{"filings":[{"id":999876,"accession_number":"0000910073-26-000062","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2026-06-11T20:03:45+00:00","items":["5.02","5.07","7.01","9.01"],"status":"ready","headline":"Flagstar shareholders approve all four proposals at 2026 annual meeting, including 12M share incentive plan increase","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All eight director nominees elected; Steven Mnuchin received 311.1M votes for, 12.8M against.","KPMG ratified as auditor for 2026 with 369.7M votes for, 3.6M against.","Advisory say-on-pay vote passed with 262.4M for vs 60.8M against.","Incentive Plan Amendment approved, increasing shares reserved by 12,000,000.","Nearly 90% of shares voted; 347.2M of 416.8M outstanding shares represented."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":501238,"accession_number":"0000910073-26-000053","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2026-05-18T21:00:20+00:00","items":["5.02","8.01","9.01"],"status":"ready","headline":"Flagstar Bank extends CEO Otting's term to March 2028; appoints Raffetto and Smith as Co-Presidents","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Joseph Otting's employment extended as CEO through March 6, 2028; base salary rises to $1.4M from Mar 2027.","Richard Raffetto (Chief Banking Officer) and Lee Smith (CFO) named Co-Presidents and Co-COOs, effective May 18.","Bao Nguyen becomes Chief Legal Officer and COO for Consumer & Retail Banking; Peter Sullivan named General Counsel.","Sydney Menefee will become Chief Audit Executive by end of June, reporting to Audit Committee chair and CEO.","Otting receives $10M RSU award vesting quarterly through March 2028; target bonus $2.25M for 2026, $2.5M for 2027."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":99655,"accession_number":"0000910073-26-000035","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2026-04-24T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Flagstar Bank Q1 2026 net income $13M ($0.03 GAAP); adjusted EPS $0.04; C&I loans up 9% QoQ","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income attributable to common stockholders $13M ($0.03 diluted); adjusted net income $20M ($0.04).","C&I loans grew $1.4B (9% linked-quarter) to $16.6B, with broad-based growth across strategic areas.","Non-accrual loans declined 11% ($323M) QoQ; criticized/classified loans down 3%.","CET1 capital ratio improved to 13.24% (up 40 bps); excess capital of $1.6B.","NIM 2.15%, up 1 bps QoQ (up 10 bps excluding hedge gain); operating expenses down 5%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.03,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":115795,"accession_number":"0000910073-26-000029","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2026-03-27T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Director Alessandro DiNello to leave board; Eli Miller appointed to Flagstar Bank board","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["DiNello will not stand for re-election at the 2026 Annual Meeting (June 9, 2026); his term ends at that meeting.","No disagreement with the Bank regarding operations, policies or practices led to his decision.","Eli Miller was appointed to the Board effective April 1, 2026, filling a vacancy from Brian Callanan's resignation.","Miller is a Senior Managing Director of Liberty Strategic Capital, appointed under the 2024 Investment Agreement.","Standard non-employee director compensation: $97,500 cash retainer, $130,000 equity award, plus committee retainers."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":115794,"accession_number":"0000910073-26-000027","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2026-02-27T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Flagstar Bank sets 2026 annual meeting for June 9; record date April 10","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Annual meeting will be held on June 9, 2026, virtually via live webcast at 10:00 a.m. ET.","Record date for shareholder voting is April 10, 2026.","Proxy statement will be filed with the OCC and SEC and posted on ir.flagstar.com.","As of Dec 31, 2025, the bank had $87.5B in assets and $66.0B in deposits."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":115793,"accession_number":"0000910073-26-000018","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2026-01-30T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Flagstar Bank releases Q4 2025 earnings presentation; no financial details in filing","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Presentation titled 'Fourth Quarter 2025 Results' dated January 30, 2026, made available to investors and posted on company website.","Exhibit text in the 8-K does not include specific financial figures from the presentation.","Company trades under FLG on NYSE; also has preferred stock series FLG PRU and FLG PRA."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.5,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":115792,"accession_number":"0000910073-26-000017","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2026-01-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Flagstar returns to profitability in Q4 2025 with EPS $0.05; NIM expands 23 bps to 2.14%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $29M vs net loss of $36M in Q3 2025; diluted EPS $0.05 (adjusted $0.06).","Net interest margin up 23 bps QoQ to 2.14%; net interest income rose 10% to $467M.","C&I commitments surged 28% to $3.0B; total C&I loans up $343M (+2% QoQ).","Provision for credit losses fell 92% to $3M; net charge-offs improved to 0.30% of avg loans.","Full-year 2025 net loss of $177M vs $1,118M in 2024; CRE concentration ratio improved to 381%."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.5,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":132212,"accession_number":"0000910073-25-000177","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-11-03T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Flagstar Bank director Brian Callanan resigns from board effective Nov 2, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Brian R. Callanan resigned as director of Flagstar Bank, N.A., effective November 2, 2025.","Resignation was not due to any disagreement with the Bank's operations, policies, or practices.","No replacement named; the Bank's board composition changes with this departure."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":132211,"accession_number":"0000910073-25-000173","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-10-24T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Flagstar Bank files 8-K with Q3 2025 earnings presentation; no financial details disclosed in exhibit","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Exhibit 99.1 is titled 'Third Quarter 2025 Results' but contains only a cover slide with no financial data.","Presentation to be distributed and posted on Flagstar's website starting October 24, 2025.","No specific EPS, revenue, loan metrics, or guidance figures are included in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.56,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":132210,"accession_number":"0000910073-25-000172","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-10-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Flagstar Bank Q3 net loss narrows to $0.11/share; NIM improves to 1.91%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss attributable to common stockholders of $45M ($0.11/diluted share); adjusted loss $0.07/share, improved from Q2 loss of $0.19/share.","Net interest margin rose 10bps to 1.91% for third consecutive quarterly improvement; provision for credit losses fell 41% to $38M.","C&I loans grew $448M or 3% linked quarter; new commitments up 26% to $2.4B, originations up 41% to $1.7B.","CRE par payoffs of $1.3B (42% substandard); criticized/classified loans down $2.8B or 19% year-to-date.","Completed holding company reorganization Oct 17 to simplify structure and reduce expenses; CET1 capital ratio improved to 12.45%."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.56,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":132209,"accession_number":"0000910073-25-000149","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-10-20T23:59:59+00:00","items":["1.01","2.01","2.03","3.01","3.02","3.03","5.01","5.02","8.01","9.01"],"status":"ready","headline":"Flagstar Bank completes holding company reorganization; Flagstar Financial merges into bank","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Flagstar Financial Inc. merged into subsidiary Flagstar Bank, N.A.; bank is now the public company.","Common stock continues trading on NYSE under symbol 'FLG' starting Oct 20, 2025.","Reorganization simplifies corporate structure, reduces regulatory burden, lowers operating expenses.","As of June 30, 2025, consolidated assets $92.2B, loans $64.4B, deposits $69.7B, equity $8.1B.","Directors and executive officers remain unchanged; no impact on customer accounts or operations."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":132214,"accession_number":"0000910073-25-000135","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-10-16T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Flagstar Financial Shareholders Approve Internal Merger with Bank Subsidiary and Federal Savings Conversion","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Shareholders voted 323,484,538 in favor (99.8% of votes cast) to approve merger of Company into wholly-owned subsidiary Flagstar Bank, N.A.","Shareholders also approved conversion of Company into interim federal savings association with 323,457,796 for and 724,931 against.","Meeting quorum was 78.11% of outstanding shares (324,632,828 of 415,561,180) represented.","Adjournment proposal became moot after both merger and conversion proposals were approved.","There were zero broker non-votes on the two main proposals."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":132213,"accession_number":"0000910073-25-000129","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-10-07T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Flagstar Financial receives OCC approval to merge into its bank; vote Oct 15, close mid-late Oct","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["OCC approved reorganization on Oct 3, 2025; Flagstar Financial will merge into Flagstar Bank, N.A.","Shareholder special meeting scheduled for Oct 15, 2025; expected close in mid-to-late October.","Surviving bank will keep ticker FLG on NYSE; no change in trading symbol.","As of June 30, 2025: $92.2B assets, $64.4B loans, $69.7B deposits, $8.1B equity.","Approximately 360 branches across nine states; strong presence in NY/NJ, Midwest, Florida, West Coast."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148784,"accession_number":"0000910073-25-000125","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-08-26T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Flagstar Financial sets October 15, 2025 for Special Meeting of Shareholders; record date August 18, 2025","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Special Meeting to be held on October 15, 2025 at 10:00 a.m. ET via live virtual webcast only.","Record date for voting eligibility is August 18, 2025.","Proxy statement and notice filed with SEC; details at ir.flagstar.com.","Purpose of meeting not disclosed in this filing; shareholders should review proxy statement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148783,"accession_number":"0000910073-25-000121","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-08-22T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Flagstar secures voting agreements from ~35% holders for merger with bank subsidiary","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Liberty, Hudson Bay, and Reverence, holding ~35.05% of common stock, agreed to vote for merger and conversion at Oct 15 special meeting.","Amended merger agreement clarifies treatment of Series D warrant holders; warrants convert into Bank Common Stock or Series D.","Special meeting of shareholders scheduled for October 15, 2025 to vote on proposals.","Merger is internal reorganization; Flagstar Financial to merge into Flagstar Bank, N.A. with Bank surviving."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148782,"accession_number":"0000910073-25-000105","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-07-25T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Flagstar Financial posts Q2 2025 earnings presentation; no financial details in excerpt","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Presentation titled 'Second Quarter 2025 Results' made available on July 25, 2025.","Full financial data not provided in the extracted exhibit text.","Company intends to distribute and post the presentation on its website."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.45,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148781,"accession_number":"0000910073-25-000104","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-07-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Flagstar Q2 2025 net loss $0.19/share; 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68.9M broker non-votes.","KPMG ratified as auditor for FY2025: 359.1M for, 3.1M against, no broker non-votes.","Non-binding say-on-pay approved 260.5M for vs 32.1M against; 68.9M broker non-votes.","Total shares outstanding 415.1M; 362.9M shares voted, achieving quorum."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":167661,"accession_number":"0000910073-25-000071","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-04-25T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Flagstar Financial announces availability of Q1 2025 earnings presentation","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Presentation posted on company website beginning April 25, 2025.","Specific financial results from the presentation are not provided in this filing.","Filing made under Regulation FD; no earnings figures disclosed."],"consensus_eps_estimate":0.0327,"consensus_eps_actual":-0.26,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl+finnhub","sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":167660,"accession_number":"0000910073-25-000070","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-04-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Flagstar Q1 GAAP loss $0.26/diluted; C&I originations up 42% QoQ, NIM stabilizes","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss attributable to common stockholders $108M ($0.26/diluted); adjusted net loss $94M ($0.23/diluted).","NIM stabilized at 1.74% (+1bp QoQ); net interest income $410M (-11% QoQ).","Provision for credit losses down $66M QoQ; net charge-offs $115M (-48% QoQ) to 0.68% annualized of avg loans.","C&I originations $769M (+42% QoQ); added 15 bankers, plans 80-90 more in 2025.","Total ACL 1.82% of loans; non-accrual HFI 4.93% (up from 3.83%) mainly due to one relationship."],"consensus_eps_estimate":0.0327,"consensus_eps_actual":-0.26,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl+finnhub","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":184949,"accession_number":"0001140361-25-009889","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K/A","filed_at":"2025-03-21T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Flagstar finalizes CEO Otting employment agreement: $1.25M salary, $2.25M target bonus through 2027","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Employment agreement executed March 19, 2025, term through March 31, 2027 unless renewed.","Base salary $1.25M per year; 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no specific results provided","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Filing under Item 7.01 (Regulation FD) discloses a written presentation for Q4 2024 results dated January 30, 2025.","Presentation is attached as Exhibit 99.1 but its content is not included in the submitted text.","No financial figures, guidance, or operational updates are available from this filing alone.","Tickers: FLG (common), FLG PRU (bifurcated notes), FLG PRA (preferred stock)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":184950,"accession_number":"0000910073-25-000006","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-01-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Flagstar Q4 GAAP net loss $0.41/diluted share; 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expects additional pre-tax costs of ~$75M from asset impairment and severance.","Pro forma shows removal of ~$1.09B MSR, ~$374M loans, and $333M other liabilities; custodial deposits of ~$4B to transfer within 5 months.","Transaction reduces interest income and expenses; pro forma net loss for H1 2024 widens from $650M to $722M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":201540,"accession_number":"0001193125-24-244041","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2024-10-25T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"NYCB director Peter Schoels resigns effective Oct 25, 2024; 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common stock ticker changes from NYCB to FLG at open on Oct 28.","Preferred stock tickers change to FLG PRA (from NYCB-PA) and FLG PRU (from NYCB-PU) on same date.","CEO Joseph Otting says name change marks transformation milestone, aligns with bank rebrand and growth vision.","No shareholder vote required; CUSIPs remain unchanged; existing stockholder rights unaffected."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":217550,"accession_number":"0001193125-24-224128","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2024-09-24T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"NYCB exchanges 127,955 Series B preferred shares for 42.65M common shares with Liberty 77 and Hudson Bay","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Liberty exchanged 114,355 Series B shares for 38,118,329 common shares; Hudson Bay exchanged 13,600 Series B shares for 4,533,331 common shares.","After the exchange, Liberty holds no Series B shares; Hudson Bay holds 750 Series B shares convertible into ~249,999 common shares.","Common shares outstanding post-exchange: 415,261,212; the transaction was completed on Sept 23, 2024.","The Series B shares exchanged were originally issued in NYCB's ~$1.05B capital raise in March 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":217549,"accession_number":"0001193125-24-213190","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2024-09-04T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"NYCB amends bylaws to add exclusive forum provision, remove DiNello reference","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Adopted Delaware Court of Chancery as exclusive forum for derivative, fiduciary duty, and internal corporate claims.","Federal courts designated exclusive forum for Securities Act of 1933 claims, unless company consents otherwise.","Removed prior reference to Alessandro P. DiNello serving as Executive Chair before April 1, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":217548,"accession_number":"0001193125-24-199447","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2024-08-13T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"NYCB exchanges 63,357 Series B preferred shares for 21.1M common shares with three investors","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Liberty 77 Capital exchanged 29,000 Series B shares for 9,666,665 common shares; Hudson Bay exchanged 22,500 Series B for 7,499,998 common; Reverence exchanged 11,857 Series B for 3,952,332 common.","Common shares outstanding post-exchange: 372,551,600 (up from 351,432,605 as of Aug 9).","Exchanges comply with 9.99% beneficial ownership cap; no investor exceeds limit after transaction.","Reverence holds no Series B after exchange; Liberty retains 114,355 Series B convertible to ~38.1M common; Hudson Bay retains 14,350 Series B convertible to ~4.78M common.","Series B shares were acquired in March 2024 as part of a $1.05B capital raise; exchanges were contemplated under the original investment agreements."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":217547,"accession_number":"0001193125-24-187709","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2024-07-29T23:59:59+00:00","items":["1.01","8.01","9.01"],"status":"ready","headline":"NYCB subsidiary Flagstar selling mortgage servicing business to Mr. Cooper for $1.4B","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Purchase price ~$1.4B cash; expected to close Q4 2024.","Transaction adds approx. 60 bps to CET1 capital ratio.","Buyer is Mr. Cooper (NASDAQ: COOP); Jefferies LLC acted as advisor.","Sale includes mortgage servicing rights and third-party origination platform.","NYCB will continue offering residential mortgage products to retail/private wealth customers."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":217542,"accession_number":"0000910073-24-000157","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K/A","filed_at":"2024-07-26T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"NYCB corrects typographical errors in Q2 2024 earnings presentation","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Company filed Amendment No. 1 to July 25, 2024 Form 8-K to fix errors on slides 17 and 21 of the Q2 earnings presentation.","Corrected slides furnished as Exhibit 99.1; no other changes to the original 8-K.","The presentation covers Q2 2024 results, but specific financial figures are not detailed in the amendment.","Investors should refer to the corrected presentation for accurate data."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":217546,"accession_number":"0000910073-24-000154","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2024-07-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"NYCB posts Q2 2024 GAAP net loss of $1.14 per share; deposits up 5.6% sequentially","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $323M; GAAP diluted EPS loss of $1.14; adjusted EPS loss of $1.05.","Provision for credit losses of $390M; net charge-offs of $349M (0.42% of avg loans).","Total ACL improved to 1.78% of loans held for investment from 1.56% last quarter.","Deposits grew $4.2B to $79.0B (+5.6% QoQ); pro-forma liquidity ~$40B.","Pro-forma CET1 ratio of 11.2% after sale of mortgage servicing rights and warehouse business."],"consensus_eps_estimate":null,"consensus_eps_actual":-2.48,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":217545,"accession_number":"0000910073-24-000153","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2024-07-25T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"NYCB issues Q2 2024 earnings presentation; no specific results in this filing","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Presentation is dated July 25, 2024 and covers second quarter 2024 financial results.","Exhibit 99.1 text provided is only a header; full presentation likely contains detailed data.","Company intends to distribute the presentation to investors and post on its website.","No revenue, EPS, or balance sheet figures are available from the filed exhibit."],"consensus_eps_estimate":null,"consensus_eps_actual":-2.48,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":217544,"accession_number":"0001193125-24-179714","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2024-07-16T23:59:59+00:00","items":["3.03","5.03","7.01","9.01"],"status":"ready","headline":"NYCB completes 1-for-3 reverse stock split effective July 11, 2024","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Reverse split effective 5:01 p.m. ET July 11; common stock trades on adjusted basis July 12 under same symbol NYCB.","Every 3 common shares combined into 1; authorized shares reduced from 2B to 666,666,666.","Post-split shares outstanding: 351,365,486 as of July 12, 2024 close.","No fractional shares issued; cash payment in lieu of fractional shares.","Preferred stock (Series A, B, C, D) and warrants adjusted; preferred shares unchanged."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":217543,"accession_number":"0001193125-24-174410","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2024-07-02T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"NYCB announces 1-for-3 reverse stock split effective July 11, 2024","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Reverse split ratio of 1-for-3, effective at 5:01 p.m. ET on July 11, 2024 after NYSE close.","Authorized common shares reduced from 2,000,000,000 to 666,666,666.","No fractional shares issued; shareholders will receive cash in lieu of fractional shares.","New CUSIP number for common stock post-split: 649445400.","Proportional adjustments made to equity awards and preferred stock conversion ratios."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":237421,"accession_number":"0000910073-24-000144","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K/A","filed_at":"2024-06-13T23:59:59+00:00","items":["2.01","9.01"],"status":"ready","headline":"NYCB completes FDIC-assisted acquisition of Signature Bridge Bank assets; net assets acquired $2.1B","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Acquired assets with estimated total fair value of $37.8B, including $24.9B cash and $11.7B loans, net of ACL.","Assumed liabilities of $35.7B, primarily $33.5B in deposits; assets acquired at discount of ~$2.7B.","Core deposit intangible and other intangibles recognized of $464M.","FDIC exercised equity appreciation rights; NYCB issued 39,032,006 shares; FDIC sold shares in secondary offering May 19, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":237429,"accession_number":"0001193125-24-157842","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2024-06-10T23:59:59+00:00","items":["5.02","5.07","5.03","7.01","9.01"],"status":"ready","headline":"NYCB shareholders approve 2B authorized shares, reverse split 1:3, waive 10% voting cap for Liberty/Reverence","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Authorized common shares increased from 900M to 2B; total stock authority raised to 2.005B shares.","1-for-3 reverse stock split approved; Board may implement within one year.","10% voting cap waived for Liberty 77 Capital and Reverence Capital affiliates.","Share issuance related to March 2024 capital raise approved; no cash-settled warrants required.","Series B preferred dividends cease; Series C converts to common; outstanding shares now 1.05B."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":5835411632.501782,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":237428,"accession_number":"0000910073-24-000139","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2024-06-04T23:59:59+00:00","items":["5.02","8.01","9.01"],"status":"ready","headline":"NYCB CEO Joseph Otting named Executive Chairman; 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Otting appointed Executive Chairman of NYCB and Flagstar Bank, effective June 5, 2024.","Alessandro P. 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