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Flagstar Bank, National Association cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow−$5.0M in Q3 2026 · −$86.0M over twelve months

Operating cash flow−$5.0M
Free cash flow−$5.0M
Cash / net income-0.4×

Analysis

In Q3 2026, Flagstar Bank, National Association generated −$5.0M of operating cash flow. That is $248M less than in Q3 2025 ($243M).

Over the twelve months to Sep 30, 2026, operating cash flow was −$86.0M; the largest uses were net borrowing (+) / repaid (−) ($2.2B), other financing ($1.6B), other investing ($511M); the cash balance fell by $4.4B.

Operating cash flow was −$5.0M against net income of $12.0M — -0.4× profit, less cash than reported earnings, worth checking against working capital. The largest differences: prepaid and other assets −$138M, depreciation & amortization +$32.0M, stock-based pay +$19.0M.

Free cash flow

Flagstar Bank, National Association: free cash flow by quarterFlagstar Bank, National Association: free cash flow by quarter$623MQ4 2024−$590MQ1 2025$355MQ2 2025$243MQ3 2025−$189MQ4 2025−$118MQ1 2026$226MQ2 2026−$5.0MQ3 2026
Operating cash flow less capital spending.
Flagstar Bank, National Association: operating cash flow against capital spendingFlagstar Bank, National Association: operating cash flow against capital spendingOperating cash flowCapital spending$623M$0Q4 2024−$590M$0Q1 2025$355M$0Q2 2025$243M$0Q3 2025−$189M$0Q4 2025−$118M$0Q1 2026$226M$0Q2 2026−$5.0M$0Q3 2026
Latest (Q3 2026): Operating cash flow −$5.0M, Capital spending $0.

Capital allocation, year by year

Flagstar Bank, National Association: where the cash came from (up) and went (down), by fiscal yearFlagstar Bank, National Association: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedBuybacksDividendsFY2021: Operating cash flow $290MFY2021: Net borrowing $478MFY2021: Dividends −$316M$768MFY2021FY2022: Operating cash flow $1.0BFY2022: Net borrowing −$1.9BFY2022: Buybacks −$7.0MFY2022: Dividends −$317M$1.0BFY2022FY2023: Operating cash flow $263MFY2023: Net borrowing −$74.0MFY2023: Dividends −$486M$263MFY2023FY2024: Operating cash flow $86.0MFY2024: Net borrowing −$6.9BFY2024: Shares issued $1.0BFY2024: Dividends −$53.0M$1.1BFY2024FY2025: Operating cash flow −$181MFY2025: Net borrowing −$2.2BFY2025: Dividends −$15.0MFY2025
Over these 5 years operating cash flow totalled $1.5B; the largest uses were net borrowing ($11.1B) and dividends ($1.2B). Cash-flow statements as filed.

Where the cash came from and went

Flagstar Bank, National Association: sources (+) and uses (−) of cash, Q3 2026Flagstar Bank, National Association: sources (+) and uses (−) of cash, Q3 2026Other investing−$1.1BCash drawn (+) / kept (−)$1.1BOther financing$76.0MOperating cash flow−$5.0MDividends−$3.0M
Flagstar Bank, National Association: sources (+) and uses (−) of cash, TTM to Q3 2026Flagstar Bank, National Association: sources (+) and uses (−) of cash, TTM to Q3 2026Cash drawn (+) / kept (−)$4.4BNet borrowing (+) / repaid (−)−$2.2BOther financing−$1.6BOther investing−$511MOperating cash flow−$86.0MDividends−$15.0M

From profit to cash

Flagstar Bank, National Association: net income to operating cash flow, Q3 2026Flagstar Bank, National Association: net income to operating cash flow, Q3 2026Net income$12.0MDepreciation & amortization$32.0MStock-based pay$19.0MDeferred taxes$2.0MPrepaid and other assets−$138MOther liabilities−$11.0MOperating cash flow−$5.0M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026−$5.0M−$3.0M——$1.1B−$5.0M
Q2 2026$226M−$4.0M−$250M—$1.9B$226M
Q1 2026−$118M−$5.0M−$1.0B—−$1.1B−$118M
Q4 2025−$189M−$3.0M−$1.0B—$2.6B−$189M
Q3 2025$243M−$4.0M——−$388M$243M
Q2 2025$355M−$4.0M−$1.0B—$4.5B$355M
Q1 2025−$590M−$4.0M−$250M—$2.9B−$590M
Q4 2024$623M−$5.0M−$5.9B$1.0M$7.6B$623M

Flagstar Bank, National Association: income statement and cash flow

Flagstar Bank, National Association, Q3 2026: revenue $530M (+2% year over year), operating margin -1.9%. The chart follows the revenue to costs, profit and cash.

Flagstar Bank, National Association: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.