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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.22
FBC's Cash to Debt is ranked higher than
56% of the 1551 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. FBC: 0.22 )
FBC' s 10-Year Cash to Debt Range
Min: 0.02   Max: No Debt
Current: 0.22

Equity to Asset 0.14
FBC's Equity to Asset is ranked higher than
89% of the 1996 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. FBC: 0.14 )
FBC' s 10-Year Equity to Asset Range
Min: 0.03   Max: 0.15
Current: 0.14

0.03
0.15
F-Score: 4
Z-Score: -0.04
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) -61.03
FBC's Operating margin (%) is ranked lower than
53% of the 2006 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.16 vs. FBC: -61.03 )
FBC' s 10-Year Operating margin (%) Range
Min: -120.05   Max: 59.22
Current: -61.03

-120.05
59.22
Net-margin (%) 13.52
FBC's Net-margin (%) is ranked higher than
60% of the 2006 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.42 vs. FBC: 13.52 )
FBC' s 10-Year Net-margin (%) Range
Min: -78.1   Max: 38.51
Current: 13.52

-78.1
38.51
ROE (%) 5.99
FBC's ROE (%) is ranked higher than
65% of the 2016 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.57 vs. FBC: 5.99 )
FBC' s 10-Year ROE (%) Range
Min: -92.92   Max: 47.38
Current: 5.99

-92.92
47.38
ROA (%) 0.81
FBC's ROA (%) is ranked higher than
73% of the 2019 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. FBC: 0.81 )
FBC' s 10-Year ROA (%) Range
Min: -3.52   Max: 2.71
Current: 0.81

-3.52
2.71
ROC (Joel Greenblatt) (%) -157.40
FBC's ROC (Joel Greenblatt) (%) is ranked lower than
53% of the 1989 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.96 vs. FBC: -157.40 )
FBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -181.93   Max: 24.95
Current: -157.4

-181.93
24.95
Revenue Growth (%) -28.80
FBC's Revenue Growth (%) is ranked higher than
51% of the 1727 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. FBC: -28.80 )
FBC' s 10-Year Revenue Growth (%) Range
Min: -71.4   Max: 54.1
Current: -28.8

-71.4
54.1
EBITDA Growth (%) -53.30
FBC's EBITDA Growth (%) is ranked higher than
52% of the 1558 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. FBC: -53.30 )
FBC' s 10-Year EBITDA Growth (%) Range
Min: -82.5   Max: 87.8
Current: -53.3

-82.5
87.8
» FBC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2013

FBC Guru Trades in Q4 2013

Steven Cohen 272,321 sh (+26.75%)
Arnold Schneider 1,536,310 sh (-23.62%)
» More
Q1 2014

FBC Guru Trades in Q1 2014

Jim Simons 64,850 sh (New)
Arnold Schneider 1,866,440 sh (+21.49%)
Steven Cohen Sold Out
» More
Q2 2014

FBC Guru Trades in Q2 2014

Arnold Schneider 2,159,799 sh (+15.72%)
Jim Simons Sold Out
» More
Q3 2014

FBC Guru Trades in Q3 2014

Arnold Schneider 2,073,250 sh (-4.01%)
» More
» Details

Insider Trades

Latest Guru Trades with FBC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Arnold Schneider 2014-09-30 Reduce -4.01%0.17%$16.26 - $19.25 $ 15.48-13%2073250
Arnold Schneider 2014-06-30 Add 15.72%0.57%$16.43 - $21.83 $ 15.48-15%2159799
Arnold Schneider 2014-03-31 Add 21.49%0.8%$19.12 - $22.57 $ 15.48-26%1866440
Arnold Schneider 2013-12-31 Reduce -23.62%0.64%$14.25 - $19.12 $ 15.48-9%1536310
Arnold Schneider 2013-09-30 Add 7.88%0.2%$13.75 - $16.96 $ 15.482%2011320
Arnold Schneider 2013-06-30 Add 30.59%0.56%$12.41 - $14.94 $ 15.4814%1864382
Arnold Schneider 2013-03-31 Add 14.97%0.23%$13.03 - $20.25 $ 15.48-1%1427673
Arnold Schneider 2012-12-31 Reduce -38.92%0.82%$10.4 - $19.42 $ 15.48-3%1241818
Arnold Schneider 2012-03-31 Add 7.56%0.12%$5.7 - $10.4 $ 15.48109%23287189
Arnold Schneider 2011-09-30 Add 16.86%0.14%$4.7 - $12.5 $ 15.48101%24793708
George Soros 2011-09-30 Sold Out 0.0002%$4.7 - $12.5 $ 15.48101%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.90
FBC's P/E(ttm) is ranked higher than
79% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.50 vs. FBC: 14.90 )
FBC' s 10-Year P/E(ttm) Range
Min: 3.97   Max: 21
Current: 14.9

3.97
21
P/B 0.80
FBC's P/B is ranked higher than
90% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.34 vs. FBC: 0.80 )
FBC' s 10-Year P/B Range
Min: 0.05   Max: 2.44
Current: 0.8

0.05
2.44
P/S 1.50
FBC's P/S is ranked higher than
94% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.61 vs. FBC: 1.50 )
FBC' s 10-Year P/S Range
Min: 0.08   Max: 3.03
Current: 1.5

0.08
3.03
EV-to-EBIT -4.14
FBC's EV-to-EBIT is ranked lower than
59% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.80 vs. FBC: -4.14 )
FBC' s 10-Year EV-to-EBIT Range
Min: -4928.8   Max: 190.2
Current: -4.14

-4928.8
190.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.09
FBC's Price/Tangible Book is ranked higher than
83% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.62 vs. FBC: 1.09 )
FBC' s 10-Year Price/Tangible Book Range
Min: 0.13   Max: 27.7
Current: 1.09

0.13
27.7
Price/Median PS Value 1.51
FBC's Price/Median PS Value is ranked higher than
66% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. FBC: 1.51 )
FBC' s 10-Year Price/Median PS Value Range
Min: 0.13   Max: 3.67
Current: 1.51

0.13
3.67
Price/Graham Number 0.63
FBC's Price/Graham Number is ranked higher than
92% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. FBC: 0.63 )
FBC' s 10-Year Price/Graham Number Range
Min: 0.29   Max: 3.36
Current: 0.63

0.29
3.36
Earnings Yield (Greenblatt) -24.20
FBC's Earnings Yield (Greenblatt) is ranked lower than
53% of the 1973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. FBC: -24.20 )
FBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.5   Max: 253.5
Current: -24.2

0.5
253.5
Forward Rate of Return (Yacktman) -2723.41
FBC's Forward Rate of Return (Yacktman) is ranked lower than
55% of the 1512 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.69 vs. FBC: -2723.41 )
FBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -7283.5   Max: 560.1
Current: -2723.41

-7283.5
560.1

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Traded in other countries:FL2P.Germany
Flagstar Bancorp, Inc., is a Michigan-based savings and loan holding company founded in 1993. The Company's business is primarily conducted through its principal subsidiary, the Bank, a federally chartered stock savings bank founded in 1987. Its business is conducted through its Mortgage Banking segment, in which it originate or purchase residential first mortgage loans throughout the country and sell them into securitization pools, primarily to Fannie Mae, Federal Home Loan Mortgage Corporation ("Freddie Mac") and Government National Mortgage Association ("Ginnie Mae"). On December 31, 2013, the Company operated 39 home loan centers located in 19 states, which primarily originate one-to-four family residential first mortgage loans as part of its Mortgage Banking segment. The Company's servicing activities include collecting cash for principal, interest and escrow payments from borrowers, assisting homeowners through loss mitigation activities, and accounting for and remitting principal and interest payments to mortgage-backed securities investors and escrow payments to third parties. At December 31, 2013, the Company operated 111 banking centers in Michigan (of which 12 were located in retail stores). Through its banking centers, it gathers deposits and offers a line of consumer and commercial financial products and services to individuals and businesses. It provides deposit and cash management services to governmental units on a relationship basis. The Company's business is comprised of three operating segments - Mortgage Banking, Community Banking and Other. The Mortgage Banking segment originates, acquires, sells and services residential first mortgage loans on one-to-four family residences. It utilize three production channels to originate or acquire mortgage loans: home lending (also referred to as "retail"), as well as brokers and correspondents. The Community Banking segment currently offers a line of financial products and services to individuals, small and middle market businesses, and mortgage lenders. The Other segment includes corporate treasury, tax benefits not assigned to specific operating segments, and miscellaneous other expenses of a corporate nature. The Company competes with other savings banks, commercial banks and credit unions in its local market areas. Money market funds and full-service securities brokerage firms also compete with it for deposits and, in recent years, many financial institutions have competed for deposits through the Internet. As a savings and loan holding company, it is subject to regulation, examination and supervision by the Board of Governors of the Federal Reserve.
» More Articles for FBC

Headlines

Articles On GuruFocus.com
SHAREHOLDER ALERT: Pomerantz Law Firm Announces the Filing of a Class Action Against Flagstar Bancor Oct 15 2014 
comment on FBC Mar 02 2013 
comment on FBC Oct 12 2011 
comment on FBC Sep 25 2011 
comment on FBC Sep 25 2011 
@ insiders Sep 25 2011 
@@ Aug 27 2011 
Flagstar Bancorp Inc. Reports Operating Results (10-K) Mar 15 2011 
Three David Einhorn Stocks You Can Get Cheaper Than He Did Feb 08 2011 
Craig Effron and Curtis Schenker: Scoggin Capital Management Dec 22 2010 

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