← FLAGSTAR BANK, NATIONAL ASSOCIATION

Annual Trend FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 FY 2025 TTM
Total Revenue $1.4b
$1.3b -6.01%
$1.1b -16.66%
$1.0b -7.21%
$1.2b +11.48%
$1.4b +16.26%
$1.6b +21.70%
$5.8b +250.82%
$2.6b -55.73%
$2.1b -19.20%
$2.1b +1.36%
Noninterest income:
Interest Income (Expense), Net $1.3b
$1.1b -12.22%
$1.0b -8.76%
$957.4m -7.14%
$1.1b +14.91%
$1.3b +17.17%
$1.4b +8.30%
$3.1b +120.42%
$2.2b -30.06%
$1.7b -20.03%
$4.1b +139.34%
Selling, General and Administrative Expense $188.1m $181.3m $129.0m $120.3m $124.4m $127.0m $158.0m — — — $1.4b
Labor and Related Expense $351.4m $361.0m $317.5m $301.7m $300.9m $303.0m $354.0m $1.1b $1.3b $976.0m —
Amortization of Intangible Assets $2.4m $208k — — — — $5.0m $126.0m $136.0m $107.0m —
Operating Lease, Lease Income — — — $9.5m — — — — — — —
Noninterest expense:
Operating Costs and Expenses — — — — — — — $2.1b $2.6b $1.9b —
Operating Expenses $638.1m $641.2m $546.6m $511.2m — $518.0m $604.0m — — — —
Interest Expense $387.5m $452.2m $658.7m $847.8m $607.9m $400.0m $696.0m $2.4b — — $2.3b
Total interest expense — — — — — — — — $3.8b $2.7b —
Debt and Equity Securities, Gain (Loss) — — ($2.0m) $7.7m — — — ($1.0m) — $31.0m —
Debt and Equity Securities, Realized Gain (Loss) — — — — $1.3m — ($2.0m) — — — —
Debt Securities, Gain (Loss) — — — — — — — — — $30.0m —
Fair Value, Option, Changes in Fair Value, Gain (Loss) ($33.1m) ($19.2m) ($224k) — — — — $43.0m $47.0m $26.0m —
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $777.1m $668.2m $557.7m $523.3m $587.8m $806.0m $826.0m ($50.0m) ($1.4b) ($198.0m) $84.0m
Current Income Tax Expense (Benefit) $237.0m $180.6m $112.1m $27.5m ($142.6m) $223.0m $179.0m — — — $36.0m
Real Estate Tax Expense $5.0m $5.0m — — — — — — — — —
Income Tax Expense (Benefit) $281.7m $202.0m $135.3m $128.3m $76.7m $210.0m $176.0m $29.0m ($260.0m) ($21.0m) $36.0m
Net Income (Loss) Attributable to Parent $495.4m
$466.2m -5.89%
$422.4m -9.39%
$395.0m -6.48%
$511.1m +29.38%
$596.0m +16.61%
$650.0m +9.06%
($79.0m) -112.15%
($1.1b) -1315.19%
($177.0m) +84.17%
$15.0m +108.47%
Net Income (Loss) Available to Common Stockholders, Basic $491.6m
$441.6m -10.18%
$389.6m -11.77%
$362.2m -7.03%
$478.3m +32.04%
$563.0m +17.71%
$617.0m +9.59%
($112.0m) -118.15%
($1.2b) -929.46%
($210.0m) +81.79%
$15.0m +107.14%
Preferred Stock Dividends and Other Adjustments $3.8m — — — — — — — — — $33.0m
Preferred Stock Dividends, Income Statement Impact — $24.6m $32.8m $32.8m $32.8m $33.0m $33.0m $33.0m $35.0m $33.0m $33.0m
Earnings Per Share, Basic $3.03 $2.70 $2.37 $2.31 $3.06 $3.60 $3.78 ($0.48) ($3.49) ($0.50) $0.04
Earnings Per Share, Diluted $3.03 $2.70 $2.37 $2.31 $3.06 $3.60 $3.78 ($0.48) ($3.49) ($0.50) $0.03
Weighted Average Number of Shares Outstanding, Basic 161.7m 162.4m 162.4m 155.1m 154.2m 154.6m 161.2m 237.9m 330.7m 415.3m 416.1m
Weighted Average Number of Shares Outstanding, Diluted 161.7m 162.4m 162.4m 155.2m 154.4m 154.9m 161.7m 237.9m 330.7m 415.3m 442.9m
Additional Financial Items
Bank Owned Life Insurance Income $31.0m $27.1m $28.3m $28.4m $31.8m $29.0m $32.0m $43.0m $42.0m $49.0m —
Business Combination, Acquisition Related Costs — — — — — — — $330.0m — — —
Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal — — — — — — — $794.0m $1.1b $180.0m —
Goodwill, Impairment Loss $0 $0 — — $0 $0 $0 $2.4b $0 $0 $0

Amounts are shown in USD as reported in each fiscal year filing.

Values abbreviated: b = billions, m = millions, k = thousands. Per share data in USD.