Flagstar Bank NA Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $2B+21.2% YoYTTM through 31 Mar 2026
Net Income -$177MTTM through 31 Mar 2026
Margins
| Current | |
|---|---|
| Operating Margin | 2.7% |
| Net Margin | 4.2% |
Returns
-0.7%ROE
0.1%ROA
0.2%ROIC
Balance Sheet Health
Debt / Equity1.38x
Net Debt$4.6B
Cash & Equivalents$7B
Quality Metrics
Earnings-Beat Rate50.0%
Dividend
$0.02Per share, FY20260.27%Yield-60.3%5-yr growth
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Commercial and Industrial (C&I) Lending | View detailsManagement expects continued C&I-led balance sheet growth in 2026 as part of its strategic diversification plan. | ||
| Commercial Real Estate (CRE) & Multi-family | View detailsThe bank is actively de-risking and reducing its CRE concentration, expecting $3.5 billion to $5.0 billion of payoffs in 2026. |
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