Flagstar Bank, National Association (FLG) vs ServisFirst Bancshares, Inc. (SFBS)

Flagstar Bank, National Association and ServisFirst Bancshares, Inc. are both Banks Regional companies. Flagstar Bank, National Association and ServisFirst Bancshares, Inc. are of similar size ($4.7B and $4.3B). ServisFirst Bancshares, Inc. trades at the lower P/E: 13.4× against 369×. ServisFirst Bancshares, Inc. grew revenue faster over the last twelve months: 3.06% against −21.3%. ServisFirst Bancshares, Inc. has the higher net margin (30.9% vs 0.34%) and the higher return on invested capital (44.3% vs 0.30%). Both pay a dividend; ServisFirst Bancshares, Inc. yields more (1.93% vs 0.36%). Across the 19 metrics below, ServisFirst Bancshares, Inc. leads on 15 and Flagstar Bank, National Association on 4.

Valuation

Metric FLG SFBS Banks Regional median
P/E 369.33 13.41 11.98
P/S 1.04 4.15 2.34
P/B 0.60 2.18 1.19
Price to free cash flow 67.92 9.25 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 0.27% 7.46% 8.23%
Free cash flow yield 1.47% 10.81% 9.08%

Profitability

Metric FLG SFBS Banks Regional median
Gross margin 47.14% 60.41% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 0.34% 30.94% 18.66%
Free cash flow margin 1.53% 44.91% 21.11%
Return on equity 0.20% 17.33% 10.65%
Return on assets 0.02% 1.80% 1.13%
Return on invested capital 0.30% 44.30% 8.35%

Growth

Metric FLG SFBS Banks Regional median
Revenue growth (TTM) (21.29%) 3.06% 6.98%
EPS growth (last fiscal year) 85.29% 21.63% 18.88%
Revenue growth, 5-year CAGR 22.13% 19.41% 12.38%
Net income growth, 5-year CAGR 0.00% 10.28% 9.71%

Health

Metric FLG SFBS Banks Regional median
Debt to equity 1.34 0.02 0.22
Current ratio 0.90 0.98 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FLG SFBS Banks Regional median
Dividend yield 0.36% 1.93% 2.57%
Payout ratio 1.33 0.26 0.30

Size

Metric FLG SFBS Banks Regional median
Market cap 4.67b 4.32b 913.33m

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