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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

We assign a fundamental rating of 2 out of 10 to NYCB. NYCB was compared to 396 industry peers in the Banks industry. NYCB has a bad profitability rating. Also its financial health evaluation is rather negative. NYCB is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1. Profitability

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.
Of the past 5 years NYCB 4 years were profitable.
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

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.
NYCB has a Return On Equity of -36.53%. This is amonst the worse of the industry: NYCB underperforms 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

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 20 30 40

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2

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.
The number of shares outstanding for NYCB has been reduced compared to 5 years ago.
The debt/assets ratio for NYCB is higher compared to a year ago.
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 of 2.72. This is comparable to the rest of the industry: NYCB outperforms 49.25% of its industry peers.
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

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3

3. Growth

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%.
The Revenue has been growing by 38.71% on average over the past years. This is a very strong growth!
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.
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.
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

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

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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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 3.29, 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 2.34, 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

The earnings of NYCB are negative and hence is the payout ratio. NYCB will probably not be able to sustain this dividend level.
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 Change-0.02%
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%