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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 0.05
FBC's Cash-to-Debt is ranked lower than
97% of the 1366 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.88 vs. FBC: 0.05 )
Ranked among companies with meaningful Cash-to-Debt only.
FBC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.06 Max: 0.28
Current: 0.05
0.04
0.28
Equity-to-Asset 0.10
FBC's Equity-to-Asset is ranked higher than
54% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. FBC: 0.10 )
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: 0.1
0.03
0.15
Interest Coverage 2.74
FBC's Interest Coverage is ranked higher than
64% of the 1606 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.67 vs. FBC: 2.74 )
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: 2.74
0.29
3.53
Piotroski F-Score: 2
Beneish M-Score: 1.20
WACC vs ROIC
4.39%
3.87%
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 % 31.85
FBC's Operating Margin % is ranked higher than
53% of the 1383 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.69 vs. FBC: 31.85 )
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: 31.85
Current: 31.85
-120.05
31.85
Net Margin % 21.11
FBC's Net Margin % is ranked lower than
54% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.17 vs. FBC: 21.11 )
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: 21.11
-78.1
31.82
ROE % 10.47
FBC's ROE % is ranked higher than
68% of the 1380 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.35 vs. FBC: 10.47 )
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: 10.47
-96.13
19.11
ROA % 1.23
FBC's ROA % is ranked higher than
75% of the 1387 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. FBC: 1.23 )
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: 1.23
-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 1247 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.90 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: -8.4 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
87% of the 1132 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 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: 0.6 Max: 97
Current: -15.3
-78.8
97
GuruFocus has detected 8 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:NYSE:PFS, NAS:KRNY, NAS:NWBI, NYSE:AF, NAS:BOFI, NYSE:BHLB, NAS:CFFN, NAS:EBSB, NAS:OCFC, NAS:LOB, NAS:UBNK, NAS:FFIC, NAS:DCOM, NAS:CASH, NAS:HMST, OTCPK:BBXTB, NAS:WSBF, NAS:BKMU, NAS:FDEF, NAS:HIFS » details
Traded in other countries:FL2P.Germany,
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.

Flagstar Bancorp, Inc., is a Michigan-based savings and loan holding company founded in 1993. The Company's business is 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, to Fannie Mae, Federal Home Loan Mortgage Corporation ("Freddie Mac") and Government National Mortgage Association ("Ginnie Mae"). 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. 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 comprises of Mortgage Originations, Mortgage Servicing, Community Banking and Other. The Mortgage Originations segment originates, acquires and sells one-to-four family residential mortgage loans. The origination and acquisition of mortgage loans comprises the majority of the lending activity. Mortgage loans are originated through home loan centers, national call centers, the Internet and unaffiliated banks and mortgage banking and brokerage companies, where the net interest income and the gains from sales associated with these loans are recognized in the Mortgage Originations segment. The Mortgage Servicing segment services and sub-services mortgage loans, on a fee basis, for others. Also, the Mortgage Servicing segment services, on a fee basis, residential mortgages held-for-investment by the Community Banking segment and mortgage servicing rights held by the Other segment. The Mortgage Servicing segment may also collect ancillary fees, such as late fees, and earns income through the use of noninterest-bearing escrows. The Community Banking segment originates loans, provides deposits and fee based services to consumer, business, and mortgage lending customers through its Branch Banking, Business, and Commercial Banking, Government Banking, Warehouse Lending and Held-for-Investment Portfolio groups. Products offered through these teams include checking accounts, savings accounts, money market accounts, certificates of deposit, other services, consumer loans, commercial loans, and warehouse lines of credit. Other financial services available to consumer and commercial customers include lines of credit, revolving credit, customized treasury management solutions, equipment leasing, inventory, and accounts receivable lending and capital markets services such as interest rate risk protection products. A

Ratios

vs
industry
vs
history
PE Ratio 10.82
FBC's PE Ratio is ranked higher than
69% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.29 vs. FBC: 10.82 )
Ranked among companies with meaningful PE Ratio only.
FBC' s PE Ratio Range Over the Past 10 Years
Min: 4.01  Med: 11.58 Max: 85.18
Current: 10.82
4.01
85.18
Forward PE Ratio 13.30
FBC's Forward PE Ratio is ranked higher than
66% of the 388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.18 vs. FBC: 13.30 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 10.82
FBC's PE Ratio without NRI is ranked higher than
70% of the 1296 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.49 vs. FBC: 10.82 )
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: 11.58 Max: 85.18
Current: 10.82
4.01
85.18
Price-to-Owner-Earnings 11.33
FBC's Price-to-Owner-Earnings is ranked higher than
64% of the 826 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.11 vs. FBC: 11.33 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FBC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.03  Med: 1.8 Max: 11.49
Current: 11.33
0.03
11.49
PB Ratio 1.21
FBC's PB Ratio is ranked lower than
52% of the 1391 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. FBC: 1.21 )
Ranked among companies with meaningful PB Ratio only.
FBC' s PB Ratio Range Over the Past 10 Years
Min: 0.06  Med: 0.81 Max: 1.34
Current: 1.21
0.06
1.34
PS Ratio 2.05
FBC's PS Ratio is ranked higher than
74% of the 1383 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.34 vs. FBC: 2.05 )
Ranked among companies with meaningful PS Ratio only.
FBC' s PS Ratio Range Over the Past 10 Years
Min: 0.08  Med: 0.97 Max: 2.64
Current: 2.05
0.08
2.64
EV-to-EBIT 19.17
FBC's EV-to-EBIT is ranked lower than
69% of the 1066 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.64 vs. FBC: 19.17 )
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: 19.17
-4928.8
190.2
EV-to-EBITDA 17.53
FBC's EV-to-EBITDA is ranked lower than
70% of the 1072 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.46 vs. FBC: 17.53 )
Ranked among companies with meaningful EV-to-EBITDA only.
FBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -368.7  Med: 13.95 Max: 6586.5
Current: 17.53
-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
66% of the 977 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 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: -1.6 Max: 4
Current: -0.4
-351.8
4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.63
FBC's Price-to-Tangible-Book is ranked lower than
66% of the 1384 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. FBC: 1.63 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FBC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.89  Med: 1.52 Max: 26.47
Current: 1.63
0.89
26.47
Price-to-Median-PS-Value 2.12
FBC's Price-to-Median-PS-Value is ranked lower than
92% of the 1288 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. FBC: 2.12 )
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: 0.14  Med: 1.7 Max: 3.15
Current: 2.12
0.14
3.15
Price-to-Graham-Number 0.88
FBC's Price-to-Graham-Number is ranked higher than
54% of the 1224 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.94 vs. FBC: 0.88 )
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: 0.84 Max: 3.26
Current: 0.88
0.5
3.26
Earnings Yield (Greenblatt) % 5.20
FBC's Earnings Yield (Greenblatt) % is ranked lower than
52% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.60 vs. FBC: 5.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FBC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.5  Med: 2.8 Max: 6.5
Current: 5.2
0.5
6.5
Forward Rate of Return (Yacktman) % -6727.77
FBC's Forward Rate of Return (Yacktman) % is ranked lower than
100% of the 881 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.03 vs. FBC: -6727.77 )
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: -870 Max: 560.1
Current: -6727.77
-7285.1
560.1

More Statistics

Revenue (TTM) (Mil) $810.0
EPS (TTM) $ 2.65
Beta1.07
Short Percentage of Float4.02%
52-Week Range $18.99 - 29.64
Shares Outstanding (Mil)56.82

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 452 498
EPS ($) 2.24 2.62
EPS without NRI ($) 2.24 2.62
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for FBC

Headlines

Articles On GuruFocus.com
Arnold Schneider's Highest Performing Stocks Jul 23 2015 
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 
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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