Flagstar Financial (FLG) Competitors

Flagstar Financial (NYSE:FLG) and Citizens Financial Group (NYSE:CFG) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their community ranking, institutional ownership, analyst recommendations, risk, profitability, media sentiment, dividends, valuation and earnings.

Is FLG or CFG more profitable?

Citizens Financial Group has a net margin of 12.21% compared to Flagstar Financial's net margin of -17.16%. Citizens Financial Group's return on equity of 6.75% beat Flagstar Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Flagstar Financial	-17.16%	-10.72%	-0.76%
Citizens Financial Group	12.21%	6.75%	0.68%

Does the MarketBeat Community believe in FLG or CFG?

Citizens Financial Group received 542 more outperform votes than Flagstar Financial when rated by MarketBeat users. Likewise, 61.88% of users gave Citizens Financial Group an outperform vote while only 41.67% of users gave Flagstar Financial an outperform vote.

Company	Underperform	Outperform
Flagstar Financial	Outperform Votes 5 41.67%	Underperform Votes 7 58.33%
Citizens Financial Group	Outperform Votes 547 61.88%	Underperform Votes 337 38.12%

Do institutionals and insiders hold more shares of FLG or CFG?

67.9% of Flagstar Financial shares are owned by institutional investors. Comparatively, 94.9% of Citizens Financial Group shares are owned by institutional investors. 19.4% of Flagstar Financial shares are owned by company insiders. Comparatively, 0.7% of Citizens Financial Group shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Which has better earnings and valuation, FLG or CFG?

Citizens Financial Group has higher revenue and earnings than Flagstar Financial. Flagstar Financial is trading at a lower price-to-earnings ratio than Citizens Financial Group, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Flagstar Financial	$2.32B	2.03	-$1.09B	-$2.60	-4.35
Citizens Financial Group	$7.77B	2.30	$1.51B	$3.15	13.00

Does the media prefer FLG or CFG?

In the previous week, Flagstar Financial and Flagstar Financial both had 8 articles in the media. Citizens Financial Group's average media sentiment score of 1.76 beat Flagstar Financial's score of 0.41 indicating that Citizens Financial Group is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Flagstar Financial	1 Very Positive mention(s)	2 Positive mention(s)	4 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Citizens Financial Group	7 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive

Do analysts prefer FLG or CFG?

Flagstar Financial presently has a consensus price target of $13.50, suggesting a potential upside of 19.26%. Citizens Financial Group has a consensus price target of $47.89, suggesting a potential upside of 16.92%. Given Flagstar Financial's higher probable upside, research analysts clearly believe Flagstar Financial is more favorable than Citizens Financial Group.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Flagstar Financial	0 Sell rating(s)	4 Hold rating(s)	4 Buy rating(s)	0 Strong Buy rating(s)	2.50
Citizens Financial Group	0 Sell rating(s)	6 Hold rating(s)	11 Buy rating(s)	1 Strong Buy rating(s)	2.72

Is FLG or CFG a better dividend stock?

Flagstar Financial pays an annual dividend of $0.04 per share and has a dividend yield of 0.4%. Citizens Financial Group pays an annual dividend of $1.68 per share and has a dividend yield of 4.1%. Flagstar Financial pays out -1.5% of its earnings in the form of a dividend. Citizens Financial Group pays out 53.3% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Which has more risk and volatility, FLG or CFG?

Flagstar Financial has a beta of 1.13, suggesting that its share price is 13% more volatile than the S&P 500. Comparatively, Citizens Financial Group has a beta of 0.75, suggesting that its share price is 25% less volatile than the S&P 500.

Summary

Citizens Financial Group beats Flagstar Financial on 16 of the 20 factors compared between the two stocks.