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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

Overall NYCB gets a fundamental rating of 2 out of 10. We evaluated NYCB against 396 industry peers in the Banks industry. NYCB has a bad profitability rating. Also its financial health evaluation is rather negative. NYCB has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

NYCB had negative earnings in the past year.
NYCB had a positive operating cash flow in the past year.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 500M 1B

1.2 Ratios

NYCB has a Return On Assets of -2.66%. This is amonst the worse of the industry: NYCB underperforms 99.50% of its industry peers.
Looking at the Return On Equity, with a value of -36.53%, NYCB is doing worse than 99.50% of the companies in the same industry.
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

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2. Health

2.1 Basic Checks

NYCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for NYCB has been increased compared to 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.
NYCB has a Debt to FCF ratio (2.72) which is in line with its industry peers.
A Debt/Equity ratio of 0.71 indicates that NYCB is somewhat dependend on debt financing.
The Debt to Equity ratio of NYCB (0.71) is worse 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

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3. Growth

3.1 Past

NYCB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -183.97%.
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

NYCB is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -32.11% yearly.
The Revenue is expected to decrease by -7.14% on average over the next years.
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.
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 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

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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 10 -10 20 -20 -30

4.2 Price Multiples

NYCB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. NYCB is cheaper than 98.51% of the companies in the same industry.
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%

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5. Dividend

5.1 Amount

NYCB has a yearly dividend return of 0.38%, which is pretty low.
Compared to an average industry Dividend Yield of 3.51, 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 2.39, 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 been paying a dividend for at least 10 years, so it has 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

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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 Change0.89%
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%