Filing Flows › Flagstar Bank, National Association (FLG) › Guidance & outlook
Flagstar Bank, National Association (FLG) guidance and outlook
Flagstar Bank, National Association's 10-Q filed Nov 6, 2026 makes 12 forward-looking statements.
Guidance and outlook
Forward-looking statements, 10-Q filed Nov 6, 2026
- We believe that the continued successful execution of this plan will drive sustainable earnings and position us to deliver long-term value to shareholders.
- For the nine months ended September 30, 2025, we were unable to make a reliable estimate of our estimated annual effective tax rate as a result of our expected results for 2025; therefore, we used our actual effective tax rate to compute our income tax benefit for those periods.
- We are focusing originations and renewal retention on borrowers with whom we will have broader customer relationships beyond lending.
- The Liquidity Risk Policy outlines our Risk Appetite and provides guidance for the roles and responsibilities of management and various oversight committees to oversee the liquidity risk management framework.
- At September 30, 2026, our total liquidity position was $25.1 billion and we expect that our funding will be sufficient to fulfill our cash obligations and commitments when they are due both in the short term and long term.
- For September 30, 2026, we did not engage in any off-balance sheet transactions that we expect to have a material effect on our financial condition, results of operations or cash flows.
- With capital levels above our target operating range, we expect to deploy excess capital through the following prioritized approach (1) Organic Growth —Profitable loan growth and other business growth opportunities across the Bank.
- We also assess whether (i) we intend to sell, or (ii) it is more likely than not that we will be required to sell the security before recovery of its amortized cost basis.
- When borrowers are experiencing financial difficulty, we may make certain loan modifications as part of loss mitigation strategies to maximize expected payment.
- While it is reasonably possible that the amount of the unrecognized tax benefits with respect to certain of our uncertain tax positions could increase or decrease during the next twelve months, we believe it is unlikely that our recognized tax benefits will change by a material amount during the next twelve months.
- There can be no assurance: (i) that we will not incur material losses due to damages, penalties, costs and/or expenses as a result of such litigation, investigations or regulatory proceedings, (ii) that the reserves we have established will be sufficient to cover such losses, or (iii) that such losses will not materially exceed such reserves and have a material impact on our financial condition or results of…
- We are vigorously defending the allegations set forth in the purported class action complaints and also intend to vigorously defend any related actions.
Flagstar Bank, National Association's latest quarter
Flagstar Bank, National Association, Q3 2026: revenue $530M (+2% year over year), operating margin -1.9%, net earnings $12.0M, operating cash flow −$5.0M. The chart follows the revenue to costs, profit and cash.
Questions
What does Flagstar Bank, National Association expect?
We believe that the continued successful execution of this plan will drive sustainable earnings and position us to deliver long-term value to shareholders. For the nine months ended September 30, 2025, we were unable to make a reliable estimate of our estimated annual effective tax rate as a result of our expected results for 2025; therefore, we used our actual effective tax rate to compute our income tax benefit for those periods. We are focusing originations and renewal retention on borrowers with whom we will have broader customer relationships beyond lending.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.