SEC filings and a delayed/third-party price feed, and may be wrong or out of date. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates — see Disclosures. Do your own research.

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Home›Stocks›FLG-PU

FLG-PU

FLAGSTAR BANK, NATIONAL ASSOCIATION

Next earnings ≈ Aug 6, 2026 · est. from filing cadence

Last earnings +0.1% on 2026-04-24

Sell
$41.26
▼ -0.22%
$41.26▲ +6.99%
over 1Y
L $37.90EODHDH $42.30
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today-0.2%
1W+0.8%
1M-0.5%
3M+5.8%
YTD+2.5%
1Y+7.0%
OverviewFinancialsValuationQualityTimelineFilings
Rating
Sell
Quality
D
Valuation
Fair value
Filings
Watch
Sell
Conviction
Horizon
Medium (3–12mo)

Revenue grew 17.4% YoY; but unprofitable (net margin -655.6%).

Revenue (FY2022) $27.0M · FY2022

FLAGSTAR BANK, NATIONAL ASSOCIATION shows $27.0M in FY2022 revenue (+17.4% YoY), a -655.6% net margin, and -2.2% ROE.

Supporting the case: revenue grew 17.4% YoY.

Financials · annual, by fiscal year

Line itemFY21FY22FY23FY24FY25
Revenue$23.0M$27.0M———
Gross profit—————
Operating income—————
Net income$596M$650M-$79.0M-$1.12B-$177M
Diluted EPS$1.20$3.77-$0.49-$3.49-$0.50
Net margin2591.3%2407.4%———

Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.

Key statistics

Valuation

Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF—
PEG (trailing)—
Earnings yield-1.0%
FCF yield-1.1%

Quality & risk

ROIC (est.)—
Free cash flow-$191M
Total debt$12.2B
Net cash-$6.21B
Piotroski F-Score3/7

Capital returns

Buyback yield0.0%
Dividend yield (est.)0.1%
Shareholder yield0.1%
Shares Δ YoY+0.3%

Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.

Disclosure timeline

SEC · 8-Ks + reports
Some governance/structural items recently, but no outright red flags.
  1. 8-K Officer / director change2026-06-11
  2. 8-K Officer / director change2026-05-18
  3. 10-Q Quarterly report2026-05-07
  4. DEF 14A Proxy statement2026-04-30
  5. 8-K Earnings results2026-04-24
  6. 8-K Officer / director change2026-03-27
  7. 8-K Reg FD disclosure2026-02-27
  8. 10-K Annual report2026-02-27
  9. 8-K Reg FD disclosure2026-01-30

Recent filings

all on EDGAR ↗
8-KPeriod ending 2026-06-092026-06-11open ↗11-KPeriod ending 2025-12-312026-06-10open ↗DEFA14AFiling2026-05-22open ↗4Period ending 2026-05-182026-05-20open ↗8-KPeriod ending 2026-05-182026-05-18open ↗13F-NTPeriod ending 2026-03-312026-05-14open ↗10-QPeriod ending 2026-03-312026-05-07open ↗ARSPeriod ending 2025-12-312026-04-30open ↗DEFA14AFiling2026-04-30open ↗DEF 14APeriod ending 2026-06-092026-04-30open ↗8-KPeriod ending 2026-04-242026-04-24open ↗4Period ending 2026-04-012026-04-02open ↗

Quality score

D
ValueGrowthProfitHealthMom.
ValueF
GrowthA
ProfitabilityF
Financial healthC
MomentumB
  • ✓Revenue growing year-over-year
  • ✗Profitable (positive net income)
  • ✗Net margin above 10%
  • ✗Return on equity above 15%
37.9052-week42.30
Revenue
$27.0M
+17.4% YoY
Net margin
-655.6%
ROE
-2.2%
P/E
—

SEC fundamentals · FY 2025

'21'22'23'24'25

■ revenue · ■ net income, by fiscal year

Revenue$27.0M+17.4%
Net income-$177M+84.2%
Diluted EPS-$0.50+85.7%
Cash & equivalents$5.98B-61.6%
Total assets$87.5B-12.6%
Total liabilities$79.4B-13.7%
Stockholders' equity$8.14B-0.3%
L/E: 9.75x

Frequently asked

Is FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG-PU) a buy?
FLG-PU currently carries a Sell rating with 2/5 conviction, derived from its latest SEC filings. Revenue grew 17.4% YoY; but unprofitable (net margin -655.6%).
What is FLAGSTAR BANK, NATIONAL ASSOCIATION's quality score?
FLG-PU scores 48.86080860448501/100 (grade D) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.

Sources: SEC EDGAR (CIK 0000910073, latest 10-Q filed 2026-05-07) · EODHD · as of 6/30/2026, 11:28:20 PM.

Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.

Insider activity

Form 4 · SEC
2026-05-18
Otting Joseph M
Exec Chairman and CEO
Award750K
2026-04-01
Miller Eli H
Director
Award7.33K
2026-03-24
Davis Reginald E
SEVP & Pres Consumer Banking
Tax923.00
2026-03-24
Smith Lee Matthew
SEVP & Chief Financial Officer
Tax2.13K
2026-03-15
Marx Bryan
EVP & Princ Accounting Officer
Award24.6K
2026-03-15
Marx Bryan
EVP & Princ Accounting Officer
Tax3.68K
2026-03-15
Buchanan George
EVP and Chief Risk Officer
Award61.5K
2026-03-15
Buchanan George
EVP and Chief Risk Officer
Tax4.37K
2026-03-15
Bao Nguyen
SEVP, GC & Chf of Staff to CEO
Award123K
2026-03-15
Bao Nguyen
SEVP, GC & Chf of Staff to CEO
Tax8.61K
2026-03-15
Gagnon Kris
Sr EVP & Chief Credit Officer
Tax6.05K

Earnings history

beat/miss · move
2026-04-24—▲ 0.00%8-K ↗
2026-01-30—▲ +0.62%8-K ↗
2025-10-24—▲ +2.63%8-K ↗
2025-07-25—▼ -0.79%8-K ↗
2025-04-25—▲ +0.29%8-K ↗
2025-01-30—▲ +1.38%8-K ↗

Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.

Vs tracked universe

compare →

1192 tracked peers · median

EDGAR Score49 vs 67
Revenue growth17.4% vs 7.5%
Net margin-655.6% vs 10.0%
Return on equity-2.2% vs 12.0%
P/E— vs 25.7