Flagstar Bancorp Long-Term Debt 2011-2026 | FBC

Long-term debt is a financial obligation of a company or an individual with a repayment period exceeding one year from the date it arises. In accounting, such obligations are recorded under the "long-term liabilities" section.

Main characteristics:

Term exceeds 12 months
Can take the form of bonds, bank loans, credit lines, leasing, or loans from affiliated parties
Repaid through regular payments (interest and/or principal) over several years

Why long-term debt is needed:

Investment in development
Allows financing of large projects — new factories, production lines, innovative developments — without diverting working capital.
Smoothing of cash flows
A long-term payment schedule facilitates budget planning and reduces short-term financial risks.
Optimization of capital structure
A combination of equity and borrowed capital can reduce the average cost of business financing.

A high level of long-term debt may indicate that a company heavily relies on borrowed funds. This increases risks, especially in conditions of rising interest rates or declining profits. However, a moderate level of debt can signal a sound growth strategy — for example, the company takes a loan to expand its business.

If a company uses borrowed funds effectively (e.g., invests in profitable projects), this can lead to profit growth and, consequently, an increase in stock value. An investor evaluates whether the investments made using debt are paying off.

It is important to monitor whether the company can regularly pay interest and repay the principal. Payment difficulties can lead to reduced dividends, a drop in stock value, and even bankruptcy.

Examples of long-term debt:

Mortgage loans for property purchases
Corporate bonds issued by a company to raise capital
Project financing — long-term loans for building or expanding production facilities
Leasing obligations for equipment or transport

Annual Long-Term Debt Flagstar Bancorp

2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
-	1.84 B	1.15 B	645 M	1.9 B	1.69 B	3.79 B	845 M	1.34 B	3.43 B	4.2 B

All numbers in USD currency

Indicator range from annual reports

Maximum	Minimum	Average
4.2 B	645 M	2.08 B

Quarterly Long-Term Debt Flagstar Bancorp

2022-Q4	2022-Q3	2022-Q2	2022-Q1	2021-Q4	2021-Q3	2021-Q2	2021-Q1	2020-Q4	2020-Q3	2020-Q2	2020-Q1	2019-Q4	2019-Q3	2019-Q2	2019-Q1	2018-Q4	2018-Q3	2018-Q2	2018-Q1	2017-Q4	2017-Q3	2017-Q2	2017-Q1	2016-Q4	2016-Q3	2016-Q2	2016-Q1	2015-Q4	2015-Q3	2015-Q2	2015-Q1	2014-Q4	2014-Q3	2014-Q2	2014-Q1	2013-Q4	2013-Q3	2013-Q2	2013-Q1	2012-Q4	2012-Q3	2012-Q2	2012-Q1	2011-Q4	2011-Q3	2011-Q2	2011-Q1
-	-	-	-	-	-	-	-	-	-	-	-	-	496 M	495 M	495 M	495 M	495 M	495 M	495 M	494 M	494 M	494 M	494 M	493 M	493 M	493 M	493 M	247 M	247 M	247 M	247 M	331 M	331 M	331 M	331 M	353 M	353 M	353 M	353 M	247 M	247 M	247 M	247 M	249 M	249 M	249 M	249 M

All numbers in USD currency

Indicator range from quarterly reporting

Maximum	Minimum	Average
496 M	247 M	375 M

Long-Term Debt of other stocks in the Banks regional industry

Issuer	Long-Term Debt	Price	% 24h	Market Cap	Country
Atlantic Capital Bancshares ACBI	73.8 M	-	-1.48 %	$ 566 M	USA
Signature Bank SBNY	3.67 B	-	-	$ 4.41 B	USA
American National Bankshares AMNB	35.5 M	-	-	$ 508 M	USA
Regions Financial Corporation RF	4.13 B	$ 25.31	-0.78 %	$ 22.6 B	USA
Allegiance Bancshares ABTX	264 M	-	-0.86 %	$ 1.51 B	USA
First Midwest Bancorp, Inc. FMBI	1.64 B	-	-1.2 %	$ 2.26 B	USA
Renasant Corporation RNST	500 M	$ 35.45	-1.91 %	$ 3.08 B	USA
Brookline Bancorp BRKL	1.52 B	-	-	$ 974 M	USA
Peoples Bancorp of North Carolina PEBK	15.6 M	$ 38.55	-0.1 %	$ 205 M	USA
Red River Bancshares RRBI	11.3 M	$ 89.82	-0.63 %	$ 654 M	USA
Riverview Bancorp RVSB	26.7 M	$ 5.57	0.72 %	$ 117 M	USA
Citizens Holding Company CIZN	18 M	-	-5.65 %	$ 49.5 M	USA
SB Financial Group SBFG	19.6 M	$ 20.4	-1.0 %	$ 130 M	USA
Southside Bancshares SBSI	300 M	$ 30.58	-1.31 %	$ 922 M	USA
Sound Financial Bancorp SFBC	11.6 M	$ 44.29	0.92 %	$ 113 M	USA
ServisFirst Bancshares SFBS	64.7 M	$ 72.7	-0.93 %	$ 3.96 B	USA
Simmons First National Corporation SFNC	335 M	$ 19.15	-1.29 %	$ 2.57 B	USA
Shore Bancshares SHBI	89.1 M	$ 18.12	-1.25 %	$ 605 M	USA
Shinhan Financial Group Co., Ltd. SHG	105 T	$ 61.36	0.72 %	$ 18.4 T	South-korea
Southern Missouri Bancorp SMBC	94.6 M	$ 62.76	-0.63 %	$ 705 M	USA
BankFinancial Corporation BFIN	4 M	-	-	$ 151 M	USA
Western New England Bancorp WNEB	206 M	$ 12.79	-0.47 %	$ 258 M	USA
South Plains Financial SPFI	168 M	$ 41.68	-0.45 %	$ 679 M	USA
Cadence Bancorporation CADE	373 M	-	-	$ 5.43 B	USA
Summit State Bank SSBI	59.4 M	$ 13.5	1.05 %	$ 81.9 M	USA
FFBW FFBW	7.5 M	-	-	$ 68.2 M	USA
The First of Long Island Corporation FLIC	472 M	-	0.25 %	$ 268 M	USA
FNCB Bancorp FNCB	200 M	-	-	$ 133 M	USA
Banco BBVA Argentina S.A. BBAR	1.17 B	-	-	$ 450 B	Argentina
Stock Yards Bancorp SYBT	26.8 M	$ 64.61	-1.25 %	$ 1.9 B	USA
CBTX CBTX	50 M	-	1.49 %	$ 1.51 B	USA
The Bancorp TBBK	10 M	$ 51.91	-1.03 %	$ 2.38 B	USA
Texas Capital Bancshares TCBI	621 M	$ 93.26	-1.5 %	$ 4.26 B	USA
TriCo Bancshares TCBK	75.7 M	$ 46.68	-1.27 %	$ 1.53 B	USA
CrossFirst Bankshares CFB	1.92 B	-	-	$ 784 M	USA
First Capital FCAP	10 M	$ 49.01	1.05 %	$ 164 M	USA
Spirit of Texas Bancshares, Inc. STXB	92.2 M	-	-0.23 %	$ 446 M	USA
Truist Financial Corporation TFC	42 B	$ 44.82	-0.33 %	$ 57.7 B	USA
TFS Financial Corporation TFSL	3.9 B	$ 13.66	-0.22 %	$ 3.81 B	USA
People's United Financial, Inc. PBCT	1.02 B	-	-	$ 8.34 B	USA
First Financial Corporation THFF	188 M	$ 62.28	-0.91 %	$ 738 M	USA
HomeStreet HMST	225 M	-	1.84 %	$ 262 M	USA
Tompkins Financial Corporation TMP	436 M	$ 76.69	-0.63 %	$ 1.09 B	USA
TowneBank TOWN	705 M	$ 33.36	-0.12 %	$ 2.4 B	USA
ESSA Bancorp ESSA	14.2 M	-	-	$ 196 M	USA
American River Bankshares AMRB	13.8 M	-	2.00 %	$ 125 M	USA
Bank of Commerce Holdings BOCH	25.3 M	-	-1.56 %	$ 254 M	USA
Bank7 Corp. BSVN	5.6 M	$ 39.78	-0.2 %	$ 364 M	USA
First Financial Northwest FFNW	120 M	-	-1.23 %	$ 206 M	USA