| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 0/6 |
| Past Performance | 3/6 |
| Financial Health | 6/6 |
| Dividends | 0/6 |
FBC Stock Overview
Flagstar Bancorp, Inc. operates as a savings and loan holding company for Flagstar Bank, FSB that provides commercial and consumer banking services to consumer, commercial, and government customers in the United States.
Flagstar Bancorp Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$48.54 |
| 52 Week High | US$56.77 |
| 52 Week Low | US$40.69 |
| Beta | 1.56 |
| 1 Month Change | 5.18% |
| 3 Month Change | -12.05% |
| 1 Year Change | 2.88% |
| 3 Year Change | 61.00% |
| 5 Year Change | 85.41% |
| Change since IPO | -83.36% |
Recent News & Updates
Shareholder Returns
| FBC | US Mortgage | US Market | |
|---|---|---|---|
| 7D | -6.9% | -5.4% | -4.0% |
| 1Y | 2.9% | -11.8% | 6.6% |
Return vs Industry: FBC exceeded the US Mortgage industry which returned -10.5% over the past year.
Return vs Market: FBC underperformed the US Market which returned 7.7% over the past year.
Price Volatility
| FBC volatility | |
|---|---|
| FBC Average Weekly Movement | 4.4% |
| Mortgage Industry Average Movement | 3.7% |
| Market Average Movement | 6.6% |
| 10% most volatile stocks in US Market | 15.7% |
| 10% least volatile stocks in US Market | 2.4% |
Stable Share Price: FBC is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: FBC's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1987 | 5,461 | Sandro DiNello | https://www.flagstar.com |
Flagstar Bancorp, Inc. operates as a savings and loan holding company for Flagstar Bank, FSB that provides commercial and consumer banking services to consumer, commercial, and government customers in the United States. It operates in three segments: Community Banking, Mortgage Originations, and Mortgage Servicing. The Community Banking segment offers various products, such as checking accounts, savings accounts, money market accounts, certificates of deposit, consumer and commercial loans, commercial real estate loans, equipment finance and leasing, home builder finance loans, and warehouse lines of credit.
Flagstar Bancorp Fundamentals Summary
| FBC fundamental statistics | |
|---|---|
| Market Cap | US$2.57b |
| Earnings (TTM) | US$602.00m |
| Revenue (TTM) | US$2.04b |
4.3x
P/E Ratio1.0x
P/B RatioIs FBC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| FBC income statement (TTM) | |
|---|---|
| Revenue | US$2.04b |
| Cost of Revenue | US$0 |
| Gross Profit | US$2.04b |
| Expenses | US$1.44b |
| Earnings | US$602.00m |
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 11.39 |
| Gross Margin | 100.00% |
| Net Profit Margin | 29.54% |
| Debt/Equity Ratio | 145.9% |
How did FBC perform over the long term?
See historical performance and comparisonDividends
0.5%
Current Dividend Yield2%
Payout RatioValuation
Is Flagstar Bancorp undervalued compared to its fair value and its price relative to the market?
>50%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: FBC ($48.54) is trading below our estimate of fair value ($120.98)
Significantly Below Fair Value: FBC is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: FBC is good value based on its PE Ratio (4.3x) compared to the US Mortgage industry average (12.9x).
PE vs Market: FBC is good value based on its PE Ratio (4.3x) compared to the US market (16.9x).
Price to Earnings Growth Ratio
PEG Ratio: FBC's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: FBC's PB Ratio (1x) is in line with the US Mortgage industry average.
Future Growth
How is Flagstar Bancorp forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
-33.0%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: FBC's earnings are forecast to decline over the next 3 years (-33% per year).
Earnings vs Market: FBC's earnings are forecast to decline over the next 3 years (-33% per year).
High Growth Earnings: FBC's earnings are forecast to decline over the next 3 years.
Revenue vs Market: FBC's revenue is expected to decline over the next 3 years (-32.6% per year).
High Growth Revenue: FBC's revenue is forecast to decline over the next 3 years (-32.6% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: FBC's Return on Equity is forecast to be low in 3 years time (10.8%).
Past Performance
How has Flagstar Bancorp performed over the past 5 years?
40.2%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: FBC has a high level of non-cash earnings.
Growing Profit Margin: FBC's current net profit margins (29.5%) are higher than last year (27.4%).
Past Earnings Growth Analysis
Earnings Trend: FBC's earnings have grown significantly by 40.2% per year over the past 5 years.
Accelerating Growth: FBC's earnings growth over the past year (36.2%) is below its 5-year average (40.2% per year).
Earnings vs Industry: FBC earnings growth over the past year (36.2%) exceeded the Mortgage industry 32.1%.
Return on Equity
High ROE: Whilst FBC's Return on Equity (22.76%) is high, this metric is skewed due to their high level of debt.
Financial Health
How is Flagstar Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: FBC's Assets to Equity ratio (10.2x) is moderate.
Allowance for Bad Loans: FBC has a sufficient allowance for bad loans (164%).
Low Risk Liabilities: 79% of FBC's liabilities are made up of primarily low risk sources of funding.
Loan Level: FBC has an appropriate level of Loans to Assets ratio (52%).
Low Risk Deposits: FBC's Loans to Deposits ratio (73%) is appropriate.
Level of Bad Loans: FBC has an appropriate level of bad loans (0.7%).
Dividend
What is Flagstar Bancorp current dividend yield, its reliability and sustainability?
0.49%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: FBC's dividend (0.49%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.34%).
High Dividend: FBC's dividend (0.49%) is low compared to the top 25% of dividend payers in the US market (3.49%).
Stability and Growth of Payments
Stable Dividend: FBC is not paying a notable dividend for the US market, therefore no need to check if payments are stable.
Growing Dividend: FBC is not paying a notable dividend for the US market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Dividend Coverage: FBC is not paying a notable dividend for the US market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of FBC's dividend in 3 years as they are not forecast to pay a notable one for the US market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
7.0yrs
Average management tenure
CEO
Sandro DiNello (66 yo)
8.67yrs
Tenure
US$3,734,177
Compensation
Mr. Alessandro P. DiNello, also known as Sandro, has been the Chief Executive Officer and President of Flagstar Bancorp Inc. since May 15, 2013. Mr. DiNello has been Chief Executive Officer and President o...
CEO Compensation Analysis
Compensation vs Market: Sandro's total compensation ($USD3.73M) is about average for companies of similar size in the US market ($USD5.15M).
Compensation vs Earnings: Sandro's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: FBC's management team is seasoned and experienced (7 years average tenure).
Board Members
Experienced Board: FBC's board of directors are considered experienced (8.8 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Flagstar Bancorp, Inc.'s employee growth, exchange listings and data sources
Key Information
- Name: Flagstar Bancorp, Inc.
- Ticker: FBC
- Exchange: NYSE
- Founded: 1987
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Implied Market Cap: US$2.566b
- Shares outstanding: 52.86m
- Website: https://www.flagstar.com
Number of Employees
Location
- Flagstar Bancorp, Inc.
- 5151 Corporate Drive
- Troy
- Michigan
- 48098-2639
- United States
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/01/20 23:55 |
| End of Day Share Price | 2022/01/20 00:00 |
| Earnings | 2021/09/30 |
| Annual Earnings | 2020/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.