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Sep 30, 2025
Flagstar Financial Q3 2025 Earnings Report
Flagstar reported a Q3 2025 net loss of $45 million, showing continued improvement compared to prior quarters.
Key Takeaways
Flagstar Bank narrowed its net and adjusted losses in Q3 2025 amid rising net interest margin, improved loan quality, and reduced operating expenses. The company remains focused on strategic growth in C&I lending and efficiency gains.
Net loss attributable to common stockholders was $45 million or $0.11 per share
Adjusted net loss improved to $31 million or $0.07 per share
Net interest margin rose to 1.91%, marking the third consecutive quarterly increase
C&I loan originations rose 41% QoQ, with new commitments up 26%
Revenue by Geographic Location
Forward Guidance
Flagstar expects continued progress toward profitability as margin trends improve, C&I growth accelerates, and operating efficiencies increase.
Positive Outlook
- Net interest margin rose for third straight quarter
- C&I loan growth driven by specialized sectors
- Adjusted operating expenses down 30% YoY
- Criticized and classified loans down $2.8B YTD
- Provision for credit losses fell 41% QoQ
Challenges Ahead
- Still reporting net and adjusted net losses
- Non-performing loans at 5.17% of total loans
- CRE and multi-family exposures still elevated
- Net charge-offs totaled $73 million in Q3
- Efficiency ratio remains above 100%
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
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