Flagstar Bancorp (NYSE:FBC) and Finward Bancorp (OTCMKTS:FNWD) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their earnings, risk, valuation, institutional ownership, profitability, dividends and analyst recommendations.
Risk and Volatility
Flagstar Bancorp has a beta of 1.7, suggesting that its share price is 70% more volatile than the S&P 500. Comparatively, Finward Bancorp has a beta of 0.56, suggesting that its share price is 44% less volatile than the S&P 500.
This table compares Flagstar Bancorp and Finward Bancorp’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Flagstar Bancorp||$2.14 billion||1.22||$538.00 million||$9.52||5.19|
|Finward Bancorp||$69.77 million||2.04||$16.60 million||N/A||N/A|
Flagstar Bancorp has higher revenue and earnings than Finward Bancorp.
This is a breakdown of recent recommendations for Flagstar Bancorp and Finward Bancorp, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Flagstar Bancorp currently has a consensus target price of $56.40, indicating a potential upside of 14.08%. Given Flagstar Bancorp’s higher probable upside, analysts plainly believe Flagstar Bancorp is more favorable than Finward Bancorp.
This table compares Flagstar Bancorp and Finward Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Institutional & Insider Ownership
93.2% of Flagstar Bancorp shares are held by institutional investors. Comparatively, 5.2% of Finward Bancorp shares are held by institutional investors. 2.1% of Flagstar Bancorp shares are held by company insiders. Comparatively, 17.8% of Finward Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
Flagstar Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 0.5%. Finward Bancorp pays an annual dividend of $1.24 per share and has a dividend yield of 3.0%. Flagstar Bancorp pays out 2.5% of its earnings in the form of a dividend.
Flagstar Bancorp beats Finward Bancorp on 9 of the 14 factors compared between the two stocks.
Flagstar Bancorp Company Profile
Flagstar Bancorp, Inc.is a bank holding company, which engages in the provision of financial services. It operates through the following segments: Community Banking, Mortgage Originations, Mortgage Servicing, and Other. The Community Banking segment offers loans, deposits, checking and savings accounts, consumer and commercial loans, treasury management, equipment leasing, and capital markets services. The Mortgage Originations segment acquires and markets residential mortgage loans. The Mortgage Servicing segment comprises financing solutions to properties held-for-investment. The Other segment consists of interest rate risk management, investment securities portfolios, balance sheet funding, treasury and corporate assets, and equities. The company was founded in 1993 and is headquartered in Troy, MI.
Finward Bancorp Company Profile
Finward Bancorp is a bank holding company, which engages in the provision of financial services. It offers checking and savings accounts, loans, eBanking, cash management, investments, retirement plans, and trust funds. The company was founded on January 31, 1994 and is headquartered in Munster, IN.
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