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FLAGSTAR BANCORP INC (FBC) Stock Fundamental Analysis

NYSE:FBC - New York Stock Exchange, Inc. - US3379307057 - Common Stock - Currency: USD

37.54  +0.43 (+1.16%)

After market: 37.68 +0.14 (+0.37%)

Fundamental Rating

3

Taking everything into account, FBC scores 3 out of 10 in our fundamental rating. 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 is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

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 2015 2016 2017 2018 2019 2020 2021 0 -5B -10B -15B -20B -25B

1.2 Ratios

FBC has a better Return On Assets (1.07%) than 62.50% of its industry peers.
FBC has a Return On Equity (10.36%) which is in line with 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 2015 2016 2017 2018 2019 2020 2021 5 10 15 20

1.3 Margins

Looking at the Profit Margin, with a value of 19.85%, FBC is in line with its industry, outperforming 40.91% of the companies in the same industry.
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 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 2015 2016 2017 2018 2019 2020 2021 5 10 15 20 25

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3

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.
FBC Yearly Shares OutstandingFBC Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 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.
The Debt to FCF ratio of FBC (0.22) is better than 63.64% of its industry peers.
A Debt/Equity ratio of 0.15 indicates that FBC is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.15, FBC is not doing good in the industry: 61.36% of the companies in the same industry are doing better.
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 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 2015 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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3

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%.
FBC shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 34.99% yearly.
The Revenue for FBC has decreased by -29.27% in the past year. This is quite bad
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

The Earnings Per Share is expected to decrease by -11.37% on average over the next years. This is quite bad
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

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.
FBC Yearly Revenue VS EstimatesFBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 2 4 6 8 10

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 7.10, the valuation of FBC can be described as very cheap.
Based on the Price/Earnings ratio, FBC is valued cheaper than 80.68% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 29.62, FBC is valued rather cheaply.
A Price/Forward Earnings ratio of 7.76 indicates a rather cheap valuation of FBC.
76.14% of the companies in the same industry are more expensive than FBC, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of FBC to the average of the S&P500 Index (22.70), we can say 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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FBC indicates a rather cheap valuation: FBC is cheaper than 84.09% of the companies listed 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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2

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 2.27.
Industry RankSector Rank
Dividend Yield 0.63%

5.2 History

FBC has been paying a dividend for less than 5 years, so it still needs to build a track record.
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 2015 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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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 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
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
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 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