Logo image of NYCB

NEW YORK COMMUNITY BANCORP (NYCB) Stock Fundamental Analysis

NYSE:NYCB - New York Stock Exchange, Inc. - US6494454001 - Common Stock - Currency: USD

10.55  -0.95 (-8.26%)

After market: 10.57 +0.02 (+0.19%)

Fundamental Rating

2

Taking everything into account, NYCB scores 2 out of 10 in our fundamental rating. NYCB was compared to 398 industry peers in the Banks industry. Both the profitability and financial health of NYCB have multiple concerns. NYCB has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

1. Profitability

1.1 Basic Checks

NYCB had negative earnings in the past year.
In the past year NYCB had a positive cash flow from operations.
NYCB had positive earnings in 4 of the past 5 years.
Each year in the past 5 years NYCB had a positive operating cash flow.
NYCB Yearly Net Income VS EBIT VS OCF VS FCFNYCB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 500M 1B

1.2 Ratios

With a Return On Assets value of -2.66%, NYCB is not doing good in the industry: 99.50% of the companies in the same industry are doing better.
NYCB has a worse Return On Equity (-36.53%) than 99.50% of its industry peers.
Industry RankSector Rank
ROA -2.66%
ROE -36.53%
ROIC N/A
ROA(3y)0.5%
ROA(5y)0.6%
ROE(3y)4.47%
ROE(5y)5.13%
ROIC(3y)N/A
ROIC(5y)N/A
NYCB Yearly ROA, ROE, ROICNYCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2 4 6 8

1.3 Margins

NYCB does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
NYCB Yearly Profit, Operating, Gross MarginsNYCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 20 30 40

More info and screens

2

2. Health

2.1 Basic Checks

NYCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
NYCB has more shares outstanding than it did 1 year ago.
NYCB has less shares outstanding than it did 5 years ago.
NYCB has a worse debt/assets ratio than last year.
NYCB Yearly Shares OutstandingNYCB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M
NYCB Yearly Total Debt VS Total AssetsNYCB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 20B 40B 60B 80B 100B

2.2 Solvency

The Debt to FCF ratio of NYCB is 2.72, which is a good value as it means it would take NYCB, 2.72 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 2.72, NYCB perfoms like the industry average, outperforming 49.25% of the companies in the same industry.
A Debt/Equity ratio of 0.71 indicates that NYCB is somewhat dependend on debt financing.
NYCB has a worse Debt to Equity ratio (0.71) than 80.35% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.71
Debt/FCF 2.72
Altman-Z N/A
ROIC/WACCN/A
WACC9.73%
NYCB Yearly LT Debt VS Equity VS FCFNYCB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2B 4B 6B 8B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
NYCB Yearly Current Assets VS Current LiabilitesNYCB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B

More info and screens

3

3. Growth

3.1 Past

The earnings per share for NYCB have decreased strongly by -183.97% in the last year.
Looking at the last year, NYCB shows a very strong growth in Revenue. The Revenue has grown by 250.82%.
Measured over the past years, NYCB shows a very strong growth in Revenue. The Revenue has been growing by 38.71% on average per year.
EPS 1Y (TTM)-183.97%
EPS 3Y-8.46%
EPS 5Y0%
EPS Q2Q%-163.89%
Revenue 1Y (TTM)250.82%
Revenue growth 3Y70.58%
Revenue growth 5Y38.71%
Sales Q2Q%-42.18%

3.2 Future

Based on estimates for the next years, NYCB will show a very negative growth in Earnings Per Share. The EPS will decrease by -32.11% on average per year.
NYCB is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -7.14% yearly.
EPS Next Y-225.78%
EPS Next 2Y-46.17%
EPS Next 3Y-32.11%
EPS Next 5YN/A
Revenue Next Year-29.68%
Revenue Next 2Y-18.17%
Revenue Next 3Y-7.14%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
NYCB Yearly Revenue VS EstimatesNYCB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1B 2B 3B 4B 5B
NYCB Yearly EPS VS EstimatesNYCB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 2 -2 4

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

NYCB reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Also next year NYCB is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
NYCB Price Earnings VS Forward Price EarningsNYCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20

4.2 Price Multiples

98.51% of the companies in the same industry are more expensive than NYCB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 1.94
EV/EBITDA N/A
NYCB Per share dataNYCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20

4.3 Compensation for Growth

A cheap valuation may be justified as NYCB's earnings are expected to decrease with -32.11% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-46.17%
EPS Next 3Y-32.11%

More info and screens

3

5. Dividend

5.1 Amount

With a yearly dividend of 0.38%, NYCB is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.66, NYCB's dividend is way lower than its industry peers. On top of this 87.56% of the companies listed in the same industry pay a better dividend than NYCB!
Compared to an average S&P500 Dividend Yield of 2.51, NYCB's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.38%

5.2 History

On average, the dividend of NYCB grows each year by 23.88%, which is quite nice.
NYCB has paid a dividend for at least 10 years, which is a reliable track record.
NYCB has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)23.88%
Div Incr Years0
Div Non Decr Years7
NYCB Yearly Dividends per shareNYCB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.5 1 1.5 2 2.5

5.3 Sustainability

NYCB has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-10.34%
EPS Next 2Y-46.17%
EPS Next 3Y-32.11%
NYCB Yearly Income VS Free CF VS DividendNYCB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 500M 1B

More info and screens

NEW YORK COMMUNITY BANCORP

NYSE:NYCB (10/25/2024, 8:04:00 PM)

After market: 10.57 +0.02 (+0.19%)

10.55

-0.95 (-8.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-25 2024-10-25/bmo
Earnings (Next)N/A N/A
Inst Owners70.19%
Inst Owner Change-0.05%
Ins Owners1.39%
Ins Owner Change0%
Market Cap4.38B
Analysts71
Price Target12.66 (20%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.38%
Yearly Dividend2.22
Dividend Growth(5Y)23.88%
DP-10.34%
Div Incr Years0
Div Non Decr Years7
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-104.29%
Min EPS beat(2)-145.75%
Max EPS beat(2)-62.82%
EPS beat(4)1
Avg EPS beat(4)-99.98%
Min EPS beat(4)-193.09%
Max EPS beat(4)1.73%
EPS beat(8)2
Avg EPS beat(8)-45.66%
EPS beat(12)3
Avg EPS beat(12)-30.57%
EPS beat(16)6
Avg EPS beat(16)-19.25%
Revenue beat(2)0
Avg Revenue beat(2)-7.61%
Min Revenue beat(2)-9.13%
Max Revenue beat(2)-6.09%
Revenue beat(4)1
Avg Revenue beat(4)-5.12%
Min Revenue beat(4)-10.55%
Max Revenue beat(4)5.3%
Revenue beat(8)4
Avg Revenue beat(8)5.25%
Revenue beat(12)7
Avg Revenue beat(12)4.53%
Revenue beat(16)11
Avg Revenue beat(16)4.55%
PT rev (1m)4.77%
PT rev (3m)0.72%
EPS NQ rev (1m)-3.25%
EPS NQ rev (3m)-8.91%
EPS NY rev (1m)-22.97%
EPS NY rev (3m)-41.15%
Revenue NQ rev (1m)-2.02%
Revenue NQ rev (3m)-1.7%
Revenue NY rev (1m)-0.48%
Revenue NY rev (3m)-2.02%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 1.36
P/FCF 1.94
P/OCF 1.88
P/B 0.51
P/tB 0.63
EV/EBITDA N/A
EPS(TTM)-3.3
EYN/A
EPS(NY)-0.32
Fwd EYN/A
FCF(TTM)5.45
FCFY51.63%
OCF(TTM)5.62
OCFY53.3%
SpS7.74
BVpS20.84
TBVpS16.8
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -2.66%
ROE -36.53%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 70.4%
ROA(3y)0.5%
ROA(5y)0.6%
ROE(3y)4.47%
ROE(5y)5.13%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.71
Debt/FCF 2.72
Debt/EBITDA N/A
Cap/Depr 39.89%
Cap/Sales 2.27%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC9.73%
ROIC/WACCN/A
Cap/Depr(3y)25.24%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.54%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-183.97%
EPS 3Y-8.46%
EPS 5Y0%
EPS Q2Q%-163.89%
EPS Next Y-225.78%
EPS Next 2Y-46.17%
EPS Next 3Y-32.11%
EPS Next 5YN/A
Revenue 1Y (TTM)250.82%
Revenue growth 3Y70.58%
Revenue growth 5Y38.71%
Sales Q2Q%-42.18%
Revenue Next Year-29.68%
Revenue Next 2Y-18.17%
Revenue Next 3Y-7.14%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y236.11%
FCF growth 3Y-16.15%
FCF growth 5Y-17.98%
OCF growth 1Y245.93%
OCF growth 3Y-7.68%
OCF growth 5Y-13.41%