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FLAGSTAR BANK, NATIONAL ASSOCIATION

FLG

$13.96 ▼ -0.20 (-1.41%) at close

20 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Bearish

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Analytical Summary

FLAGSTAR BANK, NATIONAL ASSOCIATION faces fundamental challenges with weakness in Profit Margin (%) and Debt to Equity. The fundamentals warrant careful consideration of downside risks.

Market Cap $5.8B

Dividend Yield 0.29%

Revenue Growth -19.2% ↗

Op. Margin -9.6% ↗

ROIC None

FCF / Share None

Trailing P/E —

Price / Book 0.7x

FCF Yield —

Debt / Equity 1.50

info Valuation on last close. End-of-day price, Aug 7, 2026.

20-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$2.06B

↓ -19.2% —

Net Income Profit after all expenses

$-177.00M

↑ +84.2% —

Operating Margin Operating profit as % of sales

-9.6%

↑ +82.2% 16th

Long-Term Debt Long-term obligations

$8.18B

↓ -29.9% —

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)
Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile

Health Breakdown

Profitability

Returns

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.04 Latest / share

-80.0% YoY

-73.0% 4-yr CAGR

FY 2014

FY 2015

FY 2016

FY 2017

FY 2018

FY 2019

FY 2020

FY 2021

$2.04

FY 2022

$1.68

FY 2023

$0.20

FY 2024

$0.04

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Revenue Growth YoY (%)	-19.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-420%)	-55.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-1029%)	250.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+4080%)	21.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+262%)	16.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+171%)	11.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+91%)	-7.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-220%)	-16.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-378%)	-6.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-200%)	131.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2093%)	-53.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-998%)	-3.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-152%)	-4.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-182%)	1.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-75%)	-5.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-190%)	42.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+613%)	53.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+797%)	-5.0% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-184%)	—	—
EPS Growth YoY (%)	85.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-627.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	5.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	17.6% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	32.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-2.5% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-12.2% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-10.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	0.9% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-4.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	3.7% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-12.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	9.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	391.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-74.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	84.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-1315.2% Weak ↓ Weak Declining Year-over-year change in net income	N/M	9.1% Fair ↓ Fair Declining Year-over-year change in net income	16.6% Good ↑ Good Improving Year-over-year change in net income	29.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-6.5% Weak ↑ Weak Improving Year-over-year change in net income	-9.4% Weak Weak Year-over-year change in net income	-5.9% Weak Weak Year-over-year change in net income	N/M	N/M	2.1% Caution ↑ Caution Improving Year-over-year change in net income	-5.1% Weak ↓ Weak Declining Year-over-year change in net income	4.4% Caution ↓ Caution Declining Year-over-year change in net income	-11.3% Weak ↓ Weak Declining Year-over-year change in net income	35.7% Excellent ↓ Excellent Declining Year-over-year change in net income	411.8% Excellent Excellent Year-over-year change in net income	-72.1% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	7.9% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	23.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	70.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	16.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	6.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	-4.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-10.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	22.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	0.1% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	1.1% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-24.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-2.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-3.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	11.1% Good ↓ Good Declining Compound annual revenue growth over 3 years	27.6% Excellent Excellent Compound annual revenue growth over 3 years	27.8% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	12.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	19.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	38.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	4.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	-1.2% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	13.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	-4.9% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-4.1% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-1.6% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-0.0% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-16.4% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	4.8% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	14.9% Excellent Excellent Compound annual revenue growth over 5 years	14.9% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	—	—	17.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	15.0% Good ↑ Good Improving Compound annual EPS growth over 3 years	4.3% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-8.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	—	-6.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-2.2% Weak → Weak Stable Compound annual EPS growth over 3 years	—	0.0% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	-4.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	0.0% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	68.0% Excellent Excellent Compound annual EPS growth over 3 years	11.3% Good Good Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Operating Margin (%) (%)	-9.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-138%)	-54.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-316%)	-0.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-103%)	50.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+101%)	59.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+139%)	50.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+103%)	50.2% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+101%)	49.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+99%)	49.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+98%)	54.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+117%)	-21.3% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-185%)	57.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+130%)	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	10.6% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.9% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-58.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.3% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.1% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.5% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.3% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.2% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.3% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	64.3% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.2% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	-8.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-139%)	-43.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-299%)	-1.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-106%)	39.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+80%)	44.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+101%)	44.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+100%)	37.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+72%)	37.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+71%)	34.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+57%)	34.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+57%)	-7.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-135%)	36.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	34.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	34.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	33.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	35.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+62%)	37.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+70%)	11.3% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-49%)	38.4% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+74%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	-0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	-0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—
Return on Common Equity (%) (%)	-2.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-118%)	-13.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-214%)	-0.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-108%)	7.4% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	8.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	7.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	5.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-51%)	6.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	6.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	8.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	-0.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-107%)	8.4% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	8.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	8.9% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	8.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	9.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	7.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	1.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	6.7% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-44%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Debt to Equity (x)	1.50x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+25%)	1.77x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+47%)	2.54x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+112%)	2.42x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+101%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Revenue per Share (USD)	$4.96	$7.72	$24.23	$10.19	$8.73	$7.53	$6.72	$6.91	$8.30	$8.86	$4.14	$9.13	$9.46	$9.99	$9.88	$10.50	$9.06	$6.20	—	—
Basic EPS, GAAP (USD)	$-0.50	$-3.49	$-0.48	$3.78	$3.60	$3.06	$2.31	$2.37	$2.70	$3.03	$-0.33	$3.27	$3.24	$3.39	$3.27	$3.72	$3.39	$0.69	$2.70	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.04	$0.20	$1.68	$2.04	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$19.58	$19.68	$34.77	$38.86	$45.45	$44.25	$43.09	$42.17	$41.74	$37.87	$36.72	$39.19	$39.04	$38.65	$38.18	$38.06	$37.17	$37.83	—	—
Tangible Book Value per Share (USD)	$18.66	$18.51	$32.17	$26.91	$29.80	$28.56	$27.51	$26.73	$26.77	$37.87	$21.65	$22.68	$22.46	$22.01	$21.47	$21.28	$20.30	$15.98	—	—
Basic Weighted Avg Shares (shares)	415.33M	330.71M	237.86M	161.19M	154.61M	154.19M	155.11M	162.41M	162.34M	161.70M	149.65M	146.98M	146.40M	145.89M	145.33M	144.57M	117.28M	111.54M	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$8.18B	$11.68B	$21.27B	$21.33B	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$8.14B	$8.17B	$8.37B	$8.82B	$7.04B	$6.84B	$6.71B	$6.66B	$6.80B	$6.12B	$5.93B	$5.78B	$5.74B	$5.66B	$5.57B	$5.53B	$5.37B	$4.22B	$4.18B	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Sales/Revenue/Turnover (USD)	$2.06B	$2.55B	$5.76B	$1.64B	$1.35B	$1.16B	$1.04B	$1.12B	$1.35B	$1.43B	$618.84M	$1.34B	$1.39B	$1.46B	$1.44B	$1.52B	$1.06B	$691.02M	$727.62M	—
Depreciation Expense (USD)	$148.00M	$184.00M	$39.00M	$18.00M	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Income, GAAP (USD)	$-177.00M	$-1.12B	$-79.00M	$650.00M	$596.00M	$511.00M	$395.04M	$422.42M	$466.20M	$495.40M	$-47.16M	$485.40M	$475.55M	$501.11M	$480.04M	$541.02M	$398.65M	$77.88M	$279.08M	—
Operating Cash Flow (USD)	$-181.00M	$86.00M	$263.00M	$1.03B	$290.00M	$334.00M	$509.75M	$540.36M	$1.33B	$755.65M	—	—	$1.38B	$576.02M	$830.21M	$-69.68M	$211.65M	$244.75M	$296.22M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Net Interest Margin (approx.) (%)	2.0%	2.1%	2.7%	1.5%	2.2%	2.0%	1.8%	2.0%	2.3%	—	0.8%	2.3%	2.5%	2.6%	2.9%	2.9%	2.1%	—	—	—
Efficiency Ratio (%) (%)	100.7%	111.2%	86.4%	41.6%	40.1%	44.0%	49.1%	48.7%	47.6%	45.5%	123.8%	43.8%	43.9%	42.1%	41.8%	38.0%	38.3%	91.1%	44.7%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 20 years · 74 quarters

FLAGSTAR BANK, NATIONAL ASSOCIATION

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