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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 1365 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 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 1753 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 (%) -57.24
FBC's Operating margin (%) is ranked lower than
52% of the 1776 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 28.81 vs. FBC: -57.24 )
FBC' s 10-Year Operating margin (%) Range
Min: -120.05   Max: 59.22
Current: -57.24

-120.05
59.22
Net-margin (%) 13.20
FBC's Net-margin (%) is ranked higher than
72% of the 1783 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.59 vs. FBC: 13.20 )
FBC' s 10-Year Net-margin (%) Range
Min: -78.1   Max: 38.51
Current: 13.2

-78.1
38.51
ROE (%) 5.99
FBC's ROE (%) is ranked higher than
79% of the 1790 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.54 vs. FBC: 5.99 )
FBC' s 10-Year ROE (%) Range
Min: -92.92   Max: 47.38
Current: 5.99

-92.92
47.38
ROA (%) 0.81
FBC's ROA (%) is ranked higher than
88% of the 1790 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.79 vs. FBC: 0.81 )
FBC' s 10-Year ROA (%) Range
Min: -3.52   Max: 2.71
Current: 0.81

-3.52
2.71
ROC (Joel Greenblatt) (%) -151.18
FBC's ROC (Joel Greenblatt) (%) is ranked lower than
52% of the 1757 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 72.81 vs. FBC: -151.18 )
FBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -181.93   Max: 55.24
Current: -151.18

-181.93
55.24
Revenue Growth (%) -28.80
FBC's Revenue Growth (%) is ranked higher than
52% of the 1555 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 1398 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 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
Arnold Schneider 2014-06-30 Add 15.72%0.57%$16.43 - $21.83 $ 15.65-14%2159799
Arnold Schneider 2014-03-31 Add 21.49%0.8%$19.12 - $22.57 $ 15.65-26%1866440
Arnold Schneider 2013-12-31 Reduce -23.62%0.64%$14.25 - $19.12 $ 15.65-8%1536310
Arnold Schneider 2013-09-30 Add 7.88%0.2%$13.75 - $16.96 $ 15.653%2011320
Arnold Schneider 2013-06-30 Add 30.59%0.56%$12.41 - $14.94 $ 15.6515%1864382
Arnold Schneider 2013-03-31 Add 14.97%0.23%$13.03 - $20.25 $ 15.650%1427673
Arnold Schneider 2012-12-31 Reduce -38.92%0.82%$10.4 - $19.42 $ 15.65-2%1241818
Arnold Schneider 2012-03-31 Add 7.56%0.12%$5.7 - $10.4 $ 15.65112%23287189
Arnold Schneider 2011-09-30 Add 16.86%0.14%$4.7 - $12.5 $ 15.65103%24793708
George Soros 2011-09-30 Sold Out 0.0002%$4.7 - $12.5 $ 15.65103%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 8.60
FBC's P/E(ttm) is ranked higher than
91% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.50 vs. FBC: 8.60 )
FBC' s 10-Year P/E(ttm) Range
Min: 3.97   Max: 21
Current: 8.6

3.97
21
P/B 0.79
FBC's P/B is ranked higher than
86% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. FBC: 0.79 )
FBC' s 10-Year P/B Range
Min: 0.05   Max: 2.44
Current: 0.79

0.05
2.44
P/S 1.40
FBC's P/S is ranked higher than
92% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.97 vs. FBC: 1.40 )
FBC' s 10-Year P/S Range
Min: 0.08   Max: 3.03
Current: 1.4

0.08
3.03

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.06
FBC's Price/Tangible Book is ranked higher than
78% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.32 vs. FBC: 1.06 )
FBC' s 10-Year Price/Tangible Book Range
Min: 0.17   Max: 27.7
Current: 1.06

0.17
27.7
Price/Median PS Value 1.58
FBC's Price/Median PS Value is ranked higher than
58% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. FBC: 1.58 )
FBC' s 10-Year Price/Median PS Value Range
Min: 0.14   Max: 3.98
Current: 1.58

0.14
3.98
Price/Graham Number 0.50
FBC's Price/Graham Number is ranked higher than
92% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. FBC: 0.50 )
FBC' s 10-Year Price/Graham Number Range
Min: 0.29   Max: 3.36
Current: 0.5

0.29
3.36
Forward Rate of Return (Yacktman) -3658.91
FBC's Forward Rate of Return (Yacktman) is ranked lower than
53% of the 1423 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.24 vs. FBC: -3658.91 )
FBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -19001.9   Max: -27.7
Current: -3658.91

-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

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 Bancorp Inc Earnings Call scheduled for 11:00 am ET today Oct 22 2014
FLAGSTAR BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 22 2014
Flagstar Reports Third Quarter 2014 Results Oct 21 2014
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Reminds Investors of Class Action Against Flagstar Bancorp,... Oct 21 2014
Q3 2014 Flagstar Bancorp Inc Earnings Release - After Market Close Oct 21 2014
SHAREHOLDER ALERT: Pomerantz Law Firm Reminds Shareholders With Losses on Their Investment in... Oct 19 2014
SHAREHOLDER ALERT: Brower Piven Encourages Investors Who Have Losses In Excess Of $100,000 From... Oct 15 2014
INVESTOR ALERT: Faruqi & Faruqi, LLP Encourages Investors Who Suffered Losses in Excess of $100,000... Oct 10 2014
Flagstar Announces Third Quarter 2014 Earnings Call Oct 07 2014
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Reminds Investors of Class Action Against Flagstar Bancorp,... Oct 06 2014
SHAREHOLDER ALERT: Pomerantz Law Firm Announces the Filing of a Class Action Against Flagstar... Oct 03 2014
EQUITY ALERT: The Rosen Law Firm Reminds Flagstar Bancorp, Inc. Investors of Important Class Action... Oct 02 2014
Mortgage rates fall as the bond market rallies Oct 02 2014
[$$] Flagstar Bancorp in $37.5 Million Settlement Over Mortgages Sep 29 2014
SHAREHOLDER ALERT: Brower Piven Encourages Investors Who Have Losses in Excess of $100,000 From... Sep 29 2014
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Reminds Investors of Class Action Against Flagstar Bancorp,... Sep 29 2014
Flagstar Bank to pay $37.5 mln over servicing violations -CFPB Sep 29 2014
FLAGSTAR BANCORP INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Sep 29 2014
CFPB Says Flagstar Bank Stonewalled Troubled Homeowners Sep 29 2014
Flagstar Announces Settlement with the Consumer Financial Protection Bureau Sep 29 2014

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