For the quarter ended March 2025, Flagstar Financial (FLG) reported revenue of $490 million, down 22.6% over the same period last year. EPS came in at -$0.23, compared to -$0.75 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $518.85 million, representing a surprise of -5.56%. The company delivered an EPS surprise of +11.54%, with the consensus EPS estimate being -$0.26.
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.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Flagstar Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net Interest Margin: 1.7% versus the five-analyst average estimate of 1.9%.
- Book value per common share (GAAP): $18.43 versus the five-analyst average estimate of $18.65.
- Average Balances-Interest earning assets: $95.62 billion compared to the $96.85 billion average estimate based on four analysts.
- Efficiency Ratio: 108.7% versus the four-analyst average estimate of 100%.
- Net charge-offs to average loans: 0.7% versus 0.7% estimated by three analysts on average.
- Total non-interest income (loss): $80 million compared to the $70.30 million average estimate based on five analysts.
- Net Interest Income: $410 million compared to the $446.35 million average estimate based on five analysts.
- Bank-owned life insurance: $10 million versus the four-analyst average estimate of $10.35 million.
- Fee income: $22 million compared to the $37.12 million average estimate based on four analysts.
- Other non-interest (loss) income: $31 million versus $22.17 million estimated by three analysts on average.
View all Key Company Metrics for Flagstar Financial here>>>
Shares of Flagstar Financial have returned -5.5% over the past month versus the Zacks S&P 500 composite's -4.8% 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.
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
Flagstar Financial, Inc. (FLG): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
Zacks Investment Research
