Flagstar returns to profitability in Q4 2025 with EPS $0.05; NIM expands 23 bps to 2.14%

FLAGSTAR BANK, NATIONAL ASSOCIATION

2025-FY EPS reported -$0.50

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%.

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