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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 0.23
FBC's Cash to Debt is ranked lower than
83% of the 1162 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.79 vs. FBC: 0.23 )
Ranked among companies with meaningful Cash to Debt only.
FBC' s Cash to Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.07 Max: 0.28
Current: 0.23
0.04
0.28
Equity to Asset 0.11
FBC's Equity to Asset is ranked higher than
61% of the 1660 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: 0.06 Max: 0.15
Current: 0.11
0.03
0.15
Interest Coverage 3.29
FBC's Interest Coverage is ranked higher than
70% of the 1543 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.64 vs. FBC: 3.29 )
Ranked among companies with meaningful Interest Coverage only.
FBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.2  Med: 0.29 Max: 3.53
Current: 3.29
0.2
3.53
F-Score: 3
M-Score: 0.36
WACC vs ROIC
5.37%
4.23%
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 (%) 33.03
FBC's Operating margin (%) is ranked higher than
55% of the 1677 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.23 vs. FBC: 33.03 )
Ranked among companies with meaningful Operating margin (%) only.
FBC' s Operating margin (%) Range Over the Past 10 Years
Min: -120.05  Med: -17.88 Max: 31.7
Current: 33.03
-120.05
31.7
Net-margin (%) 21.80
FBC's Net-margin (%) is ranked lower than
53% of the 1680 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.64 vs. FBC: 21.80 )
Ranked among companies with meaningful Net-margin (%) only.
FBC' s Net-margin (%) Range Over the Past 10 Years
Min: -78.1  Med: -11.68 Max: 31.82
Current: 21.8
-78.1
31.82
ROE (%) 8.98
FBC's ROE (%) is ranked higher than
54% of the 1675 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.42 vs. FBC: 8.98 )
Ranked among companies with meaningful ROE (%) only.
FBC' s ROE (%) Range Over the Past 10 Years
Min: -96.13  Med: -6.04 Max: 19.11
Current: 8.98
-96.13
19.11
ROA (%) 1.30
FBC's ROA (%) is ranked higher than
73% of the 1684 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. FBC: 1.30 )
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: 1.3
-3.52
2.27
Revenue Growth (3Y)(%) -17.40
FBC's Revenue Growth (3Y)(%) is ranked lower than
94% of the 1369 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.90 vs. FBC: -17.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FBC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -71.4  Med: -8.40 Max: 54.1
Current: -17.4
-71.4
54.1
EBITDA Growth (3Y)(%) 52.70
FBC's EBITDA Growth (3Y)(%) is ranked higher than
94% of the 1263 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. FBC: 52.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FBC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -82.5  Med: 13.00 Max: 87.8
Current: 52.7
-82.5
87.8
EPS Growth (3Y)(%) 36.90
FBC's EPS Growth (3Y)(%) is ranked higher than
87% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. FBC: 36.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FBC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -78.9  Med: 14.35 Max: 97
Current: 36.9
-78.9
97
» FBC's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-28)


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

» Details

Guru Trades

Q1 2015

FBC Guru Trades in Q1 2015

Arnold Schneider 2,184,031 sh (+1.43%)
Louis Moore Bacon Sold Out
Jim Simons 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
Q4 2015

FBC Guru Trades in Q4 2015

Jim Simons 491,177 sh (+97.81%)
Arnold Schneider 1,515,509 sh (-9.99%)
» 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) 10.07
FBC's P/E(ttm) is ranked higher than
64% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.56 vs. FBC: 10.07 )
Ranked among companies with meaningful P/E(ttm) only.
FBC' s P/E(ttm) Range Over the Past 10 Years
Min: 4.2  Med: 12.07 Max: 84.8
Current: 10.07
4.2
84.8
PE(NRI) 10.16
FBC's PE(NRI) is ranked higher than
63% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.56 vs. FBC: 10.16 )
Ranked among companies with meaningful PE(NRI) only.
FBC' s PE(NRI) Range Over the Past 10 Years
Min: 4.01  Med: 11.95 Max: 89.24
Current: 10.16
4.01
89.24
P/B 1.04
FBC's P/B is ranked higher than
50% of the 1642 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. FBC: 1.04 )
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: 1.64
Current: 1.04
0.06
1.64
P/S 1.79
FBC's P/S is ranked higher than
75% of the 1637 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.93 vs. FBC: 1.79 )
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: 2.95
Current: 1.79
0.08
2.95
EV-to-EBIT 21.63
FBC's EV-to-EBIT is ranked lower than
74% of the 1503 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.40 vs. FBC: 21.63 )
Ranked among companies with meaningful EV-to-EBIT only.
FBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -4928.8  Med: -7.50 Max: 190.2
Current: 21.63
-4928.8
190.2
EV-to-EBITDA 19.67
FBC's EV-to-EBITDA is ranked lower than
75% of the 1507 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.24 vs. FBC: 19.67 )
Ranked among companies with meaningful EV-to-EBITDA only.
FBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -368.7  Med: 8.35 Max: 6586.5
Current: 19.67
-368.7
6586.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.33
FBC's Price/Tangible Book is ranked lower than
64% of the 1634 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. FBC: 1.33 )
Ranked among companies with meaningful Price/Tangible Book only.
FBC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.89  Med: 1.52 Max: 26.47
Current: 1.33
0.89
26.47
Price/Median PS Value 2.00
FBC's Price/Median PS Value is ranked lower than
95% of the 1548 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.01 vs. FBC: 2.00 )
Ranked among companies with meaningful Price/Median PS Value only.
FBC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.15  Med: 1.81 Max: 3.38
Current: 2
0.15
3.38
Price/Graham Number 0.81
FBC's Price/Graham Number is ranked higher than
51% of the 1461 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. FBC: 0.81 )
Ranked among companies with meaningful Price/Graham Number only.
FBC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.1  Med: 0.79 Max: 3.26
Current: 0.81
0.1
3.26
Earnings Yield (Greenblatt) (%) 4.60
FBC's Earnings Yield (Greenblatt) (%) is ranked lower than
67% of the 1644 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. FBC: 4.60 )
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: 6.1
Current: 4.6
0.5
6.1
Forward Rate of Return (Yacktman) (%) -7695.28
FBC's Forward Rate of Return (Yacktman) (%) is ranked lower than
100% of the 843 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.13 vs. FBC: -7695.28 )
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: -722.80 Max: 560.1
Current: -7695.28
-7285.1
560.1

More Statistics

Revenue(Mil) $757
EPS $ 2.35
Beta1.26
Short Percentage of Float4.64%
52-Week Range $16.62 - 25.05
Shares Outstanding(Mil)56.56

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NYSE:NYCB, NAS:PBCT, NAS:ISBC, NAS:WAFD, NAS:CFFN, NYSE:AF » 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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Arnold Schneider's Highest Performing Stocks Jul 23 2015 
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Flagstar Bancorp Inc. Reports Operating Results (10-Q) Aug 05 2009 
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Weekly CFO Buys Highlight: Flagstar Bancorp Inc., Royal Caribbean Cruises Ltd., The Greenbrier Compa Feb 08 2009 
Weekly CEO Buys Highlight: Flagstar Bancorp Inc., Prospect Capital Corp., Marsh & McLennan Companies May 23 2008 

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