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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 0.12
FBC's Cash to Debt is ranked lower than
90% of the 966 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.47 vs. FBC: 0.12 )
Ranked among companies with meaningful Cash to Debt only.
FBC' s 10-Year Cash to Debt Range
Min: 0.02  Med: 0.08 Max: N/A
Current: 0.12
Equity to Asset 0.12
FBC's Equity to Asset is ranked higher than
70% of the 1319 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. FBC: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
FBC' s 10-Year Equity to Asset Range
Min: 0.03  Med: 0.05 Max: 0.15
Current: 0.12
0.03
0.15
F-Score: 2
WACC vs ROIC
1.48%
1.67%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 9.84
FBC's Operating margin (%) is ranked lower than
86% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.90 vs. FBC: 9.84 )
Ranked among companies with meaningful Operating margin (%) only.
FBC' s 10-Year Operating margin (%) Range
Min: -120.05  Med: 28.88 Max: 59.22
Current: 9.84
-120.05
59.22
Net-margin (%) 6.15
FBC's Net-margin (%) is ranked lower than
88% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.60 vs. FBC: 6.15 )
Ranked among companies with meaningful Net-margin (%) only.
FBC' s 10-Year Net-margin (%) Range
Min: -78.1  Med: 19.17 Max: 38.51
Current: 6.15
-78.1
38.51
ROE (%) 2.94
FBC's ROE (%) is ranked lower than
84% of the 1384 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.41 vs. FBC: 2.94 )
Ranked among companies with meaningful ROE (%) only.
FBC' s 10-Year ROE (%) Range
Min: -92.92  Med: 12.87 Max: 47.38
Current: 2.94
-92.92
47.38
ROA (%) 0.40
FBC's ROA (%) is ranked lower than
76% of the 1392 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. FBC: 0.40 )
Ranked among companies with meaningful ROA (%) only.
FBC' s 10-Year ROA (%) Range
Min: -3.52  Med: 0.57 Max: 2.71
Current: 0.4
-3.52
2.71
ROC (Joel Greenblatt) (%) 27.28
FBC's ROC (Joel Greenblatt) (%) is ranked lower than
77% of the 1374 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 77.18 vs. FBC: 27.28 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -181.93  Med: 6.69 Max: 55.24
Current: 27.28
-181.93
55.24
Revenue Growth (3Y)(%) -1.70
FBC's Revenue Growth (3Y)(%) is ranked lower than
69% of the 1170 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.00 vs. FBC: -1.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FBC' s 10-Year Revenue Growth (3Y)(%) Range
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
91% of the 1029 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. FBC: -22.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FBC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -82.5  Med: 8.40 Max: 87.8
Current: -22
-82.5
87.8
EPS Growth (3Y)(%) -19.40
FBC's EPS Growth (3Y)(%) is ranked lower than
90% of the 1036 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.60 vs. FBC: -19.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FBC' s 10-Year EPS Growth (3Y)(%) Range
Min: -79.5  Med: 11.80 Max: 97
Current: -19.4
-79.5
97
» FBC's 10-Y Financials

Financials


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

» Details

Guru Trades

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
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%)
Louis Moore Bacon Sold Out
Jim Simons Sold Out
» 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
Forward P/E 13.62
FBC's Forward P/E is ranked lower than
65% of the 707 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.17 vs. FBC: 13.62 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 151.00
FBC's PE(NRI) is ranked lower than
98% of the 1242 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.90 vs. FBC: 151.00 )
Ranked among companies with meaningful PE(NRI) only.
FBC' s 10-Year PE(NRI) Range
Min: 4.01  Med: 11.79 Max: 958.9
Current: 151
4.01
958.9
P/B 0.88
FBC's P/B is ranked higher than
67% of the 1350 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. FBC: 0.88 )
Ranked among companies with meaningful P/B only.
FBC' s 10-Year P/B Range
Min: 0.05  Med: 0.80 Max: 1.88
Current: 0.88
0.05
1.88
P/S 1.54
FBC's P/S is ranked higher than
83% of the 1367 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.97 vs. FBC: 1.54 )
Ranked among companies with meaningful P/S only.
FBC' s 10-Year P/S Range
Min: 0.08  Med: 0.87 Max: 3.03
Current: 1.54
0.08
3.03
EV-to-EBIT 46.24
FBC's EV-to-EBIT is ranked lower than
91% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.11 vs. FBC: 46.24 )
Ranked among companies with meaningful EV-to-EBIT only.
FBC' s 10-Year EV-to-EBIT Range
Min: -4928.8  Med: -7.70 Max: 190.2
Current: 46.24
-4928.8
190.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.17
FBC's Price/Tangible Book is ranked higher than
50% of the 1329 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. FBC: 1.17 )
Ranked among companies with meaningful Price/Tangible Book only.
FBC' s 10-Year Price/Tangible Book Range
Min: 0.17  Med: 1.63 Max: 26.46
Current: 1.17
0.17
26.46
Price/Median PS Value 1.81
FBC's Price/Median PS Value is ranked lower than
93% of the 1232 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. FBC: 1.81 )
Ranked among companies with meaningful Price/Median PS Value only.
FBC' s 10-Year Price/Median PS Value Range
Min: 0.14  Med: 1.86 Max: 4.12
Current: 1.81
0.14
4.12
Price/Graham Number 1.00
FBC's Price/Graham Number is ranked lower than
62% of the 1122 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. FBC: 1.00 )
Ranked among companies with meaningful Price/Graham Number only.
FBC' s 10-Year Price/Graham Number Range
Min: 0.29  Med: 0.80 Max: 3.21
Current: 1
0.29
3.21
Earnings Yield (Greenblatt) (%) 2.21
FBC's Earnings Yield (Greenblatt) (%) is ranked lower than
82% of the 1343 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. FBC: 2.21 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FBC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.5  Med: 2.30 Max: 6.1
Current: 2.21
0.5
6.1
Forward Rate of Return (Yacktman) (%) -7477.57
FBC's Forward Rate of Return (Yacktman) (%) is ranked lower than
100% of the 758 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.31 vs. FBC: -7477.57 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FBC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -7283.5  Med: -557.90 Max: 560.1
Current: -7477.57
-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 

More From Other Websites
Flagstar Announces Second Quarter 2015 Earnings Call Jul 01 2015
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Flagstar Hires Leonard Israel as President of Mortgage Jun 22 2015
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Flagstar To Audiocast Annual Meeting Of Shareholders May 18 2015
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Lenders One® Adds Flagstar Bank as a Preferred Investor May 12 2015
Flagstar Bancorp (FBC) Shares March Higher, Can It Continue? - Tale of the Tape May 12 2015
10-Q for Flagstar Bancorp, Inc. May 10 2015
FLAGSTAR BANCORP INC Files SEC form 10-Q, Quarterly Report May 08 2015
10-K for Flagstar Bancorp, Inc. May 04 2015
NYSE stocks posting largest percentage increases Apr 29 2015
Flagstar Bancorp Inc Earnings Call scheduled for 11:00 am ET today Apr 28 2015
FLAGSTAR BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 28 2015
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