Core Insights - Flagstar Bank reported a revenue of $519 million for the quarter ended September 2025, reflecting a decrease of 16.7% year-over-year [1] - The earnings per share (EPS) was -$0.07, an improvement from -$0.69 in the same quarter last year [1] - The reported revenue slightly exceeded the Zacks Consensus Estimate of $514.03 million, resulting in a surprise of +0.97% [1] - The EPS fell short of the consensus estimate of -$0.06, leading to an EPS surprise of -16.67% [1] Financial Metrics - Net Interest Margin stood at 1.9%, matching the six-analyst average estimate [4] - Efficiency Ratio was reported at 100.5%, significantly higher than the estimated 92.7% [4] - Book value per common share (GAAP) was $18.30, slightly below the average estimate of $18.46 [4] - Average Balances of Interest-earning assets were $88.37 billion, lower than the estimated $89.6 billion [4] - Net charge-offs to average loans were 0.5%, better than the estimated 0.6% [4] - Leverage Capital Ratio was 9%, consistent with the average estimate [4] - Net Interest Income was $425 million, slightly below the average estimate of $431.69 million [4] - Total non-interest income was $94 million, exceeding the estimated $82.57 million [4] - Fee income reached $23 million, above the estimated $22.79 million [4] - Bank-owned life insurance income was $12 million, surpassing the average estimate of $9.81 million [4] - Other non-interest income was $32 million, below the average estimate of $38.47 million [4] - Net gain on loan sales and securitizations was $5 million, lower than the estimated $9.05 million [4] Stock Performance - Flagstar Bank's shares returned +0.1% over the past month, compared to a +1.3% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market [3]
Here's What Key Metrics Tell Us About Flagstar Bank (FLG) Q3 Earnings