Flagstar Financial (NYSE:FLG) vs. WCF Bancorp (OTCMKTS:WCFB) Head to Head Survey

Flagstar Financial (NYSE:FLG) and WCF Bancorp (OTCMKTS:WCFB) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their profitability, analyst recommendations, earnings, valuation, institutional ownership, risk and dividends.

Insider & Institutional Ownership

67.9% of Flagstar Financial shares are held by institutional investors. 19.4% of Flagstar Financial shares are held by insiders. Comparatively, 0.8% of WCF Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Dividends

Flagstar Financial pays an annual dividend of $0.04 per share and has a dividend yield of 0.4%. WCF Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 2.5%. Flagstar Financial pays out -1.5% of its earnings in the form of a dividend.

Profitability

This table compares Flagstar Financial and WCF Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Flagstar Financial	-14.21%	-9.68%	-0.70%
WCF Bancorp	N/A	N/A	N/A

Valuation & Earnings

This table compares Flagstar Financial and WCF Bancorp”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Flagstar Financial	$6.35 billion	0.74	-$1.12 billion	($2.60)	-4.34
WCF Bancorp	$11.85 million	1.31	-$40,000.00	N/A	N/A

WCF Bancorp has lower revenue, but higher earnings than Flagstar Financial.

Analyst Ratings

This is a summary of current recommendations and price targets for Flagstar Financial and WCF Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Flagstar Financial	0	5	4	0	2.44
WCF Bancorp	0	0	0	0	0.00

Flagstar Financial presently has a consensus target price of $13.22, suggesting a potential upside of 17.22%. Given Flagstar Financial’s stronger consensus rating and higher probable upside, analysts clearly believe Flagstar Financial is more favorable than WCF Bancorp.

Volatility and Risk

Flagstar Financial has a beta of 1.1, suggesting that its share price is 10% more volatile than the S&P 500. Comparatively, WCF Bancorp has a beta of 0.07, suggesting that its share price is 93% less volatile than the S&P 500.

Summary

Flagstar Financial beats WCF Bancorp on 8 of the 14 factors compared between the two stocks.

About Flagstar Financial

Flagstar Financial, Inc. operates as the bank holding company for Flagstar Bank, N.A. that provides banking products and services in the United States. The company’s deposit products include interest-bearing checking and money market, savings, non-interest-bearing, and retirement accounts, as well as certificates of deposit. Its loan products comprise multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial and industrial loans; one-to-four family loans; specialty finance loans and leases; warehouse loans; and other loans, such as home equity lines of credit, boat and recreational vehicle indirect lending, point of sale consumer loans, and other consumer loans, including overdraft loans. The company offers cash management products; non-deposit investment and insurance products; and online banking, mobile banking, and bank-by-phone services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as New York Community Bancorp, Inc. and changed its name to Flagstar Financial, Inc. in October 2024. Flagstar Financial, Inc. was founded in 1859 and is headquartered in Hicksville, New York.

About WCF Bancorp

WCF Bancorp, Inc. operates as the bank holding company for WCF Financial Bank that provides commercial banking products and services to individuals and businesses. The company offers checking and saving accounts; certificates of deposit; personal, mortgage, business, agricultural, and commercial real estate loans; debit and credit cards; and other products. It operates through full-service offices in Webster City, Independence, and Tama, Iowa. The company was founded in 1934 and is based in Webster City, Iowa.