Own the gold standard ✨ in financial data & analytics
fair value · 20 million securities worldwide · 50 year history · 10 year estimates · leading business news

Subscribe for $2
Overview
Profile

Flagstar Bancorp stock

FBC
US3379307057
A1J51V

Price

37.54
Today +/-
+0
Today %
+0 %
P

Flagstar Bancorp stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the Flagstar Bancorp stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Flagstar Bancorp stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Flagstar Bancorp stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Flagstar Bancorp's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Flagstar Bancorp Stock Price History

DateFlagstar Bancorp Price
11/30/202237.54 undefined
11/29/202237.11 undefined

Flagstar Bancorp Revenue, EBIT, Net Income

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Revenue
EBIT
Net Income
Details

Revenue, EBIT and Profit

ⓘ

Understanding Revenue, EBIT, and Income

Gain insights into Flagstar Bancorp, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Flagstar Bancorp from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Flagstar Bancorp’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Flagstar Bancorp. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Flagstar Bancorp’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Flagstar Bancorp’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Flagstar Bancorp’s growth potential.

Flagstar Bancorp Revenue, EBIT and net profit per share

DateFlagstar Bancorp RevenueFlagstar Bancorp EBITFlagstar Bancorp Net Income
2025e964.12 M undefined242.94 M undefined294.1 M undefined
2024e920.51 M undefined302.47 M undefined280.66 M undefined
2023e934.96 M undefined392.99 M undefined257.86 M undefined
2022e809.48 M undefined318.15 M undefined250.77 M undefined
20211.85 B undefined0 undefined533 M undefined
20202.13 B undefined0 undefined538 M undefined
20191.4 B undefined0 undefined218 M undefined
20181.12 B undefined0 undefined187 M undefined
2017997 M undefined0 undefined63 M undefined
2016904 M undefined0 undefined153 M undefined
2015825 M undefined0 undefined128 M undefined
2014646.7 M undefined0 undefined-96.5 M undefined
2013983 M undefined0 undefined246.8 M undefined
20121.5 B undefined0 undefined49 M undefined
2011850.9 M undefined0 undefined-198.9 M undefined
2010986.5 M undefined0 undefined-393.6 M undefined
20091.22 B undefined0 undefined-513.8 M undefined
2008908.1 M undefined0 undefined-275.4 M undefined
20071.02 B undefined0 undefined-39.2 M undefined
20061 B undefined0 undefined75.2 M undefined
2005868.1 M undefined0 undefined79.9 M undefined
2004819.5 M undefined0 undefined142.7 M undefined
2003969 M undefined0 undefined252 M undefined
2002684.5 M undefined0 undefined129.3 M undefined

Flagstar Bancorp Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)EBIT (M)EBIT MARGIN (%)NET INCOME (M)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
1992199319941995199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019202020212022e2023e2024e2025e
0.040.060.080.110.130.180.310.320.440.640.680.970.820.8711.020.911.220.990.851.50.980.650.830.911.121.42.131.850.810.930.920.96
-70.2722.2240.2624.0735.8269.783.5637.1945.567.0441.67-15.485.9815.551.89-11.1534.36-19.18-13.7976.71-34.55-34.2827.719.5810.2912.5425.1351.64-12.92-56.3615.45-1.504.78
----------------------------------
0000000000000000000000000000000000
000000000000000000000000000000318392302242
------------------------------39.3141.9732.8325.10
91916151721413827791292521427975-39-275-513-393-19849246-9612815363187218538533250257280294
-111.11-15.79-6.2513.3323.5395.24-7.32-28.95192.5963.2995.35-43.65-44.37-5.06-152.00605.1386.55-23.39-49.62-124.75402.04-139.02-233.3319.53-58.82196.8316.58146.79-0.93-53.102.808.955.00
----------------------------------
----------------------------------
0.50.50.50.50.50.60.60.60.60.60.60.60.60.60.60.60.73.216.255.456.256.556.257.257.658.258.357.256.553.50000
----------------------------------
Details

Keystats

ⓘ

Revenue and Growth

The Flagstar Bancorp Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Flagstar Bancorp is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (M)LONG-T. INVEST. (M)LONG-T. REC. (M)INTANGIBLE ASSETS (M)GOODWILL (M)OTHER NON-CURRENT ASSETS (M)NON-CURRENT ASSETS (M)TOTAL ASSETS (M)LIABILITIESCOMMON STOCK (M)ADDITIONAL PAID-IN CAPITAL (B)RETAINED EARNINGS (B)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (M)EQUITY (B)LIABILITIES (M)PROVISIONS (M)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (B)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (B)LONG-T. LIAB. (M)DEFERRED TAXES (M)OTHER LIAB. (B)LONG-T. LIABILITIES (B)DEBT (B)TOTAL CAPITAL (B)
199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021
                                                     
000000000000000000000000000
000000000000000000000000000
000000000000000000000000000
000000000000000000000000000
000000000000000000000000000
000000000000000000000000000
1821293147106140150161180201219238246239232204219231238250275330390416392360
000000000000000000000000000
000000000000000000000000000
283084150132106168231260188316173414521652580510711285258296335291480461486539
000000000000000000000000000
000000000000000000415442364286136103000
4651113181179212308381421368517392652767891812714930931938910896757973877878899
4651113181179212308381421368517392652767891812714930931938910896757973877878899
                                                     
000000011111115255261261267268268111111
000.030.030.020.0100.030.040.040.060.060.060.120.691.461.471.481.481.481.491.51.511.521.481.351.36
0.060.080.10.130.170.1900.390.610.680.710.740.680.43-0.05-0.44-0.64-0.58-0.32-0.39-0.23-0.16-0.10.090.30.811.33
00000029102585-11-82-48-16-8-200-31200-520
000000000000000000-585-8-18-4715215
0.060.080.130.160.190.20.290.420.640.730.770.810.740.470.61.261.081.161.431.371.531.341.41.571.792.22.72
23111716470172028414647362613913000000000
000000000000000000000000232321
0232149506207468237530000000000000000
00.040.050.070.030.0500.120.030.021.081.010.110.110.1100000000001.850.48
000000000000000000000000000
00.070.080.130.10.1600.220.120.071.21.090.160.140.130.010.010.010000000.021.870.5
000075750100151104207207249249300249249247353331247493494495496641396
000000000000000000000000000
0.170.080.060.270.140.140.760.740.540.580.470.460.160.30.30.40.661.190.50.550.460.440.420.6911.250.86
0.170.080.060.270.220.210.760.840.690.680.680.670.410.550.60.650.911.440.850.880.710.940.911.191.491.891.26
0.180.140.140.40.310.370.761.050.80.751.881.750.560.690.740.660.921.450.850.880.710.940.911.191.523.761.76
0.240.220.270.560.50.571.051.471.451.482.652.571.31.161.341.9222.612.282.262.242.272.312.763.315.974.47
Details

Balance Sheet

ⓘ

Understanding the Balance Sheet

The balance sheet of Flagstar Bancorp provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Flagstar Bancorp's financial health and stability.

Assets

Flagstar Bancorp's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Flagstar Bancorp must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Flagstar Bancorp after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Flagstar Bancorp's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (M)PAID INTEREST (M)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (M)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (B)CASH FLOW FROM OTHER INVESTING ACTIVITIES (B)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (M)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (B)CASH FLOW FROM OTHER FINANCING ACTIVITIES (B)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (M)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
1994199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021
16151721413828821292521427975-39-275-496-374-18168267-6915817163187218538533
911171739252665881541061261001032421181520232424324056707684
2301612-2-1026-110000000000-414-27787815034000
39-195-332-396-627-413-1,607-1,564-2,695-2,164797485-514-1,466-2,849-558-810506-941-368-7,086-9,656-16,602-25,562-23,645-17,371-8,643-1,795
000-1-4-9-15-3-18-77-104-24-91-1154188204251463-1,068-985-151-19-13-10000
0000000000000000000142325811213618523013370
622150191127721301190870511006-167504161185
67-165-299-341-539-360-1,577-1,393-2,507-1,835942667-429-1,404-2,945-845-963591-389-1,561-8,145-9,547-16,340-25,322-23,378-17,083-8,029-1,178
-6-6-7-16-8-23-72-52-35-43-49-51-45-38-29-11-1000-36-33-46-52-97-71-61-54-33
-0.09-0.070.05-0.25-0.39-0.870.170.771.08-0.42-3.39-2.420.360.834.441.240.97-1.480.555.537.515.8916.222.4924.6112.692.995.98
-0.08-0.070.05-0.24-0.38-0.850.240.821.11-0.38-3.34-2.370.410.874.471.250.98-1.480.555.577.545.9316.2522.5924.6812.753.046.01
0000000000000000000000000000
-22251-15138-40-1163389-6845-327-3475778-1281215-29841-164-6422181284312-565
-100270-11-12540-7172-419555196200000-26700-50-1500
0.040.240.270.570.981.271.360.661.452.282.461.790.140.64-1.330.18-0.140.670.06-4.640.493.730.112.84-1.024.425.24-4.36
0.060.220.270.560.851.331.380.491.062.382.552.170.210.62-1.5-0.37-1.080.6-0.16-4.350.453.90.552.82-1.24.195.09-3.79
0-2-10-3-4-4-5-9-27-61-56-38-210-10-13-110000-10500-9-11-13
17315-225342-4233162311327662166575-129-222221-672-14472-301520924198438
60.5-172.2-307.1-357.9-547.8-383.8-1,649.9-1,446.5-2,543.5-1,878.8893.4615.7-475.3-1,442.7-2,974.6-857.5-974.1591.7-389.8-1,597.4-8,178-9,593-16,392-25,419-23,449-17,144-8,083-1,211
0000000000000000000000000000

Flagstar Bancorp stock margins

The Flagstar Bancorp margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Flagstar Bancorp. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Flagstar Bancorp.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Gross margin
EBIT margin
Profit margin
Details

Margin

ⓘ

Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Flagstar Bancorp's sales revenue. A higher gross margin percentage indicates that the Flagstar Bancorp retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Flagstar Bancorp's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Flagstar Bancorp's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Flagstar Bancorp's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Flagstar Bancorp. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Flagstar Bancorp's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Flagstar Bancorp Margin History

Flagstar Bancorp Gross marginFlagstar Bancorp Profit marginFlagstar Bancorp EBIT marginFlagstar Bancorp Profit margin
2025e0 %25.2 %30.5 %
2024e0 %32.86 %30.49 %
2023e0 %42.03 %27.58 %
2022e0 %39.3 %30.98 %
20210 %0 %28.75 %
20200 %0 %25.27 %
20190 %0 %15.53 %
20180 %0 %16.67 %
20170 %0 %6.32 %
20160 %0 %16.92 %
20150 %0 %15.52 %
20140 %0 %-14.92 %
20130 %0 %25.11 %
20120 %0 %3.26 %
20110 %0 %-23.38 %
20100 %0 %-39.9 %
20090 %0 %-42.11 %
20080 %0 %-30.33 %
20070 %0 %-3.83 %
20060 %0 %7.5 %
20050 %0 %9.2 %
20040 %0 %17.41 %
20030 %0 %26.01 %
20020 %0 %18.89 %

Flagstar Bancorp Stock Sales Revenue, EBIT, Earnings per Share

The Flagstar Bancorp earnings per share therefore indicates how much revenue Flagstar Bancorp has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Sales per Share
EBIT per share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue Flagstar Bancorp earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Flagstar Bancorp's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Flagstar Bancorp’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Flagstar Bancorp's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Flagstar Bancorp Revenue, EBIT and net profit per share

DateFlagstar Bancorp Sales per ShareFlagstar Bancorp EBIT per shareFlagstar Bancorp Earnings per Share
2025e18.08 undefined0 undefined5.51 undefined
2024e17.26 undefined0 undefined5.26 undefined
2023e17.53 undefined0 undefined4.83 undefined
2022e15.18 undefined0 undefined4.7 undefined
202134.65 undefined0 undefined9.96 undefined
202037.68 undefined0 undefined9.52 undefined
201924.55 undefined0 undefined3.81 undefined
201819.25 undefined0 undefined3.21 undefined
201717.13 undefined0 undefined1.08 undefined
201615.69 undefined0 undefined2.66 undefined
201514.42 undefined0 undefined2.24 undefined
201411.51 undefined0 undefined-1.72 undefined
201317.4 undefined0 undefined4.37 undefined
201226.73 undefined0 undefined0.87 undefined
201115.36 undefined0 undefined-3.59 undefined
201060.9 undefined0 undefined-24.3 undefined
2009381.31 undefined0 undefined-160.56 undefined
20081,297.29 undefined0 undefined-393.43 undefined
20071,704.33 undefined0 undefined-65.33 undefined
20061,671.83 undefined0 undefined125.33 undefined
20051,446.83 undefined0 undefined133.17 undefined
20041,365.83 undefined0 undefined237.83 undefined
20031,615 undefined0 undefined420 undefined
20021,140.83 undefined0 undefined215.5 undefined

Flagstar Bancorp business model

Flagstar Bancorp Inc was founded in 1987 and is headquartered in Troy, Michigan, USA. The company operates a modern and innovative bank in the Midwest USA and offers a variety of banking services for both individual and business customers. As a company, Flagstar offers a wide range of financial products and services, including mortgages, savings accounts, checking accounts, and investment services. It caters to small and medium-sized businesses as well as customers in the private sector. Throughout its history, Flagstar has conducted a variety of acquisitions and expansions to increase its market presence. A key competitive advantage of Flagstar is its over 160 branches in the USA, making it easy for customers to visit local branches or conduct online transactions. Additionally, the company is able to quickly respond to customer needs and offer personalized solutions for individuals. Flagstar's business model is focused on customer orientation and innovation. It provides solid financial services through a combination of personal and digital support. The bank aims to simplify and streamline the loan origination process. The company has a number of business segments, including corporate banking, mortgage and business finance services, as well as deposit operations and customer transactions. Flagstar also offers securities services to support customers in achieving their financial goals. An important focus of Flagstar is mortgage financing, particularly in relation to home purchases or refinancing options. The bank's mortgage division is able to offer innovative loans with low interest rates and tailored financing options for a variety of customers. Flagstar also offers a wide range of online and mobile banking transactions and has significantly expanded its online offerings. The bank leverages state-of-the-art technology to ensure a secure online banking experience for its customers. In addition to these services, Flagstar also invests in the community and supports charitable organizations. The company has a foundation to help improve education, health, and well-being in the local community. In summary, Flagstar Bancorp Inc is a modern and innovative bank that continuously expands and improves its range of financial services. The company offers a wide range of banking and mortgage services and places great importance on personal service and customer support. With innovative technologies and a strong commitment to the community, Flagstar Bancorp Inc is a company focused on growth and success. Flagstar Bancorp is one of the most popular companies on Eulerpool.com.

Flagstar Bancorp Revenue by Segment

  • 3 years

  • 5 years

  • Max

Details

Revenue by Segment

ⓘ

Overview of Revenue by Segment

The chart visualizes revenues by segments and provides a clear overview of the revenue distribution. Each segment is clearly marked to facilitate comparisons of revenues.

Interpretation and Use

The chart enables quick identification of the highest-revenue segments, which is helpful in strategic decision-making. It supports the analysis of growth potentials and targeted resource allocation.

Investment Strategy

An investment strategy determines how capital is deliberately invested into various asset classes to maximize returns. It is based on risk tolerance, investment objectives, and a long-term plan.

Flagstar Bancorp Revenue by Segment

Segmente20172014
Deposit account and other banking income--
Interchange fees--
Wealth management--
Mortgage Originations499 M USD314.43 M USD
Community Banking261 M USD168.5 M USD
Mortgage Servicing77 M USD79.16 M USD
Other23 M USD45.27 M USD

Flagstar Bancorp SWOT Analysis

Strengths

1. Established reputation: Flagstar Bancorp Inc has built a strong reputation in the banking industry, which enhances customer trust and confidence.

2. Diversified product portfolio: The company offers a wide range of banking products and services, including retail banking, commercial banking, mortgage lending, and wealth management, which helps to capture a larger market share.

3. Strong financial position: Flagstar Bancorp Inc boasts solid financials with healthy profitability and stable asset quality, providing a stable foundation for growth and expansion.

Weaknesses

1. Dependence on mortgage business: A significant portion of Flagstar Bancorp Inc's revenue comes from its mortgage lending business, exposing the company to fluctuations in the housing market and interest rate movements.

2. Limited geographical presence: The company primarily operates in the Midwest and Northeast regions of the United States, which restricts its market reach compared to national banks.

3. Reliance on regulatory environment: Being a bank, Flagstar Bancorp Inc is highly influenced by the banking regulations and policies imposed by regulatory authorities, making it vulnerable to potential changes in the regulatory landscape.

Opportunities

1. Growth through acquisitions: With its stable financial position, Flagstar Bancorp Inc can explore acquisition opportunities to expand its geographical presence and diversify its business lines.

2. Technological advancements: The company can leverage emerging technologies such as mobile banking, digital platforms, and artificial intelligence to enhance customer experience, improve operational efficiency, and stay competitive in the market.

3. Increased demand for mortgage refinancing: Flagstar Bancorp Inc can capitalize on the rising demand for mortgage refinancing, driven by lower interest rates, and offer tailored products and services to attract more customers in this segment.

Threats

1. Intense competition: The banking industry is highly competitive, with numerous established players and new entrants. Flagstar Bancorp Inc faces the risk of losing market share to competitors with stronger branding, better technology, or more attractive product offerings.

2. Economic downturns: During economic downturns or recessions, customer demand for banking services, including loans and investments, may decline, affecting the company's overall profitability.

3. Regulatory and compliance risks: Flagstar Bancorp Inc operates in a heavily regulated industry, and any failure to comply with regulations or changes in regulatory requirements could result in penalties, reputational damage, or limitations on business operations.

Flagstar Bancorp Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Flagstar Bancorp historical P/E ratio, EBIT multiple, and P/S ratio

Flagstar Bancorp shares outstanding

The number of shares was Flagstar Bancorp in 2023 — This indicates how many shares 53.5 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Number of stocks
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue Flagstar Bancorp earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Flagstar Bancorp's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Flagstar Bancorp’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Flagstar Bancorp's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Flagstar Bancorp stock splits

In Flagstar Bancorp's history, there have been no stock splits.

Flagstar Bancorp dividend history and estimates

In 2023, Flagstar Bancorp paid a dividend amounting to 0.13 USD. Dividend means that Flagstar Bancorp distributes a portion of its profits to its owners.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Dividend
Dividend (Estimate)
Details

Dividend

ⓘ

Dividend Overview

The dividend per year chart for Flagstar Bancorp provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Flagstar Bancorp’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Flagstar Bancorp's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Flagstar Bancorp Dividend History

DateFlagstar Bancorp Dividend
2025e0.16 undefined
2024e0.16 undefined
2023e0.13 undefined
2022e0.15 undefined
20210.3 undefined
20200.2 undefined
20190.16 undefined
200735 undefined
200660 undefined
200590 undefined
2004100 undefined
200345 undefined
200216 undefined

Flagstar Bancorp dividend payout ratio

In 2023, Flagstar Bancorp had a payout ratio of 2.74%. The payout ratio indicates the percentage of the company's profits that Flagstar Bancorp distributes as dividends.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Payout ratio
Details

Payout ratio

ⓘ

What is Yearly Payout Ratio?

The yearly payout ratio for Flagstar Bancorp represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Flagstar Bancorp could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Flagstar Bancorp's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Flagstar Bancorp Payout Ratio History

DateFlagstar Bancorp Payout ratio
2025e2.93 %
2024e2.95 %
2023e2.74 %
2022e3.1 %
20213.01 %
20202.1 %
20194.2 %
20183.1 %
20173.1 %
20163.1 %
20153.1 %
20143.1 %
20133.1 %
20123.1 %
20113.1 %
20103.1 %
20093.1 %
20083.1 %
2007-53.57 %
200647.87 %
200567.59 %
200442.05 %
200310.71 %
20027.42 %
Unfortunately, there are currently no price targets and forecasts available for Flagstar Bancorp.

Flagstar Bancorp shareholders

%
Name
Stocks
Change
Date
7.57347 % Dimensional Fund Advisors, L.P.4,039,453222,5056/30/2022
4.41209 % State Street Global Advisors (US)2,353,272-2,8986/30/2022
3.90699 % Vivaldi Asset Management, LLC2,083,870531,7896/30/2022
3.16555 % Wellington Management Company, LLP1,688,405289,3916/30/2022
2.96717 % Bayview Asset Management, LLC1,582,59606/30/2022
2.05614 % AllianceBernstein L.P.1,096,679472,4696/30/2022
13.57792 % BlackRock Institutional Trust Company, N.A.7,242,041-63,4076/30/2022
10.42104 % The Vanguard Group, Inc.5,558,25964,8636/30/2022
1.89508 % Alpine Associates Management Inc.1,010,779-5,8006/30/2022
1.79399 % Grantham Mayo Van Otterloo & Co LLC956,857694,7306/30/2022
1
2
3
4
5
...
10

Flagstar Bancorp Executives and Management Board

Mr. Alessandro DiNello67
Flagstar Bancorp President, Chief Executive Officer, Director (since 1995)
Compensation 4.48 M
Mr. Lee Smith47
Flagstar Bancorp Executive Vice President, President - Mortgage
Compensation 2.77 M
Mr. Reginald Davis59
Flagstar Bancorp Executive Vice President, President - Banking
Compensation 1.81 M
Mr. James Ciroli56
Flagstar Bancorp Chief Financial Officer, Executive Vice President
Compensation 1.77 M
Mr. Stephen Figliuolo65
Flagstar Bancorp Executive Vice President, Chief Risk Officer
Compensation 1.39 M
1
2
3
4

Most common questions regarding Flagstar Bancorp

What values and corporate philosophy does Flagstar Bancorp represent?

Flagstar Bancorp Inc represents a set of core values and corporate philosophy that shapes its operations and business approach. The company prioritizes integrity, innovation, and teamwork, aiming to provide exceptional financial services to its clients. Flagstar Bancorp Inc believes in building long-lasting customer relationships based on trust and reliability. The company is committed to supporting the communities it serves through responsible and sustainable financing solutions. By focusing on customer satisfaction and delivering results, Flagstar Bancorp Inc strives to be a leading force in the financial industry.

In which countries and regions is Flagstar Bancorp primarily present?

Flagstar Bancorp Inc is primarily present in the United States.

What significant milestones has the company Flagstar Bancorp achieved?

Flagstar Bancorp Inc has achieved several significant milestones throughout its history. It has emerged as a leading bank holding company, providing a wide range of financial services. Flagstar Bancorp Inc has successfully expanded its footprint across multiple states and grown its customer base. The company has demonstrated resilience and adaptability in the face of changing market conditions. It has also received recognition for its exceptional customer service and commitment to community development. Flagstar Bancorp Inc has consistently delivered strong financial performance and has been recognized as one of the top-performing banks in the industry.

What is the history and background of the company Flagstar Bancorp?

Flagstar Bancorp Inc is a prominent financial institution with a rich history and background. Established in 1987, Flagstar has evolved into a leading bank holding company providing a wide range of banking and financial services. Headquartered in Troy, Michigan, Flagstar operates through its subsidiary, Flagstar Bank, serving individuals, businesses, and communities across the United States. With over 160 branches, Flagstar Bancorp Inc offers diverse banking solutions, including lending, deposit products, and mortgage services. As a trusted institution, Flagstar Bancorp Inc has built a strong reputation for its commitment to customer satisfaction and excellence in the financial industry.

Who are the main competitors of Flagstar Bancorp in the market?

The main competitors of Flagstar Bancorp Inc in the market are Wells Fargo & Company, JPMorgan Chase & Co, Bank of America Corporation, and Citigroup Inc.

In which industries is Flagstar Bancorp primarily active?

Flagstar Bancorp Inc is primarily active in the financial industry.

What is the business model of Flagstar Bancorp?

The business model of Flagstar Bancorp Inc, a renowned financial institution, revolves around providing comprehensive banking and financial services. Flagstar Bancorp Inc primarily focuses on mortgage lending, offering a diverse range of products to consumers, small businesses, and commercial clients. The company takes pride in its commitment to personalized customer service, leveraging its extensive industry expertise and innovative technology solutions. With a strong emphasis on community banking, Flagstar Bancorp Inc aims to meet the unique financial needs of individuals and businesses, promoting growth and economic development.

What is the P/E ratio of Flagstar Bancorp 2024?

The Flagstar Bancorp P/E ratio is 7.16.

What is the P/S ratio of Flagstar Bancorp 2024?

The Flagstar Bancorp P/S ratio is 2.18.

What is the AlleAktien quality score of Flagstar Bancorp?

The AlleAktien quality score for Flagstar Bancorp is 5/10.

What is the revenue of Flagstar Bancorp 2024?

The expected Flagstar Bancorp revenue is 920.51 M USD.

How high is the profit of Flagstar Bancorp 2024?

The expected Flagstar Bancorp profit is 280.66 M USD.

What is the business model of Flagstar Bancorp

Flagstar Bancorp Inc is an American financial services holding company that was founded in 1987 and is headquartered in Troy, Michigan. The company offers financial products and services for individuals, businesses, and institutions. The various divisions of Flagstar Bancorp Inc include Commercial Banking, Consumer Banking, and Mortgage Banking. In the Commercial Banking division, the company offers customized financing and investment products for small and medium-sized businesses. This includes loans, treasury services, and cash management solutions. The Consumer Banking division offers various types of accounts, credit cards, and loan products. This includes savings accounts, checking accounts, online banking, and online account access. Additionally, Flagstar Bancorp Inc offers a variety of credit card options, with different designs and bonus programs. However, the largest division of Flagstar Bancorp Inc is Mortgage Banking. It offers mortgage, refinancing, reverse mortgage, and real estate financing services. This division also includes the sale of mortgage loans on the secondary market and servicing mortgage loans on behalf of investors. Flagstar Bancorp Inc is also one of the largest providers of Small Business Administration (SBA) loans in the country. The company works closely with the SBA to assist businesses in applying for government loans and guarantees. In addition to its core banking services, Flagstar Bancorp Inc also offers a variety of financial advisory services. These include assistance with wealth management, tax advisory, accounting, business valuation, and complete treasury services. Flagstar Bancorp Inc has a strong focus on the use of technology and offers its customers a wealth of online and mobile banking options. The mobile banking division provides a fully integrated mobile banking solution that allows customers to manage their banking relationship from their mobile phones. In addition to its core banking services, the company also offers insurance products, including auto insurance, home and property insurance, and household insurance. Consumers can get online quotes or directly contact the company's staff for accurate advice. In summary, Flagstar Bancorp Inc offers a wide range of banking services tailored to the needs of individual and business customers. With its presence in all three major areas of banking, the company provides strong diversification of its revenue streams and has a successful track record with positive growth trends.

What is the Flagstar Bancorp dividend?

Flagstar Bancorp pays a dividend of 0.18 USD distributed over payouts per year.

How often does Flagstar Bancorp pay dividends?

The dividend cannot currently be calculated for Flagstar Bancorp or the company does not pay out a dividend.

What is the Flagstar Bancorp ISIN?

The ISIN of Flagstar Bancorp is US3379307057.

What is the Flagstar Bancorp WKN?

The WKN of Flagstar Bancorp is A1J51V.

What is the Flagstar Bancorp ticker?

The ticker of Flagstar Bancorp is FBC.

How much dividend does Flagstar Bancorp pay?

Over the past 12 months, Flagstar Bancorp paid a dividend of 0.3 USD . This corresponds to a dividend yield of about 0.8 %. For the coming 12 months, Flagstar Bancorp is expected to pay a dividend of 0.16 USD.

What is the dividend yield of Flagstar Bancorp?

The current dividend yield of Flagstar Bancorp is 0.8 %.

When does Flagstar Bancorp pay dividends?

Flagstar Bancorp pays a quarterly dividend. This is distributed in the months of December, March, June, September.

How secure is the dividend of Flagstar Bancorp?

Flagstar Bancorp paid dividends every year for the past 7 years.

What is the dividend of Flagstar Bancorp?

For the upcoming 12 months, dividends amounting to 0.16 USD are expected. This corresponds to a dividend yield of 0.43 %.

In which sector is Flagstar Bancorp located?

Flagstar Bancorp is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Flagstar Bancorp kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Flagstar Bancorp from 8/18/2022 amounting to 0.06 USD, you needed to have the stock in your portfolio before the ex-date on 8/5/2022.

When did Flagstar Bancorp pay the last dividend?

The last dividend was paid out on 8/18/2022.

What was the dividend of Flagstar Bancorp in the year 2023?

In the year 2023, Flagstar Bancorp distributed 0.18 USD as dividends.

In which currency does Flagstar Bancorp pay out the dividend?

The dividends of Flagstar Bancorp are distributed in USD.

All fundamentals about Flagstar Bancorp

Our stock analysis for Flagstar Bancorp Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Flagstar Bancorp Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.