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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.03
FBC's Cash-to-Debt is ranked lower than
97% of the 1592 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.23 vs. FBC: 0.03 )
Ranked among companies with meaningful Cash-to-Debt only.
FBC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.06 Max: 2.04
Current: 0.03
0.03
2.04
Equity-to-Asset 0.09
FBC's Equity-to-Asset is ranked higher than
51% of the 1591 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. FBC: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
FBC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.03  Med: 0.06 Max: 0.15
Current: 0.09
0.03
0.15
Interest Coverage 2.40
FBC's Interest Coverage is ranked higher than
63% of the 1515 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. FBC: 2.40 )
Ranked among companies with meaningful Interest Coverage only.
FBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.29  Med: 2.74 Max: 3.53
Current: 2.4
0.29
3.53
Beneish M-Score: 3.25
WACC vs ROIC
3.26%
3.44%
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 : 1/10

vs
industry
vs
history
Operating Margin % 29.42
FBC's Operating Margin % is ranked higher than
51% of the 1606 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.37 vs. FBC: 29.42 )
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: 31.85
Current: 29.42
-120.05
31.85
Net Margin % 19.65
FBC's Net Margin % is ranked lower than
56% of the 1605 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.70 vs. FBC: 19.65 )
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: 19.65
-78.1
31.82
ROE % 10.42
FBC's ROE % is ranked higher than
64% of the 1603 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.58 vs. FBC: 10.42 )
Ranked among companies with meaningful ROE % only.
FBC' s ROE % Range Over the Past 10 Years
Min: -96.13  Med: -6.06 Max: 20.21
Current: 10.42
-96.13
20.21
ROA % 1.12
FBC's ROA % is ranked higher than
72% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. FBC: 1.12 )
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: 1.12
-3.52
2.27
3-Year Revenue Growth Rate -1.80
FBC's 3-Year Revenue Growth Rate is ranked lower than
77% of the 1354 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.20 vs. FBC: -1.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
FBC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -71.4  Med: -5.1 Max: 54.1
Current: -1.8
-71.4
54.1
3-Year EPS without NRI Growth Rate -15.30
FBC's 3-Year EPS without NRI Growth Rate is ranked lower than
88% of the 1226 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. FBC: -15.30 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
FBC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -78.8  Med: 11.8 Max: 97
Current: -15.3
-78.8
97
GuruFocus has detected 7 Warning Signs with Flagstar Bancorp Inc $FBC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» FBC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

FBC Guru Trades in Q1 2016

Paul Tudor Jones 20,340 sh (New)
Jim Simons 449,100 sh (-8.57%)
Arnold Schneider 1,263,586 sh (-16.62%)
» More
Q2 2016

FBC Guru Trades in Q2 2016

Jim Simons 477,000 sh (+6.21%)
Paul Tudor Jones 13,005 sh (-36.06%)
Arnold Schneider 674,688 sh (-46.61%)
» More
Q3 2016

FBC Guru Trades in Q3 2016

Jim Simons 608,000 sh (+27.46%)
Paul Tudor Jones Sold Out
Arnold Schneider 187,104 sh (-72.27%)
» More
Q4 2016

FBC Guru Trades in Q4 2016

Paul Singer 214,990 sh (New)
Jim Simons 878,612 sh (+44.51%)
Arnold Schneider 119,527 sh (-36.12%)
» 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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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:NWBI, NYSE:PFS, NAS:BOFI, NAS:CFFN, NAS:KRNY, NYSE:AF, NAS:LOB, NAS:EBSB, NAS:OCFC, NAS:UBNK, NAS:FFIC, NAS:CASH, NAS:DCOM, NAS:HMST, NAS:HONE, NAS:WSBF, NAS:FDEF, NAS:UCFC, NAS:BKMU, NAS:EBTC » details
Traded in other countries:FL2P.Germany,
Headquarter Location:USA
Flagstar Bancorp, Inc., is a savings and loan holding company. The Company through its subsidiaries is engaged in offering consumer and commercial financial products and services to individuals, and small and middle market businesses in Michigan.

Headquartered in Troy, Mich., Flagstar is a thrift that originates, services, and sells loans across the United States. The bank has around $14.2 billion in assets and $7.8 billion in deposits. First mortgage, second mortgage, and commercial real estate loans collectively compose 88% of the bank's investment portfolio.

Ratios

vs
industry
vs
history
PE Ratio 11.29
FBC's PE Ratio is ranked higher than
70% of the 1510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.59 vs. FBC: 11.29 )
Ranked among companies with meaningful PE Ratio only.
FBC' s PE Ratio Range Over the Past 10 Years
Min: 4.01  Med: 11.1 Max: 85.18
Current: 11.29
4.01
85.18
Forward PE Ratio 12.71
FBC's Forward PE Ratio is ranked higher than
59% of the 839 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.93 vs. FBC: 12.71 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 11.33
FBC's PE Ratio without NRI is ranked higher than
70% of the 1477 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.63 vs. FBC: 11.33 )
Ranked among companies with meaningful PE Ratio without NRI only.
FBC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 4.01  Med: 11.1 Max: 85.18
Current: 11.33
4.01
85.18
Price-to-Owner-Earnings 5.57
FBC's Price-to-Owner-Earnings is ranked higher than
78% of the 882 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.21 vs. FBC: 5.57 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FBC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.79  Med: 5.02 Max: 23.97
Current: 5.57
0.79
23.97
PB Ratio 1.22
FBC's PB Ratio is ranked higher than
51% of the 1611 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. FBC: 1.22 )
Ranked among companies with meaningful PB Ratio only.
FBC' s PB Ratio Range Over the Past 10 Years
Min: 0.06  Med: 0.79 Max: 1.28
Current: 1.22
0.06
1.28
PS Ratio 2.08
FBC's PS Ratio is ranked higher than
76% of the 1586 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.40 vs. FBC: 2.08 )
Ranked among companies with meaningful PS Ratio only.
FBC' s PS Ratio Range Over the Past 10 Years
Min: 0.08  Med: 0.9 Max: 2.56
Current: 2.08
0.08
2.56
EV-to-EBIT 20.94
FBC's EV-to-EBIT is ranked lower than
71% of the 1668 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.52 vs. FBC: 20.94 )
Ranked among companies with meaningful EV-to-EBIT only.
FBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -4928.8  Med: -7.5 Max: 190.2
Current: 20.94
-4928.8
190.2
EV-to-EBITDA 18.95
FBC's EV-to-EBITDA is ranked lower than
70% of the 1685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.29 vs. FBC: 18.95 )
Ranked among companies with meaningful EV-to-EBITDA only.
FBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -368.7  Med: 14.65 Max: 6586.5
Current: 18.95
-368.7
6586.5

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -0.40
FBC's 3-Year Average Share Buyback Ratio is ranked higher than
67% of the 1042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. FBC: -0.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FBC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -351.8  Med: -1.9 Max: 4
Current: -0.4
-351.8
4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.55
FBC's Price-to-Tangible-Book is ranked lower than
65% of the 1576 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. FBC: 1.55 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FBC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.13  Med: 1.52 Max: 26.47
Current: 1.55
0.13
26.47
Price-to-Median-PS-Value 2.32
FBC's Price-to-Median-PS-Value is ranked lower than
93% of the 1462 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.14 vs. FBC: 2.32 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FBC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.15  Med: 1.82 Max: 3.38
Current: 2.32
0.15
3.38
Price-to-Graham-Number 0.90
FBC's Price-to-Graham-Number is ranked higher than
57% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.96 vs. FBC: 0.90 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FBC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.5  Med: 0.89 Max: 3.26
Current: 0.9
0.5
3.26
Earnings Yield (Greenblatt) % 4.78
FBC's Earnings Yield (Greenblatt) % is ranked lower than
54% of the 2207 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.95 vs. FBC: 4.78 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FBC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.5  Med: 2.9 Max: 235.8
Current: 4.78
0.5
235.8
Forward Rate of Return (Yacktman) % -6113.05
FBC's Forward Rate of Return (Yacktman) % is ranked lower than
100% of the 890 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.45 vs. FBC: -6113.05 )
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: -943.1 Max: 560.1
Current: -6113.05
-7285.1
560.1

More Statistics

Revenue (TTM) (Mil) $809.0
EPS (TTM) $ 2.59
Beta1.07
Short Percentage of Float3.60%
52-Week Range $21.78 - 30.70
Shares Outstanding (Mil)57.04

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $)
EPS ($) 2.18 2.60 2.90
EPS without NRI ($) 2.18 2.60 2.90
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 2.65 2.90
» More Articles for FBC

Headlines

Articles On GuruFocus.com
Flagstar Bank Receives Fannie Mae's STAR Performer Award for Second Straight Year Apr 05 2017 
Flagstar to Acquire Opes Advisors, Inc. Apr 03 2017 
Flagstar Announces First Quarter 2017 Earnings Call Apr 03 2017 
Arnold Schneider's Highest Performing Stocks Jul 23 2015 
SHAREHOLDER ALERT: Pomerantz Law Firm Announces the Filing of a Class Action Against Flagstar Bancor Oct 15 2014 
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 
Flagstar Bancorp Inc. Reports Operating Results (10-Q) Aug 05 2009 
Flagstar Bancorp Inc. Reports Operating Results (10-Q) May 07 2009 

More From Other Websites
Edited Transcript of FBC earnings conference call or presentation 25-Apr-17 3:00pm GMT Apr 29 2017
Flagstar Bancorp beats Street 1Q forecasts Apr 25 2017
Flagstar Reports First Quarter 2017 Net Income of $27 million, or $0.46 per Diluted Share Apr 25 2017
Flagstar Bancorp, Inc. breached its 50 day moving average in a Bearish Manner : FBC-US : April 14,... Apr 14 2017
Flagstar Bank Receives Fannie Mae's STAR Performer Award for Second Straight Year Apr 05 2017
Flagstar to Acquire Opes Advisors, Inc. Apr 03 2017
Flagstar Announces First Quarter 2017 Earnings Call Apr 03 2017
Flagstar Bancorp, Inc. breached its 50 day moving average in a Bearish Manner : FBC-US : March 22,... Mar 22 2017
Flagstar Sponsors Race 13.1 Mar 13 2017
Flagstar Closes on Acquisition of Delegated Correspondent Business from Stearns Lending, LLC Feb 28 2017
U.S. Steel, Flagstar Bancorp, Facebook, Twitter and Alibaba Group highlighted as Zacks Bull and Bear... Feb 21 2017
Bear of the Day: Flagstar Bancorp (FBC) Feb 21 2017
Flagstar Bancorp, Inc.: Strong price momentum but will it sustain? Feb 14 2017
Flagstar Bancorp, Inc. breached its 50 day moving average in a Bullish Manner : FBC-US : February... Feb 14 2017
Flagstar to Acquire Delegated Correspondent Business from Stearns Lending, LLC Feb 06 2017
Flagstar Expands Capital Markets Solutions With New Hire Feb 02 2017
Flagstar Bancorp, Inc. :FBC-US: Earnings Analysis: Q4, 2016 By the Numbers : January 26, 2017 Jan 26 2017
Edited Transcript of FBC earnings conference call or presentation 24-Jan-17 4:00pm GMT Jan 24 2017
Flagstar Bancorp misses Street 4Q forecasts Jan 24 2017
Flagstar Reports Fourth Quarter 2016 Net Income of $28 million, or $0.49 per Diluted Share Jan 24 2017

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