| Cash Flow | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|
| Stock-based compensation | 29 | 15 | 38 | 21 |
| Provision for credit losses | 143 | 79 | 947 | 705 |
| Other operating activities | 3 | - | - | - |
| Net (loss) | -170 | -100 | -930 | -650 |
| (decrease) increase in other miscellaneous liabilities | -533 | -641 | 125 | 50 |
| Decrease in other miscellaneous assets | -164 | 85 | 423 | -60 |
| Change in loans held for sale, net | -96 | -110 | 423 | -202 |
| Net gain on sales of loans and securitizations | 19 | 13 | 43 | 38 |
| Net loss on securities | - | - | 0 | 0 |
| Depreciation | 21 | 11 | 34 | 22 |
| Deferred tax expense | -80 | -26 | -229 | -153 |
| Amortization of intangibles | 55 | 28 | 105 | 68 |
| Amortization of discounts and premiums, net | 62 | 32 | 141 | 94 |
| Purchases of securities held for trading | - | - | 0 | 0 |
| Proceeds from sales of securities held for trading | - | - | 0 | 0 |
| Bargain purchase gain adjustment | 0 | 0 | -121 | -121 |
| Net cash (used in) provided by operating activities | -235 | -590 | -537 | 502 |
| Net proceeds from sales of msr's | 0 | 0 | 66 | 65 |
| Redemption of federal home loan bank stock | 131 | 86 | 217 | 6 |
| Proceeds from repayment of securities available for sale | 956 | 375 | 1,525 | 1,029 |
| Proceeds from bank-owned life insurance, net | 0 | 0 | 18 | 16 |
| Purchases of federal home loan bank and federal reserve bank stock | 2 | 1 | 189 | 179 |
| Purchase of securities available for sale | 5,326 | 2,669 | 2,607 | 2,407 |
| Other investing activities | -5 | - | - | -2,501 |
| Net change in loans held for investment, including loan sales | - | - | -11,733 | - |
| Cash acquired in business acquisition | - | - | 0 | 0 |
| Purchases of premises and equipment | 19 | 12 | - | - |
| Proceeds from sales of securities available for sale including loans that have been securitized | 578 | 271 | 269 | 201 |
| Other changes in loans, net | -3,841 | -1,525 | 33 | 60 |
| Net cash provided by investing activities | 164 | -425 | 10,999 | 1,172 |
| Repayments of long-term borrowed funds | 1,000 | 0 | 12,250 | 8,550 |
| Re-issuance of treasury stock | 0 | - | - | 4 |
| Net (increase) decrease in short-term borrowed funds | -750 | -250 | -940 | 5,370 |
| Proceeds from preferred stock issued, net | 0 | 0 | 1 | 258 |
| Proceeds from long-term borrowed funds | 500 | 0 | 12,250 | 10,800 |
| Proceeds from common stock and warrants issued, net | 0 | 0 | 1,003 | 742 |
| Payments relating to treasury shares received for restricted stock award tax payments | 5 | 4 | 10 | 9 |
| Cash dividends paid on preferred stock | 16 | 8 | 27 | 18 |
| Cash dividends paid on common stock | 8 | 4 | 48 | 45 |
| Net decrease in deposits | -6,132 | -1,967 | 1,476 | -2,501 |
| Net receipt (disbursement) of payments of loans serviced for others | -94 | -336 | 375 | 278 |
| Net cash (used in) provided by financing activities | -7,317 | -1,897 | 1,080 | 5,773 |
| Net (decrease) increase in cash, cash equivalents, and restricted cash | -7,388 | -2,912 | 11,542 | 7,447 |
FLAGSTAR FINANCIAL, INC. (FLG)
FLAGSTAR FINANCIAL, INC. (FLG)