Flagstar Financial, Inc. (FLG) - Net Assets
Based on the latest financial reports, Flagstar Financial, Inc. (FLG) has net assets worth $8.14 Billion USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($87.51 Billion) and total liabilities ($79.37 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $8.14 Billion |
| % of Total Assets | 9.31% |
| Annual Growth Rate | 12.41% |
| 5-Year Change | 15.62% |
| 10-Year Change | 32.99% |
| Growth Volatility | 47.05 |
Flagstar Financial, Inc. - Net Assets Trend (1993–2025)
This chart illustrates how Flagstar Financial, Inc.'s net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Flagstar Financial, Inc. (1993–2025)
The table below shows the annual net assets of Flagstar Financial, Inc. from 1993 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $8.14 Billion | -0.28% |
| 2024-12-31 | $8.17 Billion | -2.39% |
| 2023-12-31 | $8.37 Billion | -5.18% |
| 2022-12-31 | $8.82 Billion | +25.27% |
| 2021-12-31 | $7.04 Billion | +2.95% |
| 2020-12-31 | $6.84 Billion | +1.94% |
| 2019-12-31 | $6.71 Billion | +0.85% |
| 2018-12-31 | $6.66 Billion | -2.06% |
| 2017-12-31 | $6.80 Billion | +10.96% |
| 2016-12-31 | $6.12 Billion | +3.19% |
| 2015-12-31 | $5.93 Billion | +2.64% |
| 2014-12-31 | $5.78 Billion | +0.80% |
| 2013-12-31 | $5.74 Billion | +1.40% |
| 2012-12-31 | $5.66 Billion | +1.63% |
| 2011-12-31 | $5.57 Billion | +0.71% |
| 2010-12-31 | $5.53 Billion | +2.97% |
| 2009-12-31 | $5.37 Billion | +27.20% |
| 2008-12-31 | $4.22 Billion | +0.88% |
| 2007-12-31 | $4.18 Billion | +13.35% |
| 2006-12-31 | $3.69 Billion | +10.98% |
| 2005-12-31 | $3.32 Billion | +4.35% |
| 2004-12-31 | $3.19 Billion | +11.08% |
| 2003-12-31 | $2.87 Billion | +116.75% |
| 2002-12-31 | $1.32 Billion | +34.62% |
| 2001-12-31 | $983.13 Million | +219.81% |
| 2000-12-31 | $307.41 Million | +124.22% |
| 1999-12-31 | $137.10 Million | -8.23% |
| 1998-12-31 | $149.40 Million | -12.38% |
| 1997-12-31 | $170.50 Million | -19.35% |
| 1996-12-31 | $211.40 Million | -2.85% |
| 1995-12-31 | $217.60 Million | +5.99% |
| 1994-12-31 | $205.30 Million | +6.48% |
| 1993-12-31 | $192.80 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Flagstar Financial, Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 1045.5% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $4.00 Million | 0.05% |
| Other Comprehensive Income | $-489.00 Million | -6.00% |
| Other Components | $9.62 Billion | 118.09% |
| Total Equity | $8.14 Billion | 100.00% |
Flagstar Financial, Inc. Competitors by Market Cap
The table below lists competitors of Flagstar Financial, Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Zhejiang CFMoto Power Co Ltd
SHG:603129
|
$5.63 Billion |
|
Norsk Hydro ASA
OTCQX:NHYKF
|
$5.63 Billion |
|
NIBE Industrier AB (publ)
PINK:NIABY
|
$5.63 Billion |
|
Sai MicroElectronics Inc
SHE:300456
|
$5.64 Billion |
|
bioMérieux S.A
PINK:BMXMF
|
$5.61 Billion |
|
Scout24 AG
PINK:SCOTF
|
$5.61 Billion |
|
Caitong Securities Co Ltd
SHG:601108
|
$5.61 Billion |
|
Tokyu Fudosan
F:T8F
|
$5.61 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Flagstar Financial, Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 8,167,000,000 to 8,144,000,000, a change of -23,000,000 (-0.3%).
- Net loss of 177,000,000 reduced equity.
- Other comprehensive income increased equity by 151,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $-177.00 Million | -2.17% |
| Other Comprehensive Income | $151.00 Million | +1.85% |
| Other Changes | $3.00 Million | +0.04% |
| Total Change | $- | -0.28% |
Book Value vs Market Value Analysis
This analysis compares Flagstar Financial, Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.72x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 2.45x to 0.72x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1993-12-31 | $5.74 | $14.04 | x |
| 1994-12-31 | $5.53 | $14.04 | x |
| 1995-12-31 | $6.18 | $14.04 | x |
| 1996-12-31 | $6.49 | $14.04 | x |
| 1997-12-31 | $5.85 | $14.04 | x |
| 1998-12-31 | $5.58 | $14.04 | x |
| 1999-12-31 | $5.42 | $14.04 | x |
| 2000-12-31 | $11.87 | $14.04 | x |
| 2001-12-31 | $21.28 | $14.04 | x |
| 2002-12-31 | $21.65 | $14.04 | x |
| 2003-12-31 | $43.91 | $14.04 | x |
| 2004-12-31 | $35.82 | $14.04 | x |
| 2005-12-31 | $38.00 | $14.04 | x |
| 2006-12-31 | $38.67 | $14.04 | x |
| 2007-12-31 | $40.33 | $14.04 | x |
| 2008-12-31 | $37.74 | $14.04 | x |
| 2009-12-31 | $45.75 | $14.04 | x |
| 2010-12-31 | $38.18 | $14.04 | x |
| 2011-12-31 | $38.28 | $14.04 | x |
| 2012-12-31 | $38.77 | $14.04 | x |
| 2013-12-31 | $39.17 | $14.04 | x |
| 2014-12-31 | $39.33 | $14.04 | x |
| 2015-12-31 | $39.65 | $14.04 | x |
| 2016-12-31 | $37.87 | $14.04 | x |
| 2017-12-31 | $41.85 | $14.04 | x |
| 2018-12-31 | $40.97 | $14.04 | x |
| 2019-12-31 | $43.24 | $14.04 | x |
| 2020-12-31 | $44.31 | $14.04 | x |
| 2021-12-31 | $45.54 | $14.04 | x |
| 2022-12-31 | $54.57 | $14.04 | x |
| 2023-12-31 | $35.17 | $14.04 | x |
| 2024-12-31 | $24.70 | $14.04 | x |
| 2025-12-31 | $19.61 | $14.04 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Flagstar Financial, Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -2.17%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -3.77%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 10.75x
- Recent ROE (-2.17%) is below the historical average (7.75%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1993 | 6.28% | 15.71% | 0.07x | 5.65x | $-7.18 Million |
| 1994 | 9.16% | 22.09% | 0.07x | 5.70x | $-1.73 Million |
| 1995 | 9.28% | 21.38% | 0.08x | 5.70x | $-1.56 Million |
| 1996 | 9.89% | 19.96% | 0.08x | 6.43x | $-240.00K |
| 1997 | 13.67% | 19.42% | 0.07x | 9.40x | $6.25 Million |
| 1998 | 18.01% | 19.65% | 0.08x | 11.69x | $11.96 Million |
| 1999 | 23.12% | 21.77% | 0.08x | 13.91x | $17.99 Million |
| 2000 | 7.96% | 12.46% | 0.04x | 15.32x | $-6.26 Million |
| 2001 | 10.63% | 20.33% | 0.06x | 9.36x | $6.15 Million |
| 2002 | 17.32% | 32.69% | 0.06x | 8.55x | $96.88 Million |
| 2003 | 11.27% | 35.41% | 0.04x | 8.17x | $36.51 Million |
| 2004 | 11.14% | 31.65% | 0.05x | 7.54x | $36.44 Million |
| 2005 | 8.78% | 23.05% | 0.05x | 7.91x | $-40.40 Million |
| 2006 | 6.30% | 15.51% | 0.05x | 7.72x | $-136.40 Million |
| 2007 | 6.67% | 17.28% | 0.05x | 7.31x | $-139.15 Million |
| 2008 | 1.85% | 4.86% | 0.05x | 7.69x | $-344.04 Million |
| 2009 | 7.43% | 24.27% | 0.04x | 7.85x | $-138.04 Million |
| 2010 | 9.79% | 24.21% | 0.05x | 7.45x | $-11.61 Million |
| 2011 | 8.62% | 23.14% | 0.05x | 7.55x | $-76.53 Million |
| 2012 | 8.86% | 24.13% | 0.05x | 7.80x | $-64.52 Million |
| 2013 | 8.29% | 24.81% | 0.04x | 8.14x | $-98.02 Million |
| 2014 | 8.40% | 25.55% | 0.04x | 8.40x | $-92.78 Million |
| 2015 | -0.79% | -2.48% | 0.04x | 8.48x | $-640.63 Million |
| 2016 | 8.09% | 27.12% | 0.04x | 7.99x | $-117.00 Million |
| 2017 | 6.86% | 25.64% | 0.04x | 7.23x | $-213.34 Million |
| 2018 | 6.35% | 23.71% | 0.03x | 7.80x | $-243.11 Million |
| 2019 | 5.89% | 20.91% | 0.04x | 7.99x | $-276.17 Million |
| 2020 | 7.47% | 28.89% | 0.03x | 8.23x | $-173.20 Million |
| 2021 | 8.46% | 34.06% | 0.03x | 8.45x | $-108.40 Million |
| 2022 | 7.37% | 29.84% | 0.02x | 10.22x | $-232.40 Million |
| 2023 | -0.94% | -1.31% | 0.05x | 13.63x | $-915.70 Million |
| 2024 | -13.69% | -17.51% | 0.06x | 12.26x | $-1.93 Billion |
| 2025 | -2.17% | -3.77% | 0.05x | 10.75x | $-991.40 Million |
Industry Comparison
This section compares Flagstar Financial, Inc.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $36,697,939,162
- Average return on equity (ROE) among peers: 12.97%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Flagstar Financial, Inc. (FLG) | $8.14 Billion | 6.28% | 9.75x | $5.62 Billion |
| Ameris Bancorp (ABCB) | $194.96 Million | -21.43% | 11.43x | $5.66 Billion |
| ACNB Corporation (ACNB) | $88.30 Million | 8.18% | 9.89x | $483.21 Million |
| Addiko Bank AG (ADBKF) | $801.10 Million | 5.13% | 6.68x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $80.78 Million | 3.82% | 9.53x | $135.98 Million |
| Absa Group Limited (AGRPF) | $119.06 Billion | 11.61% | 8.79x | $6.72 Billion |
| AIB Group plc (AIBGY) | $1.99 Billion | 18.11% | 16.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $240.38 Billion | 17.62% | 10.04x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $3.94 Billion | 12.99% | 15.56x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $14.03 Million | 56.41% | 9.40x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $425.03 Million | 17.26% | 13.86x | $248.47 Million |
About Flagstar Financial, Inc.
Flagstar Bank, National Association provides banking products and services in the United States. The company's deposit products include interest-bearing checking and money market, savings, and non-interest-bearing accounts, as well as certificates of deposit. Its loan products comprise multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial a… Read more