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Flagstar Financial (FLG) investor relations material
Flagstar Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Adjusted net loss narrowed to $0.07 per diluted share, a 50% improvement quarter-over-quarter, with pre-provision net revenue trending higher and on a path to profitability.
C&I business had a breakout quarter, originating $1.7 billion in new loans and achieving $448 million net loan growth; C&I pipeline commitments up 51% sequentially.
CRE and multifamily portfolios declined 4-5% sequentially, with $1.3 billion in payoffs (42% substandard), reducing concentration and risk.
Operating expenses declined 30% year-over-year, down $800 million on an annualized basis, with continued focus on cost optimization and technology consolidation.
Completed holding company reorganization, merging Flagstar Financial, Inc. into Flagstar Bank N.A., reducing regulatory burden and operating expenses.
Financial highlights
Net loss attributable to common stockholders was $0.11 per diluted share, with adjusted net loss at $0.07 per diluted share after excluding notable items.
Net interest income for Q3 2025 was $425 million; net interest margin rose to 1.91%, up 10 bps from Q2 2025.
Adjusted operating expenses fell 30% year-over-year to $457 million, reflecting $800 million in annualized reductions.
Provision for loan losses decreased 41% and net charge-offs declined 38% quarter-over-quarter.
CET1 capital ratio ended the quarter at 12.45%, among the highest for regional peers.
Outlook and guidance
Full-year 2025 adjusted diluted EPS forecasted at -$0.36 to -$0.41 per share; 2026 and 2027 guidance unchanged.
Net interest margin expected to rise from 1.85–1.95% in 2025 to 2.80–2.90% in 2027.
Balance sheet expected to bottom at $90–$91 billion in Q4 2025, with growth resuming in 2026 and reaching $108–$109 billion by end of 2027.
C&I loan originations projected at $1.7–$2.2 billion per quarter, with further acceleration possible as new hires ramp up.
Profitability expected in Q4 2025, with continued improvement in subsequent quarters.
Outlook for C&I loan growth?
What is the specific risk in multi-family loans?
Strategy for continued NIM expansion
C&I growth risk management process?
Path to 1/3 CRE loan portfolio mix?
Key drivers for future expense reduction?
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Next Flagstar Financial earnings date
Q4 202529 Jan, 2026
Next Flagstar Financial earnings date
Q4 202529 Jan, 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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