Flagstar Bank, National Association (FLG) vs Texas Capital Bancshares, Inc. (TCBI)

Flagstar Bank, National Association and Texas Capital Bancshares, Inc. are both Banks Regional companies. Flagstar Bank, National Association and Texas Capital Bancshares, Inc. are of similar size ($4.5B and $4.3B). Texas Capital Bancshares, Inc. trades at the lower P/E: 13.1× against 70.7×. Texas Capital Bancshares, Inc. grew revenue faster over the last twelve months: 3.04% against −16.6%. Texas Capital Bancshares, Inc. has the higher net margin (16.9% vs 1.46%) and the higher return on invested capital (22.8% vs 0.45%). Both pay a dividend; Texas Capital Bancshares, Inc. yields more (0.39% vs 0.38%). Across the 19 metrics below, Texas Capital Bancshares, Inc. leads on 16 and Flagstar Bank, National Association on 3.

Valuation

Metric FLG TCBI Banks Regional median
P/E 70.73 13.10 12.02
P/S 1.01 2.17 2.36
P/B 0.61 1.39 1.23
Price to free cash flow 64.19 7.01 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 1.41% 7.63% 8.21%
Free cash flow yield 1.56% 14.27% 9.23%

Profitability

Metric FLG TCBI Banks Regional median
Gross margin 48.62% 65.65% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 1.46% 16.90% 18.82%
Free cash flow margin 0.00% 25.34% 17.97%
Return on equity 0.85% 10.60% 10.28%
Return on assets 0.07% 1.07% 1.13%
Return on invested capital 0.45% 22.80% 8.45%

Growth

Metric FLG TCBI Banks Regional median
Revenue growth (TTM) (16.60%) 3.04% 6.37%
EPS growth (last fiscal year) 85.29% 430.47% 18.85%
Revenue growth, 5-year CAGR 22.13% 9.98% 12.65%
Net income growth, 5-year CAGR 0.00% 40.81% 9.81%

Health

Metric FLG TCBI Banks Regional median
Debt to equity 1.43 0.14 0.17
Current ratio 0.96 0.99 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FLG TCBI Banks Regional median
Dividend yield 0.38% 0.39% 2.49%
Payout ratio 0.27 0.05 0.29

Size

Metric FLG TCBI Banks Regional median
Market cap 4.25b 4.48b 934.85m

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