Flagstar Financial Q4 adjusted EPS beats expectations

Reuters

Jan 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":"FLG","symbol_name":"Flagstar Financial, Inc.","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":{"FLG":"Flagstar Financial, Inc.","BK4211":"区域性银行"},"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"}}}