Flagstar Bank, National Association vs FNB
Flagstar Bank, National Association is the larger business, with $2.06bn of revenue in fiscal 2025 against $1.76bn for FNB (1.2 times as much). FNB grew faster (10.6% against -19.2%). FNB kept more of each dollar of sales as profit: a net margin of 32.0% against -8.6%.
| Latest fiscal year | Flagstar Bank, National AssociationFLG, 2025 | FNBFNB, 2025 |
|---|---|---|
| Revenue | $2.06bn | $1.76bn |
| Revenue growth | -19.2% | 10.6% |
| Net income | −$177m | $565m |
| Operating margin | — | — |
| Net margin | -8.6% | 32.0% |
| Return on equity | -2.2% | 8.7% |
| Free cash flow | −$181m | $376m |
| Cash | $5.98bn | $2.50bn |
| Total debt | $12.18bn | $3.92bn |
| Debt to equity | — | — |
| Dividend per share | $0.04 | $0.48 |
| Dividend yield | 0.4% | 2.8% |
| Share buybacks | — | $50.0m |
| Employees | — | — |
| Market value | $4.41bn | $6.55bn |
| Price vs our value range | — | — |
| Moat score | 42 (Weak) | 68 (Moderate) |
| Insider trades, 12 months | 1 buys, 0 sales | 0 buys, 4 sales |