For the quarter ended September 2025, Flagstar Bank (FLG) reported revenue of $519 million, down 16.7% over the same period last year. EPS came in at -$0.07, compared to -$0.69 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $514.03 million, representing a surprise of +0.97%. The company delivered an EPS surprise of -16.67%, with the consensus EPS estimate being -$0.06.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Flagstar Bank performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net Interest Margin: 1.9% versus the six-analyst average estimate of 1.9%.
- Efficiency Ratio: 100.5% versus 92.7% estimated by five analysts on average.
- Book value per common share (GAAP): $18.30 versus $18.46 estimated by five analysts on average.
- Average Balances - Interest earning assets: $88.37 billion versus the four-analyst average estimate of $89.6 billion.
- Net charge-offs to average loans: 0.5% versus 0.6% estimated by four analysts on average.
- Leverage Capital Ratio: 9% versus 9% estimated by two analysts on average.
- Net Interest Income: $425 million compared to the $431.69 million average estimate based on six analysts.
- Total non-interest income (loss): $94 million versus $82.57 million estimated by six analysts on average.
- Fee income: $23 million versus $22.79 million estimated by four analysts on average.
- Bank-owned life insurance: $12 million versus the four-analyst average estimate of $9.81 million.
- Other non-interest (loss) income: $32 million compared to the $38.47 million average estimate based on three analysts.
- Net gain on loan sales and securitizations: $5 million compared to the $9.05 million average estimate based on two analysts.
View all Key Company Metrics for Flagstar Bank here>>>
Shares of Flagstar Bank have returned +0.1% over the past month versus the Zacks S&P 500 composite's +1.3% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Flagstar Financial, Inc. (FLG): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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