Flagstar Bank, N.A. (FLG) Margins & Profitability 2020-2026

Gross, EBITDA, operating, and net margin trends

Margins

Profit margins across the income statement

Gross Margin: 47.9%
EBITDA Margin: 1.2%
Op. Margin: -2.2%
Net Margin: 2.0%

Op. margin of -2.2% is up 13.9% YoY — cost efficiency is improving. Net margin at 2.0% and gross margin of 47.9% — earnings take a bigger bite when COGS stays lean..

Gross Margin (%)

Revenue left after direct cost of goods sold

EBITDA Margin (%)

Operating profitability independent of capital structure

Operating & Net Margins (%)

How much of each dollar becomes profit