# FLG earnings call intelligence

LOPJLB CallCard / temporal rollup · freemium · [stock page](https://www.lopjlb.com/stock/FLG) · [Earnings tab](https://www.lopjlb.com/stock/FLG?tab=earnings)

Updated: 2026-07-25T04:29:16

Quarters analyzed: 8

## Latest CallCard · Q2

Flagstar reports third straight profitable quarter with $250M buyback, record $2B C&I loan growth, $700M core deposit growth, CRE reduction to 350% concentration; guides 2026 EPS $0.40-$0.50, 2027 $1.60-$1.70. NIM floor at 2.19% in June. Nonaccrual target $2.3B by year-end. Balance sheet targeting $

**Guidance:** vague

**Tone:** mgmt 0 · Q&A pressure 0 · divergence 0

## Quarter one-liners

- **2026 Q2:** Flagstar reports third straight profitable quarter with $250M buyback, record $2B C&I loan growth, $700M core deposit growth, CRE reduction to 350% concentration; guides 2026 EPS $0.40-$0.50, 2027 $1.60-$1.70. NIM floor at 2.19% in June. Nonaccrual target $2.3B by year-end. Balance sheet targeting $
- **2026 Q1:** Flagstar reports Q1 2026 with continued momentum: C&I loans up 9% QoQ, core deposits up $1.1B, nonaccrual loans down 11%, NIM expands 10bps, CET1 13.2%, rating upgrades to investment grade, material weakness remediated. Guidance: adj. EPS $0.60-$0.65 (2026), $1.80-$1.90 (2027).
- **2025 Q4:** Flagstar returned to profitability in Q4 2025 with $30M adjusted net income, driven by NIM expansion, C&I loan growth, CRE reduction, and improving credit quality; guiding 2026 EPS $0.65-$0.70 and 2027 EPS $1.90-$2.00.','tone': {'mgmt': 0.7, 'mgmt_rationale': 'Management highlighted return to profit
- **2025 Q3:** Flagstar Bank NA posted a narrowed adjusted loss, expanded NIM, strong C&I loan growth and completed a holding‑company reorganization, while highlighting a robust pipeline and ongoing credit‑quality improvements.
- **2025 Q2:** Flagstar Q2: CET1 12.3%, C&I commitments $1.9B, CRE par payoffs $1.5B, NIM 1.81%, expense cuts ahead of plan, guidance lowered $125M NII for 2025 but EPS offset by cost saves; holding co merger announced.','tone':{'mgmt':0.3,'mgmt_rationale':'Management emphasized significant progress on C&I growth,
- **2025 Q1:** Flagstar Financial reported a narrower Q1 loss, strong C&I loan growth, significant broker‑deposit paydowns and CRE payoffs, and reaffirmed its goal to return to profitability by Q4 2025.
- **2024 Q4:** Flagstar Financial Q4 2024 beat internal forecasts, lifted CET1 to 11.9%, cut wholesale borrowings and CRE exposure, and outlined a $600M cost‑reduction plan with an upbeat 2025 outlook.
- **2024 Q3:** NYCB reports Q3 progress on diversification: deposit growth, CRE payoffs, C&I hiring, but elevated non-accruals and charge-offs

## Guidance path

2024 Q3:vague → 2024 Q4:maintained → 2025 Q1:maintained → 2025 Q2:vague → 2025 Q3:maintained → 2025 Q4:vague → 2026 Q1:vague → 2026 Q2:vague

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Research context only. Not personalized investment advice.

API: `GET /bff/api/bigfive/earnings-intel/FLG`