Filing Flows › Flagstar Bank, National Association (FLG) › Q4 2025
Flagstar Bank, National Association (FLG) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Feb 27, 2026
Flagstar Bank, National Association (FLG) reported revenue of $557M for the fourth quarter 2025 (Q4 2025), -11% from a year earlier and +7% from the quarter before. Operating margin was 8.1%, net earnings $29.0M (5.2% of revenue).
Flagstar Bank, National Association, Q4 2025: revenue $557M (-11% year over year), operating margin 8.1%, net earnings $29.0M, operating cash flow −$189M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $557M | +7% | -11% |
| Operating profit | $45.0M | — | — |
| Net earnings | $29.0M | — | — |
| Operating cash flow | −$189M | -178% | — |
What changed
Revenue was $557.0M in Q4 2025, down 11% year over year and up 7% from the previous quarter. Net interest income was the largest line at 84% of revenue. Noninterest income lost $74.0M year over year (down 45%), 109% of the total change.
Operating profit was $45.0M, a 8.1% margin (up 46.2 points year over year). Total costs fell 41% while revenue fell 11%. Net earnings were $29.0M. The effective tax rate was 35.6%.
Operating cash flow was −$189.0M. Non-cash charges added back $35.0M of depreciation and amortization and $15.0M of share-based compensation. Working capital and other items used $268.0M.
Questions
What was Flagstar Bank, National Association's revenue in the fourth quarter 2025?
Flagstar Bank, National Association (FLG) reported revenue of $557M for the fourth quarter 2025 (Q4 2025), -11% from a year earlier and +7% from the quarter before.
Was Flagstar Bank, National Association profitable in the fourth quarter 2025?
Operating profit was $45.0M (8.1% of revenue) and net earnings $29.0M.
Source: Flagstar Bank, National Association 10-K on SEC EDGAR.