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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 : 3/10

vs
industry
vs
history
Cash-to-Debt 0.04
FBC's Cash-to-Debt is ranked lower than
98% of the 1639 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.05 vs. FBC: 0.04 )
Ranked among companies with meaningful Cash-to-Debt only.
FBC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.07 Max: 0.83
Current: 0.04
0.02
0.83
Equity-to-Asset 0.09
FBC's Equity-to-Asset is ranked lower than
62% of the 1624 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
Debt-to-Equity 4.04
FBC's Debt-to-Equity is ranked lower than
95% of the 1247 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.63 vs. FBC: 4.04 )
Ranked among companies with meaningful Debt-to-Equity only.
FBC' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.33  Med: 5.25 Max: 11.54
Current: 4.04
0.33
11.54
Debt-to-EBITDA 29.00
FBC's Debt-to-EBITDA is ranked lower than
90% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.03 vs. FBC: 29.00 )
Ranked among companies with meaningful Debt-to-EBITDA only.
FBC' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -25.49  Med: -10.32 Max: 148.35
Current: 29
-25.49
148.35
Interest Coverage 1.68
FBC's Interest Coverage is ranked higher than
56% of the 1562 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.72 vs. FBC: 1.68 )
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: 1.68
0.29
3.53
WACC vs ROIC
4.81%
2.39%
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 % 24.82
FBC's Operating Margin % is ranked lower than
60% of the 1650 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 32.07 vs. FBC: 24.82 )
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: 24.82
-120.05
31.85
Net Margin % 16.71
FBC's Net Margin % is ranked lower than
65% of the 1650 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.99 vs. FBC: 16.71 )
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: 16.71
-78.1
31.82
ROE % 9.92
FBC's ROE % is ranked higher than
67% of the 1653 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.60 vs. FBC: 9.92 )
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: 9.92
-96.13
19.11
ROA % 0.89
FBC's ROA % is ranked higher than
62% of the 1657 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. FBC: 0.89 )
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: 0.89
-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 1479 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.20 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 1354 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 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 7 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: 2018-01-24)


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

» Details

Guru Trades

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
Q1 2017

FBC Guru Trades in Q1 2017

Paul Singer Sold Out
Arnold Schneider 103,296 sh (-13.58%)
Jim Simons 614,112 sh (-30.10%)
» More
Q2 2017

FBC Guru Trades in Q2 2017

Arnold Schneider 115,871 sh (+12.17%)
Jim Simons 493,412 sh (-19.65%)
» More
Q3 2017

FBC Guru Trades in Q3 2017

Chuck Royce 340 sh (New)
Arnold Schneider 140,871 sh (+21.58%)
Jim Simons 508,212 sh (+3.00%)
» 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 2017-09-30 Add 21.58%0.16%$29.89 - $35.48 $ 36.6414%140,871
Arnold Schneider 2017-06-30 Add 12.17%0.07%$27.59 - $31.36 $ 36.6424%115,871
Arnold Schneider 2017-03-31 Reduce -13.58%0.07%$25.42 - $29.1 $ 36.6435%103,296
Arnold Schneider 2016-12-31 Reduce -36.12%0.3%$26.35 - $29.08 $ 36.6433%119,527
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NYSE:AF, NAS:CFFN, NYSE:PFS, NAS:NWBI, NAS:BOFI, NAS:KRNY, NAS:WAFD, NAS:EBSB, NAS:UBNK, NAS:OCFC, NAS:LOB, NAS:FFIC, NAS:DCOM, NAS:HMST, NAS:CASH, NZSE:HBL, OSTO:NDX, NAS:HONE, NAS:WSBF, NAS:FDEF » 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 offers commercial, small business, and consumer banking services mortgage and banking products to consumer, commercial, and government customers.

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 15.46
FBC's PE Ratio is ranked higher than
57% of the 1528 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.62 vs. FBC: 15.46 )
Ranked among companies with meaningful PE Ratio only.
FBC' s PE Ratio Range Over the Past 10 Years
Min: 4.01  Med: 11.59 Max: 85.18
Current: 15.46
4.01
85.18
Forward PE Ratio 12.58
FBC's Forward PE Ratio is ranked higher than
63% of the 372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.77 vs. FBC: 12.58 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 15.46
FBC's PE Ratio without NRI is ranked higher than
57% of the 1531 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.75 vs. FBC: 15.46 )
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: 11.59 Max: 85.18
Current: 15.46
4.01
85.18
Price-to-Owner-Earnings 21.99
FBC's Price-to-Owner-Earnings is ranked lower than
61% of the 922 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.44 vs. FBC: 21.99 )
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: 3.57 Max: 22.67
Current: 21.99
0.03
22.67
PB Ratio 1.43
FBC's PB Ratio is ranked lower than
64% of the 1636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.22 vs. FBC: 1.43 )
Ranked among companies with meaningful PB Ratio only.
FBC' s PB Ratio Range Over the Past 10 Years
Min: 0.06  Med: 0.8 Max: 1.49
Current: 1.43
0.06
1.49
PS Ratio 2.59
FBC's PS Ratio is ranked higher than
68% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.44 vs. FBC: 2.59 )
Ranked among companies with meaningful PS Ratio only.
FBC' s PS Ratio Range Over the Past 10 Years
Min: 0.08  Med: 0.96 Max: 2.69
Current: 2.59
0.08
2.69
EV-to-EBIT 38.23
FBC's EV-to-EBIT is ranked lower than
87% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.71 vs. FBC: 38.23 )
Ranked among companies with meaningful EV-to-EBIT only.
FBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -4928.8  Med: -7.7 Max: 190.2
Current: 38.23
-4928.8
190.2
EV-to-EBITDA 38.23
FBC's EV-to-EBITDA is ranked lower than
89% of the 1254 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.38 vs. FBC: 38.23 )
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: 38.23
-368.7
6586.5
EV-to-Revenue 9.47
FBC's EV-to-Revenue is ranked lower than
85% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.22 vs. FBC: 9.47 )
Ranked among companies with meaningful EV-to-Revenue only.
FBC' s EV-to-Revenue Range Over the Past 10 Years
Min: 1.3  Med: 5.6 Max: 20.5
Current: 9.47
1.3
20.5

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
68% of the 1129 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.20 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 1.74
FBC's Price-to-Tangible-Book is ranked lower than
66% of the 1630 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. FBC: 1.74 )
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: 1.74
0.17
26.47
Price-to-Median-PS-Value 2.72
FBC's Price-to-Median-PS-Value is ranked lower than
95% of the 1469 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. FBC: 2.72 )
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: 1.69 Max: 3.44
Current: 2.72
0.13
3.44
Price-to-Graham-Number 1.09
FBC's Price-to-Graham-Number is ranked lower than
53% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. FBC: 1.09 )
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: 0.85 Max: 3.26
Current: 1.09
0.3
3.26
Earnings Yield (Greenblatt) % 2.63
FBC's Earnings Yield (Greenblatt) % is ranked lower than
66% of the 1657 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.51 vs. FBC: 2.63 )
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: 2.63
-24.5
6.5
Forward Rate of Return (Yacktman) % -5366.02
FBC's Forward Rate of Return (Yacktman) % is ranked lower than
100% of the 981 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.33 vs. FBC: -5366.02 )
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: -1137.9 Max: 560.1
Current: -5366.02
-7285.1
560.1

More Statistics

Revenue (TTM) (Mil) $814.00
EPS (TTM) $ 2.37
Beta1.32
Short Percentage of Float6.10%
52-Week Range $25.06 - 38.26
Shares Outstanding (Mil)57.18

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $)
EPS ($) 2.33 2.90 3.20
EPS without NRI ($) 2.33 2.90 3.20
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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