investorscraft@gmail.com

Intrinsic value of Flagstar Bancorp, Inc. (FBC)

Previous Close$39.85
Intrinsic Value
Upside potential
Previous Close
$39.85
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh20.39 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

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 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. 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, warehouse lending, and loans held-for-investment (LHFI) portfolio groups. The company's 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. Its Mortgage Servicing segment offers services and subservices mortgage loans; and the servicing of residential mortgages for its LHFI portfolio, as well as noninterest-bearing escrow services. As of December 31, 2019, the company provided banking services through 160 full service banking branches; and mortgages through a wholesale network of brokers and correspondents in 50 states, as well as 88 retail locations in 27 states. Flagstar Bancorp, Inc. was founded in 1987 and is headquartered in Troy, Michigan.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %1.6NaN
Revenue, $1882NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m1192NaN
Operating income, $m690NaN
EBITDA, $m774NaN
Interest expense (income), $mNaN
Earnings before tax, $m690NaN
Tax expense, $m157NaN
Net income, $m533NaN

BALANCE SHEET

Cash and short-term investments, $m1051NaN
Total assets, $m25483NaN
Adjusted assets (=assets-cash), $m24432NaN
Average production assets, $m528NaN
Working capital, $m3000NaN
Total debt, $m3897NaN
Total liabilities, $m22765NaN
Total equity, $m2718NaN
Debt-to-equity ratio1.434NaN
Adjusted equity ratio0.153NaN

CASH FLOW

Net income, $m533NaN
Depreciation, amort., depletion, $m84NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m-511NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-33NaN
Free cash flow, $m-478NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m3000
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
HomeMenuAccount