FLAGSTAR BANCORP INC
Financials · Savings Institution, Federally Chartered · MI · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | |
|---|---|---|---|---|---|---|
| Revenue | $43.0M | $41.0M | $46.0M | $31.0M | $21.0M | $810.0M |
| Operating income | — | — | — | — | — | — |
| Net income | $533.0M | $538.0M | $218.0M | $187.0M | $63.0M | $171.0M |
| Total assets | $85.00B | $31.04B | $23.27B | $18.53B | $16.91B | $14.05B |
| Total liabilities | $22.77B | $28.84B | $21.48B | $16.96B | $15.51B | $12.72B |
| Equity | $2.72B | $2.20B | $1.79B | $1.57B | $1.40B | $1.34B |
| EPS (diluted) | $9.96 | $9.52 | $3.80 | $3.21 | $1.09 | $2.66 |
| Shares out. | 52.7M | 56.7M | 56.4M | 57.4M | 57.0M | 56.6M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2021- Operating margin
- —
- Net margin
- 1239.5%
- Return on equity
- 19.6%
- Return on assets
- 0.6%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 26.8%
- Debt / equity
- 8.38×
- Book value / share
- $51.60
- Revenue growth (YoY)
- 4.9%
- Net income growth (YoY)
- −0.9%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2021- Accruals / assets
- 2.0%clean
- Piotroski F-Score
- 3/7weak
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 4 good- Negative operating cash flow
- Strong return on equity (>15%)
- Revenue is growing year-over-year
- Conservative leverage (liabilities < 50% of assets)
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Marx BryanOfficer — EVP Chief Accting Officer(PAO) | Dec 1, 2022 | Grant | 2,922 | $0.00 |
| Borja Paul DOfficer — Exec VP and General Counsel | Dec 1, 2022 | Grant | 2,484 | $0.00 |
| Buck KarenOfficer — EVP and Director of Operations | Dec 1, 2022 | D | 4,597 | — |
| Davis Reginald EOfficer — EVP and President of Banking | Dec 1, 2022 | D | 1,148 | — |
| Smith Lee MatthewOfficer — EVP and President of Mortgage | Dec 1, 2022 | Grant | 6,250 | — |
| Figliuolo Stephen VOfficer — EVP and Chief Risk Officer | Dec 1, 2022 | Option exercise | 3,985 | $0.00 |
| Ciroli JamesOfficer — EVP and Chief Financ Officer | Dec 1, 2022 | Option exercise | 3,985 | $0.00 |
| Whip Jennifer RDirector | Dec 1, 2022 | D | 17,732 | — |
| Treadwell David LDirector | Dec 1, 2022 | D | 36,620 | — |
| Schoels PeterDirector | Dec 1, 2022 | D | 8,619 | — |
| Ovenden JamesDirector | Dec 1, 2022 | D | 38,221 | — |
| Nyberg Bruce EDirector | Dec 1, 2022 | D | 26,481 | — |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsDec 1, 2022
- Other material eventNov 7, 2022
- Entered a material agreementOct 28, 2022
- Other material eventOct 28, 2022
- Results of operationsOct 26, 2022
- Results of operationsJul 27, 2022
- Shareholder voteMay 26, 2022
- Results of operationsApr 27, 2022
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (2)
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