Reviewing Intesa Sanpaolo (OTCMKTS:ISNPY) & Flagstar Bank, National Association (NYSE:FLG)

Flagstar Bank, National Association (NYSE:FLG) and Intesa Sanpaolo (OTCMKTS:ISNPY) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, analyst recommendations, profitability, institutional ownership, valuation, risk and dividends.

Insider and Institutional Ownership

67.9% of Flagstar Bank, National Association shares are held by institutional investors. Comparatively, 1.2% of Intesa Sanpaolo shares are held by institutional investors. 21.4% of Flagstar Bank, National Association shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Dividends

Flagstar Bank, National Association pays an annual dividend of $0.04 per share and has a dividend yield of 0.3%. Intesa Sanpaolo pays an annual dividend of $1.91 per share and has a dividend yield of 4.2%. Flagstar Bank, National Association pays out 133.3% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Intesa Sanpaolo pays out 51.3% of its earnings in the form of a dividend. Intesa Sanpaolo is clearly the better dividend stock, given its higher yield and lower payout ratio.

Valuation & Earnings

This table compares Flagstar Bank, National Association and Intesa Sanpaolo”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Flagstar Bank, National Association	$2.09 billion	2.32	-$177.00 million	$0.03	389.83
Intesa Sanpaolo	$43.96 billion	3.03	$10.54 billion	$3.72	12.16

Intesa Sanpaolo has higher revenue and earnings than Flagstar Bank, National Association. Intesa Sanpaolo is trading at a lower price-to-earnings ratio than Flagstar Bank, National Association, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Flagstar Bank, National Association and Intesa Sanpaolo, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Flagstar Bank, National Association	1	3	10	0	2.64
Intesa Sanpaolo	0	2	4	1	2.86

Flagstar Bank, National Association currently has a consensus price target of $16.88, suggesting a potential upside of 44.29%. Given Flagstar Bank, National Association’s higher probable upside, research analysts plainly believe Flagstar Bank, National Association is more favorable than Intesa Sanpaolo.

Profitability

This table compares Flagstar Bank, National Association and Intesa Sanpaolo’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Flagstar Bank, National Association	1.08%	0.98%	0.08%
Intesa Sanpaolo	25.19%	14.10%	1.02%

Risk and Volatility

Flagstar Bank, National Association has a beta of 0.99, indicating that its share price is 1% less volatile than the S&P 500. Comparatively, Intesa Sanpaolo has a beta of 0.79, indicating that its share price is 21% less volatile than the S&P 500.

Summary

Intesa Sanpaolo beats Flagstar Bank, National Association on 11 of the 17 factors compared between the two stocks.

About Flagstar Bank, National Association

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 Intesa Sanpaolo

Intesa Sanpaolo S.p.A. provides various financial products and services primarily in Italy. It operates through six segments: Banca dei Territori, IMI Corporate & Investment Banking, International Subsidiary Banks, Asset Management, Private Banking, and Insurance. The company offers lending and deposit products; private and commercial banking, corporate and transaction banking, structured finance, investment banking, public finance, and capital markets; industrial credit, leasing, and factoring; asset management; life and non-life insurance and pension products; asset and wealth management; private investments; and bancassurance products. The company serves individuals, small and medium-sized businesses, non-profit customers, corporates and financial institutions, public administration, private clients and high net worth individuals, institutional clientele, and other customers. Intesa Sanpaolo S.p.A. was founded in 1998 and is headquartered in Turin, Italy.