NYSE$FLG
Flagstar Financial Inc · Q4 2021 earnings
Q4 2021 earnings · · Investor relations
Briefing
Reported strong fourth-quarter results driven by record loan growth, a stable net interest margin, and continued deposit growth.
New York Community Bancorp reported net income of $150 million for Q4 2021, a decrease of 21% compared to the previous year. However, non-GAAP diluted EPS were $0.31, up 15% compared to the previous year. The company saw record quarterly loan growth, a stable net interest margin, and continued deposit growth.
- GAAP diluted EPS were $0.30 compared to $0.39 in the fourth quarter of last year.
- Non-GAAP diluted EPS were $0.31, up 15% compared to the $0.27 reported for the fourth quarter of last year.
- Loans 30 to 89 days past due declined $380 million or 85% on a linked-quarter basis.
- Asset quality remained stellar with NPAs totaling $41 million or seven bps of total assets.
Headline financials
Revenue & EPS history
Flagstar Financial · Revenue · Quarterly
$322M
Forward guidance
NYCB did not provide a specific financial outlook for the next quarter or fiscal year. The earnings release focused on the strength of their loan portfolio and the reinstatement of the share repurchase program.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2021
+0.1%
Avg return
Earnings day
-0.0%
Avg return
5 days after
-0.8%
Avg return
30 days after
49%
36 / 73 earnings
Positive
+27.2%
Q1 2024
Best reaction
-44.6%
Q4 2023
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -2.2% | -3.8% | -3.4% | |
| Q4 2025 | -2.2% | +3.5% | -6.3% | |
| Q3 2025 | +4.8% | -0.3% | -1.8% | |
| Q2 2025 | +0.0% | +0.8% | +5.8% | |
| Q1 2025 | +4.1% | +3.9% | +4.9% | |
| Q4 2024 | +15.3% | +23.9% | +25.0% | |
| Q3 2024 | +3.7% | -0.5% | +3.5% | |
| Q2 2024 | +2.6% | -3.1% | +3.2% | |
| Q1 2024 | +27.2% | +37.7% | +24.2% | |
| Q4 2023 | -44.6% | -48.0% | -65.8% | |
| Q3 2023 | -8.2% | -6.1% | -9.2% | |
| Q2 2023 | +10.3% | +9.9% | -4.4% | |
| Q1 2023 | +16.5% | +6.5% | +14.0% | |
| Q4 2022 | +5.0% | +4.2% | -11.6% | |
| Q3 2022 | -2.2% | +4.0% | +5.7% | |
| Q2 2022 | +12.9% | +13.3% | +7.3% | |
| Q1 2022 | -1.6% | -3.2% | +1.6% | |
| Q4 2021 | -4.0% | -4.3% | -5.3% | |
| Q3 2021 | -9.3% | -9.8% | -11.0% | |
| Q2 2021 | +7.8% | +7.4% | +13.9% | |
| Q1 2021 | +6.3% | -0.3% | -0.9% | |
| Q4 2020 | -2.3% | -4.2% | +11.4% | |
| Q3 2020 | -1.7% | +1.1% | +15.0% | |
| Q2 2020 | +5.1% | +0.1% | -11.0% | |
| Q1 2020 | +5.5% | +2.2% | -2.3% | |
| Q4 2019 | -5.7% | -5.1% | -7.8% | |
| Q3 2019 | -14.9% | -12.6% | -12.9% | |
| Q2 2019 | +3.5% | +2.1% | +3.0% | |
| Q1 2019 | -0.4% | +1.5% | -13.0% | |
| Q4 2018 | +6.9% | +9.0% | +16.4% | |
| Q3 2018 | -3.0% | -0.6% | +2.2% | |
| Q2 2018 | -7.5% | -5.1% | -5.6% | |
| Q1 2018 | -8.2% | -8.3% | -8.3% | |
| Q4 2017 | +1.9% | -3.0% | +1.5% | |
| Q3 2017 | -0.4% | -1.8% | -0.2% | |
| Q2 2017 | -3.4% | -1.4% | -9.0% | |
| Q1 2017 | -2.5% | -3.6% | -5.3% | |
| Q4 2016 | -6.3% | -6.1% | -4.6% | |
| Q3 2016 | +0.1% | -0.1% | +11.4% | |
| Q2 2016 | -3.1% | -1.8% | -0.7% | |
| Q1 2016 | -4.3% | — | — | |
| Q4 2015 | +2.7% | — | — | |
| Q3 2015 | -0.3% | — | — | |
| Q2 2015 | +1.5% | — | — | |
| Q1 2015 | +1.6% | — | — | |
| Q4 2014 | +0.3% | — | — | |
| Q3 2014 | +1.1% | — | — | |
| Q2 2014 | +2.8% | — | — | |
| Q1 2014 | -1.6% | — | — | |
| Q4 2013 | -2.2% | — | — | |
| Q3 2013 | +1.5% | — | — | |
| Q2 2013 | -1.0% | — | — | |
| Q1 2013 | -1.2% | — | — | |
| Q4 2012 | +1.0% | — | — | |
| Q3 2012 | -0.6% | — | — | |
| Q2 2012 | +0.8% | — | — | |
| Q1 2012 | -0.9% | — | — | |
| Q4 2011 | -0.2% | — | — | |
| Q3 2011 | -6.3% | — | — | |
| Q2 2011 | +3.2% | — | — | |
| Q1 2011 | +1.2% | — | — | |
| Q4 2010 | -3.2% | — | — | |
| Q3 2010 | +0.8% | — | — | |
| Q2 2010 | -0.2% | — | — | |
| Q1 2009 | +4.7% | — | — | |
| Q1 2010 | +0.0% | — | — | |
| Q4 2007 | +1.5% | — | — | |
| Q4 2009 | +1.5% | — | — | |
| Q4 2008 | +1.5% | — | — | |
| Q3 2009 | +1.8% | — | — | |
| Q3 2008 | +1.8% | — | — | |
| Q2 2008 | -5.6% | — | — | |
| Q2 2009 | -5.6% | — | — |
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