FLAGSTAR BANCORP INC (FBC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FBC - US3379307057 - Common Stock
37.54 USD
+0.43 (+1.16%)
37.68 USD
+0.14 (+0.37%)
Overall FBC gets a fundamental rating of 3 out of 10. We evaluated FBC against 0 industry peers in the Thrifts & Mortgage Finance industry. FBC may be in some trouble as it scores bad on both profitability and health. FBC is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year FBC was profitable.
In the past year FBC had a positive cash flow from operations.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.07%, FBC is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
FBC has a Return On Equity of 10.36%. This is comparable to the rest of the industry: FBC outperforms 59.09% of its industry peers.
| 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 in line with its industry peers.
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.
The debt/assets ratio for FBC has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of FBC is 0.22, which is an excellent value as it means it would take FBC, only 0.22 years of fcf income to pay off 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.
FBC's Debt to Equity ratio of 0.15 is on the low side compared to the rest of the industry. FBC is outperformed by 61.36% of its industry peers.
Even though the debt/equity ratio score it not favorable for FBC, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| 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.
The Earnings Per Share has been growing by 34.99% on average over the past years. This is a very strong growth
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
FBC is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -11.37% yearly.
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
A Price/Earnings ratio of 7.10 indicates a rather cheap valuation of FBC.
Compared to the rest of the industry, the Price/Earnings ratio of FBC indicates a rather cheap valuation: FBC is cheaper than 80.68% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of FBC to the average of the S&P500 Index (26.41), we can say FBC is valued rather cheaply.
The Price/Forward Earnings ratio is 7.76, which indicates a rather cheap valuation of FBC.
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.
When comparing the Price/Forward Earnings ratio of FBC to the average of the S&P500 Index (35.40), we can say FBC is valued rather cheaply.
| 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
A cheap valuation may be justified as FBC's earnings are expected to decrease with -20.99% in the coming years.
PEG (NY)N/A
PEG (5Y)0.2
EPS Next 2Y-32.69%
EPS Next 3Y-20.99%
5. Dividend
5.1 Amount
With a yearly dividend of 0.63%, FBC is not a good candidate for dividend investing.
With a Dividend Yield of 0.63, FBC pays less dividend than the S&P500 average, which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.63% |
5.2 History
FBC has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
FBC pays out 4.80% of its income as dividend. This is a 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.