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Flagstar Bank, National Association (FLG) Q2 2026 Earnings Call Transcript

Flagstar Bank (FLG - Free Report) came out with quarterly earnings of $0.05 per share, missing the Zacks Consensus Estimate of $0.06 per share. This compares to a loss of $0.14 per share a year ago. These figures are adjusted for non-recurring items.

This quarterly report represents an earnings surprise of -16.67%. A quarter ago, it was expected that this bank holding company would post earnings of $0.03 per share when it actually produced earnings of $0.04, delivering a surprise of +33.33%.

Over the last four quarters, the company has surpassed consensus EPS estimates two times.

Flagstar Bank, which belongs to the Zacks Banks - Southeast industry, posted revenues of $516 million for the quarter ended June 2026, missing the Zacks Consensus Estimate by 5.3%. This compares to year-ago revenues of $496 million. The company has topped consensus revenue estimates two times over the last four quarters.

The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call.

Flagstar Bank shares have added about 16.8% since the beginning of the year versus the S&P 500's gain of 8.2%.

What's Next for Flagstar Bank?While Flagstar Bank has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock?

There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately.

Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions.

Ahead of this earnings release, the estimate revisions trend for Flagstar Bank was unfavorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #4 (Sell) for the stock. So, the shares are expected to underperform the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.

It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $0.13 on $588.31 million in revenues for the coming quarter and $0.43 on $2.27 billion in revenues for the current fiscal year.

Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Southeast is currently in the top 31% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1.

Another stock from the same industry, OptimumBank Holdings, Inc. (OPHC - Free Report) , has yet to report results for the quarter ended June 2026.

This company is expected to post quarterly earnings of $0.20 per share in its upcoming report, which represents a year-over-year change of -31%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days.

OptimumBank Holdings, Inc.'s revenues are expected to be $14.2 million, up 17.6% from the year-ago quarter.

Board of Directors Authorizes Repurchase of Up to $250 Million of Outstanding Common Stock, Reflecting the Bank's Strong Capital Position and Commitment to Long-Term Shareholder Value

, /PRNewswire/ -- Flagstar Bank, N.A. (NYSE: FLG) (the "Bank") today announced that its Board of Directors has authorized a common stock repurchase program under which the Bank may repurchase up to $250 million of its outstanding common stock over the next 12-month period.

Commenting on the repurchase program, Joseph M. Otting, Executive Chairman and Chief Executive Officer stated, "We are pleased to announce our stock buyback program, which reflects the meaningful progress we have made in executing our strategic plan, the strength of the balance sheet, and Flagstar's long-term growth prospects. We have consistently maintained capital levels well above regulatory requirements, and we believe that returning capital to our shareholders through a share repurchase program represents a compelling and disciplined use of our excess capital at this time.

"We remain deeply committed to serving our customers and communities and we are confident that this program — alongside our continued investment in our people, products, systems, and technology — will deliver sustainable, long-term value for our shareholders."

Repurchases may be conducted through open-market purchases, which may include purchases under a trading plan adopted pursuant to Securities and Exchange Commission Rule 10b5-1, or through privately negotiated transactions. The timing and exact amount of any share repurchases will be subject to a variety of factors, including the availability of stock for repurchases, the Bank's capital position and financial performance, regulatory considerations, and general market conditions. The share repurchase program does not obligate the Bank to acquire any specific number of shares and may be modified, suspended, or discontinued at any time without prior notice. Any future stock repurchase programs would be subject to the approval of the Board of Directors and other various factors, including the Bank's liquidity, capital position and financial performance, accounting and regulatory considerations, and general market conditions.

Flagstar Bank, N.A.

Flagstar Bank, N.A. is one of the largest regional banks in the country and is headquartered in Hicksville, New York. At June 30, 2026, the Bank had $87.7 billion of assets, $61.2 billion of loans, deposits of $67.5 billion, and total stockholders' equity of $8.1 billion. Flagstar Bank, N.A. operates approximately 340 locations across nine states, with strong footholds in the greater New York/New Jersey metropolitan region and in the upper Midwest, along with a significant presence in fast-growing markets in Florida and the West Coast.

Cautionary Statements Regarding Forward-Looking Language

This press release may include forward‐looking statements by us and our authorized officers pertaining to such matters as our goals, beliefs, intentions, and expectations regarding, among other things: (a) revenues, earnings, loan production, asset quality, liquidity position, capital levels, risk analysis, divestitures, acquisitions, and other material transactions, among other matters; (b) the future costs and benefits of the actions we may take; (c) our assessments of credit risk and probable losses on loans and associated allowances and reserves; (d) our assessments of interest rate and other market risks; (e) our ability to achieve profitability goals within projected timeframes and to execute on our strategic plan, including the sufficiency of our internal resources, procedures and systems; (f) our ability to execute our capital management strategies, including our ability to complete our current stock repurchase program and to implement future stock repurchase programs; (g) our ability to attract, incentivize, and retain key personnel and the roles of key personnel; (h) our ability to achieve our financial and other strategic goals, including those related to our recent holding company reorganization, which was completed in October 2025 (the "Reorganization"), our merger with Flagstar Bancorp, Inc., which was completed in December 2022, our acquisition of substantial portions of the former Signature Bank through an FDIC-assisted transaction, which was completed in March 2023, and our ability to comply with the heightened regulatory standards with respect to governance and risk management programs to which we are subject as a national bank with assets of $50 billion or more; (i) the impact of the $1.05 billion capital raise we completed in March 2024; (j) the conversion or exchange of shares of our preferred stock; (k) the payment of dividends on shares of our capital stock, including adjustments to the amount of dividends payable on shares of our preferred stock; (l) the dilution of existing equity holders associated with future equity awards and stock issuances; (m) the effects of the reverse stock split we effected in July 2024; and (n) the impact of the 2024 sale of our mortgage servicing operations, third party mortgage loan origination business, and mortgage warehouse business.

Forward‐looking statements are typically identified by such words as "believe," "expect," "anticipate," "intend," "outlook," "estimate," "forecast," "project," "should," "confident," and other similar words and expressions, and are subject to numerous assumptions, risks, and uncertainties, which change over time. Additionally, forward‐looking statements speak only as of the date they are made; we do not assume any duty, and do not undertake, to update our forward‐looking statements. Furthermore, because forward‐looking statements are subject to assumptions and uncertainties, actual results or future events could differ, possibly materially, from those anticipated in our statements, and our future performance could differ materially from our historical results.

Our forward‐looking statements are subject to, among others, the following principal risks and uncertainties: general economic conditions and trends, either nationally or locally; conditions in the securities, credit and financial markets; changes in interest rates; changes in deposit flows, and in the demand for deposit, loan, and investment products and other financial services; changes in real estate values; changes in the quality or composition of our loan or investment portfolios, including associated allowances and reserves; changes in future allowance for credit losses, including changes required under relevant accounting and regulatory requirements; the ability to pay future dividends; the ability to implement future stock repurchase programs, which are subject to the approval of the Board of Directors and other various factors, including the Bank's liquidity, capital position, and financial performance, accounting and regulatory considerations, as well as general market conditions; changes in our capital management and balance sheet strategies and our ability to successfully implement such strategies; our ability to achieve the anticipated benefits of the Reorganization; changes in our Board of Directors and our executive management team; changes in our strategic plan, including changes in our internal resources, procedures and systems, and our ability to successfully implement such plan; changes in competitive pressures among financial institutions or from non‐financial institutions; changes in legislation, regulations, and policies; changes relating to rent regulation and housing, including recent legislative action in New York City to freeze rents on certain rent-regulated properties; the impacts of tariffs, sanctions and other trade policies of the United States and its global trading counterparts; the outcome of federal, state, and local elections and the resulting economic and other impact on the areas in which we conduct business; the impact of changing political conditions or federal government shutdowns; the imposition of restrictions on our operations by bank regulators; the outcome of pending or threatened litigation, or of investigations or any other matters before regulatory agencies, whether currently existing or commencing in the future; our ability to comply with heightened regulatory standards with respect to governance and risk management programs to which we are subject as a national bank with assets of $50 billion or more; the restructuring of our mortgage business; our ability to achieve anticipated cost savings and enhanced efficiencies with respect to our balance sheet and expense reduction strategies; the impact of failures or disruptions in or breaches of our operational or security systems, data or infrastructure, or those of third parties, including as a result of cyberattacks or campaigns; the impact of natural disasters, extreme weather events, civil unrest, international military conflict, terrorism or other geopolitical events; and a variety of other matters which, by their nature, are subject to significant uncertainties and/or are beyond our control. Our forward-looking statements are also subject to the following principal risks and uncertainties with respect to our merger with Flagstar Bancorp, which was completed in December 2022, and our acquisition of substantial portions of the former Signature Bank through an FDIC-assisted transaction, which was completed in March 2023: the possibility that the anticipated benefits of the transactions will not be realized when expected or at all; the possibility of increased legal and compliance costs, including with respect to any litigation or regulatory actions related to the business practices of acquired companies or the combined business; diversion of management's attention from ongoing business operations and opportunities; the possibility that we may be unable to achieve expected synergies and operating efficiencies in or as a result of the transactions within the expected timeframes or at all; and revenues following the transactions may be lower than expected.

More information regarding some of these factors is provided in the Risk Factors section of our Annual Report on Form 10‐K for the year ended December 31, 2025, and in other reports we file with the Office of the Comptroller of the Currency (the "OCC") and voluntarily file with the Securities and Exchange Commission (the "SEC"), and which are also available on our Investor Relations website. Our forward‐looking statements may also be subject to other risks and uncertainties, including those we may discuss in this news release, on our conference call, during investor presentations, or in our securities disclosure filings. All such files are accessible on our website at ir.flagstar.com, on the OCC's website at www.occ.gov, and on the SEC's website at www.sec.gov.

Investor Contact:
Salvatore J. DiMartino
(516) 683-4286

Media Contact:
Jessica Torchia
(248) 312-6451

SOURCE Flagstar Bank, N.A.

Posted by _ _xnake on Jul 17th, 2026

Shares of Flagstar Bank, National Association (NYSE:FLG – Get Free Report) hit a new 52-week high during mid-day trading on Thursday after Cantor Fitzgerald raised their price target on the stock from $16.00 to $17.00. Cantor Fitzgerald currently has an overweight rating on the stock. Flagstar Bank, National Association traded as high as $15.44 and last traded at $15.3810, with a volume of 834072 shares. The stock had previously closed at $15.01.

Other equities analysts also recently issued research reports about the company. Citigroup upped their price objective on Flagstar Bank, National Association from $17.00 to $18.00 and gave the company a “buy” rating in a research report on Thursday, June 25th. Barclays lifted their target price on Flagstar Bank, National Association from $16.00 to $17.00 and gave the stock an “overweight” rating in a research report on Tuesday, July 7th. Wall Street Zen lowered shares of Flagstar Bank, National Association from a “hold” rating to a “sell” rating in a research note on Saturday, July 4th. UBS Group initiated coverage on shares of Flagstar Bank, National Association in a report on Tuesday, July 7th. They issued a “buy” rating and a $18.00 price target on the stock. Finally, Weiss Ratings reaffirmed a “sell (d-)” rating on shares of Flagstar Bank, National Association in a research note on Tuesday, April 21st. Nine research analysts have rated the stock with a Buy rating, three have assigned a Hold rating and one has given a Sell rating to the stock. Based on data from MarketBeat.com, the company presently has a consensus rating of “Moderate Buy” and a consensus price target of $16.96.

Get Our Latest Research Report on Flagstar Bank, National Association

Institutional Investors Weigh In On Flagstar Bank, National Association Several large investors have recently modified their holdings of FLG. DV Equities LLC purchased a new stake in shares of Flagstar Bank, National Association in the 4th quarter worth approximately $25,000. Fideuram Intesa Sanpaolo Private Banking S.P.A. bought a new position in shares of Flagstar Bank, National Association during the fourth quarter valued at approximately $34,000. Litman Gregory Wealth Management LLC purchased a new position in Flagstar Bank, National Association during the fourth quarter valued at approximately $34,000. Advisory Services Network LLC purchased a new position in Flagstar Bank, National Association during the third quarter valued at approximately $35,000. Finally, Clayton Financial Group LLC bought a new position in Flagstar Bank, National Association in the fourth quarter worth approximately $42,000. Institutional investors own 67.88% of the company’s stock.

Flagstar Bank, National Association Stock Up 2.3% The business’s 50 day moving average is $14.41 and its 200 day moving average is $13.72. The company has a quick ratio of 0.90, a current ratio of 0.90 and a debt-to-equity ratio of 1.47. The company has a market cap of $6.40 billion, a P/E ratio of -69.80 and a beta of 1.01.

Flagstar Bank, National Association (NYSE:FLG – Get Free Report) last announced its earnings results on Friday, April 24th. The company reported $0.04 earnings per share (EPS) for the quarter, beating the consensus estimate of $0.03 by $0.01. Flagstar Bank, National Association had a negative return on equity of 0.11% and a negative net margin of 1.22%.The business had revenue of $507.00 million for the quarter, compared to analysts’ expectations of $556.74 million. During the same quarter last year, the firm earned ($0.26) EPS. The business’s revenue for the quarter was up 1.6% on a year-over-year basis. As a group, equities analysts anticipate that Flagstar Bank, National Association will post 0.43 earnings per share for the current fiscal year.

Flagstar Bank, National Association Announces Dividend The business also recently disclosed a quarterly dividend, which was paid on Wednesday, June 17th. Investors of record on Sunday, June 7th were paid a dividend of $0.01 per share. This represents a $0.04 dividend on an annualized basis and a dividend yield of 0.3%. The ex-dividend date was Friday, June 5th. Flagstar Bank, National Association’s dividend payout ratio is -18.18%.

Flagstar Bank, National Association Company Profile (Get Free Report)

Flagstar Financial Corporation (NYSE: FLG) is a bank holding company whose principal subsidiary, Flagstar Bank, provides a range of financial services across the United States. Headquartered in Troy, Michigan, Flagstar combines commercial banking, mortgage lending and servicing, and deposit products to serve individuals, businesses and public entities. As a publicly traded company, Flagstar leverages its banking charter and national mortgage platform to deliver tailored financial solutions through both digital and branch channels.

The company’s mortgage business is one of the largest residential originators and servicers in the nation, offering retail, wholesale and correspondent lending channels.

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Bank establishes proprietary rights over its enterprise platform and novel AI system

, /PRNewswire/ -- Flagstar Bank, N.A. (NYSE: FLG) (the "Bank") today announced significant progress in its strategic technology transformation, establishing proprietary rights over its enterprise platform and novel AI system designed for regulated financial services.

THE INVESTMENT & STRATEGIC VISION

Recognizing that modernizing technology is critical to future success, Flagstar architected a purpose-built technology foundation with a deep understanding of financial regulatory requirements, reflecting how a modern regulated bank operates today. Rather than relying on third-party solutions, Flagstar's approach reflects a broader institutional commitment to developing differentiated capabilities.

"Technology innovation is a key part of the Bank's strategic plan and central to achieving our vision of being a best-in-class bank for all of our customers," said Christopher Higgins, Executive Vice President and Chief Information & Operations Officer at Flagstar Bank. "Protecting the intellectual property behind our transformation is about more than legal defensibility — it signals to the market, our regulators, and our customers that Flagstar is building a modern institution with unique capabilities that differentiate how we serve and protect our stakeholders."

The Flagstar S2 Platform™: A Technology Brand

As part of today's announcement, the Bank has applied to obtain a trademark registration for the branding of its enterprise technology transformation platform, Flagstar S2 Platform™ — Simple and Sophisticated.

The Flagstar S2 Platform™ represents the Bank's unified technology transformation initiative which includes the consolidation of three legacy banking environments (Flagstar Bank, New York Community Bank, and Signature Bank), six data centers, and disparate technology stacks into a modern, integrated foundation. The platform delivers simplicity and elegance that reduces costs, improves customer and employee experience, and drives enterprise value.

The trademark will cover three key categories.

Computer & Software Services & Scientific Services — covering the platform's enterprise technology services, business management, business analytics, and business operations capabilities. Financial Services — encompassing the banking and financial management solutions delivered through the platform. Technology Platform Services — covering non-downloadable software platforms and Platform as a Service (PaaS) solutions for financial and business management. StarIQ: A Patent-Pending Novel Enterprise AI System

The Bank has also filed for a provisional patent application for StarIQ, its proprietary enterprise generative AI orchestration system.

StarIQ was built specifically for regulated financial services environments to enable secure, governed AI deployment across the enterprise while maintaining regulatory compliance. Deployed in early 2026, the platform integrates multiple foundation models including Anthropic Claude, Meta Llama, Mistral, Amazon Titan, and is powered by Amazon Web Services while secured by Palo Alto Networks.

StarIQ represents a differentiated approach to secure, governed, multi-model AI deployment among regulated banks. The patent application, titled "Techniques for Secure Enterprise Generative Artificial Intelligence Orchestration," will protect the novel system and method at the core of Flagstar's StarIQ platform.

The application covers several innovations that distinguish StarIQ from other AI platforms.

Secure Multi-Model AI Orchestration Architecture — Integrates multiple AI providers within a single governed platform using consumption-based deployment, eliminating per-seat limitations AI-Aware Enterprise Security Layer — Employs Palo Alto Networks Prisma AI firewalls for real-time detection of sensitive data patterns, prompt injection attempts, and policy violations Custom Retrieval-Augmented Generation (RAG) Pipeline — Enables secure document and policy queries with full citation tracking and access-controlled knowledge bases Integrated AI Governance Framework — Connects business case submission through regulatory compliance review and multi-level approvals in a single auditable system "Securing these intellectual property protections reflects Flagstar's commitment to building, not just buying technology, that is purpose-built for regulated financial services," said Jason Pope, Chief Technology Officer. "The Flagstar S2 Platform trademark establishes our unique identity in the market, and the pending StarIQ patent signals that the innovation happening inside this institution is differentiated, defensible, and designed to create a lasting competitive advantage."

Flagstar Bank, N.A.

Flagstar Bank, N.A. is one of the largest regional banks in the country and is headquartered in Hicksville, New York. At March 31, 2026, the Bank had $87.1 billion of assets, $60.7 billion of loans, deposits of $66.8 billion, and total stockholders' equity of $8.1 billion. Flagstar Bank, N.A. operates approximately 340 locations across nine states, with strong footholds in the greater New York/New Jersey metropolitan region and in the upper Midwest, along with a significant presence in fast-growing markets in Florida and the West Coast.

Cautionary Statements Regarding Forward-Looking Language

This press release may include forward‐looking statements by us and our authorized officers pertaining to such matters as our goals, beliefs, intentions, and expectations regarding, among other things: (a) revenues, earnings, loan production, asset quality, liquidity position, capital levels, risk analysis, divestitures, acquisitions, and other material transactions, among other matters; (b) the future costs and benefits of the actions we may take; (c) our assessments of credit risk and probable losses on loans and associated allowances and reserves; (d) our assessments of interest rate and other market risks; (e) our ability to achieve profitability goals within projected timeframes and to execute on our strategic plan, including the sufficiency of our internal resources, procedures and systems; (f) our ability to attract, incentivize, and retain key personnel and the roles of key personnel; (g) our ability to achieve our financial and other strategic goals, including those related to our recent holding company reorganization, which was completed in October 2025 (the "Reorganization"), our merger with Flagstar Bancorp, Inc., which was completed in December 2022, our acquisition of substantial portions of the former Signature Bank through an FDIC-assisted transaction, which was completed in March 2023, and our ability to comply with the heightened regulatory standards with respect to governance and risk management programs to which we are subject as a national bank with assets of $50 billion or more; (h) the impact of the $1.05 billion capital raise we completed in March 2024; (i) the conversion or exchange of shares of our preferred stock; (j) the payment of dividends on shares of our capital stock, including adjustments to the amount of dividends payable on shares of our preferred stock; (k) the availability of equity and dilution of existing equity holders associated with future equity awards and stock issuances; (l) the effects of the reverse stock split we effected in July 2024; and (m) the impact of the 2024 sale of our mortgage servicing operations, third party mortgage loan origination business, and mortgage warehouse business.

Forward‐looking statements are typically identified by such words as "believe," "expect," "anticipate," "intend," "outlook," "estimate," "forecast," "project," "should," "confident," and other similar words and expressions, and are subject to numerous assumptions, risks, and uncertainties, which change over time. Additionally, forward‐looking statements speak only as of the date they are made; we do not assume any duty, and do not undertake, to update our forward‐looking statements. Furthermore, because forward‐looking statements are subject to assumptions and uncertainties, actual results or future events could differ, possibly materially, from those anticipated in our statements, and our future performance could differ materially from our historical results.

Our forward‐looking statements are subject to, among others, the following principal risks and uncertainties: general economic conditions and trends, either nationally or locally; conditions in the securities, credit and financial markets; changes in interest rates; changes in deposit flows, and in the demand for deposit, loan, and investment products and other financial services; changes in real estate values; changes in the quality or composition of our loan or investment portfolios, including associated allowances and reserves; changes in future allowance for credit losses, including changes required under relevant accounting and regulatory requirements; the ability to pay future dividends; changes in our capital management and balance sheet strategies and our ability to successfully implement such strategies; our ability to achieve the anticipated benefits of the Reorganization; changes in our Board of Directors and our executive management team; changes in our strategic plan, including changes in our internal resources, procedures and systems, and our ability to successfully implement such plan; changes in competitive pressures among financial institutions or from non‐financial institutions; changes in legislation, regulations, and policies; the impacts of tariffs, sanctions and other trade policies of the United States and its global trading counterparts; the outcome of federal, state, and local elections and the resulting economic and other impact on the areas in which we conduct business; the impact of changing political conditions or federal government shutdowns; the imposition of restrictions on our operations by bank regulators; the outcome of pending or threatened litigation, or of investigations or any other matters before regulatory agencies, whether currently existing or commencing in the future; our ability to comply with heightened regulatory standards with respect to governance and risk management programs to which we are subject as a national bank with assets of $50 billion or more; the restructuring of our mortgage business; our ability to recognize anticipated cost savings and enhanced efficiencies with respect to our balance sheet and expense reduction strategies; the impact of failures or disruptions in or breaches of our operational or security systems, data or infrastructure, or those of third parties, including as a result of cyberattacks or campaigns; the impact of natural disasters, extreme weather events, civil unrest, international military conflict, terrorism or other geopolitical events; and a variety of other matters which, by their nature, are subject to significant uncertainties and/or are beyond our control. Our forward-looking statements are also subject to the following principal risks and uncertainties with respect to our merger with Flagstar Bancorp, which was completed in December 2022, and our acquisition of substantial portions of the former Signature Bank through an FDIC-assisted transaction, which was completed in March 2023: the possibility that the anticipated benefits of the transactions will not be realized when expected or at all; the possibility of increased legal and compliance costs, including with respect to any litigation or regulatory actions related to the business practices of acquired companies or the combined business; diversion of management's attention from ongoing business operations and opportunities; the possibility that we may be unable to achieve expected synergies and operating efficiencies in or as a result of the transactions within the expected timeframes or at all; and revenues following the transactions may be lower than expected.

More information regarding some of these factors is provided in the Risk Factors section of our Annual Report on Form 10‐K for the year ended December 31, 2025, and in other reports we file with the Office of the Comptroller of the Currency (the "OCC") and voluntarily file with the Securities and Exchange Commission (the "SEC"), and which are also available on our Investor Relations website. Our forward‐looking statements may also be subject to other risks and uncertainties, including those we may discuss in this news release, on our conference call, during investor presentations, or in our securities disclosure filings. All such files are accessible on our website at ir.flagstar.com, on the OCC's website at www.occ.gov, and on the SEC's website at www.sec.gov.

Investor Contact:
     Salvatore J. DiMartino
     (516) 683-4286

SOURCE Flagstar Bank, N.A.

Posted by Defense World Staff on Apr 17th, 2026

Flagstar Bank, National Association (NYSE:FLG – Get Free Report) will likely be issuing its Q1 2026 results before the market opens on Friday, April 24th. Analysts expect the company to announce earnings of $0.04 per share and revenue of $556.7430 million for the quarter. Parties may visit the the company’s upcoming Q1 2026 earning results page for the latest details on the call scheduled for Friday, April 24, 2026 at 8:00 AM ET.

Flagstar Bank, National Association (NYSE:FLG – Get Free Report) last announced its earnings results on Friday, January 30th. The company reported $0.06 EPS for the quarter, topping analysts’ consensus estimates of $0.02 by $0.04. The firm had revenue of $548.00 million during the quarter, compared to analysts’ expectations of $533.00 million. Flagstar Bank, National Association had a negative return on equity of 1.60% and a negative net margin of 3.68%.The company’s quarterly revenue was down 10.9% on a year-over-year basis. During the same quarter in the previous year, the business earned ($0.41) EPS. On average, analysts expect Flagstar Bank, National Association to post $0 EPS for the current fiscal year and $1 EPS for the next fiscal year.

Flagstar Bank, National Association Price Performance Shares of Flagstar Bank, National Association stock opened at $14.26 on Friday. The stock has a market cap of $5.93 billion, a price-to-earnings ratio of -27.95 and a beta of 1.02. The company has a debt-to-equity ratio of 1.59, a quick ratio of 0.91 and a current ratio of 0.92. The stock has a 50 day moving average price of $13.32 and a 200-day moving average price of $12.63. Flagstar Bank, National Association has a one year low of $10.27 and a one year high of $14.53.

Flagstar Bank, National Association Dividend Announcement The business also recently announced a quarterly dividend, which was paid on Tuesday, March 17th. Stockholders of record on Saturday, March 7th were issued a $0.01 dividend. The ex-dividend date was Friday, March 6th. This represents a $0.04 dividend on an annualized basis and a dividend yield of 0.3%. Flagstar Bank, National Association’s payout ratio is -7.84%.

Wall Street Analyst Weigh In FLG has been the subject of a number of recent research reports. Truist Financial upgraded Flagstar Bank, National Association from a “hold” rating to a “buy” rating and lifted their target price for the stock from $13.50 to $17.00 in a report on Tuesday, April 7th. Cantor Fitzgerald lifted their target price on Flagstar Bank, National Association from $15.00 to $16.00 and gave the stock an “overweight” rating in a report on Friday, December 19th. JPMorgan Chase & Co. lifted their target price on Flagstar Bank, National Association from $14.50 to $15.00 and gave the stock a “neutral” rating in a report on Monday, February 2nd. Barclays lifted their target price on Flagstar Bank, National Association from $15.00 to $16.00 and gave the stock an “overweight” rating in a report on Tuesday, April 7th. Finally, Citigroup boosted their price objective on Flagstar Bank, National Association from $16.00 to $16.50 and gave the company a “buy” rating in a report on Tuesday, February 3rd. One research analyst has rated the stock with a Strong Buy rating, seven have given a Buy rating, six have given a Hold rating and one has assigned a Sell rating to the stock. According to data from MarketBeat, Flagstar Bank, National Association has an average rating of “Moderate Buy” and a consensus target price of $15.18.

Check Out Our Latest Analysis on Flagstar Bank, National Association

Hedge Funds Weigh In On Flagstar Bank, National Association Large investors have recently bought and sold shares of the business. UMB Bank n.a. raised its position in Flagstar Bank, National Association by 23.6% during the 4th quarter. UMB Bank n.a. now owns 3,766 shares of the company’s stock valued at $47,000 after purchasing an additional 719 shares in the last quarter. Mercer Global Advisors Inc. ADV raised its position in Flagstar Bank, National Association by 6.2% during the 3rd quarter. Mercer Global Advisors Inc. ADV now owns 16,060 shares of the company’s stock valued at $185,000 after purchasing an additional 936 shares in the last quarter. Mendon Capital Advisors Corp raised its position in Flagstar Bank, National Association by 0.4% during the 4th quarter. Mendon Capital Advisors Corp now owns 316,332 shares of the company’s stock valued at $3,983,000 after purchasing an additional 1,250 shares in the last quarter. DV Equities LLC bought a new stake in Flagstar Bank, National Association during the 4th quarter valued at $25,000. Finally, Corient Private Wealth LLC raised its position in Flagstar Bank, National Association by 4.5% during the 4th quarter. Corient Private Wealth LLC now owns 49,175 shares of the company’s stock valued at $593,000 after purchasing an additional 2,136 shares in the last quarter. Hedge funds and other institutional investors own 67.88% of the company’s stock.

Flagstar Bank, National Association Company Profile (Get Free Report)

Flagstar Financial Corporation (NYSE: FLG) is a bank holding company whose principal subsidiary, Flagstar Bank, provides a range of financial services across the United States. Headquartered in Troy, Michigan, Flagstar combines commercial banking, mortgage lending and servicing, and deposit products to serve individuals, businesses and public entities. As a publicly traded company, Flagstar leverages its banking charter and national mortgage platform to deliver tailored financial solutions through both digital and branch channels.

The company’s mortgage business is one of the largest residential originators and servicers in the nation, offering retail, wholesale and correspondent lending channels.

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STRONG GROWTH IN C&I LENDING AS TOTAL C&I LOANS INCREASED $1.4 BILLION OR 9% COMPARED TO PRIOR QUARTER, WITH BROAD-BASED GROWTH CORE DEPOSITS, EXCLUDING BROKERED, INCREASED $1.1 BILLION OR 2% QUARTER-OVER-QUARTER, WHILE OVERALL DEPOSITS GREW $832 MILLION OR 1% CREDIT QUALITY CONTINUES TO IMPROVE AS NON-ACCRUAL LOANS DECLINED 11% AND CRITICIZED/CLASSIFIED LOANS DECLINED 3% COMPARED TO PRIOR QUARTER CRE EXPOSURE DECLINES FURTHER WITH CRE PAR PAYOFFS OF $1.1 BILLION, INCLUDING 42% IN SUBSTANDARD AND A CRE CONCENTRATION RATIO OF 367% COMPARED TO 381% IN PRIOR QUARTER NET INTEREST MARGIN OF 2.15%, UP 1 BASIS POINT VERSUS PRIOR QUARTER; UP 10 BASIS POINTS AS ADJUSTED; COST OF FUNDS CONTINUE TO TREND LOWER STRONG EXPENSE MANAGEMENT WITH OPERATING EXPENSES DOWN 5% COMPARED TO PRIOR QUARTER CET1 CAPITAL RATIO INCREASED TO OVER 13%, ENDING THE QUARTER UP 40 BASIS POINTS TO 13.24% First Quarter 2026 Summary Compared to Fourth Quarter 2025 Asset Quality Loans and Deposits Non-accrual loans decreased $323 million or 11% Criticized/Classified loans declined $323 million or 3% CRE concentration ratio improved to 367% vs. 381% Total ACL of $1.0 billion or 1.67% of total loans HFI  NCOs to average loans was 0.52% vs.

Flagstar Bank (FLG - Free Report) reported $498 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 1.6%. EPS of $0.04 for the same period compares to -$0.23 a year ago.

The reported revenue represents a surprise of -10.61% over the Zacks Consensus Estimate of $557.14 million. With the consensus EPS estimate being $0.03, the EPS surprise was +19.4%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Flagstar Bank performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

Net Interest Margin: 2.2% compared to the 2.3% average estimate based on seven analysts.Book value per common share (GAAP): $18.28 compared to the $17.93 average estimate based on six analysts.Efficiency Ratio: 93.7% compared to the 85.5% average estimate based on six analysts.Net charge-offs to average loans: 0.5% versus the six-analyst average estimate of 0.4%.Average Balances - Interest earning assets: $83.31 billion compared to the $85.21 billion average estimate based on six analysts.Total Nonperforming Assets: $2.68 billion compared to the $2.54 billion average estimate based on three analysts.Total Non-performing loans: $2.68 billion compared to the $2.45 billion average estimate based on two analysts.Total risk-based capital ratio: 16.7% compared to the 16.3% average estimate based on two analysts.Tier 1 risk-based capital ratio: 14.1% versus the two-analyst average estimate of 13.8%.Leverage Capital Ratio: 9.6% versus 9.3% estimated by two analysts on average.Net Interest Income: $443 million versus the seven-analyst average estimate of $476.38 million.Total non-interest income (loss): $55 million compared to the $81.8 million average estimate based on seven analysts.View all Key Company Metrics for Flagstar Bank here>>>

Shares of Flagstar Bank have returned +8.5% over the past month versus the Zacks S&P 500 composite's +8.1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

Flagstar Bank has seen two consecutive quarters of positive non-GAAP profits and recently received a Fitch credit rating upgrade to "BB". FLG is trading at a discount to tangible book value and well below all-time highs, despite rising deposits and improved credit quality. Strategic portfolio shifts include reducing CRE exposure and expanding commercial and industrial lending, with deposits rising 1.3% sequentially to reach $66.8 billion.

Key Takeaways FLG Q1 EPS of 4 cents beat estimates, aided by higher NII and no credit loss provisions; shares fell 2.2%.FLG's NII rose 8% to $443M, with NIM up 41 bps to 2.15% due to lower funding costs and balance sheet moves.FLG's non-interest income fell 31% to $55M on weaker fees, loan income, and prior mortgage servicing sales. Flagstar Bank, National Association (FLG - Free Report) reported first-quarter 2026 adjusted earnings per share of 4 cents, beating the Zacks Consensus Estimate of 3 cents. In the year-ago quarter, the company had incurred a loss of 23 cents.

Results were primarily driven by an improvement in net interest income (NII), no provision for credit losses, and lower expenses. However, a decline in non-interest income acted as a headwind. Given the concern, FLG shares lost 2.2% during Friday’s trading session.

Results excluded certain non-recurring items. After considering these, the net income available to common shareholders (GAAP basis) was $13 million against a net loss of $108 million in the prior-year quarter.

FLG’s Quarterly Revenues Rise & Expenses DeclineQuarterly revenues were $498 million, missing the Zacks Consensus Estimate by 10.6%. The metric rose 2% from the prior-year quarter.

NII was $443 million, up 8% year over year. The net interest margin (NIM) of 2.15% expanded 41 basis points from the year-ago quarter, driven by a lower cost of funds and balance sheet repositioning.

Non-interest income was $55 million, which declined 31% from the year-ago quarter. The decrease was mainly due to lower fee income, reduced loan-related income, and the impact of prior mortgage servicing business sales.

Non-interest expenses of $466 million decreased 12% year over year. Adjusted operating expenses were $441 million, down 9% from the first quarter of 2025, reflecting lower compensation, FDIC insurance, and general administrative costs.

Flagstar Financial’s Loans Decrease & Deposits IncreaseTotal loans and leases held for investment declined nearly 1% sequentially to $60.4 billion as of March 31, 2026. As of the same date, total deposits increased 1% sequentially to $66.8 billion.

FLG’s Credit Quality: Improving TrendNon-accrual loans were $2.7 billion, which decreased from $3.3 billion as of March 31, 2025. Net charge-offs were $78 million, which declined 32% from the prior-year quarter.

The company recorded nil provisions for credit losses compared with $79 million recorded in the year-ago quarter.

Flagstar Financial’s Capital Ratios StrengthenAs of March 31, 2026, the common equity tier 1 ratio was 13.24% compared with 11.90% as of March 31, 2025. The total risk-based capital ratio increased to 16.69% from 15.25% in the prior-year quarter.

The leverage capital ratio rose to 9.61% from 8.45% a year ago, reflecting improved capital strength.

Our View on FLGFlagstar Financial’s continued reduction in commercial real estate exposure and improving credit quality remain encouraging. While lower non-interest income and balance sheet contraction persist as concerns, solid C&I loan growth, margin expansion, declining credit costs, and disciplined expense management supported another quarter of profitability. Notably, recent credit rating upgrades by Fitch and Moody’s reflect improving confidence in the bank’s balance sheet strength, profitability outlook, and ongoing business transformation. Continued execution on balance sheet optimization and revenue diversification will be key to sustaining this positive momentum.

Flagstar Bank, National Association Price, Consensus and EPS SurpriseZions Bancorporation (ZION - Free Report) reported first-quarter 2026 earnings of $1.56 per share, which beat the Zacks Consensus Estimate of $1.43. Moreover, the bottom line surged 38% from the year-ago quarter.

Results were primarily aided by higher net interest income and growth in fee-based income. Higher loan and deposit balances, along with a provision benefit, provided additional support. However, a rise in non-interest expenses was a headwind for ZION.

“There's nothing special,” he said. “It's not making all that much money, it doesn't have that big of a dividend."

On the earnings front, Flagstar Financial, on April 24, posted first-quarter adjusted earnings of 4 cents per share, beating market estimates of 3 cents per share. The company's sales came in at $498.00 million, missing expectations of $520.49 million.

When asked about Monarch Casino & Resort, Inc. (NASDAQ:MCRI), Cramer said he does not know that casino.

Monarch Casino & Resort, on Tuesday, reported better-than-expected first-quarter financial results.

Cramer said Ciena Corporation (NYSE:CIEN) being 100% up is a “little bit too hot for me, so I'm gonna have to hold off.”

"Now that is one that I can't bless at all," Cramer said when asked about Fermi Inc. (NASDAQ:FRMI).

As per the recent news, Fermi named Rob L. Masson II as interim chief financial officer.

Price Action Monarch Casino shares gained 1% to settle at $119.34 on Wednesday. Ciena shares rose 0.4% to close at $475.39. Applied Digital shares gained 1.8% to settle at $32.69 on Wednesday. Flagstar Bank shares declined 1.4% to close at $13.81. MP Materials shares fell 0.7% to settle at $61.30. Fermi shares fell 4.8% to settle at $5.03 on Wednesday. Photo via Shutterstock

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Flagstar Bank, National Association NYSE: FLG executives said the company has made significant progress stabilizing its balance sheet and repositioning its business model, while acknowledging that the turnaround remains a work in progress.

Speaking at an investor conference, Chairman and CEO Joseph Otting said that when current leadership arrived in March 2024, the bank faced “capital issues, liquidity issues, credit issues, and regulatory issues.” Otting said the company’s common equity tier 1 ratio now stands at 13.2%, while liquidity has increased to $27.5 billion from $6.5 billion.

“We really built now a solid risk governance structure that we're proud of,” Otting said, adding that the bank believes it is positioned to meet enhanced regulatory standards regardless of where they ultimately land.

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Balance Sheet Shift Toward C&I Lending Otting said Flagstar is working toward a balance sheet mix of roughly one-third commercial real estate, one-third commercial and industrial lending, and one-third consumer cash flows, including mortgage-backed securities. The strategy follows what executives described as an overconcentration in multifamily lending, particularly rent-regulated multifamily exposure in New York.

The company has been building out its commercial banking platform, with Otting saying the bank has generated more than $2 billion of new loan outstandings in each of the past two quarters. He said Rich Raffetto, who joined the company to help lead the effort, has recruited more than 300 people into the strategy.

Lee Smith, Flagstar’s chief financial officer, said the bank had largely stepped back from originating new commercial real estate loans from March 2024 through the end of 2025 because it was overweight the asset class. He said CRE concentration to capital has declined from more than 500% in the first quarter of 2024 to about 365%.

Smith said the bank has begun originating new CRE loans again, but with a focus on “good quality” credits in areas such as the Midwest, South Florida and California, emphasizing short-duration, floating-rate loans rather than fixed-rate multifamily exposure in New York City.

Deposit Growth and Ratings Upgrades Otting said recent ratings upgrades have helped open the door to deeper commercial relationships, particularly with customers that had policies limiting deposits above FDIC insurance thresholds unless a bank met certain ratings standards.

He said Flagstar is adding about 75 new commercial and corporate banking customers per quarter. The bank reported $1.1 billion of core deposit growth in the first quarter, which Otting said occurred before the ratings increase.

Executives also said commercial lending is helping drive deposits. Otting said an ideal outcome would be for the bank to gather deposits equal to 30% to 40% of each loan made in the commercial sector. Smith said the bank currently has about a 90% loan-to-deposit ratio and expects to fund loan growth with deposits as it moves through 2026 and into early 2027.

CRE Runoff, Rent-Regulated Exposure and Credit Trends Otting said the bank originally modeled $600 million to $800 million of quarterly commercial real estate payoffs, but recent quarters have run closer to $1.5 billion to $1.6 billion. He said market liquidity has supported the reduction in real estate exposure, with agency lenders accounting for about half of the payoffs.

Smith said the faster runoff has reduced earning assets and created near-term pressure on net interest income and net interest margin. However, he said the broader strategy remains intact and may only shift the timing of certain targets from late 2027 into early 2028 if C&I growth needs additional time to replace CRE runoff.

On New York rent-regulated multifamily loans, Smith said the bank has about $8.8 billion of loans tied to properties that are more than 50% rent-regulated. He said Flagstar modeled a three-year rent freeze beginning in October, with operating costs rising 2.75% annually and market rents rising 2.1% annually.

Smith said the analysis showed little to no impact on net operating income for buildings that are 70% or less rent-regulated, because market-rate units could offset the rent freeze. For buildings that are more than 70% rent-regulated, he said the modeled NOI impact over three years was 7% to 8%.

Smith said $4.6 billion of the $8.8 billion book is pass-rated with a debt service coverage ratio of 1.5%, while the remaining $4.2 billion in criticized and classified loans has more than $500 million of charge-offs and allowance for credit loss coverage against it. He said the bank feels “more than adequately covered.”

Technology, AI and Expense Initiatives Executives also highlighted technology investments and cost reduction efforts. Otting said the bank has consolidated six legacy data centers into two co-location centers and aims to move from two core systems to one by the second quarter of next year.

Smith said that core consolidation is expected to generate $40 million to $45 million in annualized cost savings. He also cited additional opportunities from vendor expense reductions, real estate optimization, lower FDIC expenses and IT projects coming online over the next 18 months.

Smith said the company has taken more than $700 million of costs out while also investing in C&I banking, risk infrastructure and technology. He said the bank’s efficiency ratio target is 50% to 55%, while Otting is pushing the organization toward 50%.

On artificial intelligence, Smith said Flagstar has built a proprietary internal AI platform called StarIQ, which is available to all 5,400 employees. He said about 83% to 84% of employees use it regularly, and that the tool can analyze company records, policies and procedures, as well as assist with presentations and marketing materials.

Capital Returns Under Consideration Otting said the bank is on a “fun side of the mountain” with respect to capital after earlier challenges. He said the company has roughly $1.6 billion to $1.7 billion of excess capital based on current levels, though management is still focused on sustained profitability, continued loan portfolio improvement and the balance between C&I growth and CRE payoff activity.

Once those factors are further evaluated, Otting said management will make a recommendation to the board on what to do with excess capital. He noted that at or below tangible book value, a buyback would be “very attractive.”

Otting also offered a favorable view of the current regulatory environment, saying regulators are moving toward “sensible and logical regulation” and focusing more on end results such as capital and liquidity rather than prescribing specific processes.

About Flagstar Bank, National Association NYSE: FLGFlagstar Financial Corporation NYSE: FLG is a bank holding company whose principal subsidiary, Flagstar Bank, provides a range of financial services across the United States. Headquartered in Troy, Michigan, Flagstar combines commercial banking, mortgage lending and servicing, and deposit products to serve individuals, businesses and public entities. As a publicly traded company, Flagstar leverages its banking charter and national mortgage platform to deliver tailored financial solutions through both digital and branch channels.

The company's mortgage business is one of the largest residential originators and servicers in the nation, offering retail, wholesale and correspondent lending channels.

This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected].

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On May 20, 2026, Flagstar Bank NA FLG shares rose 3.0% today to a current price of $13.67. The stock has experienced a 52-week range of $10.38 to $14.92, reflecting some volatility over the past year.

GF Value™ verdict: The current price is $13.67, compared to a GF Value™ of $8.77, indicating the stock is 55.9% overvalued.GF Score™: At 64/100, Flagstar Bank NA is rated as Above Average.Most notable signal: The momentum rank is strong at 10/10, indicating positive price movement in the short term. Is FLG Overvalued or Undervalued? Currently, Flagstar Bank NA's stock price of $13.67 is significantly above the GF Value™ estimate of $8.77, which suggests that the stock is overvalued by 55.9%. This level of overvaluation indicates that investors might be paying a premium for the stock relative to its intrinsic value. The GF Valuation label categorizes Flagstar Bank as significantly overvalued, highlighting the potential risks for both new and existing shareholders. A stock priced well above its intrinsic value may not provide a sufficient margin of safety for investors, increasing the likelihood of a price correction in the future.

GF Value™ is GuruFocus' proprietary measure of intrinsic value, calculated from historical trading multiples, past business growth, and future performance estimates. Given the current valuation, investors should proceed with caution, as the price may not accurately reflect the company's long-term performance potential.

How Does FLG's Valuation Compare to Its History? Metric Current Historical P/E (TTM) 29.6x 7.6x Flagstar Bank's current P/E ratio of 29.6x is significantly above its 5-year median P/E of 7.6x. This suggests that FLG is trading at a much higher valuation compared to its historical standards, further corroborating the GF Value™ assessment of being overvalued. The P/E analysis aligns with the GF Value™ verdict, indicating that the stock may not be a prudent investment at its current price.

What Does FLG's GF Score™ Tell Us? Metric Rating GF Score™ 64 Financial Strength 3/10 Profitability 3/10 Growth 6/10 Valuation 3/10 Momentum 10/10 The GF Score™ of 64/100 indicates that Flagstar Bank NA has several strengths but also notable weaknesses. The momentum rank stands out at 10/10, suggesting that the stock has been performing well in the short term. However, the financial strength and profitability ratings are low at 3/10, indicating potential concerns about the company's financial health. The growth rank of 6/10 shows moderate potential, but combined with the low valuation rank of 3/10, it highlights the risks associated with the current valuation.

What Are Insiders Doing with FLG Stock? There have been no insider transactions in the last three months for Flagstar Bank NA. This lack of insider activity could suggest that company executives and directors do not see immediate value in buying or selling shares at this time. Generally, active insider buying can be a positive indicator of confidence in the company's prospects, while selling can raise concerns.

What This Means for Investors Based on the current analysis, Flagstar Bank NA FLG is considered overvalued according to the GF Value™. The significant disparity between the stock's market price and its intrinsic value suggests that investors may face heightened risks in the current investment climate.

For the complete analysis, visit the Flagstar Bank NA FLG stock page. You can also explore the GF Value™ page for detailed valuation methodology, or use the GuruFocus Stock Screener to find similar opportunities.

Frequently Asked Questions What is FLG's GF Score™?

The GF Score™ for Flagstar Bank NA is 64/100, indicating an above-average ranking based on five key aspects of the company's financial health and performance.

Is FLG overvalued or undervalued?

FLG is currently overvalued, with a market price of $13.67 compared to a GF Value™ of $8.77, indicating significant risk for investors.

What is FLG's P/E ratio?

The current P/E ratio for FLG is 29.6x, which is substantially higher than its 5-year median P/E of 7.6x, reinforcing the notion that the stock is overvalued.

This stock alert was generated using automated technology and GuruFocus financial data to provide readers with timely and accurate market reporting. This content was reviewed by GuruFocus editorial team prior to publication. Please send any questions or comments about this story to [email protected].

FLAGSTAR BANK, N.A. TO PARTICIPATE AT THE MORGAN STANLEY U.S. FINANCIALS CONFERENCE PR Newswire

HICKSVILLE, N.Y., June 3, 2026

, /PRNewswire/ -- Flagstar Bank, N.A. (NYSE: FLG) (the "Bank") will participate at the Morgan Stanley U.S. Financials Conference to be held on Wednesday, June 10, 2026 in New York City.

Executive Chairman and Chief Executive Officer, Joseph Otting; Co-President, Co-Chief Operating Officer, and Chief Banking Officer, Richard Raffetto; and Co-President, Co-Chief Operating Officer, and Chief Financial Officer, Lee Smith, are scheduled to take part in a fireside chat-style discussion at 3:15 p.m. ET.

The discussion can be live-streamed in a listen-only format on the Bank's website at ir.flagstar.com. A replay of the discussion will be available later in the day and will be archived at the Bank's website through 5:00 p.m., on Wednesday, July 8, 2026.

Flagstar Bank, N.A.

Flagstar Bank, N.A. is one of the largest regional banks in the country and is headquartered in Hicksville, New York. At March 31, 2026, the Bank had $87.1 billion of assets, $60.7 billion of loans, deposits of $66.8 billion, and total stockholders' equity of $8.1 billion. Flagstar Bank, N.A. operates approximately 340 locations across nine states, with strong footholds in the greater New York/New Jersey metropolitan region and in the upper Midwest, along with a significant presence in fast-growing markets in Florida and the West Coast.

Investor Contact:
Salvatore J. DiMartino
(516) 683-4286

View original content to download multimedia:https://www.prnewswire.com/news-releases/flagstar-bank-na-to-participate-at-the-morgan-stanley-us-financials-conference-302788729.html

SOURCE Flagstar Bank, N.A.

Flagstar Bank, National Association (FLG) Presents at Morgan Stanley US Financials Conference 2026 Transcript