Flagstar Bancorp, Inc. (FBC) Income Statement Analysis

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Complete financial analysis of Flagstar Bancorp, Inc. (FBC) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Flagstar Bancorp, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.

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Flagstar Bancorp, Inc. (FBC)

Industry: Banks - Regional

Sector: Financial Services

Website: https://www.flagstar.com

About Flagstar Bancorp, Inc.

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.

Metric	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Revenue	1.51B	1.68B	981.00M	797.00M	731.00M	700.00M	666.00M	534.88M	732.36M	1.19B	654.93M	634.29M	755.57M	352.65M	326.99M	417.11M	405.72M	479.41M	660.46M	422.28M	326.77M	156.86M	146.90M	172.50M	102.50M	88.70M
Cost of Revenue	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Gross Profit	1.51B	1.68B	981.00M	797.00M	731.00M	700.00M	666.00M	534.88M	732.36M	1.19B	654.93M	634.29M	755.57M	352.65M	326.99M	417.11M	405.72M	479.41M	660.46M	422.28M	326.77M	156.86M	146.90M	172.50M	102.50M	88.70M
Gross Profit Ratio	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
General & Administrative	553.00M	490.00M	397.00M	340.00M	299.00M	280.00M	260.00M	255.90M	314.14M	364.33M	440.36M	355.90M	449.72M	212.67M	168.56M	140.44M	126.14M	112.51M	104.31M	102.47M	75.26M	44.17M	35.80M	32.50M	25.90M	25.60M
Selling & Marketing	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	73.99M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
SG&A	553.00M	490.00M	397.00M	340.00M	299.00M	280.00M	260.00M	255.90M	314.14M	364.33M	440.36M	355.90M	523.71M	212.67M	168.56M	140.44M	126.14M	112.51M	104.31M	102.47M	75.26M	44.17M	35.80M	32.50M	25.90M	25.60M
Other Expenses	-1.31B	-1.33B	-880.00M	-719.00M	-682.00M	-809.00M	-768.00M	-854.95M	-1.05B	-1.31B	24.04M	4.99M	20.75M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	58.82M	50.30M	-700.00K	-13.20M	-41.00M
Operating Expenses	-758.00M	-842.00M	-483.00M	-379.00M	-383.00M	-529.00M	-508.00M	-599.05M	-737.59M	-950.59M	134.72M	80.55M	116.61M	82.98M	56.19M	60.33M	55.06M	52.80M	79.93M	66.10M	49.77M	58.82M	86.10M	31.80M	12.70M	-15.40M
Cost & Expenses	-758.00M	-842.00M	-483.00M	-379.00M	-383.00M	-529.00M	-508.00M	-599.05M	-737.59M	-950.59M	134.72M	80.55M	116.61M	82.98M	56.19M	60.33M	55.06M	52.80M	79.93M	66.10M	49.77M	58.82M	86.10M	31.80M	12.70M	-15.40M
Interest Income	810.00M	819.00M	794.00M	683.00M	527.00M	417.00M	355.00M	285.56M	330.69M	480.97M	465.41M	497.74M	689.34M	778.00M	905.51M	800.87M	708.66M	563.44M	511.19M	450.11M	438.77M	381.64M	238.70M	191.30M	122.80M	76.20M
Interest Expense	63.00M	134.00M	232.00M	186.00M	137.00M	94.00M	68.00M	39.27M	144.04M	183.74M	220.04M	322.12M	477.80M	555.47M	695.63M	585.92M	462.39M	340.15M	308.48M	263.88M	325.04M	290.13M	173.80M	137.20M	80.10M	46.00M
Depreciation & Amortization	84.00M	76.00M	70.00M	56.00M	40.00M	32.00M	24.00M	23.98M	23.23M	20.21M	15.88M	18.30M	21.73M	24.79M	102.97M	100.71M	125.98M	106.12M	154.15M	88.14M	65.71M	26.25M	25.10M	39.90M	17.20M	17.30M
EBITDA	0.00	0.00	0.00	0.00	0.00	384.00M	332.00M	0.00	18.00M	0.00	0.00	0.00	546.58M	19.33M	0.00	0.00	0.00	0.00	0.00	541.99M	0.00	0.00	258.10M	244.20M	132.40M	90.60M
EBITDA Ratio	55.39%	54.40%	57.90%	59.47%	53.08%	54.86%	49.85%	-7.51%	2.46%	21.62%	8.43%	-5.09%	7.66%	44.49%	226.24%	192.43%	175.57%	139.37%	129.26%	128.35%	159.02%	230.57%	175.70%	141.57%	129.17%	102.14%
Operating Income	753.00M	838.00M	498.00M	418.00M	348.00M	171.00M	158.00M	-64.17M	-5.23M	236.47M	39.31M	-50.59M	36.13M	132.11M	636.82M	701.94M	586.35M	562.04M	699.59M	453.85M	453.91M	335.42M	233.00M	204.30M	115.20M	73.30M
Operating Income Ratio	49.83%	49.88%	50.76%	52.45%	47.61%	24.43%	23.72%	-12.00%	-0.71%	19.92%	6.00%	-7.98%	4.78%	37.46%	194.75%	168.29%	144.52%	117.24%	105.92%	107.48%	138.91%	213.83%	158.61%	118.43%	112.39%	82.64%
Total Other Income/Expenses	-1.58B	-1.82B	-1.20B	-944.00M	-903.00M	87.00M	82.00M	-39.27M	-144.04M	-2.08B	-700.93M	-926.45M	10.92M	-555.47M	-329.62M	-240.75M	-226.71M	-204.72M	-189.42M	-282.60M	-148.14M	-52.75M	-173.80M	-137.20M	-80.10M	-46.00M
Income Before Tax	690.00M	704.00M	266.00M	232.00M	211.00M	258.00M	240.00M	-103.44M	-149.26M	52.73M	-180.72M	-372.71M	-441.67M	-423.37M	-58.81M	116.02M	123.96M	221.89M	391.11M	171.25M	128.87M	45.29M	59.20M	67.10M	35.10M	27.30M
Income Before Tax Ratio	45.67%	41.90%	27.12%	29.11%	28.86%	36.86%	36.04%	-19.34%	-20.38%	4.44%	-27.59%	-58.76%	-58.45%	-120.05%	-17.99%	27.82%	30.55%	46.28%	59.22%	40.55%	39.44%	28.88%	40.30%	38.90%	34.24%	30.78%
Income Tax Expense	157.00M	166.00M	48.00M	45.00M	148.00M	87.00M	82.00M	-33.98M	-416.25M	-15.65M	1.06M	2.10M	55.01M	-147.96M	-19.59M	40.82M	44.09M	78.14M	136.76M	60.63M	45.93M	16.36M	20.80M	26.00M	13.30M	10.30M
Net Income	533.00M	538.00M	218.00M	187.00M	63.00M	171.00M	158.00M	-69.47M	266.99M	68.38M	-181.78M	-374.81M	-496.68M	-275.41M	-39.23M	75.20M	79.87M	143.75M	254.35M	129.34M	82.94M	28.93M	38.40M	41.10M	21.80M	17.00M
Net Income Ratio	35.27%	32.02%	22.22%	23.46%	8.62%	24.43%	23.72%	-12.99%	36.46%	5.76%	-27.76%	-59.09%	-65.74%	-78.10%	-12.00%	18.03%	19.68%	29.99%	38.51%	30.63%	25.38%	18.45%	26.14%	23.83%	21.27%	19.17%
EPS	9.96	9.52	3.81	3.21	1.10	3.02	2.80	-1.23	4.76	1.23	-3.28	-6.77	-156.36	-381.70	-64.00	118.00	129.00	235.00	425.00	221.50	149.67	52.89	62.89	66.67	37.78	33.59
EPS Diluted	9.96	9.52	3.81	3.21	1.08	2.97	2.76	-1.23	4.72	1.22	-3.28	-6.77	-156.36	-381.70	-64.00	117.00	125.00	224.00	399.00	209.00	139.00	52.22	61.11	64.44	37.33	33.59
Weighted Avg Shares Out	53.52M	56.51M	57.24M	58.32M	57.09M	56.57M	56.43M	56.25M	56.06M	55.76M	55.43M	55.33M	3.18M	721.53K	612.89K	637.31K	619.11K	611.72K	598.48K	583.94K	554.17K	547.07K	610.60K	616.50K	577.06K	506.12K
Weighted Avg Shares Out (Dil)	53.52M	56.51M	57.24M	58.32M	58.18M	57.60M	57.16M	56.25M	56.52M	56.19M	55.43M	55.33M	3.18M	721.53K	612.89K	642.75K	638.92K	641.76K	637.47K	618.87K	596.69K	554.06K	628.36K	637.76K	583.93K	506.12K

Flagstar Announces Fourth Quarter 2020 Earnings Call

January 6, 2021prnewswire.com

TROY, Mich., Jan. 6, 2021 /PRNewswire/ -- Flagstar Bancorp, Inc. (NYSE: FBC) today released instructions for its fourth quarter 2020 earnings call, which will be held Thursday, January 21, at 11 a.m. ET. The purpose of the call is to...

How Flagstar Bancorp (FBC) Stock Stands Out in a Strong Industry

December 28, 2020zacks.com

Flagstar Bancorp (FBC) has seen solid earnings estimate revision activity over the past month, and belongs to a strong industry as well.

Has Flagstar Bancorp (FBC) Outpaced Other Finance Stocks This Year?

December 17, 2020zacks.com

Is (FBC) Outperforming Other Finance Stocks This Year?

A Tale Of Two Mortgage Originators: Flagstar And Impac

December 8, 2020seekingalpha.com

Mortgage Originators are benefiting from both high demand and much greater than normal gain on sale margins. These conditions continued into Q4 which means they will likely report yet another quarter of huge gain on sale profits.

Flagstar Bancorp: Low LTV Ratios Make This Bank And Mortgage Originator Interesting

November 16, 2020seekingalpha.com

Flagstar Bancorp is firing on all cylinders this year and the mortgage originator has sold more than 50% more loans than last year. This boosted the EPS tremendously, but readers are cautioned to not take this for granted.

Flagstar Bancorp, Inc. Announces Pricing of Secondary Offering of Common Stock

November 5, 2020prnewswire.com

TROY, Mich., Nov. 5, 2020 /PRNewswire/ -- Flagstar Bancorp, Inc. (NYSE: FBC) (the "Company") today announced the pricing of its previously announced registered public secondary offering of 9,112,705 shares of the Company's common stock at a public offering price of...

Flagstar Bancorp, Inc. Announces Proposed Secondary Offering of Common Stock

November 5, 2020prnewswire.com

TROY, Mich., Nov. 5, 2020 /PRNewswire/ -- Flagstar Bancorp, Inc. (NYSE: FBC) (the "Company") today announced the commencement of a registered public secondary offering of 9,112,705 shares of the Company's common stock. All of the shares sold in the offering...

Flagstar Bancorp, Inc. Announces Pricing of Subordiated Notes Offering

October 26, 2020prnewswire.com

TROY, Mich., Oct. 26, 2020 /PRNewswire/ -- Flagstar Bancorp, Inc. (NYSE: FBC) (the "Company") today announced the pricing of its previously announced underwritten registered offering of $150 million aggregate principal amount of its 4.125% Fixed-to-Floating Rate Subordinated Notes due...

Flagstar Bancorp Inc (NYSE:FBC) Expected to Announce Quarterly Sales of $506.03 Million

October 18, 2020thelincolnianonline.com

Brokerages expect Flagstar Bancorp Inc (NYSE:FBC) to report $506.03 million in sales for the current quarter, according to Zacks. Three analysts have made estimates for Flagstar Bancorp’s earnings, with the lowest sales estimate coming in at $495.50 million and the...

Flagstar Bancorp Inc (NYSE:FBC) Stake Reduced by Vanguard Group Inc.

September 27, 2020thelincolnianonline.com

Vanguard Group Inc. cut its holdings in Flagstar Bancorp Inc (NYSE:FBC) by 2.5% during the 2nd quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission. The institutional investor owned 3,551,853 shares of the...

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Source: https://incomestatements.info
Category: Stock Reports

Flagstar Bancorp, Inc. (FBC) Income Statement Analysis – Financial Results

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