Flagstar Financial is trading 5.4% lower at $10.82 after third-quarter results fell short of analyst expectations. - Earnings were $0.01 per share versus $0.07 estimated, while revenue of $530 million missed the roughly $546 million consensus. - Higher credit-loss provisions weighed on results, despite net interest margin expanding to 2.17%. - Management pushed the timeline for fully realizing its strategic objectives from 2027 to 2028, citing a higher-for-longer rate environment.