Flagstar Financial's earnings call highlighted significant achievements, particularly in their C&I growth strategy and expense reductions, which have improved credit quality and capital ratios. However, challenges remain, including reported net losses, reduced net interest income guidance, and a continued need to address criticized and classified loans. Overall, the positive developments slightly outweigh the negative aspects, indicating a cautiously optimistic outlook.

Company Guidance -

Q3 2025

During the Flagstar Financial Second Quarter 2025 Earnings Call, the company provided a comprehensive update on its financial performance and strategic initiatives. The call highlighted several key metrics, such as a 12.3% CET1 capital ratio, a $1.9 billion increase in C&I commitments, and a $1.2 billion growth in new loans. The company also reported significant progress in reducing operating expenses and improving credit quality, with criticized and classified assets declining by 9% and nonaccrual loans decreasing by 4%. Additionally, Flagstar achieved a record $1.5 billion in CRE par payoffs, which exceeded prior forecasts, and increased its net interest margin while reducing high-cost deposits and borrowings. The management team emphasized their ongoing strategy to transform Flagstar into a top-performing regional bank by focusing on C&I growth, diversifying the loan portfolio, and reducing nonaccrual and criticized loans. The company also announced plans to merge its holding company into the bank to streamline operations and reduce costs, ultimately aiming to enhance its corporate, legal, and regulatory structure.

C&I Growth Strategy Success

Flagstar Financial generated nearly $1.9 billion in commitments and $1.2 billion in new loans, resulting in significant momentum in their C&I growth strategy.

Improved Credit Quality

Criticized and classified assets declined by 9%, and nonaccrual loans decreased by 4%, indicating a positive trend in credit quality.

Reduction in Operating Expenses

Flagstar exceeded prior expense reduction estimates, contributing to an improved net interest margin.

CRE Exposure Reduction

The company achieved record par payoffs of almost $1.5 billion, significantly reducing their CRE exposure.

Improved Capital Ratios

CET1 capital ratio increased to 12.3%, ranking among the highest relative to peer groups.

Strong Second Quarter Performance

The adjusted pre-provision pretax net revenue was a positive $9 million, an improvement of $32 million from the previous quarter.

Margin Expansion

Net interest margin improved by 7 basis points quarter-over-quarter to 1.81%.

Reduction in High-Cost Deposits

Paid down over $2 billion of brokered deposits and let $2 billion of high-cost mortgage escrow-related deposits run off.

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

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FLG Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	-0.06 / -	-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 -0.06.

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