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Flagstar Financial
Flagstar Financial (FLG) investor relations material
Flagstar Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Jan, 2026
Executive summary
Returned to profitability in Q4 2025 with adjusted net income of $30 million ($0.06 per diluted share), reversing prior losses and reflecting strategic transformation, disciplined expense management, and C&I lending focus.
Achieved positive operating leverage, improved capital ratios, and reduced annual operating expenses by $700 million year-over-year.
Strategic transformation emphasized C&I and private bank growth, proactive CRE management, and credit quality.
Financial highlights
Q4 2025 net interest income was $467 million, with NIM up 23 bps quarter-over-quarter to 2.14% (excluding one-time hedge gain, NIM was 2.05%).
Adjusted pre-provision net revenue for Q4 2025 was $60 million, up from $15 million in Q3.
Core operating expenses declined by approximately $700 million year-over-year.
CET1 capital ratio rose to 12.83%, with over $1.4 billion in excess capital above target.
Net charge-offs to average loans: 0.30% in Q4, down 16 bps from prior quarter.
Outlook and guidance
2026 EPS forecasted at $0.65–$0.70; 2027 EPS at $1.90–$2.00.
Net interest income guidance for 2026: $2.15–$2.2 billion; net income: $300–$350 million.
NIM expected to expand to 2.40–2.60% in 2026, with further improvement in 2027.
Efficiency ratio targeted at 65–70% for 2026, improving to below 50% in 2027.
Year-end 2027 assets projected at ~$103 billion.
How will C&I loan growth be sustained in 2026?
Can the decline in cost of funds continue in 2026?
Update on multi-family non-accrual loan sale
Partial view of Summaries dataset, powered by Quartr API
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Next Flagstar Financial earnings date
Q1 202624 Apr, 2026
Flagstar Financial
Next Flagstar Financial earnings date
Q1 202624 Apr, 2026
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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.
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