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Dec 31, 2025
Flagstar Financial Q4 2025 Earnings Report
Returned to profitability in the fourth quarter with positive earnings and margin expansion.
Key Takeaways
Flagstar Bank returned to profitability in Q4 2025, delivering positive net income attributable to common stockholders, expanding net interest margin, and showing improved credit quality alongside disciplined expense management.
Returned to profitability with positive net income attributable to common stockholders
Net interest margin expanded meaningfully quarter over quarter
Credit quality improved with lower non-accrual loans and charge-offs
Operating expenses declined compared to the prior quarter
Revenue by Geographic Location
Forward Guidance
Management expects continued momentum into 2026 driven by operating leverage, balance sheet optimization, and sustained credit improvement.
Positive Outlook
- Expectation of continued positive operating leverage
- Ongoing expansion in C&I lending platform
- Further benefit from lower funding costs
- Continued disciplined expense management
- Improving credit trends and asset quality
Challenges Ahead
- Macroeconomic uncertainty impacting loan demand
- Interest rate volatility affecting margins
- Residual risks in commercial real estate portfolio
- Regulatory and compliance cost pressures
- Execution risk in balance sheet repositioning
Historical Earnings Impact
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Avg. Return Before/After Earnings
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