For the quarter ended September 2026, Flagstar Bank (FLG) reported revenue of $530 million, up 2.1% over the same period last year. EPS came in at $0.01, compared to -$0.07 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $537.38 million, representing a surprise of -1.37%. The company delivered an EPS surprise of -83.33%, with the consensus EPS estimate being $0.06.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Flagstar Bank performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
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Net Interest Margin: 2.2% versus the seven-analyst average estimate of 2.2%.
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Efficiency Ratio: 87.6% compared to the 82.3% average estimate based on six analysts.
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Net charge-offs to average loans: 0.5% versus 0.4% estimated by six analysts on average.
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Average Balances - Interest earning assets: $84.25 billion compared to the $83.59 billion average estimate based on six analysts.
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Book value per common share (GAAP): $17.82 versus the five-analyst average estimate of $18.71.
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Total Non-performing loans: $2.82 billion compared to the $2.61 billion average estimate based on two analysts.
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Total risk-based capital ratio: 15.7% versus the two-analyst average estimate of 16.2%.
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Tier 1 risk-based capital ratio: 13.2% versus the two-analyst average estimate of 13.7%.
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Total Nonperforming Assets: $2.83 billion versus the two-analyst average estimate of $2.62 billion.
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Leverage Capital Ratio: 9.3% versus 9.6% estimated by two analysts on average.
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Net Interest Income: $460 million versus the seven-analyst average estimate of $459.39 million.
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Total non-interest income (loss): $70 million compared to the $77.05 million average estimate based on seven analysts.
View all Key Company Metrics for Flagstar Bank here>>>
Shares of Flagstar Bank have returned -7.7% over the past month versus the Zacks S&P 500 composite's -1.2% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.
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This article originally published on Zacks Investment Research (zacks.com).
