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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
NYSE:FBC's Cash-to-Debt is ranked lower than
98% of the 1615 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.12 vs. NYSE:FBC: 0.04 )
Ranked among companies with meaningful Cash-to-Debt only.
NYSE: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 0.08
NYSE:FBC's Equity-to-Asset is ranked lower than
70% of the 1617 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.11 vs. NYSE:FBC: 0.08 )
Ranked among companies with meaningful Equity-to-Asset only.
NYSE:FBC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.03  Med: 0.06 Max: 0.15
Current: 0.08
0.03
0.15
Debt-to-Equity 4.15
NYSE:FBC's Debt-to-Equity is ranked lower than
96% of the 1231 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.63 vs. NYSE:FBC: 4.15 )
Ranked among companies with meaningful Debt-to-Equity only.
NYSE:FBC' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.33  Med: 5.23 Max: 11.54
Current: 4.15
0.33
11.54
Debt-to-EBITDA 7.28
NYSE:FBC's Debt-to-EBITDA is ranked lower than
94% of the 1243 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.24 vs. NYSE:FBC: 7.28 )
Ranked among companies with meaningful Debt-to-EBITDA only.
NYSE:FBC' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 7.28
Current: 7.28
0
7.28
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
Net Margin % 8.72
NYSE:FBC's Net Margin % is ranked lower than
87% of the 1630 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.23 vs. NYSE:FBC: 8.72 )
Ranked among companies with meaningful Net Margin % only.
NYSE:FBC' s Net Margin % Range Over the Past 10 Years
Min: -66.36  Med: -3.17 Max: 33.63
Current: 8.72
-66.36
33.63
ROE % 5.03
NYSE:FBC's ROE % is ranked lower than
76% of the 1631 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.44 vs. NYSE:FBC: 5.03 )
Ranked among companies with meaningful ROE % only.
NYSE:FBC' s ROE % Range Over the Past 10 Years
Min: -96.13  Med: -0.2 Max: 20.19
Current: 5.03
-96.13
20.19
ROA % 0.43
NYSE:FBC's ROA % is ranked lower than
78% of the 1634 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. NYSE:FBC: 0.43 )
Ranked among companies with meaningful ROA % only.
NYSE:FBC' s ROA % Range Over the Past 10 Years
Min: -3.52  Med: -0.16 Max: 2.27
Current: 0.43
-3.52
2.27
3-Year Revenue Growth Rate 9.30
NYSE:FBC's 3-Year Revenue Growth Rate is ranked lower than
78% of the 1453 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.40 vs. NYSE:FBC: 9.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NYSE:FBC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -73.5  Med: -0.9 Max: 54.1
Current: 9.3
-73.5
54.1
GuruFocus has detected 4 Warning Signs with Flagstar Bancorp Inc NYSE:FBC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NYSE:FBC's 30-Y Financials

Financials (Next Earnings Date: 2018-07-25)


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

» Details

Guru Trades

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
Q4 2017

FBC Guru Trades in Q4 2017

Jeremy Grantham 17,800 sh (New)
Jim Simons 662,012 sh (+30.26%)
Chuck Royce 329 sh (-3.24%)
Arnold Schneider 11,463 sh (-91.86%)
» More
Q1 2018

FBC Guru Trades in Q1 2018

Jim Simons 727,012 sh (+9.82%)
Jeremy Grantham 18,300 sh (+2.81%)
Chuck Royce Sold Out
Arnold Schneider 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 2018-03-31 Sold Out 0.09%$34.82 - $39.24 $ 35.16-4%0
Arnold Schneider 2017-12-31 Reduce -91.86%0.83%$34.82 - $38.48 $ 35.16-4%11,463
Arnold Schneider 2017-09-30 Add 21.58%0.16%$29.89 - $35.48 $ 35.1610%140,871
Arnold Schneider 2017-06-30 Add 12.17%0.07%$27.59 - $31.36 $ 35.1619%115,871
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:PFS, NAS:CFFN, NAS:NWBI, NAS:BOFI, NAS:KRNY, NAS:OCFC, NAS:WAFD, NAS:LOB, NAS:CASH, NAS:EBSB, NAS:UBNK, OSTO:NDX, NAS:DCOM, NAS:FFIC, NZSE:HBL, NAS:HMST, NAS:FDEF, NAS:HONE, NAS:UCFC, NAS:WSBF » 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 28.82
FBC's PE Ratio is ranked lower than
89% of the 1497 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.27 vs. FBC: 28.82 )
Ranked among companies with meaningful PE Ratio only.
FBC' s PE Ratio Range Over the Past 10 Years
Min: 4.01  Med: 11.6 Max: 85.18
Current: 28.82
4.01
85.18
Forward PE Ratio 12.00
FBC's Forward PE Ratio is ranked higher than
71% of the 443 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.87 vs. FBC: 12.00 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 28.82
FBC's PE Ratio without NRI is ranked lower than
89% of the 1499 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.29 vs. FBC: 28.82 )
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: 11.6 Max: 85.18
Current: 28.82
4.01
85.18
Price-to-Owner-Earnings 74.49
FBC's Price-to-Owner-Earnings is ranked lower than
75% of the 896 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.46 vs. FBC: 74.49 )
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: 8 Max: 110.56
Current: 74.49
0.03
110.56
PB Ratio 1.42
FBC's PB Ratio is ranked lower than
65% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.24 vs. FBC: 1.42 )
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: 1.6
Current: 1.42
0.06
1.6
PS Ratio 2.52
FBC's PS Ratio is ranked higher than
67% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. FBC: 2.52 )
Ranked among companies with meaningful PS Ratio only.
FBC' s PS Ratio Range Over the Past 10 Years
Min: 0.08  Med: 1.01 Max: 2.92
Current: 2.52
0.08
2.92
EV-to-Revenue 9.47
FBC's EV-to-Revenue is ranked lower than
85% of the 1276 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.24 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: 1.4  Med: 5.9 Max: 20.5
Current: 9.47
1.4
20.5

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -0.60
FBC's 3-Year Average Share Buyback Ratio is ranked higher than
68% of the 1082 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.20 vs. FBC: -0.60 )
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: -0.6
-351.8
4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.81
FBC's Price-to-Tangible-Book is ranked lower than
73% of the 1603 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. FBC: 1.81 )
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: 1.55 Max: 26.47
Current: 1.81
0.17
26.47
Price-to-Median-PS-Value 2.50
FBC's Price-to-Median-PS-Value is ranked lower than
96% of the 1419 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. FBC: 2.50 )
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: 0.11  Med: 1.72 Max: 3.29
Current: 2.5
0.11
3.29
Price-to-Graham-Number 1.52
FBC's Price-to-Graham-Number is ranked lower than
58% of the 1378 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.99 vs. FBC: 1.52 )
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: 1.52
0.3
3.26

More Statistics

Revenue (TTM) (Mil) $814.00
EPS (TTM) $ 1.22
Beta1.14
Volatility14.00%
52-Week Range $29.61 - 40.06
Shares Outstanding (Mil)57.57

Analyst Estimate

Dec18 Dec19
Revenue (Mil $)
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 3.00 3.74
EPS without NRI ($) 3.00 3.74
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

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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