Flagstar Bank, National Association (FLG) vs TFS Financial Corporation (TFSL)

Flagstar Bank, National Association and TFS Financial Corporation are both Banks Regional companies. Flagstar Bank, National Association and TFS Financial Corporation are of similar size ($5.1B and $4.7B). TFS Financial Corporation trades at the lower P/E: 46.4× against 414×. TFS Financial Corporation grew revenue faster over the last twelve months: 5.93% against −21.3%. TFS Financial Corporation has the higher net margin (12.2% vs 0.34%) and the higher return on invested capital (1.12% vs 0.30%). Both pay a dividend; TFS Financial Corporation yields more (8.63% vs 4.77%). Across the 20 metrics below, TFS Financial Corporation leads on 13 and Flagstar Bank, National Association on 7.

Valuation

Metric FLG TFSL Banks Regional median
P/E 413.67 46.44 12.15
P/S 1.17 5.64 2.37
P/B 0.68 2.38 1.21
Price to free cash flow 76.07 54.04 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.54 11.99 2.27
Earnings yield 0.24% 2.15% 8.11%
Free cash flow yield 1.31% 1.85% 8.98%

Profitability

Metric FLG TFSL Banks Regional median
Gross margin 47.14% 41.62% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 0.34% 12.17% 18.66%
Free cash flow margin 1.53% 10.45% 21.18%
Return on equity 0.20% 5.23% 10.64%
Return on assets 0.02% 0.57% 1.13%
Return on invested capital 0.30% 1.12% 8.33%

Growth

Metric FLG TFSL Banks Regional median
Revenue growth (TTM) (21.29%) 5.93% 6.61%
EPS growth (last fiscal year) 85.29% 14.29% —
Revenue growth, 5-year CAGR 22.13% 9.26% 12.30%
Net income growth, 5-year CAGR 0.00% 1.83% 9.71%

Health

Metric FLG TFSL Banks Regional median
Debt to equity 1.34 2.97 0.22
Current ratio 0.90 1.67 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FLG TFSL Banks Regional median
Dividend yield 4.77% 8.63% 3.75%
Payout ratio 0.17 3.90 0.27

Size

Metric FLG TFSL Banks Regional median
Market cap 5.14b 4.69b 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack