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Flagstar Bank FLG Loans modified after 12 months

Loans modified after 12 months at other companies

Provident Financial Services logo
Provident Financial ServicesPFS
$6.56M-54.2%
Customers Bancorp logo
Customers BancorpCUBI
Enterprise Financial Services logo
Enterprise Financial ServicesEFSC

Other financials

Income statement

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Revenue$10.0M+66.7%
Net income$21.0M+121%
EPS (diluted)$0.03+112%

Balance sheet

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Cash & equivalents$7.1B-44.0%
Total debt$23.6B+33.8%
Total equity$8.1B-0.4%
Total assets$87.1B-10.8%

Cash flow

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Operating cash flow-$118.0M+80.0%
CapEx$11.0M+1,000%
Free cash flow$3.0B+1,543%

Valuation

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Market cap$6.29B

Profitability

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Net margin2,407.4%-184pp
FCF margin3,788.9%

Returns & leverage

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Return on equity-4.7%-2.2pp
Debt / equity2.9×+0.7×

Where this comes from

Reported directly by Flagstar Bank in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months.

The official record: Flagstar Bank ’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Flagstar Bank 's loans modified after 12 months?
Flagstar Bank (FLG) reported loans modified after 12 months of $216M in Q1 2026.
How has Flagstar Bank 's loans modified after 12 months changed year-over-year?
Flagstar Bank 's loans modified after 12 months increased by 1170.6% year-over-year, from $17M to $216M.
What is the long-term trend for Flagstar Bank 's loans modified after 12 months?
Over 2 years (2023 to 2025), Flagstar Bank 's loans modified after 12 months has grown at a 42.7% compound annual growth rate (CAGR), from $27M to $55M.
What does loans modified after 12 months mean?
This metric represents the total recorded investment in loans that have undergone formal modification terms and have remained on the books for at least 12 months post-modification. It serves as an indicator of the long-term performance and stability of the bank's restructured loan portfolio. Monitoring this helps investors assess the effectiveness of loss mitigation strategies over an extended period.