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Flagstar Financial (FLG)
NYSE:FLG
Earnings Data
Report Date
Feb 04, 2026Before Open (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.03Last Year’s EPS
-0.41Same Quarter Last Year
Moderate Buy
Based on 12 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The earnings call reflects a company on the mend, with significant improvements in key metrics and strategic growth in C&I lending. However, the continued net loss and challenges in the CRE and multi-family portfolios indicate ongoing hurdles. The sentiment is cautiously optimistic, with a focus on strategic execution and cost management.Company Guidance
Significant Improvement in Earnings
Adjusted net loss narrowed substantially to $0.07 per diluted share from the second quarter, showing a trend towards profitability driven by margin expansion and cost reductions.
C&I Loan Growth and Strategic Focus
A breakout quarter for C&I lending with $1.7 billion in new loan originations and overall net loan growth of $448 million. The strategy focuses on specialized industries and corporate/regional commercial banking, with a consistent upward trend in pipeline growth.
Net Interest Margin Expansion
Net interest margin expanded for the third consecutive quarter, up 10 basis points to 1.91%, driven by lower funding costs and loan portfolio adjustments.
Cost Control and Expense Reduction
Operating expenses decreased by $800 million on an annualized basis year-over-year, demonstrating effective cost management.
Reduction in Criticized and Classified Assets
Criticized and classified assets declined by $600 million or 5% on a linked quarter basis and $2.8 billion or 20% year-to-date.
FLG Earnings History
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 |
|---|---|---|---|
Oct 24, 2025 | $11.56 | $12.11 | +4.76% |
Jul 25, 2025 | $12.04 | $11.38 | -5.48% |
Apr 25, 2025 | $11.25 | $11.71 | +4.09% |
Jan 30, 2025 | $9.58 | $11.03 | +15.14% |
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 Feb 04, 2026, Before Open (Confirmed).
What is Flagstar Financial (FLG) earnings time?
Flagstar Financial (FLG) earnings time is at Feb 04, 2026, 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 (Q4) is 0.03.