Filing Flows › Financials › Flagstar Bank, National Association (FLG)
Flagstar Bank, National Association (FLG) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Flagstar Bank, National Association (FLG) Q3 2026 earnings results →
Q3 2026 Revenue up 2% year over year to $530M · 2¢ of every $1 of revenue kept as net profit · operating margin -1.9%
Flagstar Bank, National Association made $530M in Q3 2026 (+2% Y/Y): Net interest income $460M, Noninterest income $70.0M. Operating margin -1.9%, net earnings $12.0M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $530.0M in Q3 2026, up 2% year over year and up 3% from the previous quarter. Net interest income was the largest line at 87% of revenue. Net interest income added $35.0M year over year (up 8%), 318% of the total change. Noninterest income declined 26%.
Operating costs exceeded revenue by $10.0M, an operating margin of -1.9%. Total costs fell 4% while revenue rose 2%. The fastest-growing cost line was Credit loss provision (+100%). Net earnings were $12.0M.
Operating cash flow was −$5.0M. Non-cash charges added back $32.0M of depreciation and amortization and $19.0M of share-based compensation. Working capital and other items used $68.0M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $530M | +2% | -1.9% | $12.0M | −$5.0M |
| Q2 2026 | 10-Q | Aug 6, 2026 | $516M | +4% | 9.3% | $34.0M | $226M |
| Q1 2026 | 10-Q | May 7, 2026 | $498M | +2% | 6.4% | $21.0M | −$118M |
| Q4 2025 | 10-K | Feb 27, 2026 | $557M | -11% | 8.1% | $29.0M | −$189M |
| Q3 2025 | 10-Q | Nov 6, 2025 | $519M | -17% | -7.9% | −$36.0M | $243M |
| Q2 2025 | 10-Q | Aug 7, 2025 | $496M | -26% | -16.3% | −$70.0M | $355M |
| Q1 2025 | 10-Q | May 9, 2025 | $490M | -23% | -24.7% | −$100M | −$590M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Flagstar Bank, National Association
Flagstar Bank, National Association, is a national banking association. Throughout this report we refer to Flagstar Bank, National Association and its consolidated subsidiaries in a simplified and collective manner, using words like "we," "our," "us" and "the Bank." The Bank is headquartered in Hicksville, New York with regional headquarters in Troy, Michigan. We are subject to regulation and oversight by the OCC. We currently operate approximately 340 locations across 9 states, with strong footholds in the greater New York/New Jersey metropolitan region and in the upper Midwest, along with a significant presence in fast-growing markets in Florida and on the West Coast.
In its own words, from its 10-Q, filed Aug 6, 2026.
Flagstar Bank, National Association against its Savings Institutions, Not Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +2% against the peers' median +8%. Operating margin: -1.9% against the peers' median 36.1%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| FLG Flagstar Bank, National Association | Q3 2026 | $530M | +2% | -1.9% |
| BBT Beacon Financial | Q2 2025 | $114M | +5% | 36.5% |
| HFWA Heritage Financial | Q3 2026 | $86.5M | +32% | 25.8% |
| NBBK NB Bancorp | Q3 2026 | $76.5M | +48% | 37.9% |
| TCBX Third Coast Bancshares | Q3 2026 | $65.9M | +21% | 36.1% |
| SMBC Southern Missouri Bancorp | Q1 FY27 | $53.1M | +8% | 44.4% |
| HBCP Home Bancorp | Q3 2026 | $40.1M | +6% | 31.8% |
| NARA Narragansett Bancorp | Q2 2026 | $35.3M | +6% | 11.2% |
| AVBC Avidia Bancorp | Q3 2026 | $31.2M | +11% | 37.1% |
Source: Flagstar Bank, National Association 10-Q on SEC EDGAR · CIK 910073 · Savings Institutions, Not Federally Chartered
Guidance and outlook
13F: who owns FLG and who is buying
More on FLG
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results