The earnings call highlights significant progress in C&I growth, improved credit quality, and strategic cost reductions. However, challenges remain with loan payoffs affecting short-term earnings and ongoing issues with nonaccrual loans. Overall, the positive aspects are more prominent, indicating a forward-looking growth trajectory.

Company Guidance -

Q3 2025

During the Flagstar Financial Second Quarter 2025 Earnings Conference Call, the company provided guidance on its strategic initiatives and financial metrics. CEO Joseph Otting highlighted the company's strong performance, underscoring significant achievements such as generating $1.9 billion in commitments and $1.2 billion in new loans, which were part of their C&I growth strategy. Operating expenses were further reduced, surpassing previous estimates, while credit quality improved with a 9% decline in criticized and classified assets and a 4% decline in nonaccrual loans. The company achieved record par payoffs of $1.5 billion in its CRE portfolio, leading to a reduction in CRE exposure. The net interest margin grew, and high-cost deposits and borrowings were reduced, resulting in a CET1 capital ratio increase to 12.3%. Looking forward, the company aims to continue growing its C&I portfolio, diversifying the loan portfolio, and reducing nonaccrual loans and operating expenses. Additionally, Flagstar announced plans to merge its holding company into the bank to streamline operations and reduce costs by approximately $15 million annually.

C&I Growth Strategy Success

Flagstar Financial generated $1.9 billion in commitments and $1.2 billion in new loans, with plans to further expand this segment.

Improved Credit Quality

Criticized and classified assets declined by 9%, and nonaccrual loans decreased by 4%.

CRE Par Payoffs

Achieved record par payoffs of almost $1.5 billion, significantly exceeding initial forecasts.

Net Interest Margin and Capital Ratio

Net interest margin grew, and CET1 capital ratio increased to 12.3%.

Cost Reduction and Efficiency

Operating expenses reduced significantly, with over $700 million taken out year-over-year.

Strategic Merger Plan

Plan to merge holding company into the bank to streamline operations and reduce costs by $15 million annually.

Flagstar Financial (FLG) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

FLG Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	-0.03 / -	-0.79	―	―	―
Jul 25, 2025	2025 (Q2)	-0.14 / -0.19	-1.14	83.33% (+0.95)
Apr 25, 2025	2025 (Q1)	-0.28 / -0.26	-1.35	80.74% (+1.09)
Jan 30, 2025	2024 (Q4)	-0.55 / -0.41	-1.08	62.04% (+0.67)
Oct 25, 2024	2024 (Q3)	-0.43 / -0.79	0.81	-197.53% (-1.60)
Jul 25, 2024	2024 (Q2)	-0.43 / -1.14	1.65	-169.09% (-2.79)
May 01, 2024	2024 (Q1)	-0.79 / -1.35	8.61	-115.68% (-9.96)
Jan 31, 2024	2023 (Q4)	0.80 / -1.08	0.9	-220.00% (-1.98)
Oct 26, 2023	2023 (Q3)	0.99 / 0.81	0.9	-10.00% (-0.09)
Jul 27, 2023	2023 (Q2)	0.87 / 1.65	1.02	61.76% (+0.63)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

FLG Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 25, 2025	$12.05	$11.39	-5.48%
Apr 25, 2025	$11.26	$11.72	+4.09%
Jan 30, 2025	$9.58	$11.04	+15.24%
Oct 25, 2024	$11.47	$10.52	-8.28%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Flagstar Financial (FLG) report earnings?

Flagstar Financial (FLG) is schdueled to report earning on Oct 22, 2025, Before Open (Confirmed).

What is Flagstar Financial (FLG) earnings time?

Flagstar Financial (FLG) earnings time is at Oct 22, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is FLG EPS forecast?

FLG EPS forecast for the fiscal quarter 2025 (Q3) is -0.03.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing