Flagstar Bancorp, Inc.

Symbol: FBC

NYSE

37.77

USD

Market price today

  • 3.7694

    P/E Ratio

  • 0.0131

    PEG Ratio

  • 2.01B

    MRK Cap

  • 0.00%

    DIV Yield

Flagstar Bancorp, Inc. (FBC) Stock Price & Analysis

Shares Outstanding

53.34M

Gross Profit Margin

1.00%

Operating Profit Margin

0.50%

Net Profit Margin

0.35%

Return on Assets

0.02%

Return on Equity

0.22%

Return on Capital Employed

0.03%

Company general description and statistics

Sector: Financial Services
Industry: Banks—Regional
CEO:Mr. Joseph Campanelli
Full-time employees:4911
City:Troy
Address:5151 Corporate Dr
IPO:1997-04-30
CIK:0001033012

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 and savings accounts, money market accounts, certificates of deposit, consumer and commercial loans, commercial real estate loans, home builder finance loans, and warehouse lines of credit. It also provides other financial services, including consumer and corporate card services, customized treasury management solutions, merchant services, and capital markets services, such as loan syndications, and investment and insurance products and services. This segment serves consumer, business, and mortgage lending customers through its branch banking, business and commercial banking, government banking, and warehouse lending. The Mortgage Originations segment originates, acquires, and sells one-to-four family residential mortgage loans through mortgage branches, call centers, the Internet, and third-party counterparties. The Mortgage Servicing segment offers services and subservices mortgage and other consumer loans; and services loans for its loans held-for-investment and loans held-for-sale portfolios, as well as noninterest-bearing escrow services. As of December 31, 2021, the company operated 158 full service banking branches; and mortgages through a wholesale network of brokers and correspondents in 50 states, as well as 83 retail locations and 3 call centers in 28 states. Flagstar Bancorp, Inc. was founded in 1987 and is headquartered in Troy, Michigan.

General Outlook

In simple terms, Flagstar Bancorp, Inc. has 53.337 M shares that people are buying and selling right now. When we look at how much money they make before expenses, they keep 1.000% as profit. This shows they're good at controlling costs and are financially stable. Their operating profit, which is money made from regular business activities, is 0.498%. This means they run their business efficiently. Lastly, after paying all their bills, they still have a profit of 0.353%. This tells us they're good at keeping money after all costs.

Return on Investments

The company's asset efficiency, represented by a robust 0.021% return, is a testament to Flagstar Bancorp, Inc.'s adeptness in optimizing resource deployment. Flagstar Bancorp, Inc.'s utilization of its assets to generate profits is strikingly evident through a noteworthy return on equity of 0.217%. Furthermore, the proficiency of Flagstar Bancorp, Inc. in capital utilization is underscored by a remarkable 0.032% return on capital employed.

Stock Prices

Flagstar Bancorp, Inc.'s stock prices have been subject to undulating patterns. The peak stock value during this interval surged to $39.35, while its low point bottomed out at $38.33. This variance in figures offers investors a lucid insight into the roller-coaster ride that is Flagstar Bancorp, Inc.'s stock market.

Liquidity Ratios

Analyzing FBC liquidity ratios reveals its financial health of the firm. The current ratio of 151.86% gauges short-term asset coverage for liabilities. The quick ratio (151.86%) assesses immediate liquidity, while the cash ratio (55.90%) indicates cash reserves.

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Current Ratio151.86%
Quick Ratio151.86%
Cash Ratio55.90%

Profitability Ratios

FBC profitability indicators offer a lens into its earnings landscape. A pretax profit margin of 45.67% underscores its earnings before tax deductions. The effective tax rate stands at 22.75%, revealing its tax efficiency. The net income per EBT, 77.25%, and the EBT per EBIT, 91.63%, provide insights into its earnings hierarchy. Lastly, with an EBIT per revenue ratio of 49.83%, we grasp its operational profitability.

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Pretax Profit Margin45.67%
Effective Tax Rate22.75%
Net Income per EBT77.25%
EBT per EBIT91.63%
EBIT per Revenue49.83%

Operational Efficiency

Operational metrics shed light on its business agility. With an operating cycle of 1.52, it details the span from stock purchase to revenue. The 2 days it takes to settle debts showcases its creditor relations.

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Days of Sales Outstanding152
Fixed Asset Turnover4.20
Asset Turnover0.06

Cash Flow Ratios

Peering into the cash flow metrics reveals liquidity and operational efficiency. The operating cash flow per share, -22.01, and free cash flow per share, -22.63, depict cash generation on a per-share basis. The cash per share value, 53.35, showcases liquidity position. A payout ratio of 0.02 highlights the portion of earnings distributed as dividends. Lastly, the operating cash flow sales ratio, -0.78, offers insight into cash flow relative to sales.

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Operating Cash Flow per Share-22.01
Free Cash Flow per Share-22.63
Cash per Share53.35
Payout Ratio0.02
Operating Cash Flow Sales Ratio-0.78
Free Cash Flow to Operating Cash Flow Ratio1.03
Cash Flow Coverage Ratio-0.32
Short Term Coverage Ratio-0.63
Capital Expenditure Coverage Ratio-35.70
Dividend Paid and Capex Coverage Ratio-25.61
Dividend Payout Ratio0.01

Debt and Leverage Ratios

Diving into debt and leverage metrics unveils the company's financial structure. The debt ratio, at 14.43%, highlights its total liabilities relative to assets. With a debt-equity ratio of 1.35, we discern the balance between debt and equity financing. The long-term debt to capitalization, 39.79%, and total debt to capitalization, 57.49%, ratios shed light on its capital structure. An interest coverage of 11.95 indicates its ability to manage interest expenses.

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Debt Ratio14.43%
Debt Equity Ratio1.35
Long Term Debt to Capitalization39.79%
Total Debt to Capitalization57.49%
Interest Coverage11.95
Cash Flow to Debt Ratio-0.32
Company Equity Multiplier9.38

Per Share Data

Speaking about the per share data offers a perceptive view of financial distribution. The revenue per share, 28.23, provides a glimpse into top-line earnings distributed across each share. Net income per share, 9.96, reflects the portion of profit attributed to each share. The book value per share, 50.79, represents the net asset value distributed per share, while the tangible book value per share, 40.71, excludes intangible assets.

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Revenue Per Share28.23
Net Income Per Share9.96
Book Value Per Share50.79
Tangible Book Value Per Share40.71
Shareholders Equity Per Share50.79
Interest Debt Per Share69.86
Capex Per Share-0.62

Other Metrics

Venturing into other key metrics unveils diverse facets of financial performance. The enterprise value, 5,190,704,982.84, captures the company's total value, considering both debt and equity. Income quality, -2.21, assesses the reliability of reported earnings. The ratio of intangibles to total assets, 2.12%, indicates the value of non-physical assets, and capex to operating cash flow, 2.80%, measures reinvestment capability.

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Enterprise Value5,190,704,982.84
Income Quality-2.21
Sales General and Administrative to Revenue0.37
Intangibles to Total Assets2.12%
Capex to Operating Cash Flow2.80%
Capex to Revenue-2.18%
Capex to Depreciation-39.29%
Graham Number106.68
Return on Tangible Assets2.14%
Graham Net Net-372.02
Working Capital975,000,000
Tangible Asset Value2,179,000,000
Net Current Asset Value-19,910,000,000
Invested Capital1
ROIC9.10%
ROE0.20%

Valuation Ratios

Exploring the valuation ratios offers insights into perceived market value. The price to book value ratio, 0.74, and the price to book ratio, 0.74, reflect the market's valuation relative to the company's book value.

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Price Book Value Ratio0.74
Price to Book Ratio0.74
Price Cash Flow Ratio-1.71
Price Earnings to Growth Ratio0.01
Enterprise Value Multiple-3.14
Price Fair Value0.74
Price to Operating Cash Flow Ratio-1.71
Price to Tangible Book Ratio0.94
Enterprise Value to Sales3.44
Enterprise Value Over EBITDA6.20
EV to Operating Cash Flow-4.41
Earnings Yield20.77%
Free Cash Flow Yield-47.20%
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Frequently Asked Question

How many company shares are outstanding in 2024?

There are stock number shares outstanding of Flagstar Bancorp, Inc. (FBC) on the NYSE in 2024.

What is P/E ratio of enterprise in 2024?

The current P/E ratio of enterprise is 3.769 in 2024.

What is the ticker symbol of Flagstar Bancorp, Inc. stock?

The ticker symbol of Flagstar Bancorp, Inc. stock is FBC.

What is company IPO date?

IPO date of Flagstar Bancorp, Inc. is 1997-04-30.

What is company current share price?

Current share price is 37.770 USD.

What is stock market cap today?

The market cap of stock today is 2014534784.000.

What is PEG ratio in 2024?

The current 0.013 is 0.013 in 2024.

What is the number of employees in 2024?

In 2024 the company has 4911.