FLG at a glance
FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG, SEC CIK 910073) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on July 24, 2026 and Form 4 insider filings as recently as July 16, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) reported revenue of $4.5 billion (down 25.0% from FY2024) and a net loss of $177.0 million. Diluted EPS was -$0.50.
- As of June 30, 2026, 33 institutional investment managers tracked by SignalX reported holding FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) shares worth $2.0 billion in 13F-HR filings.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $4.5B
- −25.0% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 33 funds
- $2.0B · +1 vs prior quarter
- Latest 8-K
- Jul 24, 2026
- Item 2.02 · Item 7.01 · Item 8.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business: National banking with $87.5B assets, $61.0B loans, $66.0B deposits, focused on retail, private banking, multi-family and commercial real estate loans
- New structural shift: October 2025 reorganization eliminating holding company; Flagstar Bank became top-level public entity, no longer FRB-regulated holding company
- Strategic position: Maintained regulatory capital ratios well above Basel III "well capitalized" minimums, e.g., 12.83% Common Equity Tier 1 vs 7% required
- Workforce metric: 5,631 employees as of Dec 31, 2025, with emphasis on inclusive recruitment and employee resource groups
- Noteworthy fact: Regulatory oversight shift from Federal Reserve Board to OCC filing responsibility post-reorganization, continuing voluntary SEC filings
Risk Factors
- Regulatory risk from New York Housing Stability and Tenant Protection Act of 2019 impacting $13.9B (88%) of NY multi-family loans subject to rent regulation
- Macroeconomic exposure to NYC metro area economy where majority of multi-family and CRE collateral worth $38.3B is located
- Operational risk from reliance on analytical models for CECL credit loss allowance of $1.1B, subject to volatility and forecast inaccuracies
- Competitive risk from interest rate policy shifts by Federal Reserve potentially reducing net interest income and increasing loan repricing risk in multi-family and CRE portfolios
- Financial risk of deposit funding concentration with 20% uninsured deposits, risking liquidity under stress and potentially higher wholesale funding costs
Management Discussion & Analysis
- No revenue or net income figures stated; focus on allowance for credit losses (ACL) $1.0B as of Dec 31, 2025
- No operating margin or profitability % disclosed; emphasis on complex ACL estimation models and assumptions
- Key portfolio segments: one-to-four family first mortgage, multi-family, commercial & industrial, specialty finance, commercial real estate
- No cash flow, buybacks, dividends, or capex numbers detailed in this section
- Forward-looking risk: ACL dependent on multiple economic forecasts, model assumptions, collateral valuations, and potential credit loss trends
AI summary of the FLG 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net income $34M, up from $21M sequentially; six-month net income $55M vs $170M loss YoY
- Net interest margin 2.13% vs 2.15% prior quarter; net interest income $440M vs $443M
- C&I loans $18.6B, up 22%; weakest multi-family loans $26.9B, down 7% since December 31
- Provision for credit losses $18M vs $0 sequentially, driven by New York rent-freeze action, charge-offs, and C&I growth
- Management cited multifamily and CRE economic pressures, including rent regulation, inflation, and elevated interest rates
Risk Factors
- No risk-factors section provided; quarter-specific risk changes cannot be determined from submitted text
- New $250 million share-repurchase authorization, approved July 2026, introduces capital-allocation execution risk
- No defaults on senior securities reported as of June 30, 2026
- 134,916 shares repurchased for stock-plan tax withholding at average $14.96 during second-quarter 2026
AI summary of the FLG 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Flagstar Bank reported financial results for the quarter ended June 30, 2026
- Full operating metrics and management commentary available in Exhibit 99.1
Item 7.01: Regulation FD Disclosure
- Investor presentation scheduled for distribution and website posting beginning July 24, 2026
- Exhibit 99.2 contains the substantive investor materials requiring review
Item 8.01: Other Events
- Board authorized up to $250 million in common-stock repurchases over the next 12 months
- Potential buybacks signal excess-capital deployment and could support per-share value
Item 7.01: Regulation FD Disclosure
- Flagstar Bank disclosed preliminary Annual Meeting voting results under Regulation FD
- Voting outcomes may affect board composition, shareholder proposals, and governance direction
Item 5.07: Submission of Matters to a Vote of Security Holders
- Annual meeting quorum: 347,190,027 shares represented against 416,784,450 outstanding shares
- Eight director nominees elected for one-year terms, including Steven T. Mnuchin with 311,080,540 votes
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Otting relinquishes President role but remains Executive Chairman and CEO, concentrating authority at the top
- Raffetto and Smith appointed Co-Presidents and Co-Chief Operating Officers, expanding operational accountability
AI summaries of FLG 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for FLG
Don't miss the next FLG filing
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Marx Bryan | F | Jul 15, 2026 | 1,259 | - |
| Otting Joseph M | A | May 18, 2026 | 749,625 | - |
| Miller Eli H | A | Apr 1, 2026 | 7,326 | - |
| Davis Reginald E | F | Mar 24, 2026 | 923 | - |
| Smith Lee Matthew | F | Mar 24, 2026 | 2,131 | - |
| Gagnon Kris | F | Mar 15, 2026 | 6,051 | - |
| Marx Bryan | A | Mar 15, 2026 | 24,590 | - |
| Bao Nguyen | F | Mar 15, 2026 | 8,609 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|
| Profitability | ||||
| Revenue | $5.5B | $6.0B | $4.5B | |
| Net Income | -$79.0M | -$1.1B | -$177.0M | |
| Net Margin | -1.4% | -18.8% | -4.0% | |
| Balance Sheet | ||||
| Total Assets | $114.1B | $100.2B | $87.5B | |
| Equity | $8.4B | $8.2B | $8.1B | |
| ROE | -0.9% | -13.7% | -2.2% | |
| Per Share | ||||
| EPS | $-0.16 | $-3.49 | $-0.50 | |
| Cash Flow | ||||
| Operating CF | $263.0M | $86.0M | -$181.0M | |
Source: XBRL data in FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate FLG share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 33 | $2.00B |
| Q1 2026 | 32 | $1.79B |
| Q4 2025 | 28 | $1.77B |
| Q3 2025 | 29 | $1.62B |
| Q2 2025 | 29 | $1.47B |
| Q1 2025 | 25 | $996.3M |
| Q4 2024 | 18 | $717.6M |
| Q3 2024 | 16 | $472.5M |
- Ameriprise Financial+3.21M (+887%)
- Goldman Sachs Group+2.21M (+34%)
- D.E. Shaw & Co+1.97M (+2309%)
- BlackRock+1.93M (+5%)
- Two Sigma Investments+1.45M (+39%)
- Millennium Management−4.78M (-94%)
- Citadel Advisors LLC−3.19M (-88%)
- Vanguard Portfolio Management LLC−2.08M (-13%)
- Morgan Stanley−2.08M (-38%)
- Vanguard Capital Management LLC−1.98M (-14%)
- Soros Fund Management+781.7K
Source: 13F-HR filings on SEC EDGAR (aggregated from 210 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
FLG filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| SC 13G | Aug 11, 2026 | - | - | |
| 10-Q | Aug 6, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 24, 2026 | - | Analysis | - |
| 4 | Jul 16, 2026 | - | - | - |
| 8-K | Jun 11, 2026 | - | Analysis | - |
| 4 | May 20, 2026 | - | - | |
| 8-K | May 18, 2026 | - | Analysis | |
| 10-Q | May 7, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | Apr 24, 2026 | - | Analysis | - |
| 4 | Apr 2, 2026 | - | - | - |
| 8-K | Mar 27, 2026 | - | - | - |
| 4 | Mar 25, 2026 | - | - | - |
| 4 | Mar 25, 2026 | - | - | - |
| 4 | Mar 17, 2026 | - | - | - |
| 4 | Mar 17, 2026 | - | - | - |
| 4 | Mar 17, 2026 | - | - | - |
| 4 | Mar 17, 2026 | - | - | - |
| 4 | Mar 17, 2026 | - | - | - |
| 4 | Mar 17, 2026 | - | - | - |
| 4 | Mar 17, 2026 | - | - | - |
| 10-K | Feb 27, 2026 | Dec 31, 2025 | Analysis | |
| 8-K | Feb 27, 2026 | - | Analysis | - |
| 4 | Feb 6, 2026 | - | - | |
| SC 13G | Jan 30, 2026 | - | - | |
| 8-K | Jan 30, 2026 | - | Analysis |
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FLG SEC filings: frequently asked questions
Which institutions hold FLG stock?
As of June 30, 2026, the largest FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) holders among the 13F filers tracked by SignalX were BlackRock ($642.9 million), State Street Corp ($253.0 million), Vanguard Portfolio Management LLC ($202.6 million), Vanguard Capital Management LLC ($187.6 million), Goldman Sachs Group ($129.2 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was FLG's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) reported revenue of $4.5 billion (down 25.0% from FY2024) and a net loss of $177.0 million. Diluted EPS was -$0.50. The figures come from the XBRL data in the 10-K.
What are the main risks in FLG's latest 10-K?
In the 10-K filed February 27, 2026, FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) flagged: Regulatory risk from New York Housing Stability and Tenant Protection Act of 2019 impacting $13.9B (88%) of NY multi-family loans subject to rent regulation. Macroeconomic exposure to NYC metro area economy where majority of multi-family and CRE collateral worth $38.3B is located. (AI summary of the Risk Factors section.)
What did FLG report in its latest 8-K?
FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) filed an 8-K on July 24, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item 7.01 (Regulation FD Disclosure) and Item 8.01 (Other Events). Flagstar Bank reported financial results for the quarter ended June 30, 2026.
What are the latest FLG SEC filings?
FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on July 24, 2026 and a Form 4 insider filing on July 16, 2026.
What is FLG's SEC CIK number?
FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG)'s SEC Central Index Key (CIK) is 910073. EDGAR lists every FLG filing under that number.
Ask anything about FLG
The research agent reads FLG's filings, financials, insider trades and 13F holders, then answers with sources.