Stock Fundamentals

Company Information

Company Name
Flagstar Financial, Inc.
Sector
Financial Services
Industry
Banks - Regional
Exchange
NYSE
ISIN: US6494454001
CIK: 0000910073
Currency: USD
Full Time Employees: 5,631
Phone: 516 683 4100
Fiscal Year End: December
IPO Date: Nov 23, 1993
Description:

Flagstar Bank, National Association provides banking products and services in the United States. The company's deposit products include interest-bearing checking and money market, savings, and non-interest-bearing accounts, as well as certificates of deposit. It offers loan products comprising multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial and industrial loans; one-to-four family loans; specialty finance loans and leases; warehouse loans; and home equity lines of credit, as well as other consumer loans, including overdraft loans. The company offers non-deposit investment and insurance products; and online and mobile banking services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as Flagstar Financial, Inc. Flagstar Bank, National Association was founded in 1859 and is headquartered in Hicksville, New York.

Address:

102 Duffy Avenue, Hicksville, NY, United States, 11801

Directors & Officers

Name Title Year Born
Mr. Joseph M. Otting CEO & Executive Chairman 1957
Mr. Lee Matthew Smith CFO, Co-President & Co-COO 1975
Mr. Bao Nguyen Senior EVP, Chief Legal Officer, COO for Consumer & Retail Banking and Chief of Staff 1982
Mr. George F. Buchanan III Executive VP & Chief Risk Officer 1969
Mr. Kris A. Gagnon Senior EVP & Chief Credit Officer 1952
Mr. Richard A. Raffetto Chief Banking Officer, Co-President & Co-COO 1969
Mr. Christopher P. Higgins Executive VP and Chief Information & Operations Officer NA
Mr. Bryan L. Marx Executive VP & Chief Accounting Officer 1976
Jason Pope Chief Technology Officer NA
Mr. Salvatore J. DiMartino Executive VP & Director of Investor Relations NA

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Dec 04, 2025 Richard A Raffetto N/A Purchase 95.00 $12.85 $1.22K
Sep 04, 2025 Richard A Raffetto N/A Sale 4.00 $12.93 $51.72

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 41.10M Mar 31, 2026 9.86% $0.01 -4.50%
REVERENCE CAPITAL PARTNERS, L.P. 35.98M Mar 31, 2026 8.63% $100.00 0.00%
Hudson Bay Capital Management LP 34.69M Mar 31, 2026 8.32% $1.58 0.00%
Vanguard Group Inc 32.07M Dec 31, 2025 7.70% $0.01 -1.00%
State Street Corp 16.61M Mar 31, 2026 3.99% $0.01 -6.16%
Vanguard Portfolio Management, LLC 15.64M Mar 31, 2026 3.75% $0.01 0.00%
Vanguard Capital Management, LLC 14.53M Mar 31, 2026 3.49% $0.00 0.00%
T. Rowe Price Investment Management,Inc. 12.64M Mar 31, 2026 3.03% $0.11 -19.90%
Geode Capital Management, LLC 7.75M Mar 31, 2026 1.86% $0.01 3.48%
AllianceBernstein L.P. 7.47M Mar 31, 2026 1.79% $0.03 6.45%
Dimensional Fund Advisors, Inc. 6.73M Mar 31, 2026 1.62% $0.02 9.23%
The Goldman Sachs Group Inc 6.43M Mar 31, 2026 1.54% $0.01 39.09%
Morgan Stanley - Brokerage Accounts 5.48M Mar 31, 2026 1.31% $0.00 20.67%
Millennium Management LLC 5.09M Mar 31, 2026 1.22% $0.03 -19.30%
Charles Schwab Investment Management Inc 4.36M Mar 31, 2026 1.05% $0.01 10.67%
Kahn Brothers & CO Inc /DE/ 4.08M Mar 31, 2026 0.98% $9.53 -2.24%
Two Sigma Investments LLC 3.75M Mar 31, 2026 0.90% $0.04 172.61%
Balyasny Asset Management LLC 3.72M Mar 31, 2026 0.89% $0.06 174.89%
Citadel Advisors Llc 3.62M Mar 31, 2026 0.87% $0.01 -21.88%
Jupiter Asset Management Limited 3.53M Mar 31, 2026 0.85% $0.25 0.00%

Shares Statistics

Shares Outstanding: 416.82M
Shares Float: 266.82M
% Insiders: 94.20%
% Institutions: 9,532.80%
Short % Float: 0.01%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 Vanguard Total Stock Mkt Idx Inv 10.65M 2.56% ▲ 0.28% Apr 30, 2026
2 iShares Core S&P Mid-Cap ETF 10.16M 2.44% ▲ 0.02% May 29, 2026
3 Vanguard Small Cap Index 7.67M 1.84% ▼ 0.11% Apr 30, 2026
4 iShares Russell 2000 ETF 7.23M 1.73% ▲ 0.93% May 29, 2026
5 Vanguard Small Cap Value Index Inv 4.93M 1.18% ▲ 0.75% Apr 30, 2026
6 State Street® SPDR® S&PRgnllBkgETF 4.25M 1.02% ▲ 0.82% May 31, 2026
7 T. Rowe Price Small-Cap Value 3.66M 0.88% ▼ 0.06% Apr 30, 2026
8 Vanguard Institutional Extnd Mkt Idx Tr 3.38M 0.81% ▲ 0.93% Apr 30, 2026
9 Fidelity Small Cap Index 2.98M 0.71% ▲ 0.08% Mar 31, 2026
10 BlackRock Strategic Income Opps Instl 2.65M 0.64% ▼ 8.95% Jan 31, 2026

Valuation Metrics

Enterprise Value: $11.32B
Trailing P/E: 0.00
Forward P/E: 22.99

Financial Highlights

Market Cap: $6.23B
PEG Ratio: $0.47
Book Value: $18.28
Dividend/Share: $0.04
Dividend Yield: 0.28%
Earnings/Share: $-0.21
Profit Margin: -2.85%
Operating Margin: 17.47%
ROA (TTM): -0.06%
ROE (TTM): -0.69%
Revenue (TTM): $1.96B
Revenue/Share (TTM): $4.73
Earnings Growth (YOY): 0.00%
Revenue Growth (YOY): 21.20%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 0.54x 1.50x 0.91x -0.07x -243.68x
2024-12-31 0.35x 1.77x 0.92x -0.36x -12.08x
2023-12-31 0.27x 3.42x 0.93x -0.02x 248.84x
2022-12-31 0.18x 3.59x 0.90x 1.19x 37.29x
2021-12-31 0.22x 2.88x 0.88x 2.02x 24.56x
2020-12-31 0.25x 2.35x 0.88x 0.97x 26.28x
2019-12-31 0.20x 0.12x 0.87x 0.62x 1.45x
2018-12-31 0.21x 0.08x 0.87x 0.85x 0.85x
2017-12-31 0.18x 0.07x 0.86x 1.48x 0.64x
2016-12-31 0.05x 0.27x 0.87x 2.01x 2.03x
2015-12-31 0.05x 0.32x 0.88x -0.10x -20.24x
2014-12-31 0.04x 0.64x 0.88x 1.42x 4.55x
2013-12-31 0.05x 0.67x 0.88x 1.38x 4.89x
2012-12-31 0.12x 0.75x 0.87x 1.24x 5.11x
2011-12-31 0.13x 0.76x 0.87x 1.10x 5.38x
2010-12-31 0.13x 0.86x 0.87x 1.14x 5.33x
2009-12-31 0.18x 0.89x 0.87x 0.81x 7.52x
2008-12-31 0.06x 1.10x 0.87x 0.06x 47.85x
2007-12-31 0.10x 1.05x 0.86x 0.42x 9.94x
2006-12-31 0.13x 1.04x 0.87x 0.41x 10.08x
2005-12-31 0.16x 1.31x 0.87x 0.76x 9.26x
2004-12-31 0.02x 0.01x 0.87x 1.36x 0.03x
2003-12-31 0.03x 0.03x 0.88x 2.02x 0.15x
2002-12-31 0.02x 0.01x 0.88x 1.49x 0.03x
2001-12-31 0.03x 0.09x 0.89x 0.81x 0.47x
2000-12-31 0.08x 0.13x 0.93x 0.44x 0.80x
1999-12-31 0.02x 4.64x 0.93x 0.71x 11.61x
1998-12-31 0.03x 2.94x 0.91x 0.69x 9.46x
1997-12-31 0.02x 1.82x 0.89x 0.68x 7.94x
1996-12-31 0.02x 0.39x 0.84x 0.86x 2.02x
1995-12-31 0.04x 0.00x 0.82x 0.81x 0.00x
1994-12-31 0.01x 0.00x 0.82x 1.14x 0.00x
1993-12-31 0.07x 0.00x 0.82x 0.77x 0.00x

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