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    <div style="text-align: center; font-weight: bold;">As filed with the Securities and Exchange Commission on May 16, 2025</div>
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    <div style="text-align: right; font-weight: bold;">Registration No. 333-__________</div>
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      <div style="text-align: center;"><font style="font-size: 14pt;">UNITED STATES</font></div>
      <div style="font-size: 10pt; font-weight: 400; text-align: left;">
        <div style="text-align: center; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
        <div style="text-align: center; font-size: 12pt; font-weight: bold;">Washington, D.C. 20549</div>
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          <div style="text-align: center; font-weight: bold;"><br>
            <font style="font-size: 18pt;">&#160;FORM S-8</font></div>
          <div style="text-align: center; font-weight: bold;"> <br>
          </div>
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          <div style="text-align: center; font-weight: bold;"> <br>
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          <div style="text-align: center; font-weight: bold;">&#160;REGISTRATION STATEMENT</div>
        </div>
        <div style="text-align: center; font-style: italic; font-weight: bold;">UNDER</div>
        <div style="text-align: center; font-style: italic; font-weight: bold;">THE SECURITIES ACT OF 1933</div>
        <div>
          <div>&#160;
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        <div style="text-align: center; font-weight: bold;"> <br>
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        <div style="text-align: center; font-weight: bold;">&#160;<font style="font-size: 24pt;">FLAGSTAR FINANCIAL, INC.</font></div>
        <div style="text-align: center; font-weight: bold;">(Exact name of registrant as specified in its charter)</div>
        <div style="text-align: center; font-weight: bold;"> <br>
        </div>
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          <div>&#160;</div>
        </div>
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                <div style="text-align: center; font-weight: bold;">Delaware</div>
              </td>
              <td colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td style="width: 49%; vertical-align: top;">
                <div style="text-align: center; font-weight: bold;">06-1377322</div>
              </td>
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            <tr>
              <td style="width: 49%; vertical-align: top;">
                <div style="text-align: center; font-weight: bold;">(State or other jurisdiction of incorporation or organization)</div>
              </td>
              <td colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td style="width: 49%; vertical-align: top;">
                <div style="text-align: center; font-weight: bold;">(IRS Employer Identification No.)</div>
              </td>
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        <div><br>
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                <div style="text-align: center; font-weight: bold;">102 Duffy Avenue, Hicksville, New York</div>
              </td>
              <td colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td style="width: 49%; vertical-align: bottom;">
                <div style="text-align: center; font-weight: bold;">11801</div>
              </td>
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              <td style="width: 49%; vertical-align: top;">
                <div style="text-align: center; font-weight: bold;">(Address of Principal Executive Offices)</div>
              </td>
              <td colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td style="width: 49%; vertical-align: top;">
                <div style="text-align: center; font-weight: bold;">(Zip Code)</div>
              </td>
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        </table>
        <div><br>
        </div>
        <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">Employment Inducement Executive Stock Option Grants</div>
        <div style="text-align: center; font-weight: bold;">&#160;(Full title of the plan)</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;">Joseph M. Otting</div>
        <div style="text-align: center; font-weight: bold;">President and Chief Executive Officer and Executive Chairman</div>
        <div style="text-align: center; font-weight: bold;">102 Duffy Avenue</div>
        <div style="text-align: center; font-weight: bold;">Hicksville, New York 11801</div>
        <div style="text-align: center; font-weight: bold;">(Name and address of agent for service)</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;">(516) 683-4100</div>
        <div style="text-align: center; font-weight: bold;">(Telephone number, including area code, of agent for service)</div>
        <div>
          <div><br>
          </div>
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        <div style="text-align: center; font-style: italic; font-weight: bold;">Copies To:</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;">Bao Nguyen</div>
        <div style="text-align: center; font-weight: bold;">Senior Executive Vice President, General Counsel and Chief of Staff</div>
        <div style="text-align: center; font-weight: bold;">102 Duffy Avenue</div>
        <div style="text-align: center; font-weight: bold;">Hicksville, New York 11801</div>
        <div style="text-align: center; font-weight: bold;">(516) 683-4100</div>
        <div><br>
        </div>
        <div style="text-align: center; font-weight: bold;">Edward G. Olifer</div>
        <div style="text-align: center; font-weight: bold;">Stephen F. Donahoe</div>
        <div style="text-align: center; font-weight: bold;">Eric S. Kracov</div>
        <div style="text-align: center; font-weight: bold;">Kilpatrick Townsend &amp; Stockton LLP</div>
        <div style="text-align: center; font-weight: bold;">701 Pennsylvania Avenue, NW, Suite 200</div>
        <div style="text-align: center; font-weight: bold;">Washington, DC 20004</div>
        <div style="text-align: center; font-weight: bold;">(202) 508-5800</div>
        <div style="text-align: center; font-weight: bold;"> <br>
        </div>
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          <div>&#160;</div>
        </div>
        <div>Indicate by check mark whether the Registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definitions of &#8220;large accelerated filer,&#8221;
          &#8220;accelerated filer,&#8221; &#8220;smaller reporting company,&#8221; and &#8220;emerging growth company&#8221; in Rule 12b-2 of the Exchange Act.</div>
        <div> <br>
        </div>
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              <td style="width: 18%; vertical-align: bottom;">
                <div>Large accelerated filer</div>
              </td>
              <td style="width: 57%; vertical-align: bottom;">&#9746;</td>
              <td style="width: 22%; vertical-align: bottom;">
                <div>Accelerated filer</div>
              </td>
              <td style="width: 3%; vertical-align: bottom;">&#9744;</td>
            </tr>
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              <td style="width: 18%; vertical-align: middle;">&#160;</td>
              <td style="width: 57%; vertical-align: middle;">&#160;</td>
              <td style="width: 22%; vertical-align: middle;">&#160;</td>
              <td style="width: 3%; vertical-align: middle;">&#160;</td>
            </tr>
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              <td style="width: 18%; vertical-align: bottom;">
                <div>Non-accelerated filer</div>
              </td>
              <td style="width: 57%; vertical-align: bottom;">&#9744;</td>
              <td style="width: 22%; vertical-align: bottom;">
                <div>Smaller reporting company</div>
              </td>
              <td style="width: 3%; vertical-align: bottom;">&#9744;</td>
            </tr>
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              <td style="width: 18%; vertical-align: middle;">&#160;</td>
              <td style="width: 57%; vertical-align: middle;">&#160;</td>
              <td style="width: 22%; vertical-align: middle;">&#160;</td>
              <td style="width: 3%; vertical-align: middle;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 18%; vertical-align: bottom;">&#160;</td>
              <td style="width: 57%; vertical-align: bottom;">&#160;</td>
              <td style="width: 22%; vertical-align: bottom;">
                <div>Emerging growth company</div>
              </td>
              <td style="width: 3%; vertical-align: bottom;">&#9744;</td>
            </tr>

        </table>
        <div>&#160;</div>
        <div>If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of the
          Securities Act.&#8194;&#9744;</div>
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        </div>
        <div style="text-align: center; font-weight: bold;">EXPLANATORY NOTE</div>
        <div>&#160;</div>
        <div style="text-indent: 24.5pt;">This Registration Statement is being filed on Form S-8 by the registrant, Flagstar Financial, Inc. (the &#8220;Company&#8221;), for the purpose of registering an aggregate of 9,000,000 shares of common stock, par value $0.01
          per share of the Company (the &#8220;Common Stock&#8221;) which may be issuable pursuant to one-time stock options (collectively, the &#8220;Executive Stock Option Grants&#8221;) granted as employment inducement awards in accordance with Section 303A.08 of the New York
          Stock Exchange (&#8220;NYSE&#8221;) Listed Company Manual to (i) Joseph M. Otting, President and Chief Executive Officer and Executive Chairman of the Company, (ii) Scott Shepherd, Senior Executive Vice President and Head of Commercial Real Estate of the
          Company, (iii) Bao Nguyen, Senior Executive Vice President, General Counsel and Chief of Staff of the Company, (iv) Kris Gagnon, Senior Executive Vice President and Chief Credit Officer of the Company and (v) Richard Raffetto, Senior Executive
          Vice President and President of Commercial and Private Banking of the Company.</div>
        <div>&#160;</div>
        <div style="text-indent: 24.5pt;">The Executive Stock Option Grants were employment inducement awards that were approved by the Company&#8217;s Board of Directors in compliance with and in reliance on Rule 303A.08 of the NYSE List Company Manual. The
          Executive Stock Option Grants were granted during the year ended December 31, 2024, outside of the Company&#8217;s existing equity incentive plans.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;">PART I</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;">INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS</div>
        <div>&#160;</div>
        <div style="text-indent: 24.5pt;">The information specified in Item 1 and Item 2 of Part I of this Registration Statement is omitted from this filing in accordance with the provisions of Rule 428 under the Securities Act of 1933, as amended (the
          &#8220;Securities Act&#8221;) and the introductory note to Part I of Form S-8. The documents containing the information specified in Part I of Form S-8 will be delivered to the participants in the Plan covered by this Registration Statement as specified by
          Rule 428(b)(1) of the Securities Act.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;">PART II</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;">INFORMATION REQUIRED IN THE REGISTRATION STATEMENT</div>
        <div style="text-align: center; font-weight: bold;"> <br>
        </div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="za26ca7f82552480782acf8710fb28b77">

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              <td style="width: 54pt; vertical-align: top; font-weight: bold;">Item&#8201;3.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Incorporation of Documents by Reference</div>
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        <div><br>
        </div>
        <div style="text-indent: 24.5pt;">The following documents filed with the U.S. Securities and Exchange Commission (the &#8220;SEC&#8221;) by the Company are incorporated by reference in this Registration Statement:</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z8295eaa455a64afbafafc53982d59a4b">

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              </td>
              <td style="width: 24pt; vertical-align: top;">(a)</td>
              <td style="width: auto; vertical-align: top;">
                <div>The Company&#8217;s Annual Report on <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/910073/000091007325000038/fbc-20241231.htm">Form 10-K</a> for the year ended December 31, 2024, filed with the SEC on March 4, 2025 (and the
                  related Notification of Late Filing on <a href="https://www.sec.gov/Archives/edgar/data/910073/000091007325000041/nt10-kform12bx25.htm">Form 12b-25</a> filed with the SEC in connection therewith on March 4, 2025);</div>
              </td>
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        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zaf4813968da84181a0511a0f1dda109e">

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              <td style="width: 30.55pt;"><br>
              </td>
              <td style="width: 24pt; vertical-align: top;">(b)</td>
              <td style="width: auto; vertical-align: top;">
                <div>The portions of the Company&#8217;s Definitive Proxy Statement on <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/910073/000114036125015714/ny20044040x1_def14a.htm">Schedule 14A</a>, filed with the SEC on April 25, 2025, that are
                  incorporated by reference in Part III of the Company&#8217;s Annual Report on Form 10-K for the year ended December 31, 2024;</div>
              </td>
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        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z6fcf7c195cd0403d9499d83a37389672">

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              <td style="width: 30.55pt;"><br>
              </td>
              <td style="width: 24pt; vertical-align: top;">(c)</td>
              <td style="width: auto; vertical-align: top;">
                <div>The Company&#8217;s Quarterly Report on <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/910073/000091007325000076/fbc-20250331.htm">Form 10-Q</a> for the quarter ended March 31, 2025, filed with the SEC on May 9, 2025;</div>
              </td>
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        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0dc4d05a0f05443080ba35ed9f49401b">

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              <td style="width: 30.55pt;"><br>
              </td>
              <td style="width: 24.5pt; vertical-align: top;">(d)</td>
              <td style="width: auto; vertical-align: top;">
                <div>The Company&#8217;s Current Report on <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/910073/000114036125009889/ef20045987_8ka.htm">Form 8-K</a> filed with the SEC on March 21, 2025 (amending, only with respect to Item 5.02, a
                  Current Report on <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/910073/000119312524063794/d803202d8k.htm">Form 8-K</a> filed on March 8, 2024) (except in all cases for the information in such Current Reports on Form 8-K that
                  has been furnished rather than filed in accordance with SEC rules); and</div>
              </td>
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        </table>
        <div> <br>
        </div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zbd84227668f74689b99d1dd6439ef09a">

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              <td style="width: 30.55pt;"><br>
              </td>
              <td style="width: 24.5pt; vertical-align: top;">(e)</td>
              <td style="width: auto; vertical-align: top;">
                <div>The description of the Company&#8217;s common stock set forth in the applicable Registration Statement on <a href="https://www.sec.gov/Archives/edgar/data/910073/000119312517085470/d359896d8a12b.htm">Form 8-A</a> filed pursuant to Section
                  12 of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;), including any amendment or report filed with the SEC for the purpose of updating such description.</div>
              </td>
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        </table>
        <div>&#160;</div>
        <div style="text-indent: 24.5pt;">In addition, all documents filed by the Company pursuant to Section 13(a), 13(c), 14 and 15(d) of the Exchange Act (other than those documents or portions of those documents that may be &#8220;furnished&#8221; and not filed
          with the SEC), subsequent to the effective date of this Registration Statement, prior to the filing of a post-effective amendment to this Registration Statement that indicates that all securities offered have been sold or that deregisters all
          securities then remaining unsold, shall be deemed to be incorporated by reference into this Registration Statement and to be a part hereof from the date of filing of such documents.</div>
        <div style="text-indent: 24.5pt;"> <br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
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        </div>
        <div style="text-indent: 24.5pt;">Any statement contained in this Registration Statement or in a document incorporated or deemed to be incorporated by reference herein shall be deemed to be modified or superseded for purposes of this Registration
          Statement to the extent that a statement contained or incorporated by reference herein or in any subsequently filed document that is deemed to be incorporated by reference herein modifies or supersedes such statement. Any such statement so
          modified or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this Registration Statement.</div>
        <div><br>
        </div>
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              <td style="width: 36pt; vertical-align: top; font-weight: bold;">Item&#8201;4.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;"> Description of Securities</div>
              </td>
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        </table>
        <div><br>
        </div>
        <div style="text-indent: 24.5pt;">Not applicable.</div>
        <div><br>
        </div>
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              <td style="width: 36pt; vertical-align: top; font-weight: bold;">Item&#8201;5.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Interests of Named Experts and Counsel</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="text-indent: 24.5pt;">Not applicable.</div>
        <div><br>
        </div>
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              <td style="width: 36pt; vertical-align: top; font-weight: bold;">Item&#8201;6.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;"> Indemnification of Directors and Officers</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="text-indent: 24.5pt;">Section 145 of the General Corporation Law of the State of Delaware (the &#8220;DGCL&#8221;) permits, under certain circumstances, the indemnification of any person who was or is a party, or is threatened to be made a party,
          to any threatened, pending, or completed action, suit, or proceeding, whether civil, criminal, administrative, or investigative (other than an action by or in the right of the corporation) by reason of the fact that such person is or was a
          director, officer, employee, or agent of the corporation, or is or was serving in a similar capacity for another enterprise at the request of the corporation if such person acted in good faith and in a manner such person reasonably believed to be
          in, or not opposed to, the best interests of the corporation, and, with respect to any criminal proceedings, had no reasonable cause to believe that his or her conduct was unlawful. To the extent that a present or former director or officer of
          the corporation has been successful in defending any such proceeding, the DGCL provides that such person shall be indemnified against expenses (including attorneys&#8217; fees), actually and reasonably incurred by such person in connection therewith.
          With respect to a proceeding by or in the right of the corporation, such person may be indemnified against expenses (including attorneys&#8217; fees), actually and reasonably incurred, if such person acted in good faith and in a manner such person
          reasonably believed to be in, or not opposed to, the best interests of the corporation. The DGCL provides, however, that indemnification shall not be permitted in such a proceeding if such person is adjudged liable to the corporation unless, and
          only to the extent that, the Delaware Court of Chancery or the court in which such action or suit was brought determines upon application that, despite the adjudication of liability, in view of all the circumstances of the case, such person is
          fairly and reasonably entitled to indemnity for such expenses which such court deems proper. Except with respect to mandatory indemnification of expenses to successful defendants as described above or pursuant to a court order, the
          indemnification described in this paragraph may be made only upon a determination in each specific case (1) by majority vote of the directors that are not parties to the proceeding, even though less than a quorum, (2) by a committee of the
          directors that are not a party to the proceeding who have been appointed by a majority vote of directors who are not party to the proceeding, even though less than a quorum, (3) if there are no such directors, or if such directors so direct, by
          independent legal counsel in a written opinion, or (4) by the stockholders. The DGCL permits a corporation to advance expenses incurred by a proposed indemnitee in advance of final disposition of the proceeding, provided that the indemnitee
          undertakes to repay such advanced expenses if it is ultimately determined that he or she is not entitled to indemnification. Also, a corporation may purchase insurance on behalf of an indemnitee against any liability asserted against him or her
          in his or her designated capacity, whether or not the corporation itself would be empowered to indemnify him or her against such liability.</div>
        <div> <br>
        </div>
        <div style="text-indent: 24.5pt;">The Company has adopted provisions in its Amended and Restated Certificate of Incorporation that provide for indemnification of its officers and directors to the maximum extent permitted under the DGCL, provided
          that, except for proceedings to enforce rights to indemnification, the Company will indemnify an indemnitee in connection with a proceeding initiated by that person only if the proceeding was authorized by the board of directors. As authorized by
          the DGCL, under the Company&#8217;s Amended and Restated Certificate of Incorporation, no director shall be personally liable to the Company or its stockholders for monetary damages for breach of fiduciary duty as a director, except for liability (1)
          for any breach of the director&#8217;s duty of loyalty, (2) for acts or omissions not in good faith or which involve intentional misconduct or a knowing violation of law, (3) under DGCL Section 174 (concerning unlawful distributions to stockholders),
          or (4) for any transaction from which the director derived an improper personal benefit. The Company&#8217;s Amended and Restated Certificate of Incorporation further provides that if the DGCL is amended to authorize corporate action further
          eliminating or limiting the personal liability of directors, then the liability of a director of the corporation shall be eliminated or limited to the fullest extent permitted by the DGCL as so amended. The Company has purchased an insurance
          policy that purports to insure the officers and directors of the Company against certain liabilities incurred by them in the discharge of their functions as such officers and directors.</div>
        <div style="text-indent: 24.5pt;"> <br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-indent: 24.5pt;">The foregoing is only a general summary of certain aspects of Delaware law and the Company&#8217;s Amended and Restated Certificate of Incorporation and Amended and Restated Bylaws dealing with indemnification of
          directors and officers, and does not purport to be complete. It is qualified in its entirety by reference to the detailed provisions of those Sections of the DGCL referenced above and the Company&#8217;s Amended and Restated Certificate of
          Incorporation and Amended and Restated Bylaws.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z5eab24f885234167a398cd931dc5899b">

            <tr>
              <td style="width: 36pt; vertical-align: top; font-weight: bold;">Item&#8201;7.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;"> Exemption from Registration Claimed</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="text-indent: 24.5pt;">Not applicable.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z515698e8a2804ac7bace260eb3167fc1">

            <tr>
              <td style="width: 36pt; vertical-align: top; font-weight: bold;">Item&#8201;8.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;"> Exhibits</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="text-indent: 24.5pt;">For the list of exhibits, see the Exhibit Index to this Registration Statement, which is incorporated herein by reference.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zaaa8cffc799a4b289031af5d6ea2707e">

            <tr>
              <td style="width: 36pt; vertical-align: top; font-weight: bold;">Item&#8201;9.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;"> Undertakings</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="ze653ed9a680442ed998e5eae85315a6d">

            <tr>
              <td style="width: 24.5pt; vertical-align: top;">(a)</td>
              <td style="vertical-align: top; width: auto;">
                <div>The undersigned Registrant hereby undertakes:</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb57acdd2e6a84e6395b8c1ea4929ccf1">

            <tr>
              <td style="width: 30.55pt;"><br>
              </td>
              <td style="width: 24.5pt; vertical-align: top;">(1)</td>
              <td style="width: auto; vertical-align: top;">
                <div>To file, during any period in which offers or sales are being made, a post-effective amendment to this Registration Statement:</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z8a3feec9d1d14a0183011f513e771634">

            <tr>
              <td style="width: 55.05pt;"><br>
              </td>
              <td style="width: 24.5pt; vertical-align: top;">(i)</td>
              <td style="width: auto; vertical-align: top;">
                <div>To include any prospectus required by Section 10(a)(3) of the Securities Act;</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z1a9006a0329c448abcd45442b354e039">

            <tr>
              <td style="width: 55.05pt;"><br>
              </td>
              <td style="width: 24.5pt; vertical-align: top;">(ii)</td>
              <td style="width: auto; vertical-align: top;">
                <div>To reflect in the prospectus any facts or events arising after the effective date of the Registration Statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental
                  change in the information set forth in the Registration Statement; and</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z74c2fc01592b4b939de227cff2e71d60">

            <tr>
              <td style="width: 55.05pt;"><br>
              </td>
              <td style="width: 24.5pt; vertical-align: top;">(iii)</td>
              <td style="width: auto; vertical-align: top;">
                <div>To include any material information with respect to the plan of distribution not previously disclosed in the Registration Statement or any material change to such information in the Registration Statement;</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="margin-left: 55.05pt;"><font style="font-style: italic;">provided, however</font>, that paragraphs (a)(1)(i) and (a)(1)(ii) above shall not apply if the information required to be included in a post-effective amendment by those
          paragraphs is contained in periodic reports filed with or furnished to the SEC by the Registrant pursuant to Section 13 or 15(d) of the Exchange Act that are incorporated by reference in the Registration Statement.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z091157bf93ee4b719adbcea6fcc56ae5">

            <tr>
              <td style="width: 30.55pt;"><br>
              </td>
              <td style="width: 24.5pt; vertical-align: top;">(2)</td>
              <td style="width: auto; vertical-align: top;">
                <div>That, for the purpose of determining any liability under the Securities Act, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such
                  securities at that time shall be deemed to be the initial bona fide offering thereof.</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb2c5300d37844bb48497bb17b6788787">

            <tr>
              <td style="width: 30.55pt;"><br>
              </td>
              <td style="width: 24.5pt; vertical-align: top;">(3)</td>
              <td style="width: auto; vertical-align: top;">
                <div>To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering.</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z5f63110015084990bf7b32d78c5ea2f7">

            <tr>
              <td style="width: 24.5pt; vertical-align: top;">(b)</td>
              <td style="width: auto; vertical-align: top;">
                <div>The undersigned Registrant hereby undertakes that, for purposes of determining any liability under the Securities Act, each filing of the Registrant&#8217;s annual report pursuant to Section 13(a) or 15(d) of the Exchange Act (and, where
                  applicable, each filing of an employee benefit plan&#8217;s annual report pursuant to Section 15(d) of the Exchange Act) that is incorporated by reference in the Registration Statement shall be deemed to be a new Registration Statement relating
                  to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zf95cc77ef97d4f699f2bfd43b1ddf8f6">

            <tr>
              <td style="width: 24.5pt; vertical-align: top;">(c)</td>
              <td style="width: auto; vertical-align: top;">
                <div>Insofar as indemnification for liabilities arising under the Securities Act may be permitted to directors, officers and controlling persons of the Registrant pursuant to the foregoing provisions, or otherwise, the Registrant has been
                  advised that in the opinion of the SEC such indemnification is against public policy as expressed in the Securities Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than
                  the payment by the Registrant of expenses incurred or paid by a director, officer or controlling person of the Registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling
                  person in connection with the securities being registered, the Registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether
                  such indemnification by it is against public policy as expressed in the Securities Act and will be governed by the final adjudication of such issue.</div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: center; font-weight: bold;">EXHIBIT INDEX</div>
        <div> <br>
        </div>
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="zd4754cc3d8f644718c9600407cd34027">

            <tr>
              <td nowrap="nowrap" style="width: 7%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center; font-weight: bold;">Exhibit</div>
                <div style="text-align: center; font-weight: bold;">No.</div>
              </td>
              <td colspan="1" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
              <td style="width: 92%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="font-weight: bold;">Description <br>
                </div>
              </td>
            </tr>
            <tr>
              <td style="width: 7%; vertical-align: middle; background-color: rgb(204, 238, 255);">
                <div style="text-align: center;">4.1</div>
              </td>
              <td colspan="1" style="width: 1%; vertical-align: middle; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 92%; vertical-align: middle; background-color: rgb(204, 238, 255);">
                <div style="color: rgb(0, 0, 0);"><a href="https://www.sec.gov/Archives/edgar/data/910073/000100547701003143/0001005477-01-003143-0001.txt">Amended and Restated Certificate of Incorporation<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></a></div>
              </td>
            </tr>
            <tr>
              <td style="width: 7%; vertical-align: middle; text-align: center;">&#160;</td>
              <td colspan="1" style="width: 1%; vertical-align: middle;">&#160;</td>
              <td style="width: 92%; vertical-align: middle;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 7%; vertical-align: middle; background-color: rgb(204, 238, 255);">
                <div style="text-align: center;">4.2</div>
              </td>
              <td colspan="1" style="width: 1%; vertical-align: middle; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 92%; vertical-align: middle; background-color: rgb(204, 238, 255);">
                <div><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312504042069/dex32.htm">Certificates of Amendment of Amended and Restated Certificate of Incorporation<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></a></div>
              </td>
            </tr>
            <tr>
              <td style="width: 7%; vertical-align: middle; text-align: center;"><br>
              </td>
              <td colspan="1" style="width: 1%; vertical-align: middle;">&#160;</td>
              <td style="width: 92%; vertical-align: middle;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 7%; vertical-align: middle; background-color: rgb(204, 238, 255);">
                <div style="text-align: center;">4.3</div>
              </td>
              <td colspan="1" style="width: 1%; vertical-align: middle; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 92%; vertical-align: middle; color: rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
                <div style="background-color: rgb(204, 238, 255); font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312516556857/d188430dex31.htm">Certificate of Amendment of Amended and Restated Certificate of Incorporation<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(3)</sup></a></div>
              </td>
            </tr>
            <tr>
              <td style="width: 7%; vertical-align: middle; text-align: center;">&#160;</td>
              <td colspan="1" style="width: 1%; vertical-align: middle;">&#160;</td>
              <td style="width: 92%; vertical-align: middle;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 7%; vertical-align: middle; background-color: rgb(204, 238, 255);">
                <div style="text-align: center;">4.4</div>
              </td>
              <td colspan="1" style="width: 1%; vertical-align: middle; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 92%; vertical-align: middle; background-color: rgb(204, 238, 255);">
                <div><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312524157842/d830699dex31.htm">Certificate of Amendment of Amended and Restated Certificate of Incorporation<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(4)</sup></a></div>
              </td>
            </tr>
            <tr>
              <td style="width: 7%; vertical-align: middle; text-align: center;">&#160;</td>
              <td colspan="1" style="width: 1%; vertical-align: middle;">&#160;</td>
              <td style="width: 92%; vertical-align: middle;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 7%; vertical-align: middle; background-color: rgb(204, 238, 255);">
                <div style="text-align: center;">4.5</div>
              </td>
              <td colspan="1" style="width: 1%; vertical-align: middle; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 92%; vertical-align: middle; background-color: rgb(204, 238, 255);">
                <div><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312524179714/d835051dex31.htm">Certificate of Amendment of Amended and Restated Certificate of Incorporation<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(5)</sup></a></div>
              </td>
            </tr>
            <tr>
              <td style="width: 7%; vertical-align: middle; text-align: center;">&#160;</td>
              <td colspan="1" style="width: 1%; vertical-align: middle;">&#160;</td>
              <td style="width: 92%; vertical-align: middle;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 7%; vertical-align: middle; background-color: rgb(204, 238, 255);">
                <div style="text-align: center;">4.6</div>
              </td>
              <td colspan="1" style="width: 1%; vertical-align: middle; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 92%; vertical-align: middle; background-color: rgb(204, 238, 255);">
                <div><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312524237666/d840528dex3i.htm">Certificate of Amendment of Amended and Restated Certificate of Incorporation<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(6)</sup></a></div>
              </td>
            </tr>
            <tr>
              <td style="width: 7%; vertical-align: middle; text-align: center;">&#160;</td>
              <td colspan="1" style="width: 1%; vertical-align: middle;">&#160;</td>
              <td style="width: 92%; vertical-align: middle;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 7%; vertical-align: middle; background-color: rgb(204, 238, 255);">
                <div style="text-align: center;">4.7</div>
              </td>
              <td colspan="1" style="width: 1%; vertical-align: middle; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 92%; vertical-align: middle; background-color: rgb(204, 238, 255);">
                <div><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312524237666/d840528dex3ii.htm">Amended and Restated Bylaws<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(7)</sup></a></div>
              </td>
            </tr>
            <tr>
              <td style="width: 7%; vertical-align: middle; text-align: center;">&#160;</td>
              <td colspan="1" style="width: 1%; vertical-align: middle;">&#160;</td>
              <td style="width: 92%; vertical-align: middle;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 7%; vertical-align: middle; background-color: rgb(204, 238, 255);">
                <div style="text-align: center;">4.8</div>
              </td>
              <td colspan="1" style="width: 1%; vertical-align: middle; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 92%; vertical-align: middle; background-color: rgb(204, 238, 255);">
                <div><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312517338619/d419523dex41.htm">Form of Common Stock Certificate<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(8)</sup></a></div>
              </td>
            </tr>
            <tr>
              <td style="width: 7%; vertical-align: middle; text-align: center;">&#160;</td>
              <td colspan="1" style="width: 1%; vertical-align: middle;">&#160;</td>
              <td style="width: 92%; vertical-align: middle;">&#160;</td>
            </tr>
            <tr>
              <td nowrap="nowrap" style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: center;">5.1</div>
              </td>
              <td colspan="1" style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 92%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div><a href="ef20049033_ex5-1.htm">Opinion of Kilpatrick Townsend &amp; Stockton LLP*</a></div>
              </td>
            </tr>
            <tr>
              <td style="width: 7%; vertical-align: middle; text-align: center;">&#160;</td>
              <td colspan="1" style="width: 1%; vertical-align: middle;">&#160;</td>
              <td style="width: 92%; vertical-align: middle;">&#160;</td>
            </tr>
            <tr>
              <td nowrap="nowrap" style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: center;">23.1</div>
              </td>
              <td colspan="1" style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 92%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div><a href="ef20049033_ex23-1.htm">Consent of KPMG LLP*</a></div>
              </td>
            </tr>
            <tr>
              <td style="width: 7%; vertical-align: middle; text-align: center;">&#160;</td>
              <td colspan="1" style="width: 1%; vertical-align: middle;">&#160;</td>
              <td style="width: 92%; vertical-align: middle;">&#160;</td>
            </tr>
            <tr>
              <td nowrap="nowrap" style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: center;">23.2</div>
              </td>
              <td colspan="1" style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 92%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div><a href="ef20049033_ex5-1.htm">Consent of Kilpatrick Townsend &amp; Stockton LLP (included in the opinion filed as Exhibit 5.1 and incorporated
                    herein by reference)*</a></div>
              </td>
            </tr>
            <tr>
              <td style="width: 7%; vertical-align: middle; text-align: center;">&#160;</td>
              <td colspan="1" style="width: 1%; vertical-align: middle;">&#160;</td>
              <td style="width: 92%; vertical-align: middle;">&#160;</td>
            </tr>
            <tr>
              <td nowrap="nowrap" style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: center;">24.1</div>
              </td>
              <td colspan="1" style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 92%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div><a href="#POWEROFATTORNEY">Power of Attorney (included on the signature page)*</a></div>
              </td>
            </tr>
            <tr>
              <td style="width: 7%; vertical-align: middle; text-align: center;">&#160;</td>
              <td colspan="1" style="width: 1%; vertical-align: middle;">&#160;</td>
              <td style="width: 92%; vertical-align: middle;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 7%; vertical-align: middle; background-color: rgb(204, 238, 255);">
                <div style="text-align: center;">99.1</div>
              </td>
              <td colspan="1" style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 92%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="color: rgb(0, 0, 0);"><a href="ef20049033_ex99-1.htm">Form of Executive Stock Option Grant Notice*</a></div>
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              <td style="width: 92%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div><a href="ef20049033_ex107.htm">Filing Fee Table*</a></div>
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              <td style="width: 24.5pt; vertical-align: top;">*</td>
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                <div>Filed herewith.</div>
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                  <div style="color: rgb(0, 0, 0);"> Incorporated by reference to Exhibit 3.1 to the Company&#8217;s Quarterly Report on Form 10-Q for the quarterly period ended March&#160; 31, 2001 (File No. 0-22278), as filed with the Securities and Exchange
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                  <div style="color: rgb(0, 0, 0);"> Incorporated by reference to Exhibit 3.2 to the Company&#8217;s Annual Report on Form 10-K for the year ended December 31, 2003&#160; (File No. 1-31565), as filed with the Securities and Exchange Commission on
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                  <div style="color: rgb(0, 0, 0);"> Incorporated by reference to Exhibit 3.1 to the Company&#8217;s Current Report on Form 8-K filed with the Securities and Exchange&#160; Commission on April 27, 2016 (File No. 1-31565).</div>
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                <div style="color: rgb(0, 0, 0);">Incorporated by reference to Exhibit 3.1 to the Company&#8217;s Current Report on Form 8-K filed with the Securities and Exchange Commission on June 10, 2024 (File No. 1-31565).</div>
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                <div>Incorporated by reference to Exhibit 3.1 to the Company&#8217;s Current Report on Form 8-K filed with the Securities and Exchange Commission on July 16, 2024 (File No. 1-31565).</div>
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                <div style="color: rgb(0, 0, 0);">Incorporated by reference to Exhibit 3(i) to the Company&#8217;s Current Report on Form 8-K filed with the Securities and Exchange Commission on October 15, 2024 (File No. 1-31565).</div>
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                <div style="color: rgb(0, 0, 0);">Incorporated by reference to Exhibit 3(ii) to the Company&#8217;s Current Report on Form 8-K filed with the Securities and Exchange Commission on October 15, 2024 (File No. 1-31565).</div>
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                <div style="color: rgb(0, 0, 0);">Incorporated by reference to Exhibit 4.1 of the Company&#8217;s Quarterly Report on Form 10-Q (File No. 1-31565), as filed with the Securities and Exchange Commission on November 9, 2017.</div>
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        <div>&#160;</div>
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        <div style="text-indent: 24.5pt;">Pursuant to the requirements of the Securities Act of 1933, as amended, the Registrant certifies that it has reasonable grounds to believe that it meets all of the requirements for filing on Form S-8 and has duly
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        <div style="text-indent: 24.5pt;">We, the undersigned directors and officers of Flagstar Financial, Inc. hereby severally constitute and appoint Joseph M. Otting, Lee M. Smith and Bao Nguyen as the true and lawful attorneys-in-fact and agents, with
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        <div style="text-indent: 24.5pt;">Pursuant to the requirements of the Securities Act of 1933, as amended, this Registration Statement has been signed below by the following persons in the capacities indicated on this 16th day of May, 2025.</div>
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                <div>/s/ Joseph M. Otting</div>
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                <div>Joseph M. Otting</div>
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                <div>Bryan L. Marx</div>
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As filed with the Securities and Exchange Commission on May 16, 2025
Registration No. 333-__________
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM S-8
REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF 1933
FLAGSTAR FINANCIAL, INC.
(Exact name of registrant as specified in its charter)
Delaware
06-1377322
(State or other jurisdiction of incorporation or organization)
(IRS Employer Identification No.)
102 Duffy Avenue, Hicksville, New York
11801
(Address of Principal Executive Offices)
(Zip Code)
Employment Inducement Executive Stock Option Grants
(Full title of the plan)
Joseph M. Otting
President and Chief Executive Officer and Executive Chairman
102 Duffy Avenue
Hicksville, New York 11801
(Name and address of agent for service)
(516) 683-4100
(Telephone number, including area code, of agent for service)
Copies To:
Bao Nguyen
Senior Executive Vice President, General Counsel and Chief of Staff
102 Duffy Avenue
Hicksville, New York 11801
(516) 683-4100
Edward G. Olifer
Stephen F. Donahoe
Eric S. Kracov
Kilpatrick Townsend & Stockton LLP
701 Pennsylvania Avenue, NW, Suite 200
Washington, DC 20004
(202) 508-5800
Indicate by check mark whether the Registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definitions of "large accelerated filer,"
          "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act.
Large accelerated filer
☒
Accelerated filer
☐
Non-accelerated filer
☐
Smaller reporting company
☐
Emerging growth company
☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of the
          Securities Act. ☐
EXPLANATORY NOTE
This Registration Statement is being filed on Form S-8 by the registrant, Flagstar Financial, Inc. (the "Company"), for the purpose of registering an aggregate of 9,000,000 shares of common stock, par value $0.01
          per share of the Company (the "Common Stock") which may be issuable pursuant to one-time stock options (collectively, the "Executive Stock Option Grants") granted as employment inducement awards in accordance with Section 303A.08 of the New York
          Stock Exchange ("NYSE") Listed Company Manual to (i) Joseph M. Otting, President and Chief Executive Officer and Executive Chairman of the Company, (ii) Scott Shepherd, Senior Executive Vice President and Head of Commercial Real Estate of the
          Company, (iii) Bao Nguyen, Senior Executive Vice President, General Counsel and Chief of Staff of the Company, (iv) Kris Gagnon, Senior Executive Vice President and Chief Credit Officer of the Company and (v) Richard Raffetto, Senior Executive
          Vice President and President of Commercial and Private Banking of the Company.
The Executive Stock Option Grants were employment inducement awards that were approved by the Company's Board of Directors in compliance with and in reliance on Rule 303A.08 of the NYSE List Company Manual. The
          Executive Stock Option Grants were granted during the year ended December 31, 2024, outside of the Company's existing equity incentive plans.
PART I
INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS
The information specified in Item 1 and Item 2 of Part I of this Registration Statement is omitted from this filing in accordance with the provisions of Rule 428 under the Securities Act of 1933, as amended (the
          "Securities Act") and the introductory note to Part I of Form S-8. The documents containing the information specified in Part I of Form S-8 will be delivered to the participants in the Plan covered by this Registration Statement as specified by
          Rule 428(b)(1) of the Securities Act.
PART II
INFORMATION REQUIRED IN THE REGISTRATION STATEMENT
Item 3.
Incorporation of Documents by Reference
The following documents filed with the U.S. Securities and Exchange Commission (the "SEC") by the Company are incorporated by reference in this Registration Statement:
(a)
The Company's Annual Report on
Form 10-K
for the year ended December 31, 2024, filed with the SEC on March 4, 2025 (and the
                  related Notification of Late Filing on
Form 12b-25
filed with the SEC in connection therewith on March 4, 2025);
(b)
The portions of the Company's Definitive Proxy Statement on
Schedule 14A
, filed with the SEC on April 25, 2025, that are
                  incorporated by reference in Part III of the Company's Annual Report on Form 10-K for the year ended December 31, 2024;
(c)
The Company's Quarterly Report on
Form 10-Q
for the quarter ended March 31, 2025, filed with the SEC on May 9, 2025;
(d)
The Company's Current Report on
Form 8-K
filed with the SEC on March 21, 2025 (amending, only with respect to Item 5.02, a
                  Current Report on
Form 8-K
filed on March 8, 2024) (except in all cases for the information in such Current Reports on Form 8-K that
                  has been furnished rather than filed in accordance with SEC rules); and
(e)
The description of the Company's common stock set forth in the applicable Registration Statement on
Form 8-A
filed pursuant to Section
                  12 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), including any amendment or report filed with the SEC for the purpose of updating such description.
In addition, all documents filed by the Company pursuant to Section 13(a), 13(c), 14 and 15(d) of the Exchange Act (other than those documents or portions of those documents that may be "furnished" and not filed
          with the SEC), subsequent to the effective date of this Registration Statement, prior to the filing of a post-effective amendment to this Registration Statement that indicates that all securities offered have been sold or that deregisters all
          securities then remaining unsold, shall be deemed to be incorporated by reference into this Registration Statement and to be a part hereof from the date of filing of such documents.
Any statement contained in this Registration Statement or in a document incorporated or deemed to be incorporated by reference herein shall be deemed to be modified or superseded for purposes of this Registration
          Statement to the extent that a statement contained or incorporated by reference herein or in any subsequently filed document that is deemed to be incorporated by reference herein modifies or supersedes such statement. Any such statement so
          modified or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this Registration Statement.
Item 4.
Description of Securities
Not applicable.
Item 5.
Interests of Named Experts and Counsel
Not applicable.
Item 6.
Indemnification of Directors and Officers
Section 145 of the General Corporation Law of the State of Delaware (the "DGCL") permits, under certain circumstances, the indemnification of any person who was or is a party, or is threatened to be made a party,
          to any threatened, pending, or completed action, suit, or proceeding, whether civil, criminal, administrative, or investigative (other than an action by or in the right of the corporation) by reason of the fact that such person is or was a
          director, officer, employee, or agent of the corporation, or is or was serving in a similar capacity for another enterprise at the request of the corporation if such person acted in good faith and in a manner such person reasonably believed to be
          in, or not opposed to, the best interests of the corporation, and, with respect to any criminal proceedings, had no reasonable cause to believe that his or her conduct was unlawful. To the extent that a present or former director or officer of
          the corporation has been successful in defending any such proceeding, the DGCL provides that such person shall be indemnified against expenses (including attorneys' fees), actually and reasonably incurred by such person in connection therewith.
          With respect to a proceeding by or in the right of the corporation, such person may be indemnified against expenses (including attorneys' fees), actually and reasonably incurred, if such person acted in good faith and in a manner such person
          reasonably believed to be in, or not opposed to, the best interests of the corporation. The DGCL provides, however, that indemnification shall not be permitted in such a proceeding if such person is adjudged liable to the corporation unless, and
          only to the extent that, the Delaware Court of Chancery or the court in which such action or suit was brought determines upon application that, despite the adjudication of liability, in view of all the circumstances of the case, such person is
          fairly and reasonably entitled to indemnity for such expenses which such court deems proper. Except with respect to mandatory indemnification of expenses to successful defendants as described above or pursuant to a court order, the
          indemnification described in this paragraph may be made only upon a determination in each specific case (1) by majority vote of the directors that are not parties to the proceeding, even though less than a quorum, (2) by a committee of the
          directors that are not a party to the proceeding who have been appointed by a majority vote of directors who are not party to the proceeding, even though less than a quorum, (3) if there are no such directors, or if such directors so direct, by
          independent legal counsel in a written opinion, or (4) by the stockholders. The DGCL permits a corporation to advance expenses incurred by a proposed indemnitee in advance of final disposition of the proceeding, provided that the indemnitee
          undertakes to repay such advanced expenses if it is ultimately determined that he or she is not entitled to indemnification. Also, a corporation may purchase insurance on behalf of an indemnitee against any liability asserted against him or her
          in his or her designated capacity, whether or not the corporation itself would be empowered to indemnify him or her against such liability.
The Company has adopted provisions in its Amended and Restated Certificate of Incorporation that provide for indemnification of its officers and directors to the maximum extent permitted under the DGCL, provided
          that, except for proceedings to enforce rights to indemnification, the Company will indemnify an indemnitee in connection with a proceeding initiated by that person only if the proceeding was authorized by the board of directors. As authorized by
          the DGCL, under the Company's Amended and Restated Certificate of Incorporation, no director shall be personally liable to the Company or its stockholders for monetary damages for breach of fiduciary duty as a director, except for liability (1)
          for any breach of the director's duty of loyalty, (2) for acts or omissions not in good faith or which involve intentional misconduct or a knowing violation of law, (3) under DGCL Section 174 (concerning unlawful distributions to stockholders),
          or (4) for any transaction from which the director derived an improper personal benefit. The Company's Amended and Restated Certificate of Incorporation further provides that if the DGCL is amended to authorize corporate action further
          eliminating or limiting the personal liability of directors, then the liability of a director of the corporation shall be eliminated or limited to the fullest extent permitted by the DGCL as so amended. The Company has purchased an insurance
          policy that purports to insure the officers and directors of the Company against certain liabilities incurred by them in the discharge of their functions as such officers and directors.
The foregoing is only a general summary of certain aspects of Delaware law and the Company's Amended and Restated Certificate of Incorporation and Amended and Restated Bylaws dealing with indemnification of
          directors and officers, and does not purport to be complete. It is qualified in its entirety by reference to the detailed provisions of those Sections of the DGCL referenced above and the Company's Amended and Restated Certificate of
          Incorporation and Amended and Restated Bylaws.
Item 7.
Exemption from Registration Claimed
Not applicable.
Item 8.
Exhibits
For the list of exhibits, see the Exhibit Index to this Registration Statement, which is incorporated herein by reference.
Item 9.
Undertakings
(a)
The undersigned Registrant hereby undertakes:
(1)
To file, during any period in which offers or sales are being made, a post-effective amendment to this Registration Statement:
(i)
To include any prospectus required by Section 10(a)(3) of the Securities Act;
(ii)
To reflect in the prospectus any facts or events arising after the effective date of the Registration Statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental
                  change in the information set forth in the Registration Statement; and
(iii)
To include any material information with respect to the plan of distribution not previously disclosed in the Registration Statement or any material change to such information in the Registration Statement;
provided, however
, that paragraphs (a)(1)(i) and (a)(1)(ii) above shall not apply if the information required to be included in a post-effective amendment by those
          paragraphs is contained in periodic reports filed with or furnished to the SEC by the Registrant pursuant to Section 13 or 15(d) of the Exchange Act that are incorporated by reference in the Registration Statement.
(2)
That, for the purpose of determining any liability under the Securities Act, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such
                  securities at that time shall be deemed to be the initial bona fide offering thereof.
(3)
To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering.
(b)
The undersigned Registrant hereby undertakes that, for purposes of determining any liability under the Securities Act, each filing of the Registrant's annual report pursuant to Section 13(a) or 15(d) of the Exchange Act (and, where
                  applicable, each filing of an employee benefit plan's annual report pursuant to Section 15(d) of the Exchange Act) that is incorporated by reference in the Registration Statement shall be deemed to be a new Registration Statement relating
                  to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.
(c)
Insofar as indemnification for liabilities arising under the Securities Act may be permitted to directors, officers and controlling persons of the Registrant pursuant to the foregoing provisions, or otherwise, the Registrant has been
                  advised that in the opinion of the SEC such indemnification is against public policy as expressed in the Securities Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than
                  the payment by the Registrant of expenses incurred or paid by a director, officer or controlling person of the Registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling
                  person in connection with the securities being registered, the Registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether
                  such indemnification by it is against public policy as expressed in the Securities Act and will be governed by the final adjudication of such issue.
EXHIBIT INDEX
Exhibit
No.
Description
4.1
Amended and Restated Certificate of Incorporation
(1)
4.2
Certificates of Amendment of Amended and Restated Certificate of Incorporation
(2)
4.3
Certificate of Amendment of Amended and Restated Certificate of Incorporation
(3)
4.4
Certificate of Amendment of Amended and Restated Certificate of Incorporation
(4)
4.5
Certificate of Amendment of Amended and Restated Certificate of Incorporation
(5)
4.6
Certificate of Amendment of Amended and Restated Certificate of Incorporation
(6)
4.7
Amended and Restated Bylaws
(7)
4.8
Form of Common Stock Certificate
(8)
5.1
Opinion of Kilpatrick Townsend & Stockton LLP*
23.1
Consent of KPMG LLP*
23.2
Consent of Kilpatrick Townsend & Stockton LLP (included in the opinion filed as Exhibit 5.1 and incorporated
                    herein by reference)*
24.1
Power of Attorney (included on the signature page)*
99.1
Form of Executive Stock Option Grant Notice*
107
Filing Fee Table*
*
Filed herewith.
(1)
Incorporated by reference to Exhibit 3.1 to the Company's Quarterly Report on Form 10-Q for the quarterly period ended March  31, 2001 (File No. 0-22278), as filed with the Securities and Exchange
                    Commission on May 11, 2001.
(2)
Incorporated by reference to Exhibit 3.2 to the Company's Annual Report on Form 10-K for the year ended December 31, 2003  (File No. 1-31565), as filed with the Securities and Exchange Commission on
                    March 15, 2004.
(3)
Incorporated by reference to Exhibit 3.1 to the Company's Current Report on Form 8-K filed with the Securities and Exchange  Commission on April 27, 2016 (File No. 1-31565).
(4)
Incorporated by reference to Exhibit 3.1 to the Company's Current Report on Form 8-K filed with the Securities and Exchange Commission on June 10, 2024 (File No. 1-31565).
(5)
Incorporated by reference to Exhibit 3.1 to the Company's Current Report on Form 8-K filed with the Securities and Exchange Commission on July 16, 2024 (File No. 1-31565).
(6)
Incorporated by reference to Exhibit 3(i) to the Company's Current Report on Form 8-K filed with the Securities and Exchange Commission on October 15, 2024 (File No. 1-31565).
(7)
Incorporated by reference to Exhibit 3(ii) to the Company's Current Report on Form 8-K filed with the Securities and Exchange Commission on October 15, 2024 (File No. 1-31565).
(8)
Incorporated by reference to Exhibit 4.1 of the Company's Quarterly Report on Form 10-Q (File No. 1-31565), as filed with the Securities and Exchange Commission on November 9, 2017.
SIGNATURES
Pursuant to the requirements of the Securities Act of 1933, as amended, the Registrant certifies that it has reasonable grounds to believe that it meets all of the requirements for filing on Form S-8 and has duly
          caused this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Hicksville, State of New York, on this 16th day of May, 2025.
FLAGSTAR FINANCIAL, INC.
By:
/s/ Joseph M. Otting
Joseph M. Otting
President and Chief Executive Officer
(Principal Executive Officer)
POWER OF ATTORNEY
We, the undersigned directors and officers of Flagstar Financial, Inc. hereby severally constitute and appoint Joseph M. Otting, Lee M. Smith and Bao Nguyen as the true and lawful attorneys-in-fact and agents, with
          full power of substitution and resubstitution, for him or her and in his or her name, place and stead, in any and all capacities to sign any or all amendments to the Form S-8 registration statement, and to file the same, with all exhibits
          thereto, and other documents in connection therewith, with the United States Securities and Exchange Commission, granting unto said attorneys-in-fact and agents full power and authority to do and perform each and every act and thing requisite and
          necessary to be done as fully, and to all intents and purposes, as he or she might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact and agents or their substitutes, may lawfully do or cause to be done by
          virtue hereof.
Pursuant to the requirements of the Securities Act of 1933, as amended, this Registration Statement has been signed below by the following persons in the capacities indicated on this 16th day of May, 2025.
/s/ Joseph M. Otting
President, Chief Executive Officer and Executive Chairman
Joseph M. Otting
(Principal Executive Officer)
/s/ Lee M. Smith
Senior Executive Vice President and Chief Financial Officer
Lee M. Smith
(Principal Financial Officer)
/s/ Bryan L. Marx
Executive Vice President and Chief Accounting Officer
Bryan L. Marx
(Principal Accounting Officer)
/s/ Secretary Steven T. Mnuchin
Secretary Steven T. Mnuchin
Lead Independent Director
/s/ Milton Berlinski
Milton Berlinski
Director
/s/ Brian Callanan
Brian Callanan
Director
/s/ Alessandro P. DiNello
Alessandro P. DiNello
Director
/s/ Alan Frank
Alan Frank
Director
/s/ Marshall J. Lux
Marshall J. Lux
Director
/s/ Allen C. Puwalski
Allen C. Puwalski
Director
/s/ Jennifer R. Whip
Jennifer R. Whip
Director