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Flagstar Bank (FLG) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates
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For the quarter ended June 2026, Flagstar Bank (FLG - Free Report) reported revenue of $516 million, up 4% over the same period last year. EPS came in at $0.05, compared to -$0.14 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $544.89 million, representing a surprise of -5.3%. The company delivered an EPS surprise of -16.67%, with the consensus EPS estimate being $0.06.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
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:
Book value per common share (GAAP): $18.31 versus $18.21 estimated by five analysts on average.
Net Interest Margin: 2.1% versus 2.3% estimated by five analysts on average.
Efficiency Ratio: 87.1% versus the four-analyst average estimate of 81.1%.
Net charge-offs to average loans: 0.7% versus the four-analyst average estimate of 0.3%.
Average Balances - Interest earning assets: $83.05 billion versus the four-analyst average estimate of $83.26 billion.
Total Non-performing loans: $2.8 billion versus the two-analyst average estimate of $2.44 billion.
Total risk-based capital ratio: 16.6% versus the two-analyst average estimate of 16.5%.
Tier 1 risk-based capital ratio: 14% versus the two-analyst average estimate of 13.9%.
Total Nonperforming Assets: $2.81 billion versus $2.45 billion estimated by two analysts on average.
Leverage Capital Ratio: 9.7% compared to the 9.6% average estimate based on two analysts.
Net Interest Income: $440 million compared to the $471.21 million average estimate based on five analysts.
Total non-interest income (loss): $76 million compared to the $75.17 million average estimate based on five analysts.
Shares of Flagstar Bank have returned -2.9% over the past month versus the Zacks S&P 500 composite's +0.6% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.
View the Zacks #1 Rank List
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Flagstar Bank (FLG) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates
For the quarter ended June 2026, Flagstar Bank (FLG - Free Report) reported revenue of $516 million, up 4% over the same period last year. EPS came in at $0.05, compared to -$0.14 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $544.89 million, representing a surprise of -5.3%. The company delivered an EPS surprise of -16.67%, with the consensus EPS estimate being $0.06.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
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:View all Key Company Metrics for Flagstar Bank here>>>
Shares of Flagstar Bank have returned -2.9% over the past month versus the Zacks S&P 500 composite's +0.6% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.