Flagstar Bank, National Association (FLG) vs Bank OZK (OZK)

Flagstar Bank, National Association and Bank OZK are both Banks Regional companies. Flagstar Bank, National Association and Bank OZK are of similar size ($5.1B and $5.1B). Bank OZK trades at the lower P/E: 7.7× against 414×. Bank OZK grew revenue faster over the last twelve months: −0.40% against −21.3%. Bank OZK has the higher net margin (24.4% vs 0.34%) and the higher return on invested capital (10.8% vs 0.30%). Both pay a dividend; Flagstar Bank, National Association yields more (4.77% vs 3.56%). Across the 20 metrics below, Bank OZK leads on 15 and Flagstar Bank, National Association on 5.

Valuation

Metric FLG OZK Banks Regional median
P/E 413.67 7.72 12.15
P/S 1.17 1.87 2.37
P/B 0.68 0.87 1.21
Price to free cash flow 76.07 6.78 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.54 1.47 2.27
Earnings yield 0.24% 12.95% 8.11%
Free cash flow yield 1.31% 14.75% 8.98%

Profitability

Metric FLG OZK Banks Regional median
Gross margin 47.14% 62.77% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 0.34% 24.37% 18.66%
Free cash flow margin 1.53% 27.52% 21.18%
Return on equity 0.20% 11.72% 10.64%
Return on assets 0.02% 1.62% 1.13%
Return on invested capital 0.30% 10.80% 8.33%

Growth

Metric FLG OZK Banks Regional median
Revenue growth (TTM) (21.29%) (0.40%) 6.61%
EPS growth (last fiscal year) 85.29% 0.65% —
Revenue growth, 5-year CAGR 22.13% 18.81% 12.30%
Net income growth, 5-year CAGR 0.00% 19.09% 9.71%

Health

Metric FLG OZK Banks Regional median
Debt to equity 1.34 0.07 0.22
Current ratio 0.90 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FLG OZK Banks Regional median
Dividend yield 4.77% 3.56% 3.75%
Payout ratio 0.17 0.25 0.27

Size

Metric FLG OZK Banks Regional median
Market cap 5.14b 5.09b 921.07m

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