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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.15
FBC's Cash to Debt is ranked higher than
53% of the 1353 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. FBC: 0.15 )
FBC' s 10-Year Cash to Debt Range
Min: 0.02   Max: No Debt
Current: 0.15

Equity to Asset 0.14
FBC's Equity to Asset is ranked higher than
91% of the 1739 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: 3
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 (%) -50.04
FBC's Operating margin (%) is ranked lower than
52% of the 1765 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 28.49 vs. FBC: -50.04 )
FBC' s 10-Year Operating margin (%) Range
Min: -120.05   Max: 59.22
Current: -50.04

-120.05
59.22
Net-margin (%) 19.59
FBC's Net-margin (%) is ranked higher than
72% of the 1772 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.32 vs. FBC: 19.59 )
FBC' s 10-Year Net-margin (%) Range
Min: -78.1   Max: 38.51
Current: 19.59

-78.1
38.51
ROE (%) 9.21
FBC's ROE (%) is ranked higher than
79% of the 1779 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.43 vs. FBC: 9.21 )
FBC' s 10-Year ROE (%) Range
Min: -92.92   Max: 47.38
Current: 9.21

-92.92
47.38
ROA (%) 1.15
FBC's ROA (%) is ranked higher than
88% of the 1779 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. FBC: 1.15 )
FBC' s 10-Year ROA (%) Range
Min: -3.52   Max: 2.71
Current: 1.15

-3.52
2.71
ROC (Joel Greenblatt) (%) -136.16
FBC's ROC (Joel Greenblatt) (%) is ranked lower than
52% of the 1746 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 72.81 vs. FBC: -136.16 )
FBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -181.93   Max: 55.24
Current: -136.16

-181.93
55.24
Revenue Growth (%) -28.80
FBC's Revenue Growth (%) is ranked higher than
51% of the 1528 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 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 1376 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

Q3 2013

FBC Guru Trades in Q3 2013

Steven Cohen 214,847 sh (+1092.6%)
Arnold Schneider 2,011,320 sh (+7.88%)
Jim Simons Sold Out
» More
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
» 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
George Soros 2011-09-30 Sold Out 0.0002%$4.7 - $12.5 $ 16.58115%0
George Soros 2011-06-30 Reduce -64.65%$11.4 - $15.6 $ 16.5823%14000
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 9.20
FBC's P/E(ttm) is ranked higher than
92% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.00 vs. FBC: 9.20 )
FBC' s 10-Year P/E(ttm) Range
Min: 3.97   Max: 21
Current: 9.2

3.97
21
P/B 0.83
FBC's P/B is ranked higher than
86% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. FBC: 0.83 )
FBC' s 10-Year P/B Range
Min: 0.05   Max: 2.44
Current: 0.83

0.05
2.44
P/S 1.48
FBC's P/S is ranked higher than
93% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. FBC: 1.48 )
FBC' s 10-Year P/S Range
Min: 0.08   Max: 3.03
Current: 1.48

0.08
3.03
EV-to-EBIT -7.51
FBC's EV-to-EBIT is ranked higher than
50% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.15 vs. FBC: -7.51 )
FBC' s 10-Year EV-to-EBIT Range
Min: 11.7   Max: 190.2
Current: -7.51

11.7
190.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.12
FBC's Price/Tangible Book is ranked higher than
79% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.34 vs. FBC: 1.12 )
FBC' s 10-Year Price/Tangible Book Range
Min: 0.17   Max: 27.7
Current: 1.12

0.17
27.7
Price/Median PS Value 1.72
FBC's Price/Median PS Value is ranked higher than
58% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.14 vs. FBC: 1.72 )
FBC' s 10-Year Price/Median PS Value Range
Min: 0.14   Max: 4.09
Current: 1.72

0.14
4.09
Price/Graham Number 0.53
FBC's Price/Graham Number is ranked higher than
93% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. FBC: 0.53 )
FBC' s 10-Year Price/Graham Number Range
Min: 0.29   Max: 3.36
Current: 0.53

0.29
3.36
Earnings Yield (Greenblatt) 10.20
FBC's Earnings Yield (Greenblatt) is ranked higher than
85% of the 1616 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. FBC: 10.20 )
FBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.5   Max: 8.5
Current: 10.2

0.5
8.5
Forward Rate of Return (Yacktman) -3451.35
FBC's Forward Rate of Return (Yacktman) is ranked lower than
54% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.57 vs. FBC: -3451.35 )
FBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -19001.9   Max: -27.7
Current: -3451.35

-19001.9
-27.7

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, which was founded in 1993. It is the holding company for Flagstar Bank, FSB (the 'Bank'), a federally chartered stock savings bank founded in 1987. The Company's main business is obtaining funds in the form of deposits and wholesale borrowings and investing those funds in single-family mortgages and other types of loans. Its lending activity is the acquisition or origination of single-family mortgage loans. It might also originate consumer loans, commercial real estate loans, and non-real estate commercial loans and services a volume of residential mortgage loans for others. The Company sells or securitizes most of the mortgage loans that it originates and generally retains the right to service the mortgage loans that it sells. These mortgage-servicing rights (MSRs) are occasionally sold by the Company in transactions separate from the sale of the underlying mortgages. It might also invest in a considerable amount of its loan production in order to enhance its leverage ability and to receive the interest spread between earning assets and paying liabilities. Operations of the Bank are categorized into two business segments: banking and home lending. It provides a range of banking services to consumers and small businesses in Michigan, Indiana and Georgia. Its banking operation involves the gathering of deposits and investing those deposits in duration-matched assets consisting mainly of mortgage loans originated by its home lending operation. The banking operation holds these loans in its loans held for investment portfolio in order to earn income based on the difference, or 'spread,' between the interest earned on loans and investments and the interest paid for deposits and other borrowed funds. It operated a network of 111 banking centers. The Bank's home lending operation originates, securitizes and sells residential mortgage loans in order to generate transactional income. The home lending operation also services mortgage loans on a fee basis for others and sells mortgage servicing rights into the secondary market. Funding for its home lending operation is provided mainly by deposits and borrowings obtained by its banking operation. The Bank's deposits are insured by the Federal Deposit Insurance Corporation through the Deposit Insurance Fund. The Company faces competition in attracting deposits and making loans. Its most direct competition for deposits has historically come from other savings institutions, commercial banks and credit unions in its local market areas. The Bank is a member of the Federal Home Loan Bank System and is subject to regulation, examination and supervision by the Office of Thrift Supervision and the Federal Deposit Insurance Corporation. The Company's business and properties are subject to federal and state laws and regulations governing environmental matters, including the regulation of hazardous substances and wastes.
» More Articles for FBC

Headlines

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Flagstar Bancorp Inc. Reports Operating Results (10-Q) Aug 05 2009 

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