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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Flagstar Bank
Flagstar Bank (FLG) investor relations material
Flagstar Bank Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary23 Oct, 2026
Executive summary
Q3 net income was $12 million; income attributable to common stockholders was $3 million, or $0.01 per diluted share. Core trends improved QoQ, with NII, NIM and adjusted PPNR rising.
C&I loans grew $2.0 billion QoQ as CRE and multifamily balances declined; net charge-offs were $74 million, down $26 million QoQ.
Higher-for-longer rates, credit pressures and deposit competition shifted long-term financial objectives from 2027 to 2028 without changing strategic priorities.
Financial highlights
Q3 revenue was $530 million, including $460 million of NII and $70 million of noninterest income; NII rose 5% QoQ and 8% YoY.
NIM increased 4 bps QoQ to 2.17%; adjusted PPNR rose 6% QoQ to $66 million, excluding the prior-quarter Figure investment impact.
Provision for credit losses was $76 million, versus $18 million in Q2; net charge-offs were $74 million, or 0.49% of average loans, down $26 million QoQ.
Operating expenses were $441 million, up 3% QoQ and down 8% YoY; FY26 expenses are expected to decline ~$165 million, or ~9%, from FY25.
Nine-month net income was $67 million versus a $206 million net loss in 9M 2025; Q3 included a $22 million benefit from settling the 2019–2021 federal tax audit.
Outlook and guidance
Long-term financial objectives and peer-like profitability targets moved from 2027 to 2028, reflecting higher-for-longer rates and credit costs.
Adjusted diluted EPS guidance is $0.10–$0.15 for FY26, $0.85–$0.95 for FY27 and $1.60–$1.70 for FY28; NII guidance is $1.815B–$1.830B, $2.2B–$2.3B and $2.6B–$2.7B, respectively.
NIM guidance is 2.15%–2.20% for FY26, 2.50%–2.60% for FY27 and 2.85%–2.95% for FY28; adjusted PPNR guidance rises from $250M–$275M to $800M–$900M and $1.225B–$1.325B, respectively.
Average balance-sheet growth is forecast at ~$1 billion per quarter in 2027 and 2028, supported by ~$2 billion of quarterly net new loans; forecast deposit inflows are $800 million–$1 billion per quarter.
Q4 NIM is expected at 2.20%–2.25%; non-accrual loans are projected at ~$2.6 billion at 2026 year-end and ~$2 billion through 2027.
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Latest events from Flagstar Bank
- Earnings rose as deposits and loans grew, while asset quality held and SIFI-threshold management constrained growth.FLG
Q4 2014 - Debt-cost reset and Astoria deal framed recovery from a $47.2M reported loss.FLGQ4 2015
- Debt-repositioning benefits lifted earnings as loan sales kept assets below the $50B SIFI line.FLGQ4 2016
- Sale gains supported earnings as Q4 balance-sheet growth resumed amid margin pressure.FLGQ4 2017
- Balance-sheet growth resumed, but rising funding costs weighed on earnings.FLGQ4 2018
- Loan growth and a Q4 margin rebound faced new pandemic and rent-law risks.FLGQ4 2019
- Earnings and NIM grew as loan growth offset pandemic-era credit uncertainty.FLGQ4 2020
- Strong earnings and loan growth met rising-rate and merger uncertainties.FLGQ4 2021
- Record earnings and acquisition-led expansion met rising-rate and mortgage-market headwinds.FLGQ4 2022
Next Flagstar Bank earnings date
Q4 202629 Jan, 2027
Flagstar Bank
Next Flagstar Bank earnings date
Q4 202629 Jan, 2027
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Frequently asked questions
New York Community Bancorp Inc is a bank holding company providing a range of financial products and services through its subsidiary banks. It offers multifamily and commercial real estate loans, consumer banking services, and deposit products. The company operates branches primarily in the northeastern United States. It is headquartered in Hicksville, New York, and its shares are listed on the NYSE.