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. 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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"}}}