FLGNYSESavings Institutions, Not Federally Chartered

Flagstar Bank, National Association (FLG) earnings date, market-implied expected move, and options open interest by expiry

10.50

Closed18:18 ET

Open10.50Volume6.3MMkt cap$4.4BP/E262.50EPS0.04Div yield0.38%

Day10.38 – 10.5569%52-wk9.93 – 15.4310%

FLG

Flagstar Bank, National Association

OpenVolumeMkt capP/EEPSDiv yield

Day – 52-wk –

Expected move

No implied move.

Expected move

Inputs

Next report

Jan 29

before open · in 89 days

est.Q4 FY26

Calendar

Next report

Last report

−9.27%

vs ±6.1% implied · ×1.52

shaded = implied · ▲▼ = realized

Oct 23 '26 · confirmed

Implied vs realized

Largest filed tie

—

13F top-10 QoQ

−8.82%

shares held · 10 largest managers

13F · Jun 30 '26124d lag

401 managers

Top fund weight

0.14%

FLG weight · IWM

N-PORTJun 30 '26

5 funds

Last reportshaded = implied▲▼ = realized× = |realized| ÷ implied

Flagstar Bank, National Association (FLG) is expected to report on Jan 29 before open (estimated date).

Implied vs realized

2 reports

—≥ implied

Q2 FY26Jul 24 '26confirmed—▼−5.85%—

Oct 23 '26Oct 23 '26confirmed±6.1%▼−9.27%×1.52

quarterimplied−10%0+10%realized×

Oct '26±6.1%▼−9.27%×1.52

Q2 FY26—▼−5.85%

Shaded = implied · tick ▲▼ = realized · × = |realized| ÷ impliedSource: options EOD · implied at prior close · realized close to close

Implied vs realized

Positioning

OI · 8 expiries · Oct 27 close

11.54OI · 8 expiries · Oct 27 closeP/C open interest · Mar 19 · first expiry after the report

PUTS · chgexpiry · days · P/CCALLS · chgP/C

4 nearer expiries

307—Nov 65d20.4715—20.47

10—Nov 1312d1.0010—1.00

7,462+58%Nov 2019d0.1743,237+1%0.17

50—Dec 433d16.673—16.67

207+71%Dec 1847d1.29160+82%1.29

61,9110%Jan 1575d0.9465,5810%0.94

report · Jan 29 · before open · est.

ExpiryPutsCallsP/C

4 nearer expiries

Nov 65d307—15—20.47

Nov 1312d10—10—1.00

Nov 2019d7,462

Hatched = puts · solid = calls · bars scaled per expiry · chg = OI vs prior sessionSource: options EOD

Positioning

Linked exposure

No implied move.

Linked exposure

Revenue flow

as filedQ2 FY26

6.59%as filednet margin · revenue +3.61% QoQ · +4.03% YoY

Revenue$516M+3.61%

Pre-tax income$48M+50.00%

Net income$34M6.59%+61.90%

Tax$14M+27.27%

Source: SEC filings · standardized · QE Jun 30 '26 · bars = % of revenue

Revenue flow

Intraday

15m bars

Hatch = extended hours · ▯ up · ▮ downSource: market data · 18:15 ET

Intraday

Event sensitivity

FOMC ×2.16· ±4.8% vs ±2.2% · 24 releases

eventrelease day|move|up · n×base

FOMCrate decision±4.8%9 of 24×2.16

GDPgross domestic product±2.3%10 of 19×1.02

PCEpersonal income & outlays±1.6%11 of 19×0.71

PPIproducer prices±1.3%6 of 11×0.59

CPROFcorporate profits±1.3%7 of 12×0.57

CPIconsumer prices±1.1%6 of 11×0.48

NFPjobs report±1.0%2 of 10×0.44

Bar = avg |move| to ±5% · tick = ±2.2% avg day · ×base = |move| ÷ ±2.2% · min 6 releases

Earnings history

EPS 0.06 · consensus —

Quarter	Reported	EPS	Consensus
Q2 FY26	Jul 24 '26 · confirmed	0.06	—
Q1 FY26	—	0.03	—

Source: filed financials

Methodology

ties · implied moves · holdersMethod