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Flagstar Financial Inc
Flagstar Financial Inc is a US-based company operating in Banks industry. The company is headquartered in Hicksville, New York and currently employs 8,766 full-time employees. Flagstar Financial, Inc. is the parent company of Flagstar Bank, N.A. (the Bank), one of the regional banks in the country. Flagstar Bank, N.A. operates over 400 branches, including a significant presence in the Northeast and Midwest and locations in high growth markets in the Southeast and West Coast. In addition, the Bank has approximately 90 private banking teams located in over 10 cities in the metropolitan New York City region and on the West Coast, which serve the needs of high-net worth individuals and their businesses.
Flagstar Financial Inc is a US-based company operating in Banks industry. The company is headquartered in Hicksville, New York and currently employs 8,766 full-time employees. Flagstar Financial, Inc. is the parent company of Flagstar Bank, N.A. (the Bank), one of the regional banks in the country. Flagstar Bank, N.A. operates over 400 branches, including a significant presence in the Northeast and Midwest and locations in high growth markets in the Southeast and West Coast. In addition, the Bank has approximately 90 private banking teams located in over 10 cities in the metropolitan New York City region and on the West Coast, which serve the needs of high-net worth individuals and their businesses.
Improving Earnings: Flagstar's adjusted net loss narrowed significantly to $0.07 per share, a 50% sequential improvement and in line with consensus.
Loan Growth: C&I originations hit $1.7 billion, driving net C&I loan growth of $448 million – the first positive growth since early last year.
Margin Expansion: Net interest margin increased for the third straight quarter, up 10 basis points to 1.91%, with further improvement expected.
Cost Cuts: Noninterest expenses are down 30% year-over-year, cutting costs by $800 million on an annualized basis.
Credit Quality: Criticized and classified assets fell by $600 million quarter-over-quarter and $2.8 billion year-to-date. Net charge-offs and provision for loan losses dropped 38% and 41%, respectively.
Capital Strength: CET1 ratio rose to 12.45%, among the highest for regional banks.
Guidance: Adjusted EPS guidance for 2025 is set at minus $0.36 to minus $0.41 per share, with 2026 and 2027 guidance unchanged.
Deposit & Balance Sheet: Paid down another $2 billion of brokered deposits, and expects asset and loan growth to resume in 2026.
