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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 0.03
FBC's Cash-to-Debt is ranked lower than
98% of the 1659 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. FBC: 0.03 )
Ranked among companies with meaningful Cash-to-Debt only.
FBC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.08 Max: 0.83
Current: 0.03
0.02
0.83
Equity-to-Asset 0.09
FBC's Equity-to-Asset is ranked lower than
60% of the 1628 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. FBC: 0.09 )
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: 0.09
0.03
0.15
Interest Coverage 2.40
FBC's Interest Coverage is ranked higher than
59% of the 1586 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.72 vs. FBC: 2.40 )
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: 2.4
0.29
3.53
WACC vs ROIC
4.07%
3.44%
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 : 1/10

vs
industry
vs
history
Operating Margin % 29.42
FBC's Operating Margin % is ranked lower than
56% of the 1666 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.66 vs. FBC: 29.42 )
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: 29.42
-120.05
31.85
Net Margin % 19.65
FBC's Net Margin % is ranked lower than
61% of the 1667 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.77 vs. FBC: 19.65 )
Ranked among companies with meaningful Net Margin % only.
FBC' s Net Margin % Range Over the Past 10 Years
Min: -78.1  Med: -11.58 Max: 31.82
Current: 19.65
-78.1
31.82
ROE % 10.42
FBC's ROE % is ranked higher than
64% of the 1667 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.51 vs. FBC: 10.42 )
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: 10.42
-96.13
19.11
ROA % 1.12
FBC's ROA % is ranked higher than
66% of the 1672 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.91 vs. FBC: 1.12 )
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: 1.12
-3.52
2.27
3-Year Revenue Growth Rate -1.80
FBC's 3-Year Revenue Growth Rate is ranked lower than
78% of the 1400 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.30 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: -5.1 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
88% of the 1268 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 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: 11.8 Max: 97
Current: -15.3
-78.8
97
GuruFocus has detected 6 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 30-Y Financials

Financials (Next Earnings Date: 2017-10-25 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NYSE:PFS, NAS:CFFN, NAS:NWBI, NYSE:AF, NAS:BOFI, NAS:KRNY, NAS:EBSB, NAS:OCFC, NAS:UBNK, NAS:LOB, NAS:CASH, NAS:FFIC, NAS:HMST, NAS:DCOM, NAS:HONE, NAS:WAFD, NAS:WSBF, NAS:FDEF, NAS:EBTC, NAS:BKMU » details
Traded in other countries:FL2P.Germany,
Headquarter Location:USA
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.

Headquartered in Troy, Mich., Flagstar is a thrift that originates, services, and sells loans across the United States. The bank has around $14.2 billion in assets and $7.8 billion in deposits. First mortgage, second mortgage, and commercial real estate loans collectively compose 88% of the bank's investment portfolio.

Ratios

vs
industry
vs
history
PE Ratio 12.06
FBC's PE Ratio is ranked higher than
64% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.61 vs. FBC: 12.06 )
Ranked among companies with meaningful PE Ratio only.
FBC' s PE Ratio Range Over the Past 10 Years
Min: 4.01  Med: 11.17 Max: 85.18
Current: 12.06
4.01
85.18
Forward PE Ratio 13.72
FBC's Forward PE Ratio is ranked higher than
65% of the 384 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.67 vs. FBC: 13.72 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 12.06
FBC's PE Ratio without NRI is ranked higher than
64% of the 1551 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. FBC: 12.06 )
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: 11.17 Max: 85.18
Current: 12.06
4.01
85.18
Price-to-Owner-Earnings 14.27
FBC's Price-to-Owner-Earnings is ranked higher than
50% of the 906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.97 vs. FBC: 14.27 )
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: 3.23 Max: 22.42
Current: 14.27
0.03
22.42
PB Ratio 1.32
FBC's PB Ratio is ranked lower than
55% of the 1629 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. FBC: 1.32 )
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: 1.32
Current: 1.32
0.06
1.32
PS Ratio 2.23
FBC's PS Ratio is ranked higher than
73% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.37 vs. FBC: 2.23 )
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: 2.54
Current: 2.23
0.08
2.54
EV-to-EBIT 27.28
FBC's EV-to-EBIT is ranked lower than
83% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.20 vs. FBC: 27.28 )
Ranked among companies with meaningful EV-to-EBIT only.
FBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -4928.8  Med: -7.65 Max: 190.2
Current: 27.28
-4928.8
190.2
EV-to-EBITDA 27.28
FBC's EV-to-EBITDA is ranked lower than
85% of the 1277 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.93 vs. FBC: 27.28 )
Ranked among companies with meaningful EV-to-EBITDA only.
FBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -368.7  Med: 15.1 Max: 6586.5
Current: 27.28
-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
67% of the 1086 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 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: -1.9 Max: 4
Current: -0.4
-351.8
4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.65
FBC's Price-to-Tangible-Book is ranked lower than
66% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. FBC: 1.65 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FBC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.17  Med: 1.54 Max: 26.47
Current: 1.65
0.17
26.47
Price-to-Median-PS-Value 2.30
FBC's Price-to-Median-PS-Value is ranked lower than
94% of the 1561 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. FBC: 2.30 )
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: 0.13  Med: 1.67 Max: 3.42
Current: 2.3
0.13
3.42
Price-to-Graham-Number 0.94
FBC's Price-to-Graham-Number is ranked higher than
52% of the 1460 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.94 vs. FBC: 0.94 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FBC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.3  Med: 0.84 Max: 3.26
Current: 0.94
0.3
3.26
Earnings Yield (Greenblatt) % 3.65
FBC's Earnings Yield (Greenblatt) % is ranked lower than
63% of the 1671 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.85 vs. FBC: 3.65 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FBC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -24.5  Med: -1.3 Max: 6.5
Current: 3.65
-24.5
6.5
Forward Rate of Return (Yacktman) % -6299.13
FBC's Forward Rate of Return (Yacktman) % is ranked lower than
100% of the 955 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.14 vs. FBC: -6299.13 )
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: -963.05 Max: 560.1
Current: -6299.13
-7285.1
560.1

More Statistics

Revenue (TTM) (Mil) $809.00
EPS (TTM) $ 2.58
Beta1.14
Short Percentage of Float3.16%
52-Week Range $21.78 - 31.57
Shares Outstanding (Mil)57.06

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $)
EPS ($) 2.16 2.62 2.90
EPS without NRI ($) 2.16 2.62 2.90
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 2.65 2.90
» More Articles for FBC

Headlines

Articles On GuruFocus.com
Flagstar Named a 2017 'Best Bank' By Kiplinger's Personal Finance May 31 2017 
Flagstar Names Ottaway to Drive Growth in Community Banking May 30 2017 
Flagstar Closes on Acquisition of Opes Advisors May 15 2017 
Flagstar to Audiocast 2017 Annual Meeting of Shareholders May 03 2017 
Flagstar Bank Receives Fannie Mae's STAR Performer Award for Second Straight Year Apr 05 2017 
Flagstar to Acquire Opes Advisors, Inc. Apr 03 2017 
Flagstar Announces First Quarter 2017 Earnings Call Apr 03 2017 
Arnold Schneider's Highest Performing Stocks Jul 23 2015 
SHAREHOLDER ALERT: Pomerantz Law Firm Announces the Filing of a Class Action Against Flagstar Bancor Oct 15 2014 
Flagstar Bancorp Inc. Reports Operating Results (10-K) Mar 15 2011 

More From Other Websites
ETFs with exposure to Flagstar Bancorp, Inc. : June 14, 2017 Jun 14 2017
Flagstar Bancorp, Inc. :FBC-US: Earnings Analysis: Q1, 2017 By the Numbers : June 1, 2017 Jun 01 2017
Flagstar Named a 2017 'Best Bank' By Kiplinger's Personal Finance May 31 2017
Flagstar Names Ottaway to Drive Growth in Community Banking May 30 2017
Flagstar Closes on Acquisition of Opes Advisors May 15 2017
Flagstar to Audiocast 2017 Annual Meeting of Shareholders May 03 2017
Edited Transcript of FBC earnings conference call or presentation 25-Apr-17 3:00pm GMT Apr 29 2017
Flagstar Bancorp beats Street 1Q forecasts Apr 25 2017
Flagstar Reports First Quarter 2017 Net Income of $27 million, or $0.46 per Diluted Share Apr 25 2017
Flagstar Bancorp, Inc. breached its 50 day moving average in a Bearish Manner : FBC-US : April 14,... Apr 14 2017
Flagstar Bank Receives Fannie Mae's STAR Performer Award for Second Straight Year Apr 05 2017
Flagstar to Acquire Opes Advisors, Inc. Apr 03 2017
Flagstar Announces First Quarter 2017 Earnings Call Apr 03 2017
Flagstar Bancorp, Inc. breached its 50 day moving average in a Bearish Manner : FBC-US : March 22,... Mar 22 2017
Flagstar Sponsors Race 13.1 Mar 13 2017
Flagstar Closes on Acquisition of Delegated Correspondent Business from Stearns Lending, LLC Feb 28 2017
U.S. Steel, Flagstar Bancorp, Facebook, Twitter and Alibaba Group highlighted as Zacks Bull and Bear... Feb 21 2017
Bear of the Day: Flagstar Bancorp (FBC) Feb 21 2017
Flagstar Bancorp, Inc.: Strong price momentum but will it sustain? Feb 14 2017
Flagstar Bancorp, Inc. breached its 50 day moving average in a Bullish Manner : FBC-US : February... Feb 14 2017

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