Flagstar Financial
Logotype for Flagstar Financial Inc

Flagstar Financial (FLG) investor relations material

Flagstar Financial Bank of America Financial Services Conference 2026 summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Logotype for Flagstar Financial Inc
Bank of America Financial Services Conference 2026 summary10 Feb, 2026

Strategic transformation and financial progress

  • Achieved profitability in Q4 after significant restructuring, including selling non-core mortgage businesses and deleveraging over $20 billion in wholesale borrowings in 15 months.

  • Increased charge-offs by over $900 million in 2024 and raised coverage ratios to industry-leading levels, especially in CRE and multifamily.

  • Ended 2025 with an $87.5 billion balance sheet, targeting $94 billion by 2027, supported by a diversified portfolio: one-third CRE, one-third C&I, one-third consumer.

  • Net C&I loan growth achieved in 2025, with a focus on further growth through 2026 and beyond.

  • Cost optimization removed $700 million in expenses from 2024 to 2025, reducing headcount and optimizing real estate and operations.

Talent acquisition and business development

  • Onboarded over 300 mid-career professionals since June 2024, focusing on hiring from larger banks to strengthen commercial and private banking.

  • Expanded into over a dozen new industry verticals, including oil and gas, renewable energy, entertainment, and technology, to drive C&I growth.

  • Plan to add 40-60 more commercial and corporate bankers, each expected to deliver four new client relationships annually, supporting $6-7.5 billion net C&I loan growth in 2026.

  • Bankers are expected to bring in new relationships quickly, with the first deal within 90 days and four relationships in the first year.

  • Leadership structure and entrepreneurial culture attract and retain talent, emphasizing direct client access and impact.

Deposit and relationship banking strategy

  • Deposit growth is driven by new C&I relationships, leveraging a full suite of products and a relationship banking model.

  • 350 branches across key states support deposit gathering, with a holistic approach including government and municipal banking.

  • Enhanced product capabilities in treasury management, FX, loan syndications, and private banking to deepen client relationships.

  • Added 165 new relationships in focus areas over the past year.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Flagstar Financial earnings date

Logotype for Flagstar Financial Inc
Q1 202624 Apr, 2026
Flagstar Financial
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Flagstar Financial earnings date

Logotype for Flagstar Financial Inc
Q1 202624 Apr, 2026

The essential earnings season companion

The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.

Live calls and transcripts

Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.

Find what you need faster

Search for any keyword across all transcripts simultaneously.

Easily store key findings

Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Your watchlist. Your dashboard.

Follow the companies that matter to you. Get a personalized feed with real-time updates.

Be the first to know

Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.

Consensus estimates

Access analyst consensus estimates, valuation multiples, and revenue segments splits.

All IR material in one place

The easiest way to stay updated during earnings season.

Global coverage

All events from public companies. Live and recorded.

Just click and listen

No webcast links. No manual registrations.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

Frequently asked questions

New York Community Bancorp Inc is a bank holding company providing a range of financial products and services through its subsidiary banks. It offers multifamily and commercial real estate loans, consumer banking services, and deposit products. The company operates branches primarily in the northeastern United States. It is headquartered in Hicksville, New York, and its shares are listed on the NYSE.

Quartr provides global coverage of all investor relation material from public companies.

  • Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

  • Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.

  • Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage