NYSE:FBC

Stock Analysis Report

Executive Summary

Flagstar Bancorp, Inc. operates as a savings and loan holding company for Flagstar Bank, FSB that provides commercial and consumer banking services to individuals and businesses in the United States.

Snowflake

Fundamentals

Flawless balance sheet with proven track record.


Similar Companies

Share Price & News

How has Flagstar Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-0.7%

NYSE:FBC

-1.2%

US Mortgage

-1.6%

US Market


1 Year Return

5.2%

NYSE:FBC

-2.8%

US Mortgage

-3.0%

US Market

FBC outperformed the Mortgage industry which returned -2.8% over the past year.

FBC outperformed the Market in United States of America which returned -3% over the past year.


Share holder returns

FBCIndustryMarket
7 Day-0.7%-1.2%-1.6%
30 Day3.6%-2.7%-5.7%
90 Day12.8%-1.6%0.2%
1 Year5.5%5.2%-0.8%-2.8%-0.8%-3.0%
3 Year27.6%27.3%29.8%21.1%38.1%29.1%
5 Year103.8%103.3%55.3%39.0%50.8%34.1%

Price Volatility Vs. Market

How volatile is Flagstar Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Flagstar Bancorp undervalued based on future cash flows and its price relative to the stock market?

25%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Flagstar Bancorp's share price is below the future cash flow value, and at a moderate discount (> 20%).

Flagstar Bancorp's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

Flagstar Bancorp is good value based on earnings compared to the US Mortgage industry average.

Flagstar Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Flagstar Bancorp is poor value based on expected growth next year.


Price Based on Value of Assets

Flagstar Bancorp is overvalued based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

How is Flagstar Bancorp expected to perform in the next 1 to 3 years based on estimates from 8 analysts?

7.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Flagstar Bancorp's revenue is expected to decrease over the next 1-3 years, this is not considered high growth.

Flagstar Bancorp's earnings are expected to grow by 7.4% yearly, however this is not considered high growth (20% yearly).

Flagstar Bancorp's revenues are expected to decrease over the next 1-3 years, this is below the United States of America market average.

Flagstar Bancorp's earnings growth is positive but not above the United States of America market average.

Flagstar Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Flagstar Bancorp is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has Flagstar Bancorp performed over the past 5 years?

21.8%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Flagstar Bancorp has delivered over 20% year on year earnings growth in the past 5 years.

Flagstar Bancorp's 1-year earnings growth exceeds its 5-year average (148.8% vs 21.8%)

Flagstar Bancorp's earnings growth has exceeded the US Mortgage industry average in the past year (148.8% vs 32.9%).


Return on Equity

Flagstar Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Flagstar Bancorp used its assets more efficiently than the US Mortgage industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Flagstar Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

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

Information is not available.

Information is not available.


Financial Institutions Analysis

Flagstar Bancorp has an acceptable proportion of non-loan assets held.

Flagstar Bancorp has a sufficient allowance for bad loans.

Flagstar Bancorp's liabilities are made up of primarily low risk sources of funding.

Flagstar Bancorp's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Flagstar Bancorp are broadly funded by customer deposits.

Flagstar Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Flagstar Bancorp's current dividend yield, its reliability and sustainability?

0.46%

Expected Dividend Yield


Upcoming Dividend Payment

Purchase Flagstar Bancorp before the 'Buy Limit' to receive their next dividend payment.


Dividend Yield and Payments Analysis

Flagstar Bancorp's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).

Flagstar Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.93%).

Flagstar Bancorp is not paying a notable dividend for United States of America, therefore no need to check if the payments are stable.

Flagstar Bancorp is not paying a notable dividend for United States of America, therefore no need to check if the payments are increasing.


Current Payout to Shareholders

No need to calculate the sustainability of Flagstar Bancorp's dividends as it is not paying a notable one for United States of America.


Future Payout to Shareholders

No need to calculate the sustainability of Flagstar Bancorp's dividends in 3 years as they are not expected to pay a notable one for United States of America.


Next Steps

Management

What is the CEO of Flagstar Bancorp's salary, the management and board of directors tenure and is there insider trading?

4.8yrs

Average management tenure


CEO

Sandro DiNello (64yo)

6.3yrs

Tenure

US$16,425,199

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

Sandro's remuneration is higher than average for companies of similar size in United States of America.

Sandro's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

4.8yrs

Average Tenure

53yo

Average Age

The tenure for the Flagstar Bancorp management team is about average.


Board Age and Tenure

6.5yrs

Average Tenure

58yo

Average Age

The tenure for the Flagstar Bancorp board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Recent Insider Transactions

BuyUS$29,08025 Oct 18
Alessandro DiNello
EntityIndividual
Role
Chief Executive Officer
President
Shares1,000
Max PriceUS$29.08
BuyUS$15,90624 Oct 18
Patrick McGuirk
EntityIndividual
Role
Chief Legal Officer
Executive VP & General Counsel
Shares550
Max PriceUS$28.92

Ownership Breakdown


Management Team

  • Steve Figliuolo (62yo)

    Executive VP & Chief Risk Officer

    • Tenure: 4.9yrs
    • Compensation: US$1.18m
  • Sandro DiNello (64yo)

    President

    • Tenure: 6.3yrs
    • Compensation: US$16.43m
  • Lee Smith (44yo)

    Executive VP & COO of Flagstar Bank

    • Tenure: 6.0yrs
    • Compensation: US$8.62m
  • Jim Ciroli (53yo)

    Executive VP & CFO

    • Tenure: 5.0yrs
    • Compensation: US$1.42m
  • Bryan Marx (43yo)

    Senior VP & Chief Accounting Officer

    • Tenure: 4.6yrs
  • Patrick McGuirk (49yo)

    Executive VP & General Counsel

    • Tenure: 4.1yrs
    • Compensation: US$609.62k
  • Palmer Heenan

    Executive Vice President and Manager of Secondary Marketing

    • Tenure: 4.1yrs
  • Karen Sabatowski

    Chief Compliance Officer and Executive Vice President

    • Tenure: 0.0yrs
  • Kristy Fercho (53yo)

    Executive VP & President of Mortgage of Bank

    • Tenure: 1.9yrs
    • Compensation: US$1.14m
  • Kenneth Schellenberg

    Vice President of Investor Relations

    • Tenure: 0.0yrs

Board Members

  • John Lewis (70yo)

    Non-Executive Chairman

    • Tenure: 6.5yrs
    • Compensation: US$399.99k
  • David Treadwell (64yo)

    Director

    • Tenure: 10.3yrs
    • Compensation: US$244.24k
  • David Matlin (57yo)

    Director

    • Tenure: 10.6yrs
  • Jay Hansen (56yo)

    Director

    • Tenure: 13.8yrs
    • Compensation: US$239.49k
  • Jim Ovenden (55yo)

    Director

    • Tenure: 9.6yrs
    • Compensation: US$230.74k
  • Bruce Nyberg (73yo)

    Director

    • Tenure: 4.4yrs
    • Compensation: US$212.99k
  • Peter Schoels (45yo)

    Director

    • Tenure: 6.5yrs
  • Sandro DiNello (64yo)

    President

    • Tenure: 6.3yrs
    • Compensation: US$16.43m
  • Jennifer Whip (58yo)

    Director

    • Tenure: 2.6yrs
    • Compensation: US$232.99k

Company Information

Flagstar Bancorp, Inc.'s company bio, 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
  • Market Cap: US$2.001b
  • Shares outstanding: 56.48m
  • Website: https://www.flagstar.com

Number of Employees


Location

  • Flagstar Bancorp, Inc.
  • 5151 Corporate Drive
  • Troy
  • Michigan
  • 48098
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
FBCNYSE (New York Stock Exchange)YesCommon StockUSUSDApr 1997
FL2PDB (Deutsche Boerse AG)YesCommon StockDEEURApr 1997

Biography

Flagstar Bancorp, Inc. operates as a savings and loan holding company for Flagstar Bank, FSB that provides commercial and consumer banking services to individuals and businesses in the United States. Its C ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 23:38
End of Day Share Price2019/08/23 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.