FLAGSTAR BANCORP INC (FBC)
US3379307057 - Common Stock
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 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.
In the past year FBC had a positive cash flow from operations.
FBC had positive earnings in each of the past 5 years.
FBC had a negative operating cash flow in each of the past 5 years.
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.
Looking at the Return On Equity, with a value of 10.36%, FBC is in line with its industry, outperforming 59.09% of the companies in the same 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.
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.
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.
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 has a better Debt to FCF ratio (0.22) than 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 has a worse Debt to Equity ratio (0.15) than 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 |
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%.
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.
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 growth Q2Q-52.04%
Revenue 1Y (TTM)-29.27%
Revenue growth 3Y24.15%
Revenue growth 5Y17.2%
Revenue growth 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.
The Revenue is expected to grow by 6.51% on average over the next years.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 7.10, which 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.
FBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.20.
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 21.63, 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
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 2.44.
| 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%
FLAGSTAR BANCORP INC
NYSE:FBC (11/30/2022, 7:04:00 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)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap2.00B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.63% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
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EPS beat(12)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.1 | ||
| Fwd PE | 7.76 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.2
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.07% | ||
| ROE | 10.36% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 19.85% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-55.21%
EPS 3Y52.31%
EPS 5Y
EPS growth Q2Q
EPS Next Y-55.94%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-29.27%
Revenue growth 3Y24.15%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y