Financials Flagstar Bank, National Association

Equities

FLG

US6494454001

Banks

Market Closed - Nyse Other stock markets 04:00:02 2026-01-13 pm EST			5-day change	1st Jan Change
12.81 ^USD	+0.31%		+4.23%	+1.75%

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	2,026	2,508	3,057
Change	-	16.38%	21.7%	251.98%	-55.87%	-20.59%	23.74%	21.93%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	646	832	875	3,239	1	91.05	658.1	1,247
Change	-	28.79%	5.17%	270.17%	-99.97%	9,004.52%	622.78%	89.45%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	587.8	806	826	2,406	-1,341	-221	452.9	1,123
Change	-	37.12%	2.48%	191.28%	-155.74%	83.52%	304.94%	147.88%
Net income ¹	478.3	563	617	2,341	-1,125	-224.2	275.6	747.8
Change	-	17.71%	9.59%	279.42%	-148.06%	80.07%	222.89%	171.37%
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	531.5	565.5	608.7	653.1	696.1	719.4	755.1	792.3
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%	2.4%	6.4%	7.65%	7.29%	6.58%	3.35%	4.96%	4.92%
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	68.93	103.2	142.8	185.3	223.7	210.4	242.9	268.4
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%	359.51%	49.78%	38.3%	29.78%	20.72%	-5.93%	15.44%	10.51%
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	22	44.19	89.36	130.3	177.2	214.8	252.1	283.1
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%	153.67%	100.82%	102.23%	45.77%	36.01%	21.23%	17.35%	12.33%
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	6.897	21.23	52.94	82.27	112.9	142.2	164.6	186.7
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%	115.33%	207.77%	149.4%	55.41%	37.28%	25.95%	15.73%	13.41%
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%	4.49%	26.24%	40.78%
EBT Margin (%)	-	50.67%	59.7%	50.27%	41.6%	-52.55%	-10.91%	18.06%	36.72%
Net margin (%)	-	41.23%	41.7%	37.55%	40.48%	-44.08%	-11.06%	10.99%	24.46%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	0.94%	1.04%	1.01%	2.15%	-0.94%	-0.2%	0.31%	0.78%
ROE	-	7.71%	8.75%	9.38%	23.21%	-14.03%	-2.53%	3.61%	9.22%
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	16.99	17.5	19.48
Change	-	-	3%	-13.22%	16.95%	-56.72%	-8.34%	2.99%	11.32%
EPS ¹	-	3.06	3.6	3.78	9.72	-3.4	-0.5277	0.5947	1.632
Change	-	-	17.65%	5%	157.14%	-134.98%	84.48%	212.69%	174.4%
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	-	-	-