Analyst Coverage

Earnings Estimates

Year	Q1	Q2	Q3	Q4	Full Year	Number of Analysts Reporting
2024	-$1.36A	-$1.14A	-$0.79A	-$0.57	-$3.78	15
2025	-$0.26	-$0.14	-$0.01	$0.08	-$0.37	15

* Full-year estimates do not necessarily represent the sum of the quarterly estimates; however, this is how they were reported.

Covering Analysts

Firm	Analyst
Barclays Capital 745 Seventh Avenue - 30th Floor New York, NY 10019	Jared Shaw
BofA Securities One Bryant Park New York, NY 10036	Ebrahim Poonawala
Citi 388 Greenwich Street New York, NY 10013	Benjamin Gerlinger
D.A. Davidson 757 Third Avenue - 19th Floor New York, NY 10017	Peter J. Winter
Deutsche Bank 345 Park Avenue New York, NY 10154	Bernard von-Gizycki
Janney 1175 Peachtree Street NE - Suite 2250 Atlanta, GA 30361	Christopher Marinac
J.P. Morgan 383 Madison Avenue New York, NY 10179	Anthony Elian
Keefe, Bruyette & Woods, Inc. 787 Seventh Avenue - 4th Floor New York, NY 10019	Christopher McGratty
Morgan Stanley 1585 Broadway - 34th Floor New York, NY 10036	Manan Gosalia
Piper Sandler 1251 Avenue of The Americas – 6th Floor New York, NY 10020	Mark Fitzgibbon
Raymond James 880 Carillon Parkway St. Petersburg, FL 33716	Steve Moss
RBC Capital Markets 200 Vesey Street – 9th Floor New York, NY 10281	Jon G. Arfstrom
Stephens 111 Center Street Little Rock, AR 72201	Matthew Breese
UBS 1285 Avenue of the Americas New York, NY 10019	Nicholas Holowko
Wedbush 142 W. 57th Street - 12th Floor New York, NY 10019	David Chiaverini

Disclaimer: Information regarding analyst estimates and recommendations has been obtained from SNL Financial LC based on the earnings projections made by certain analysts who cover Flagstar Financial, Inc. Flagstar Financial, Inc. does not approve or review for accuracy any estimates, reports or statements by securities analysts about the Company. Please note that any opinions, estimates or forecasts regarding the performance of Flagstar Financial, Inc. made by these analysts (and therefore the estimates and recommendations on this page) are theirs alone and do not represent opinions, forecasts or predictions of Flagstar Financial, Inc. or its management. Flagstar Financial, Inc. does not by its reference above or distribution imply its endorsement of or concurrence with such information, conclusions or recommendations.