Flagstar Bank, N.A. Financial Ratios — FLG Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	8.66	8.93	8.35	8.43	-0.8	8.22	7.11	6.26	5.86	7.62	8.74	8.3	-1.38	-14.85	-2.74
Return on Assets (%)	1.15	1.16	1.05	1.02	-0.1	1	0.95	0.84	0.75	0.93	1.03	0.87	-0.08	-1.04	-0.19
Return on Capital (%)	3.09	3.3	2.99	2.92	- -	2.61	2.49	2.13	1.92	2.37	2.44	1.94	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	52.16	54.03	54.33	56.98	-21.47	54	48.92	49.68	50.24	50.65	59.7	55.74	-1.38	-53.33	-9.6
Profit Margin (%)	34.09	34.67	34.58	35.77	-7.67	34.42	34.13	37.63	37.94	44.01	44.15	43.86	-2.17	-43.27	-8.58
Net Income to Common Margin (%)	34.09	34.67	34.58	35.77	-7.67	34.42	32.33	34.71	34.77	41.17	41.7	41.63	-3.08	-44.62	-10.18
Effective Tax Rate (%)	34.65	35.83	36.35	37.21	- -	36.25	30.23	24.25	24.47	13.1	26.05	21.31	- -	- -	- -
Dvd Payout Ratio (%)	91.02	87.51	92.59	91.1	-962.72	66.78	75.22	85.49	87.57	66.11	56.13	51.38	-433.93	-4.6	-7.14
Sustainable Growth Rate (%)	0.78	1.12	0.62	0.75	-8.55	2.73	1.76	0.91	0.73	2.58	3.84	4.04	-7.39	-15.53	-2.94

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	9,930	9,201	11,231	10,541	13,822	12,023	12,464	13,708	14,044	15,551	19,512	31,657	28,617	14,426	12,184
ST Debt	94	- -	- -	- -	- -	- -	- -	- -	- -	- -	3,750	10,325	7,350	2,750	4,000
LT Debt	9,835	9,201	11,231	10,541	13,822	12,023	12,464	13,708	14,044	15,551	15,762	21,332	21,267	11,676	8,184
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	13.24	12.81	12.29	11.91	11.79	12.52	12.81	11.85	11.57	11.26	10.99	9.23	6.89	7.65	8.73
Long-Term Debt/Equity (%)	176.71	162.67	195.8	182.32	232.91	196.33	183.41	205.97	209.24	227.29	223.76	241.75	254.18	142.97	100.5
Long-Term Debt/Capital (%)	63.47	61.93	66.19	64.58	69.96	66.25	64.72	67.32	67.66	69.45	59.35	52.7	57.5	51.68	40.26
Long-Term Debt/Total Assets (%)	23.4	20.84	24.05	21.71	27.47	24.57	25.37	26.41	26.18	27.62	26.48	23.66	18.65	11.66	9.35
Total Debt/Equity (%)	178.41	162.67	195.8	182.32	232.91	196.33	183.41	205.97	209.24	227.29	277	358.76	342.02	176.64	149.63
Total Debt/Capital (%)	64.08	61.93	66.19	64.58	69.96	66.25	64.72	67.32	67.66	69.45	73.47	78.2	77.38	63.85	59.94
Total Debt/Total Assets (%)	23.63	20.84	24.05	21.71	27.47	24.57	25.37	26.41	26.18	27.62	32.78	35.12	25.09	14.4	13.92
Net Debt to Equity	142.44	119.75	184.57	172.56	223.85	187.22	146.21	183.81	193.93	194.91	245.61	335.73	204.88	-12.29	77.24
Net Debt/Capital (%)	58.75	54.49	64.86	63.31	69.12	65.18	59.38	64.77	65.04	65.23	71.07	77.05	67.2	-14.02	43.58
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	13.24	12.81	12.29	11.91	11.79	12.52	12.81	11.85	11.57	11.26	10.99	9.23	6.89	7.65	8.73
Long-Term Debt/Equity (%)	176.71	162.67	195.8	182.32	232.91	196.33	183.41	205.97	209.24	227.29	223.76	241.75	254.18	142.97	100.5
Long-Term Debt/Capital (%)	63.47	61.93	66.19	64.58	69.96	66.25	64.72	67.32	67.66	69.45	59.35	52.7	57.5	51.68	40.26
Long-Term Debt/Total Assets (%)	23.4	20.84	24.05	21.71	27.47	24.57	25.37	26.41	26.18	27.62	26.48	23.66	18.65	11.66	9.35
Total Debt/Equity (%)	178.41	162.67	195.8	182.32	232.91	196.33	183.41	205.97	209.24	227.29	277	358.76	342.02	176.64	149.63
Total Debt/Capital (%)	64.08	61.93	66.19	64.58	69.96	66.25	64.72	67.32	67.66	69.45	73.47	78.2	77.38	63.85	59.94
Total Debt/Total Assets (%)	23.63	20.84	24.05	21.71	27.47	24.57	25.37	26.41	26.18	27.62	32.78	35.12	25.09	14.4	13.92
CFO/Total Liabilities	2.28	1.5	3.36	1.69	-0.95	1.77	3.13	1.19	1.09	0.68	0.55	1.26	0.25	0.09	-0.23
CFO/CapEx	20.38	14.86	36.95	9.83	-12.08	8.98	47.75	54.88	- -	- -	72.5	342	3.98	- -	- -
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.03	- -	- -	- -	6.74
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	60.56	- -	- -	- -	54.17
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	5,410	5,752	7,428	7,081	7,914	7,749	6,360	4,456	5,618	4,894	5,678	5,858	7,387	3,871	5,237
- Cash & Cash Equivalents	2,002	2,427	645	564	538	558	2,528	1,475	742	1,948	2,211	2,032	11,475	15,430	5,894
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	503	503	503	503	503	503	503	503	503
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	9,930	9,201	11,231	10,541	13,822	12,023	12,464	13,708	14,044	15,551	19,512	31,657	28,617	14,426	12,184
Enterprise Value	12,613	12,096	17,733	16,885	20,995	19,110	14,530	12,807	14,941	14,465	18,870	27,360	15,887	-7,032	-3,671
Total Capital	15,495	14,857	16,966	16,323	19,757	18,147	19,259	20,363	20,755	22,393	26,556	40,481	36,984	22,593	20,327
Total Debt/Capital (%)	64.08	61.93	66.19	64.58	69.96	66.25	64.72	67.32	67.66	69.45	73.47	78.2	77.38	63.85	59.94
Total Debt / EV	0.79	0.76	0.63	0.62	0.66	0.63	0.86	1.07	0.94	1.08	1.03	1.16	1.8	-2.05	-3.32
EV/Sales	8.96	8.37	12.89	12.44	34.14	13.28	10.64	11.41	14.35	12.46	13.98	18.46	4.37	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	15.19	21	12.89	23.37	- -	25.29	10.95	23.7	29.3	43.31	65.07	26.67	- -	- -	- -
EV/Free Cash Flow to Firm	15.98	22.51	13.25	26.02	- -	28.46	11.19	24.14	29.3	43.31	65.98	26.75	- -	- -	- -
Diluted Market Cap	5,395	5,734	7,401	7,056	7,327	7,719	6,342	4,585	5,597	4,888	5,666	4,172	7,318	3,086	5,229
Diluted Enterprise Value	12,598	12,078	17,707	16,859	20,408	19,080	14,512	12,936	14,921	14,459	18,858	25,674	15,818	-7,817	-3,679
EV per Share	86.52	82.65	120.69	114.45	129.88	117.71	89.24	81.14	95.91	93.54	121.74	120.49	66.01	- -	- -
TTM Sales	1,408	1,445	1,375	1,357	615	1,439	1,366	1,123	1,041	1,161	1,350	1,482	3,633	2,584	2,062
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	830	576	1,376	722	- -	756	1,327	540	510	334	290	1,026	- -	- -	- -
TTM Free Cash Flow to Firm	789	537	1,339	649	- -	671	1,299	531	510	334	286	1,023	- -	- -	- -

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	6.83	10.67	5.53	10.87	-16.1	11.5	4.88	8.64	10.98	14.63	19.81	4.08	37.15	35.88	-28.89
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	12,613	12,096	17,733	16,885	20,995	19,110	14,530	12,807	14,941	14,465	18,870	27,360	15,887	-7,032	-3,671
Low Price	33.39	34.41	38.7	41.25	42.78	41.22	35.01	25.83	27.6	23.16	30.84	24.51	17.43	5.1	8.56
EV/Sales	8.96	8.37	12.89	12.44	34.14	13.28	10.64	11.41	14.35	12.46	13.98	18.46	4.37	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	11.24	11.44	15.56	14.54	- -	15.58	14.36	11.77	15.45	10.21	10.06	6.74	- -	- -	- -
Price/Earnings Average	13.57	11.45	13.46	14.41	- -	14.81	14.81	14.5	14.8	9.63	9.95	7.84	- -	- -	- -
Price/Earnings High	17.48	13.15	15.6	15.8	- -	17.31	17.93	18.17	17.73	11.66	11.81	10.63	- -	- -	- -
Price/Earnings Low	10.11	10.02	11.92	12.49	- -	13.46	12.87	10.77	11.83	7.47	8.47	6.4	- -	- -	- -
Price/Book Value	0.97	1.02	1.29	1.22	1.33	1.27	1.01	0.72	0.9	0.77	0.87	0.7	0.94	0.51	0.69
Price/Book Value Average	1.17	1.02	1.12	1.21	1.41	1.2	1.04	0.89	0.87	0.73	0.86	0.82	0.95	0.67	0.63
Price/Book Value High	1.51	1.17	1.3	1.33	1.57	1.41	1.26	1.12	1.04	0.88	1.02	1.11	1.31	1.72	0.75
Price/Book Value Low	0.87	0.89	0.99	1.05	1.17	1.09	0.91	0.66	0.69	0.56	0.73	0.67	0.53	0.28	0.47
Price/Tangible Book Value	1.83	1.89	2.44	2.28	2.44	2.24	1.65	1.2	1.49	1.25	1.38	1.28	1.21	0.54	0.72
Price/Tangible Book Value Average	2.21	1.89	2.11	2.26	2.57	2.13	1.7	1.48	1.42	1.18	1.36	1.49	1.21	0.71	0.67
Price/Tangible Book Value High	2.84	2.17	2.45	2.47	2.86	2.49	2.06	1.85	1.7	1.43	1.62	2.02	1.68	1.84	0.79
Price/Tangible Book Value Low	1.64	1.65	1.87	1.96	2.13	1.94	1.48	1.1	1.14	0.92	1.16	1.22	0.68	0.29	0.49
Price/Sales	3.83	3.97	5.38	5.2	11.92	5.36	4.64	4.08	5.37	4.2	4.2	2.81	2.01	1.19	2.54
Price/Sales Average	4.63	3.97	4.65	5.16	12.58	5.1	4.79	5.03	5.15	3.96	4.15	3.26	2.02	1.58	2.34
Price/Sales High	5.96	4.56	5.39	5.65	14.01	5.96	5.8	6.31	6.16	4.8	4.93	4.43	2.79	4.08	2.79
Price/Sales Low	3.45	3.47	4.12	4.47	10.41	4.63	4.16	3.74	4.11	3.08	3.53	2.67	1.14	0.65	1.72
Price/Cash Flow	6.5	9.95	5.38	9.77	-17.43	10.21	4.78	8.49	10.97	14.61	19.54	4.05	27.76	35.88	-28.89
Price/Cash Flow Average	7.85	9.96	4.65	9.68	-18.4	9.71	4.93	10.45	10.5	13.78	19.31	4.71	27.96	47.55	-26.7
Price/Cash Flow High	10.1	11.44	5.39	10.62	-20.48	11.35	5.97	13.1	12.58	16.69	22.93	6.39	38.59	122.52	-31.77
Price/Cash Flow Low	5.85	8.72	4.12	8.39	-15.23	8.82	4.28	7.76	8.4	10.69	16.45	3.85	15.77	19.61	-19.64
Price/Free Cash Flow Average	8.25	10.68	4.78	10.78	-16.99	10.93	5.04	10.65	10.51	13.8	19.58	4.74	37.42	47.55	-26.7
Price/Free Cash Flow High	10.63	12.26	5.54	11.82	-18.92	12.77	6.1	13.35	12.59	16.71	23.25	6.43	51.64	122.52	-31.77
Price/Free Cash Flow Low	6.15	9.34	4.23	9.34	-14.06	9.93	4.38	7.91	8.4	10.71	16.68	3.87	21.1	19.61	-19.64
EV/Sales Average	9.76	8.37	12.16	12.4	34.86	13.01	10.78	12.33	14.12	12.22	13.93	19.1	4.39	- -	- -
EV/Sales High	11.09	8.96	12.91	12.9	36.4	13.88	11.8	13.57	15.15	13.06	14.71	20.74	5.17	0.9	- -
EV/Sales Low	8.57	7.87	11.63	11.71	32.52	12.54	10.16	11.07	13.09	11.33	13.31	18.26	3.49	- -	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	37.11	39.3	50.55	48	48.96	47.73	39.06	28.23	36.06	31.65	36.63	25.8	30.69	9.33	12.59
High Price	57.72	45.15	50.66	52.17	57.54	53.04	48.77	43.59	41.37	36.15	42.99	40.7	42.66	31.86	13.85
Enterprise Value Average	13,738	12,102	16,730	16,825	21,436	18,728	14,730	13,839	14,704	14,185	18,804	28,313	15,941	-5,772	-4,067
Enterprise Value High	15,618	12,952	17,748	17,500	22,382	19,972	16,111	15,231	15,768	15,161	19,856	30,743	18,768	2,317	-3,149
Enterprise Value Low	12,071	11,380	15,992	15,889	19,996	18,053	13,871	12,428	13,623	13,152	17,972	27,068	12,695	-8,787	-5,347

Shares Outstanding	146	146	147	148	162	162	163	158	156	155	155	227	241	415	416
Diluted Weighted Avg Shares	145	146	146	147	150	162	162	162	155	154	155	162	238	331	415
Basic Weighted Avg Shares	145	146	146	147	150	162	162	162	155	154	155	161	238	331	415
Revenue per Share	9.69	9.91	9.39	9.23	4.11	8.9	8.41	6.91	6.71	7.53	8.73	9.19	15.27	7.81	4.96
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	3.3	3.43	3.25	3.3	-0.32	3.06	2.72	2.4	2.33	3.1	3.64	3.83	-0.47	-3.49	-0.51
Basic EPS from Cont Ops	3.3	3.43	3.25	3.3	-0.32	3.06	2.87	2.6	2.55	3.31	3.85	4.03	-0.33	-3.38	-0.43
Diluted EPS, GAAP	3.3	3.43	3.25	3.3	-0.32	3.06	2.72	2.4	2.33	3.1	3.64	3.82	-0.47	-3.49	-0.51
Diluted EPS from Cont Ops	3.3	3.43	3.25	3.3	-0.32	3.06	2.87	2.6	2.54	3.31	3.85	4.02	-0.33	-3.38	-0.43
Dividend per Share	3.01	3.01	3.01	3.01	3.03	2.05	2.2	2.25	2.26	2.26	2.26	2.17	2.18	0.27	0.12
Cash Flow per Share	5.71	3.95	9.4	4.91	-2.81	4.67	8.17	3.33	3.29	2.17	1.87	6.36	1.11	0.26	-0.44
Free Cash Flow per Basic Share	5.43	3.68	9.14	4.41	-3.04	4.15	8	3.27	3.29	2.17	1.85	6.35	0.83	0.26	-0.44
Cash & Equivalents per Share	18.7	19.52	6.3	5	4.59	4.08	29.46	37.12	33.53	41.92	44.02	46.94	85.67	62.26	51.91
Book Value per Share	38.18	38.65	39.03	39.19	36.71	37.72	38.64	38.98	39.86	40.99	42.2	36.64	32.67	18.47	18.37
Tangible Book Value per Share	20.31	20.8	20.7	21.08	20.09	21.27	23.65	23.54	24.28	25.3	26.55	20.15	25.46	17.29	17.45

Flagstar Bank, N.A.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)