Flagstar Bank, National Association (FLG)

In the past six months, Flagstar Bank's share price has gained 28.6% year-to-date as of October 28, 2025. The bank reported a net loss of $0.11 per diluted share in Q3 2025, but revenue exceeded forecasts, and the net interest margin improved for the third consecutive quarter. A corporate reorganization was completed on October 17, 2025, merging Flagstar Financial Inc. into Flagstar Bank, N.A. Analyst ratings and price targets have been adjusted by JP Morgan, TD Cowen, Truist Securities, and Cantor Fitzgerald. Earlier in 2024, Flagstar Bank completed the sale of its residential mortgage servicing to Mr. Cooper for $1.3 billion in cash and sold $5.9 billion in mortgage warehouse loans to JPMorgan Chase Bank, N.A.

The banking industry, including Flagstar Bank, experiences seasonal trends in loan demand, with low points in January and February, increases in March, and peaks in August or September. Mortgage demand is heavily influenced by interest rates rather than traditional seasonality. Flagstar Bank's deposits are influenced by customer satisfaction, interest rates, product types, and terms. The bank has seen overall deposit declines, partly due to a strategic reduction in brokered deposits.

Flagstar Bank, National Association (FLG) is a diversified commercial bank serving individuals, small and mid-size businesses, and professional associations in the United States. The bank offers a range of deposit products, including checking, money market, savings, and certificates of deposit. Loan products include multi-family, commercial real estate, C&I, one-to-four family, specialty finance, and warehouse loans, as well as consumer loans like home equity lines of credit. The bank also provides non-deposit investment and insurance products, along with online and mobile banking services.

Flagstar Bank, N.A. is headquartered in Hicksville, New York, and operates approximately 340 to 400 locations across nine states. It has a strong presence in the greater New York/New Jersey metropolitan region and the upper Midwest, with a significant presence in fast-growing markets in Florida and the West Coast. The bank also has private banking teams in several cities within the metropolitan New York City region and on the West Coast.

Flagstar Bank emphasizes a commitment to customer relationships and aims to transform into a top-performing regional bank. While the company has received awards in previous years, specific events directly impacting its brand reputation in the past year were not prominently detailed. Recent news has focused on its financial performance, strategic restructuring, and operational improvements.

Institutional investors hold a significant portion of Flagstar Bank's stock. As of June 30, 2025, institutions owned 56.3% of the shares, while VC/PE Firms held 26.7%, and Hedge Funds held 8.35%. The general public owned 7.88% of shares, and individual insiders held 0.757%. Major institutional owners include Liberty 77 Capital L.P., BlackRock, Inc., Reverence Capital Partners, L.P., The Vanguard Group, Inc., State Street Global Advisors, Inc., T. Rowe Price Group, Inc., AllianceBernstein L.P., Victory Capital Management Inc., Charles Schwab Investment Management, Inc., and Alyeska Investment Group, L.P. Steven T. Mnuchin is the largest individual shareholder, owning 75.01 million shares, representing 18.05% of the company.