# EDGAR Filing Document

**Accession Number:** 0001482776
**File Stem:** 0001482776-25-000004
**Filing Date:** 2025-7
**Character Count:** 8061
**Document Hash:** a1543bd73657085ec9438c938509b2f1
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001482776-25-000004.hdr.sgml**: 20250730

**ACCESSION NUMBER**: 0001482776-25-000004

**CONFORMED SUBMISSION TYPE**: 4

**PUBLIC DOCUMENT COUNT**: 1

**CONFORMED PERIOD OF REPORT**: 20250729

**FILED AS OF DATE**: 20250730

**DATE AS OF CHANGE**: 20250730

**REPORTING-OWNER**: 

**OWNER DATA:**
- **COMPANY CONFORMED NAME:** DiNello Alessandro
- **CENTRAL INDEX KEY:** 0001482776

**ORGANIZATION NAME:**

**FILING VALUES:**
- **FORM TYPE:** 4
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-31565
- **FILM NUMBER:** 251163995

**MAIL ADDRESS:**
- **STREET 1:** 5300 DEER RIDGE ROAD
- **CITY:** JACKSON
- **STATE:** MI
- **ZIP:** 49201
**ISSUER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FLAGSTAR FINANCIAL, INC.
- **CENTRAL INDEX KEY:** 0000910073
- **STANDARD INDUSTRIAL CLASSIFICATION:** SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 061377322
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**BUSINESS ADDRESS:**
- **STREET 1:** 102 DUFFY AVENUE
- **CITY:** HICKSVILLE
- **STATE:** NY
- **ZIP:** 11801
- **BUSINESS PHONE:** 5166834100

**MAIL ADDRESS:**
- **STREET 1:** 102 DUFFY AVENUE
- **CITY:** HICKSVILLE
- **STATE:** NY
- **ZIP:** 11801

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** NEW YORK COMMUNITY BANCORP, INC.
- **DATE OF NAME CHANGE:** 20240311

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** NEW YORK COMMUNITY BANCORP INC
- **DATE OF NAME CHANGE:** 20001128

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** QUEENS COUNTY BANCORP INC
- **DATE OF NAME CHANGE:** 19930802

### UNITED STATES SECURITIES AND EXCHANGE COMMISSION
**Washington, D.C. 20549**

## FORM 4

### STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

[ ] Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

[ ] Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

---

| | | |
|:---|:---|:---|
| **1. Name and Address of Reporting Person**<sup>*</sup><br>DiNello Alessandro<br><sub>(Last) (First) (Middle)</sub><br>102 DUFFY AVENUE<br><sub>(Street)</sub><br>HICKSVILLE, NY 11801<br><sub>(City) (State) (Zip)</sub> | **3. Date of Earliest Transaction (Month/Day/Year)**<br>2025-07-29 | **5. Relationship of Reporting Person(s) to Issuer**<br>(Check all applicable)<br>[X] Director [ ] 10% Owner<br>[ ] Officer (give title below) [ ] Other (specify below)<br>_ _ |
| **2. Issuer Name and Ticker or Trading Symbol**<br>FLAGSTAR FINANCIAL, INC. [ NYSE:FLG ] | **4. If Amendment, Date of Original Filed (Month/Day/Year)**<br>  | **6. Individual or Joint/Group Filing (Check Applicable Line)**<br>[X] Form filed by One Reporting Person<br>[ ] Form filed by More than One Reporting Person |

---

## Table I - Non-Derivative Securities

---

|  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1. Title of Security | 2. Transaction Date | 2A. Deemed Execution Date | 3. Transaction Code (V) | 3. Transaction Code (V) | 4. Securities Acquired (A) or Disposed of (D) | 4. Securities Acquired (A) or Disposed of (D) | 4. Securities Acquired (A) or Disposed of (D) | 5. Amount of Securities Beneficially Owned | 6. Ownership Form | 7. Nature of Indirect Beneficial Ownership |
| 1. Title of Security | 2. Transaction Date | 2A. Deemed Execution Date | Code | V | Amount | (A) or (D) | Price | 5. Amount of Securities Beneficially Owned | 6. Ownership Form | 7. Nature of Indirect Beneficial Ownership |
| Common Stock | 2025-07-29 |  | G |  | 40000 | D | $0 | 323776<sup>(1)</sup> | D |  |
| Common Stock |  |  |  |  |  |  |  | 358430 | I | By SLAT<sup>(2)</sup> |
| Common Stock |  |  |  |  |  |  |  | 276238 | I | By Wife's SLAT<sup>(3)</sup> |
| Common Stock |  |  |  |  |  |  |  | 126115 | I | By Wife's Trust<sup>(4)</sup> |
| Common Stock |  |  |  |  |  |  |  | 38946 | I | By CRUTrust<sup>(5)</sup> |
| Common Stock |  |  |  |  |  |  |  | 38101 | I | By IRA |
| Common Stock |  |  |  |  |  |  |  | 13336 | I | By Trust fbo gchild AD<sup>(6)</sup> |
| Common Stock |  |  |  |  |  |  |  | 13336 | I | By Trust fbo gchild DD<sup>(6)</sup> |
| Common Stock |  |  |  |  |  |  |  | 11917 | I | By Trust fbo gchild LeoG<sup>(6)</sup> |
| Common Stock |  |  |  |  |  |  |  | 9240 | I | By Trust fbo gchild MG<sup>(6)</sup> |
| Common Stock |  |  |  |  |  |  |  | 5225 | I | By Trust fbo LukeG<sup>(6)</sup> |

---

## Table II - Derivative Securities

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1. Title of Derivative Security | 2. Conversion or Exercise Price | 3. Transaction Date | 3A. Deemed Execution Date | 4. Transaction Code (V) | 4. Transaction Code (V) | 5. Number of Derivative Securities Acquired (A) or Disposed of (D) | 5. Number of Derivative Securities Acquired (A) or Disposed of (D) | 6. Date Exercisable and Expiration Date | 6. Date Exercisable and Expiration Date | 7. Title and Amount of Underlying Securities | 7. Title and Amount of Underlying Securities | 8. Price of Derivative Security | 9. Number of Derivative Securities Beneficially Owned | 10. Ownership Form | 11. Nature of Indirect Beneficial Ownership |
| 1. Title of Derivative Security | 2. Conversion or Exercise Price | 3. Transaction Date | 3A. Deemed Execution Date | Code | V | (A) | (D) | Date Exercisable | Expiration Date | Title | Amount or Number of Shares | 8. Price of Derivative Security | 9. Number of Derivative Securities Beneficially Owned | 10. Ownership Form | 11. Nature of Indirect Beneficial Ownership |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

### Footnotes:

(1) Total includes service based restricted stock units that will vest in shares of Issuer's common stock over the passage of time.

(2) Spousal Lifetime Access Trust (SLAT) wherein reporting person's spouse is initial trustee and beneficiary.

(3) Spousal Lifetime Access Trust (SLAT) wherein reporting person is initial trustee and beneficiary.

(4) The reporting person disclaims beneficial ownership of these securities, and the filing of this report is not an admission that the reporting person is the beneficial owner of these securities for purposes of Section 16 or for any other purpose.

(5) These shares are held in a charitable remainder unitrust of which the reporting person is a trustee and of which the reporting person and his wife are beneficiaries. The reporting person continues to report beneficial ownership of all of the New York Community Bancorp, Inc. common stock held by the trust but disclaims beneficial ownership except to the extent of his and his wife's pecuniary interest therein.

(6) These shares are held in a trust for the benefit of the reporting person's grandchild. The reporting person's spouse is a co-trustee of the trust. The reporting person disclaims beneficial ownership of these securities, and the filing of this report is not an admission that the reporting person is the beneficial owner of these securities for purposes of Section 16 or for any other purpose.

**Signature:** /s/ Jan M. Klym, by Power of Attorney  
**Date:** 2025-07-30

### Remarks:

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.

* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).

** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).

Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.

**Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.**