Flagstar Bank, National Association (FLG) vs Fulton Financial Corporation (FULT)

Flagstar Bank, National Association and Fulton Financial Corporation are both Banks Regional companies. Flagstar Bank, National Association and Fulton Financial Corporation are of similar size ($4.5B and $4.3B). Fulton Financial Corporation trades at the lower P/E: 11.0× against 70.7×. Fulton Financial Corporation grew revenue faster over the last twelve months: 3.07% against −16.6%. Fulton Financial Corporation has the higher net margin (20.6% vs 1.46%) and the higher return on invested capital (13.5% vs 0.45%). Both pay a dividend; Fulton Financial Corporation yields more (3.19% vs 0.38%). Across the 18 metrics below, Fulton Financial Corporation leads on 12 and Flagstar Bank, National Association on 6.

Valuation

Metric FLG FULT Banks Regional median
P/E 70.73 11.04 12.02
P/S 1.01 2.32 2.36
P/B 0.61 1.25 1.23
Price to free cash flow 64.19 11.03 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 1.41% 9.06% 8.21%
Free cash flow yield 1.56% 9.07% 9.23%

Profitability

Metric FLG FULT Banks Regional median
Gross margin 48.62% 71.40% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 1.46% 20.55% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 0.85% 0.00% 10.28%
Return on assets 0.07% 1.21% 1.13%
Return on invested capital 0.45% 13.51% 8.45%

Growth

Metric FLG FULT Banks Regional median
Revenue growth (TTM) (16.60%) 3.07% 6.37%
EPS growth (last fiscal year) 85.29% 32.48% 18.85%
Revenue growth, 5-year CAGR 22.13% 14.26% 12.65%
Net income growth, 5-year CAGR 0.00% 16.74% 9.81%

Health

Metric FLG FULT Banks Regional median
Debt to equity 1.43 0.00 0.17
Current ratio 0.96 0.90 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FLG FULT Banks Regional median
Dividend yield 0.38% 3.19% 2.49%
Payout ratio 0.27 0.35 0.29

Size

Metric FLG FULT Banks Regional median
Market cap 4.25b 4.54b 934.85m

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