FLAGSTAR BANCORP INC (FBC) Stock Fundamental Analysis
USA - NYSE:FBC - US3379307057 - Common Stock
37.54 USD
+0.43 (+1.16%)
37.68 USD
+0.14 (+0.37%)
Taking everything into account, FBC scores 3 out of 10 in our fundamental rating. FBC was compared to 0 industry peers in the Thrifts & Mortgage Finance industry. Both the profitability and financial health of FBC have multiple concerns. FBC has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
FBC had positive earnings in the past year.
FBC had a positive operating cash flow in the past year.
1.2 Ratios
FBC has a Return On Assets of 1.07%. This is in the better half of the industry: FBC outperforms 62.50% of its industry peers.
The Return On Equity of FBC (10.36%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.07% | ||
| ROE | 10.36% | ||
| ROIC | N/A |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
FBC has a Profit Margin (19.85%) which is comparable to the rest of the industry.
FBC's Profit Margin has improved in the last couple of years.
FBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 19.85% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.21%
PM growth 5Y7.11%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
FBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
FBC has about the same amout of shares outstanding than it did 1 year ago.
Compared to 1 year ago, FBC has an improved debt to assets ratio.
2.2 Solvency
FBC has a debt to FCF ratio of 0.22. This is a very positive value and a sign of high solvency as it would only need 0.22 years to pay back of all of its debts.
FBC's Debt to FCF ratio of 0.22 is fine compared to the rest of the industry. FBC outperforms 63.64% of its industry peers.
FBC has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.15, FBC is not doing good in the industry: 61.36% of the companies in the same industry are doing better.
Although FBC does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 0.22 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.6%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for FBC have decreased strongly by -55.21% in the last year.
Measured over the past years, FBC shows a very strong growth in Earnings Per Share. The EPS has been growing by 34.99% on average per year.
Looking at the last year, FBC shows a very negative growth in Revenue. The Revenue has decreased by -29.27% in the last year.
Measured over the past years, FBC shows a quite strong growth in Revenue. The Revenue has been growing by 17.20% on average per year.
EPS 1Y (TTM)-55.21%
EPS 3Y52.31%
EPS 5Y34.99%
EPS Q2Q%-52.04%
Revenue 1Y (TTM)-29.27%
Revenue growth 3Y24.15%
Revenue growth 5Y17.2%
Sales Q2Q%-27.77%
3.2 Future
Based on estimates for the next years, FBC will show a very negative growth in Earnings Per Share. The EPS will decrease by -11.37% on average per year.
Based on estimates for the next years, FBC will show a small growth in Revenue. The Revenue will grow by 6.51% on average per year.
EPS Next Y-55.94%
EPS Next 2Y-32.69%
EPS Next 3Y-20.99%
EPS Next 5Y-11.37%
Revenue Next Year6.39%
Revenue Next 2Y10.85%
Revenue Next 3Y6.55%
Revenue Next 5Y6.51%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 7.10, the valuation of FBC can be described as very cheap.
Based on the Price/Earnings ratio, FBC is valued cheaply inside the industry as 80.68% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.76. FBC is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 7.76, the valuation of FBC can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FBC indicates a somewhat cheap valuation: FBC is cheaper than 76.14% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.63. FBC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.1 | ||
| Fwd PE | 7.76 |
4.2 Price Multiples
84.09% of the companies in the same industry are more expensive than FBC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.82 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
FBC's earnings are expected to decrease with -20.99% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.2
EPS Next 2Y-32.69%
EPS Next 3Y-20.99%
5. Dividend
5.1 Amount
FBC has a yearly dividend return of 0.63%, which is pretty low.
Compared to an average S&P500 Dividend Yield of 2.31, FBC's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.63% |
5.2 History
FBC has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
4.80% of the earnings are spent on dividend by FBC. This is a low number and sustainable payout ratio.
DP4.8%
EPS Next 2Y-32.69%
EPS Next 3Y-20.99%
37.54
+0.43 (+1.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryThrifts & Mortgage Finance
Earnings (Last)
Earnings (Next)
Inst Owners0.57%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap2.00B
Revenue(TTM)1.36B
Net Income(TTM)271.00M
Analysts48
Price Target38.76 (3.25%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.63% |
Yearly Dividend0.24
Dividend Growth(5Y)N/A
DP4.8%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.51%
Min EPS beat(2)6.74%
Max EPS beat(2)12.28%
EPS beat(4)3
Avg EPS beat(4)-1.57%
Min EPS beat(4)-27.48%
Max EPS beat(4)12.28%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)58.61%
Min Revenue beat(2)51.26%
Max Revenue beat(2)65.96%
Revenue beat(4)4
Avg Revenue beat(4)76.78%
Min Revenue beat(4)51.26%
Max Revenue beat(4)103.51%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.1 | ||
| Fwd PE | 7.76 | ||
| P/S | 1.47 | ||
| P/FCF | 0.82 | ||
| P/OCF | 0.72 | ||
| P/B | 0.77 | ||
| P/tB | 1.38 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.29
EY14.09%
EPS(NY)4.83
Fwd EY12.88%
FCF(TTM)45.58
FCFY121.41%
OCF(TTM)52.23
OCFY139.14%
SpS25.59
BVpS49.05
TBVpS27.19
PEG (NY)N/A
PEG (5Y)0.2
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.07% | ||
| ROE | 10.36% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 19.85% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.21%
PM growth 5Y7.11%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 0.22 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 422.62% | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 897.05% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score3
WACC4.6%
ROIC/WACCN/A
Cap/Depr(3y)65.83%
Cap/Depr(5y)113.35%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-55.21%
EPS 3Y52.31%
EPS 5Y34.99%
EPS Q2Q%-52.04%
EPS Next Y-55.94%
EPS Next 2Y-32.69%
EPS Next 3Y-20.99%
EPS Next 5Y-11.37%
Revenue 1Y (TTM)-29.27%
Revenue growth 3Y24.15%
Revenue growth 5Y17.2%
Sales Q2Q%-27.77%
Revenue Next Year6.39%
Revenue Next 2Y10.85%
Revenue Next 3Y6.55%
Revenue Next 5Y6.51%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y132.71%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y137.78%
OCF growth 3YN/A
OCF growth 5YN/A
FLAGSTAR BANCORP INC / FBC FAQ
What is the ChartMill fundamental rating of FLAGSTAR BANCORP INC (FBC) stock?
ChartMill assigns a fundamental rating of 3 / 10 to FBC.
What is the valuation status of FLAGSTAR BANCORP INC (FBC) stock?
ChartMill assigns a valuation rating of 9 / 10 to FLAGSTAR BANCORP INC (FBC). This can be considered as Undervalued.
How profitable is FLAGSTAR BANCORP INC (FBC) stock?
FLAGSTAR BANCORP INC (FBC) has a profitability rating of 2 / 10.
Can you provide the financial health for FBC stock?
The financial health rating of FLAGSTAR BANCORP INC (FBC) is 2 / 10.
What is the earnings growth outlook for FLAGSTAR BANCORP INC?
The Earnings per Share (EPS) of FLAGSTAR BANCORP INC (FBC) is expected to decline by -55.94% in the next year.