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Flagstar Bank, N.A.

FLG Finance Banks
$10.38
▼ -6.2% Today
as of Oct 23, 16:48 ET
Last 30 days -20.28% Sep 14 → Oct 23
$10.17 $10.93 $11.70 $12.47 $13.23 Sep 14 Sep 22 Sep 30 Oct 07 Oct 15 Oct 23
Open
$10.55
High
$11.04
Low
$10.29
Volume
$24M
Avg Vol
$5M
Mkt Cap
$4.7B
P/E (TTM)
—
Beta
—
52w High
$15.44
52w Low
$10.29
Div Yield
—
Shares Out
$417M

Recent Press Releases & News last 60 days · 19 items

Oct 23 · 16:06 MarketBeat
What Flagstar Bank, National Association (FLG) Said on Its Q3 Earnings Call
Oct 23 · 13:36 MT Newswires
Update: Flagstar Bank Shares Fall After Q3 Results Miss Estimates
Oct 23 · 12:30 Zacks
Flagstar Bank (FLG) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates
▸ Show all 19 press releases & news Free account →

FLG earnings at a glance

The options market is pricing a move of about ±5.1% after the report, a range of roughly $9.85 to $10.91 from today's $10.38. Over its last 6 reports the stock rose the next day 2 times and fell 4, moving ±4.1% on average; after the most recent report on Jul 24, 2026 it moved -5.8%. That means options currently expect more movement than FLG has typically delivered. FLG beat the consensus EPS estimate in 3 of its last 6 reported quarters. Implied volatility is currently 43%. The share price of $10.38 sits near its 52-week low.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$10
$15
2% of range
Avg surprise (last 6)
+32.5%
Avg reaction (last 6)
-1.2%
33% positive
Latest IV / EM
43%
EM ±5.1% · $11 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$-1.14$-0.14$0.86$1.87$2.87 Actual $2.87Actual $1.66Actual $0.81Actual $-0.45Actual $-1.14Actual $-0.79Actual $-0.23Est $-0.26Actual $-0.14Est $-0.12Actual $-0.07Est $-0.06Actual $0.06Est $0.02Actual $0.04Est $0.03Actual $0.05Est $0.06 MarJunSepMarJunSepMar/2025Jun/2025Sep/20258K8KJun/2026
Revenue vs Net Income Revenue Net income
$-280M$-201M$-122M$-43M$36M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Fri Jul 24, 2026Jun/2026 $0.05 $0.06 -16.7% +142.9% -5.8% earnings
Fri Apr 24, 20268K 2026-04-24 $0.04 $0.03 +33.3% — -2.2% earnings
Fri Jan 30, 20268K 2026-01-30 $0.06 $0.02 +200.0% — -2.4% earnings
Fri Oct 24, 2025Sep/2025 $-0.07 $-0.06 -16.7% — +4.8% earnings
Fri Jul 25, 2025Jun/2025 $-0.14 $-0.12 -16.7% — -5.5% earnings
Fri Apr 25, 2025Mar/2025 $-0.23 $-0.26 +11.5% — +4.1% earnings
Mon Sep 30, 2024Sep 2024 $-0.79 — — — — financials
Sun Jun 30, 2024Jun 2024 $-1.14 — — — — financials
Sun Mar 31, 2024Mar 2024 $-0.45 — — — — financials
Sat Sep 30, 2023Sep 2023 $0.81 — — — — financials
Fri Jun 30, 2023Jun 2023 $1.66 — — — — financials
Fri Mar 31, 2023Mar 2023 $2.87 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue————————
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$34M$21M—$-36M$-70M$-100M—$-280M
EPS (diluted)$0.06$0.03—$-0.11$-0.19$-0.26—$-0.79

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents———$8.48B$8.09B—$15.43B$23.08B
Inventory————————
Total current assets————————
Total assets$87.71B$87.13B$87.51B$91.67B$92.24B—$100.16B$114.37B
Long-term debt$6.69B$7.68B$8.18B$13.18B$13.18B—$14.43B$20.33B
Total liabilities$79.57B$79.01B$79.37B$83.56B$84.14B—$91.99B$105.80B
Total equity$8.14B$8.12B$8.14B$8.11B$8.10B$8.15B$8.17B$8.57B

Implied volatility — last 90 days

19%59%98%138%177% Jun 07 — IV 35% · EM ±4.8%Jun 08 — IV 31% · EM ±4.1%Jun 09 — IV 34% · EM ±4.2%Jun 10 — IV 48% · EM ±5.7%Jun 11 — IV 72% · EM ±7.9%Jun 12 — IV 20% · EM ±2.0%Jun 15 — IV 32% · EM ±2.3%Jun 16 — IV 37% · EM ±2.2%Jun 17 — IV 131% · EM ±5.5%Jun 19 — IV 29% · EM ±6.3%Jun 22 — IV 29% · EM ±6.0%Jun 23 — IV 27% · EM ±5.5%Jun 24 — IV 26% · EM ±5.3%Jun 25 — IV 27% · EM ±5.3%Jun 26 — IV 27% · EM ±5.2%Jun 29 — IV 25% · EM ±4.5%Jun 30 — IV 27% · EM ±4.6%Jul 01 — IV 26% · EM ±4.3%Jul 02 — IV 32% · EM ±5.1%Jul 03 — IV 33% · EM ±5.1%Jul 06 — IV 30% · EM ±4.2%Jul 07 — IV 27% · EM ±3.6%Jul 08 — IV 36% · EM ±4.5%Jul 09 — IV 27% · EM ±3.2%Jul 10 — IV 22% · EM ±2.5%Jul 13 — IV 32% · EM ±2.7%Jul 14 — IV 28% · EM ±2.0%Jul 15 — IV 34% · EM ±2.0%Jul 16 — IV 116% · EM ±4.9%Jul 20 — IV 34% · EM ±8.1%Jul 21 — IV 33% · EM ±7.8%Jul 22 — IV 36% · EM ±8.2%Jul 23 — IV 37% · EM ±8.3%Jul 24 — IV 28% · EM ±6.2%Jul 27 — IV 30% · EM ±6.4%Jul 28 — IV 29% · EM ±5.9%Jul 29 — IV 28% · EM ±5.7%Jul 30 — IV 29% · EM ±5.6%Jul 31 — IV 28% · EM ±5.3%Aug 03 — IV 30% · EM ±5.3%Aug 04 — IV 29% · EM ±4.9%Aug 05 — IV 32% · EM ±5.4%Aug 06 — IV 28% · EM ±4.5%Aug 07 — IV 29% · EM ±4.5%Aug 10 — IV 28% · EM ±3.9%Aug 11 — IV 27% · EM ±3.5%Aug 12 — IV 28% · EM ±3.5%Aug 13 — IV 31% · EM ±3.7%Aug 14 — IV 30% · EM ±3.3%Aug 17 — IV 34% · EM ±2.9%Aug 18 — IV 40% · EM ±2.9%Aug 19 — IV 87% · EM ±5.1%Aug 20 — IV 178% · EM ±7.4%Aug 24 — IV 29% · EM ±6.1%Aug 25 — IV 29% · EM ±6.0%Aug 26 — IV 26% · EM ±5.1%Aug 27 — IV 28% · EM ±5.6%Aug 28 — IV 28% · EM ±5.4%Aug 31 — IV 25% · EM ±4.5%Sep 01 — IV 27% · EM ±4.6%Sep 02 — IV 31% · EM ±5.2%Sep 03 — IV 32% · EM ±5.2%Sep 04 — IV 45% · EM ±7.0%Sep 07 — IV 51% · EM ±7.0%Sep 08 — IV 41% · EM ±5.4%Sep 09 — IV 29% · EM ±3.6%Sep 10 — IV 30% · EM ±3.6%Sep 11 — IV 26% · EM ±2.8%Sep 14 — IV 28% · EM ±2.3%Sep 15 — IV 48% · EM ±3.5%Sep 16 — IV 121% · EM ±7.2%Sep 17 — IV 123% · EM ±5.1%Sep 21 — IV 26% · EM ±5.4%Sep 22 — IV 28% · EM ±5.8%Sep 23 — IV 28% · EM ±5.7%Sep 24 — IV 31% · EM ±6.1%Sep 25 — IV 32% · EM ±6.1%Sep 28 — IV 27% · EM ±4.8%Sep 29 — IV 29% · EM ±5.1%Sep 30 — IV 29% · EM ±4.9%Oct 01 — IV 33% · EM ±5.3%Oct 02 — IV 31% · EM ±4.9%Oct 06 — IV 39% · EM ±5.2%Oct 07 — IV 41% · EM ±5.1%Oct 08 — IV 43% · EM ±5.1%

Sector peers

BBT
Beacon Financial Corporation
$2.3B $30.07+7.4%
HFWA
Heritage Financial Corporation
$1.1B $29.15+5.3%
NBBK
NB Bancorp, Inc.
$976M $23.03+2.9%
SMBC
Southern Missouri Bancorp, Inc.
$781M $71.90+2.0%
TCBX
Third Coast Bancshares, Inc.
$687M $39.80-2.4%
HIFS
Hingham Institution for Savings
$614M $302.79+3.3%

FLG earnings FAQ

What is FLG's expected move for earnings?

Options currently price a move of about ±5.1%, or $0.53 per share either way from $10.38.

How does FLG stock usually react to earnings?

Across the last 6 reports the average next-day move was ±4.1%, up 2 times and down 4 times.

What is FLG's implied volatility?

FLG's at-the-money implied volatility is about 43% based on the latest options snapshot.

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