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Also traded in: Germany

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 : 6/10

vs
industry
vs
history
Cash to Debt 0.06
FBC's Cash to Debt is ranked lower than
95% of the 1088 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. FBC: 0.06 )
Ranked among companies with meaningful Cash to Debt only.
FBC' s Cash to Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.08 Max: N/A
Current: 0.06
Equity to Asset 0.11
FBC's Equity to Asset is ranked higher than
62% of the 1578 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. FBC: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
FBC' s Equity to Asset Range Over the Past 10 Years
Min: 0.03  Med: 0.05 Max: 0.15
Current: 0.11
0.03
0.15
Interest Coverage 3.50
FBC's Interest Coverage is ranked higher than
70% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.82 vs. FBC: 3.50 )
Ranked among companies with meaningful Interest Coverage only.
FBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.2  Med: 0.27 Max: 0.29
Current: 3.5
0.2
0.29
F-Score: 3
WACC vs ROIC
4.53%
4.47%
WACC
ROIC
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 : 2/10

vs
industry
vs
history
Operating margin (%) 31.70
FBC's Operating margin (%) is ranked higher than
52% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.86 vs. FBC: 31.70 )
Ranked among companies with meaningful Operating margin (%) only.
FBC' s Operating margin (%) Range Over the Past 10 Years
Min: -120.05  Med: -17.89 Max: 30.55
Current: 31.7
-120.05
30.55
Net-margin (%) 20.83
FBC's Net-margin (%) is ranked lower than
56% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.37 vs. FBC: 20.83 )
Ranked among companies with meaningful Net-margin (%) only.
FBC' s Net-margin (%) Range Over the Past 10 Years
Min: -78.1  Med: -11.72 Max: 31.82
Current: 20.83
-78.1
31.82
ROE (%) 8.74
FBC's ROE (%) is ranked higher than
56% of the 1589 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 vs. FBC: 8.74 )
Ranked among companies with meaningful ROE (%) only.
FBC' s ROE (%) Range Over the Past 10 Years
Min: -96.13  Med: -6.06 Max: 19.1
Current: 8.74
-96.13
19.1
ROA (%) 1.32
FBC's ROA (%) is ranked higher than
77% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. FBC: 1.32 )
Ranked among companies with meaningful ROA (%) only.
FBC' s ROA (%) Range Over the Past 10 Years
Min: -3.52  Med: -0.49 Max: 2.27
Current: 1.32
-3.52
2.27
Revenue Growth (3Y)(%) -1.70
FBC's Revenue Growth (3Y)(%) is ranked lower than
67% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. FBC: -1.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FBC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -71.4  Med: -5.05 Max: 54.1
Current: -1.7
-71.4
54.1
EBITDA Growth (3Y)(%) -22.00
FBC's EBITDA Growth (3Y)(%) is ranked lower than
85% of the 1167 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. FBC: -22.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FBC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -82.5  Med: 8.40 Max: 87.8
Current: -22
-82.5
87.8
EPS Growth (3Y)(%) -21.80
FBC's EPS Growth (3Y)(%) is ranked lower than
83% of the 1165 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. FBC: -21.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FBC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -78.9  Med: 11.80 Max: 97
Current: -21.8
-78.9
97
» FBC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2014

FBC Guru Trades in Q4 2014

Louis Moore Bacon 5,200 sh (New)
Jim Simons 15,915 sh (New)
Arnold Schneider 2,153,273 sh (+3.86%)
» More
Q1 2015

FBC Guru Trades in Q1 2015

Arnold Schneider 2,184,031 sh (+1.43%)
Jim Simons Sold Out
Louis Moore Bacon Sold Out
» More
Q2 2015

FBC Guru Trades in Q2 2015

Jim Simons 96,396 sh (New)
Arnold Schneider 2,165,976 sh (-0.83%)
» More
Q3 2015

FBC Guru Trades in Q3 2015

Jim Simons 248,312 sh (+157.60%)
Arnold Schneider 1,683,755 sh (-22.26%)
» 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 9.63
FBC's P/E(ttm) is ranked higher than
68% of the 1403 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.40 vs. FBC: 9.63 )
Ranked among companies with meaningful P/E(ttm) only.
FBC' s P/E(ttm) Range Over the Past 10 Years
Min: 4.21  Med: 12.00 Max: 88.4
Current: 9.63
4.21
88.4
Forward P/E 12.42
FBC's Forward P/E is ranked lower than
70% of the 703 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.52 vs. FBC: 12.42 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 9.73
FBC's PE(NRI) is ranked higher than
67% of the 1401 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.40 vs. FBC: 9.73 )
Ranked among companies with meaningful PE(NRI) only.
FBC' s PE(NRI) Range Over the Past 10 Years
Min: 4.01  Med: 12.11 Max: 959
Current: 9.73
4.01
959
P/B 0.80
FBC's P/B is ranked higher than
68% of the 1542 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.99 vs. FBC: 0.80 )
Ranked among companies with meaningful P/B only.
FBC' s P/B Range Over the Past 10 Years
Min: 0.06  Med: 0.80 Max: 1.72
Current: 0.8
0.06
1.72
P/S 1.38
FBC's P/S is ranked higher than
84% of the 1605 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.81 vs. FBC: 1.38 )
Ranked among companies with meaningful P/S only.
FBC' s P/S Range Over the Past 10 Years
Min: 0.08  Med: 0.90 Max: 2.98
Current: 1.38
0.08
2.98
EV-to-EBIT 16.20
FBC's EV-to-EBIT is ranked lower than
63% of the 1384 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.68 vs. FBC: 16.20 )
Ranked among companies with meaningful EV-to-EBIT only.
FBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -4928.8  Med: -7.70 Max: 190.2
Current: 16.2
-4928.8
190.2
EV-to-EBITDA 14.61
FBC's EV-to-EBITDA is ranked lower than
64% of the 1383 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.31 vs. FBC: 14.61 )
Ranked among companies with meaningful EV-to-EBITDA only.
FBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -368.7  Med: 8.40 Max: 6586.5
Current: 14.61
-368.7
6586.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.05
FBC's Price/Tangible Book is ranked higher than
53% of the 1534 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.07 vs. FBC: 1.05 )
Ranked among companies with meaningful Price/Tangible Book only.
FBC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.17  Med: 1.60 Max: 26.46
Current: 1.05
0.17
26.46
Price/Median PS Value 1.53
FBC's Price/Median PS Value is ranked lower than
92% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.98 vs. FBC: 1.53 )
Ranked among companies with meaningful Price/Median PS Value only.
FBC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.14  Med: 1.76 Max: 3.96
Current: 1.53
0.14
3.96
Price/Graham Number 0.69
FBC's Price/Graham Number is ranked higher than
60% of the 1277 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.77 vs. FBC: 0.69 )
Ranked among companies with meaningful Price/Graham Number only.
FBC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.11  Med: 0.84 Max: 7.85
Current: 0.69
0.11
7.85
Earnings Yield (Greenblatt) (%) 6.17
FBC's Earnings Yield (Greenblatt) (%) is ranked lower than
56% of the 1519 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. FBC: 6.17 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FBC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.5  Med: 2.40 Max: 6.2
Current: 6.17
0.5
6.2
Forward Rate of Return (Yacktman) (%) -9188.43
FBC's Forward Rate of Return (Yacktman) (%) is ranked lower than
100% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. FBC: -9188.43 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FBC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -7285.1  Med: -688.50 Max: 560.1
Current: -9188.43
-7285.1
560.1

More Statistics

Revenue(Mil) $756
EPS $ 1.86
Beta1.26
Short Percentage of Float6.86%
52-Week Range $13.95 - 25.05
Shares Outstanding(Mil)56.44

Analyst Estimate

Dec15 Dec16
Revenue(Mil)
EPS($) 1.47 1.43
EPS without NRI($) 1.47 1.43

Latest Earnings Webcast

» More Conference Calls

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

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