FLAGSTAR BANCORP INC (FBC) Fundamental Analysis & Valuation

NYSE:FBC • US3379307057

Current stock price

37.54 USD
+0.43 (+1.16%)
At close:
37.68 USD
+0.14 (+0.37%)
After Hours:

This FBC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. FBC Profitability Analysis

1.1 Basic Checks

  • In the past year FBC was profitable.
  • FBC had a positive operating cash flow in the past year.
FBC Yearly Net Income VS EBIT VS OCF VS FCFFBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 0 -5B -10B -15B -20B -25B

1.2 Ratios

  • FBC's Return On Assets of 1.07% is fine compared to the rest of the industry. FBC outperforms 62.50% of its industry peers.
  • FBC's Return On Equity of 10.36% is in line compared to the rest of the industry. FBC outperforms 59.09% of its industry peers.
Industry RankSector 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
FBC Yearly ROA, ROE, ROICFBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 5 10 15 20

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 RankSector 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
FBC Yearly Profit, Operating, Gross MarginsFBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 5 10 15 20 25

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3

2. FBC Health Analysis

2.1 Basic Checks

  • FBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for FBC remains at a similar level compared to 1 year ago.
  • Compared to 1 year ago, FBC has an improved debt to assets ratio.
FBC Yearly Shares OutstandingFBC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 10M 20M 30M 40M 50M
FBC Yearly Total Debt VS Total AssetsFBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 10B 20B 30B

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 has a Debt to FCF ratio of 0.22. This is in the better half 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.
  • Looking at the Debt to Equity ratio, with a value of 0.15, FBC is doing worse than 61.36% of the companies in the same industry.
  • Although FBC's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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 RankSector Rank
Debt/Equity 0.15
Debt/FCF 0.22
Altman-Z N/A
ROIC/WACCN/A
WACC4.6%
FBC Yearly LT Debt VS Equity VS FCFFBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 0 -5B -10B -15B -20B -25B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. FBC Growth Analysis

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
  • The Revenue for FBC has decreased by -29.27% in the past year. This is quite bad
  • FBC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 17.20% yearly.
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
FBC Yearly Revenue VS EstimatesFBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 500M 1B 1.5B
FBC Yearly EPS VS EstimatesFBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6 8 10

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6

4. FBC Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.10, the valuation of FBC can be described as very cheap.
  • 80.68% of the companies in the same industry are more expensive than FBC, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 25.71. FBC is valued rather cheaply when compared to this.
  • FBC is valuated cheaply with a Price/Forward Earnings ratio of 7.76.
  • FBC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FBC is cheaper than 76.14% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.83, FBC is valued rather cheaply.
Industry RankSector Rank
PE 7.1
Fwd PE 7.76
FBC Price Earnings VS Forward Price EarningsFBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, FBC is valued cheaper than 84.09% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.82
EV/EBITDA N/A
FBC Per share dataFBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

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%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

2

5. FBC Dividend Analysis

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 1.91.
Industry RankSector 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
FBC Yearly Dividends per shareFBC Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 0.5 1 1.5 2 2.5

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%
FBC Yearly Income VS Free CF VS DividendFBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 0 -5B -10B -15B -20B -25B
FBC Dividend Payout.FBC Dividend Payout, showing the Payout Ratio.FBC Dividend Payout.PayoutRetained Earnings

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FBC Fundamentals: All Metrics, Ratios and Statistics

FLAGSTAR BANCORP INC

NYSE:FBC (11/30/2022, 8:04:00 PM)

After market: 37.68 +0.14 (+0.37%)

37.54

+0.43 (+1.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryThrifts & Mortgage Finance
Earnings (Last)10-26
Earnings (Next)01-24
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 RankSector 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 RankSector 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 RankSector 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 RankSector 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 Fundamental Analysis 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 for 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.


What is the financial health of FLAGSTAR BANCORP INC (FBC) stock?

The financial health rating of FLAGSTAR BANCORP INC (FBC) is 2 / 10.


Is the dividend of FLAGSTAR BANCORP INC sustainable?

The dividend rating of FLAGSTAR BANCORP INC (FBC) is 3 / 10 and the dividend payout ratio is 4.8%.