Financials Flagstar Bank, National Association

Equities

FLG

US6494454001

Banks

Real-time Estimate Cboe BZX Other stock markets 09:51:21 2025-12-16 am EST			5-day change	1st Jan Change
13.11 ^USD	+0.15%		+2.99%	+40.19%

Dec. 15	RBC Raises Price Target on Flagstar Bank to $14 From $13, Keeps Sector Perform Rating	MT
Dec. 09	Flagstar Private Bank and Wealth Management Announces Expansion of Its Wealth Capabilities	CI

Projected Income Statement: Flagstar Bank, National Association

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	1,160	1,350	1,643	5,783	2,552	2,029	2,525	3,074
Change	-	16.38%	21.7%	251.98%	-55.87%	-20.48%	24.4%	21.78%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	646	832	875	3,239	1	94.24	675.9	1,256
Change	-	28.79%	5.17%	270.17%	-99.97%	9,324.24%	617.17%	85.83%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	587.8	806	826	2,406	-1,341	-217.1	460.8	1,142
Change	-	37.12%	2.48%	191.28%	-155.74%	83.81%	312.26%	147.74%
Net income ¹	478.3	563	617	2,341	-1,125	-223.1	283	760.2
Change	-	17.71%	9.59%	279.42%	-148.06%	80.17%	226.85%	168.63%
Announcement Date	1/27/21	1/26/22	1/31/23	1/31/24	1/30/25	-	-	-

¹USD in Million

Estimates

Fiscal Period: December	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3	2026 Q4	2027 Q1	2027 Q2	2027 Q3
Net sales ¹	322.8	332.5	347	333	338	346	377	343	577	2,653	1,202	1,042	886	633	671	623	625	490	496	519	535	568.2	613.3	658.9	702.6	729.7	758.4	789.5
Change	-	3.01%	4.35%	-4.03%	1.5%	2.37%	8.96%	-9.02%	68.22%	359.79%	-54.69%	-13.31%	-14.97%	-28.56%	6%	-7.15%	0.32%	-21.6%	1.22%	4.64%	3.07%	6.22%	7.93%	7.44%	6.63%	3.85%	3.93%	4.1%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	189.4	199.7	218	204	210	212	243	211	209	263	509	421	191	98	-	-43	-53	-23	9	15	72.42	104.8	145.6	191.6	232.9	230.6	270.8	299
Change	-	5.43%	9.18%	-6.42%	2.94%	0.95%	14.62%	-13.17%	-0.95%	25.84%	93.54%	-17.29%	-54.63%	-48.69%	-	-	-23.26%	56.6%	139.13%	66.67%	382.8%	44.67%	38.98%	31.6%	21.52%	-0.99%	17.45%	10.42%
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	178.3	196.1	212	199	199	207	230	205	184	2,007	492	268	-361	-381	-424	-335	-201	-121	-81	-41	24.28	47.24	91.47	133.2	182	216.7	255	283.2
Change	-	9.95%	8.11%	-6.13%	0%	4.02%	11.11%	-10.87%	-10.24%	990.76%	-75.49%	-45.53%	-234.7%	-5.54%	-11.29%	20.99%	40%	39.8%	33.06%	49.38%	159.23%	94.53%	93.63%	45.66%	36.58%	19.1%	17.67%	11.05%
Net income ¹	181.5	137.4	144	140	142	147	163	144	164	1,998	405	199	-260	-335	-333	-289	-168	-108	-78	-45	8.226	22.53	55.19	84.03	116	141.1	165.7	185.7
Change	-	-24.29%	4.81%	-2.78%	1.43%	3.52%	10.88%	-11.66%	13.89%	1,118.29%	-79.73%	-50.86%	-230.65%	-28.85%	0.6%	13.21%	41.87%	35.71%	27.78%	42.31%	118.28%	173.91%	144.92%	52.26%	37.99%	21.72%	17.42%	12.07%
Announcement Date	1/27/21	4/26/21	7/28/21	10/27/21	1/26/22	4/27/22	7/27/22	10/26/22	1/31/23	4/28/23	7/27/23	10/26/23	1/31/24	5/1/24	7/25/24	10/25/24	1/30/25	4/25/25	7/25/25	10/24/25	-	-	-	-	-	-	-	-

¹USD in Million

Estimates

Forecast Balance Sheet: Flagstar Bank, National Association

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	1/27/21	1/26/22	1/31/23	1/31/24	1/30/25	-	-	-

Estimates

Cash Flow Forecast: Flagstar Bank, National Association

Fiscal Period: December	2021	2022	2023	2024
CAPEX ¹	4	3	66	36
Change	-	-25%	2,100%	-45.45%
Free Cash Flow (FCF) ¹	-	-	-	-
Change	-	-	-	-
Announcement Date	2/25/22	3/1/23	3/14/24	3/4/25

¹USD in Million

Estimates

Forecast Financial Ratios: Flagstar Bank, National Association

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	55.69%	61.63%	53.26%	56.01%	0.04%	4.64%	26.77%	40.85%
EBT Margin (%)	-	50.67%	59.7%	50.27%	41.6%	-52.55%	-10.7%	18.25%	37.13%
Net margin (%)	-	41.23%	41.7%	37.55%	40.48%	-44.08%	-10.99%	11.21%	24.73%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	0.94%	1.04%	1.01%	2.15%	-0.94%	-0.19%	0.32%	0.79%
ROE	-	7.71%	8.75%	9.38%	23.21%	-14.03%	-2.51%	3.71%	9.44%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	2.04	2.04	2.04	1.68	0.2	0.04	0.04	0.04
Change	-	-	0%	0%	-17.65%	-88.1%	-80%	0%	0%
Book Value Per Share ¹	-	40.98	42.21	36.63	42.84	18.54	17	17.53	19.42
Change	-	-	3%	-13.22%	16.95%	-56.72%	-8.29%	3.08%	10.8%
EPS ¹	-	3.06	3.6	3.78	9.72	-3.4	-0.5305	0.6122	1.651
Change	-	-	17.65%	5%	157.14%	-134.98%	84.4%	215.39%	169.76%
Nbr of stocks (in thousands)	-	154,635	155,007	227,045	240,829	415,115	415,756	415,756	415,756
Announcement Date	-	1/27/21	1/26/22	1/31/23	1/31/24	1/30/25	-	-	-