FBC Fundamental Analysis - FLAGSTAR BANCORP INC

Fundamental Rating

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 on the other hand it scores bad on growth.

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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

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 in line with its industry peers.

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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

With a decent Debt to FCF ratio value of 0.22, FBC is doing good in the industry, outperforming 63.64% of the companies in the same industry.

A Debt/Equity ratio of 0.15 indicates that FBC is not too dependend on debt financing.

FBC has a Debt to Equity ratio of 0.15. This is in the lower half of the industry: FBC underperforms 61.36% of its industry peers.

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

FBC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -55.21%.

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.

FBC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.51% yearly.

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

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 7.10 indicates a rather cheap valuation of FBC.

Based on the Price/Earnings ratio, FBC is valued cheaper than 80.68% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 27.38. FBC is valued rather cheaply when compared to this.

With a Price/Forward Earnings ratio of 7.76, the valuation of FBC can be described as very cheap.

76.14% of the companies in the same industry are more expensive than FBC, based on the Price/Forward Earnings ratio.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.86, FBC is valued rather cheaply.

		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

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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5. Dividend

5.1 Amount

FBC has a yearly dividend return of 0.63%, which is pretty low.

With a Dividend Yield of 0.63, FBC pays less dividend than the S&P500 average, which is at 2.38.

		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%

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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 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

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

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

ROICexcg growth 3YN/A

ROICexcg 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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens