NEW YORK COMMUNITY BANCORP (NYCB) Fundamental Analysis & Valuation

NYSE:NYCB • US6494454001

Current stock price

10.55 USD
-0.95 (-8.26%)
At close:
10.57 USD
+0.02 (+0.19%)
After Hours:

This NYCB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. NYCB Profitability Analysis

1.1 Basic Checks

  • In the past year NYCB has reported negative net income.
  • In the past year NYCB had a positive cash flow from operations.
  • NYCB had positive earnings in 4 of the past 5 years.
  • NYCB had a positive operating cash flow in each of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 0 500M 1B

1.2 Ratios

  • NYCB's Return On Assets of -2.66% is on the low side compared to the rest of the industry. NYCB is outperformed by 99.50% of its industry peers.
  • With a Return On Equity value of -36.53%, NYCB is not doing good in the industry: 99.50% of the companies in the same industry are doing better.
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 2016 2017 2018 2019 2020 2021 2022 2023 0 2 4 6 8

1.3 Margins

  • The Profit Margin and Operating Margin and Gross Margin are not available for NYCB so they could not be analyzed.
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 2016 2017 2018 2019 2020 2021 2022 2023 0 10 20 30 40

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1

2. NYCB Health Analysis

2.1 Basic Checks

  • NYCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, NYCB has more shares outstanding
  • The debt/assets ratio for NYCB is higher compared to a year ago.
NYCB Yearly Shares OutstandingNYCB Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 20B 40B 60B 80B 100B

2.2 Solvency

  • NYCB has a debt to FCF ratio of 2.72. This is a good value and a sign of high solvency as NYCB would need 2.72 years to pay back of all of its debts.
  • The Debt to FCF ratio of NYCB (2.72) is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.71 indicates that NYCB is somewhat dependend on debt financing.
  • NYCB has a Debt to Equity ratio of 0.71. This is amonst the worse of the industry: NYCB underperforms 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 2016 2017 2018 2019 2020 2021 2022 2023 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 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. NYCB Growth Analysis

3.1 Past

  • The earnings per share for NYCB have decreased strongly by -183.97% in the last year.
  • NYCB shows a strong growth in Revenue. In the last year, the Revenue has grown by 250.82%.
  • NYCB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 38.71% yearly.
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.
  • Based on estimates for the next years, NYCB will show a decrease in Revenue. The Revenue will decrease by -7.14% on average per year.
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

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

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2

4. NYCB Valuation Analysis

4.1 Price/Earnings Ratio

  • NYCB reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for NYCB. No positive earnings are expected for the next year.
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

  • NYCB's earnings are expected to decrease with -32.11% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-46.17%
EPS Next 3Y-32.11%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. NYCB Dividend Analysis

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 2.57, 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 1.81, 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.5 1 1.5 2

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 2016 2017 2018 2019 2020 2021 2022 2023 0 500M 1B

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NYCB Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)N/A
Inst Owners70.19%
Inst Owner Change-0.46%
Ins Owners1.39%
Ins Owner Change0%
Market Cap4.38B
Revenue(TTM)5.76B
Net Income(TTM)-3.16B
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
Graham Number0 (-100%)
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
ROICexgc growth 3YN/A
ROICexgc 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%

NEW YORK COMMUNITY BANCORP / NYCB Fundamental Analysis FAQ

What is the fundamental rating for NYCB stock?

ChartMill assigns a fundamental rating of 2 / 10 to NYCB.


Can you provide the valuation status for NEW YORK COMMUNITY BANCORP?

ChartMill assigns a valuation rating of 2 / 10 to NEW YORK COMMUNITY BANCORP (NYCB). This can be considered as Overvalued.


How profitable is NEW YORK COMMUNITY BANCORP (NYCB) stock?

NEW YORK COMMUNITY BANCORP (NYCB) has a profitability rating of 2 / 10.


How financially healthy is NEW YORK COMMUNITY BANCORP?

The financial health rating of NEW YORK COMMUNITY BANCORP (NYCB) is 2 / 10.


Can you provide the dividend sustainability for NYCB stock?

The dividend rating of NEW YORK COMMUNITY BANCORP (NYCB) is 3 / 10 and the dividend payout ratio is -10.34%.