Flagstar Financial Q4 adjusted EPS beats expectations

Reuters

01/30

Flagstar Financial Q4 adjusted EPS beats expectations

Overview

Financial services firm's Q4 adjusted EPS beat analyst expectations
Company returned to profitability with Q4 net income of $29 mln
C&I lending commitments up 28% to $3 bln, originations up 22% to $2.1 bln

Outlook

Flagstar expects positive operating leverage to continue in 2026
Company anticipates ongoing growth in C&I lending focus areas
Flagstar plans to maintain expense management strategies in 2026

Result Drivers

C&I LENDING GROWTH - Flagstar reported a 28% increase in C&I lending commitments and a 22% rise in originations, contributing to its return to profitability
NET INTEREST MARGIN IMPROVEMENT - Net interest margin increased by 23 basis points due to a decline in the cost of funds
CREDIT QUALITY IMPROVEMENT - Non-accrual loans declined by 8% and provisions for credit losses fell by 92% compared to the prior quarter

Key Details

Metric	Beat/Miss	Actual	Consensus Estimate
Q4 Adjusted EPS	Beat	$0.06	$0.02 (18 Analysts)
Q4 Net Income		$29 mln
Q4 Net Interest Income		$467 mln

Press Release: ID:nPn8XlYcpa

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact reuters.support@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)

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For any other questions or feedback, contact reuters.support@thomsonreuters.com.</p><p>(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4211","symbol_name":"区域性银行","start_time":0,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20260130:nL1N3YV0ER:1","article_id":"2607302014","we_media_id":"1032215980","thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2607302014","pubTimestamp":1769771371,"columns":[],"sourceInfo":null,"weMediaInfo":{"media_name":"Reuters","introduction":"Reuters.com brings you the latest news from around the world, covering breaking news in markets, business, politics, entertainment and technology","home_visible":1,"id":"1032215980","head_image":"https://community-static.tradeup.com/news/4567337cbdf294b657b1fa87c5488b48"},"summary":"Flagstar Financial Q4 adjusted EPS beats expectationsOverviewFinancial services firm's Q4 adjusted EPS beat analyst expectationsCompany returned to profitability with Q4 net income of $29 mlnC&I lendi","collect":0,"end_time":0,"defaultTopTitle":"","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4211":"区域性银行","FLG":"Flagstar Financial, Inc."},"translate_title":"Flagstar Financial第四季度调整后每股收益超出预期","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"FLG":0.9},"content_text":"Flagstar Financial Q4 adjusted EPS beats expectationsOverviewFinancial services firm's Q4 adjusted EPS beat analyst expectationsCompany returned to profitability with Q4 net income of $29 mlnC&I lending commitments up 28% to $3 bln, originations up 22% to $2.1 blnOutlookFlagstar expects positive operating leverage to continue in 2026Company anticipates ongoing growth in C&I lending focus areasFlagstar plans to maintain expense management strategies in 2026Result DriversC&I LENDING GROWTH - Flagstar reported a 28% increase in C&I lending commitments and a 22% rise in originations, contributing to its return to profitabilityNET INTEREST MARGIN IMPROVEMENT - Net interest margin increased by 23 basis points due to a decline in the cost of fundsCREDIT QUALITY IMPROVEMENT - Non-accrual loans declined by 8% and provisions for credit losses fell by 92% compared to the prior quarterKey DetailsMetricBeat/MissActualConsensus EstimateQ4 Adjusted EPSBeat$0.06$0.02 (18 Analysts)Q4 Net Income$29 mlnQ4 Net Interest Income$467 mlnPress Release: ID:nPn8XlYcpaFor questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact reuters.support@thomsonreuters.com.(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"1","news_tag":"dataReport,express","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}