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%)
We assign a fundamental rating of 3 out of 10 to FBC. 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
- In the past year FBC was profitable.
- FBC had a positive operating cash flow in the past year.
1.2 Ratios
- The Return On Assets of FBC (1.07%) is better than 62.50% of its industry peers.
- 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
- With a Profit Margin value of 19.85%, FBC perfoms like the industry average, outperforming 40.91% of the companies in the same industry.
- In the last couple of years the Profit Margin of FBC has grown nicely.
- The Operating Margin and Gross Margin are not available for FBC so they could not be analyzed.
| 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.
- The number of shares outstanding for FBC remains at a similar level compared to 1 year ago.
- FBC has a better debt/assets ratio than last year.
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 better Debt to FCF ratio (0.22) than 63.64% of its industry peers.
- A Debt/Equity ratio of 0.15 indicates that FBC is not too dependend on debt financing.
- 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.
- 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
- 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
- FBC is valuated cheaply with a Price/Earnings ratio of 7.10.
- Based on the Price/Earnings ratio, FBC is valued cheaply inside the industry as 80.68% of the companies are valued more expensively.
- FBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.32.
- A Price/Forward Earnings ratio of 7.76 indicates a rather cheap valuation of FBC.
- 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.
- FBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.1 | ||
| Fwd PE | 7.76 |
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 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.
- Compared to an average S&P500 Dividend Yield of 1.86, FBC's dividend is way lower than the S&P500 average.
| 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
- 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)10-26 2022-10-26/bmo
Earnings (Next)01-24 2023-01-24
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 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 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%.