NYCB Fundamental Analysis - NEW YORK COMMUNITY BANCORP

Fundamental Rating

Overall NYCB gets a fundamental rating of 2 out of 10. We evaluated NYCB against 396 industry peers in the Banks industry. Both the profitability and financial health of NYCB have multiple concerns. NYCB is valued expensive and it does not seem to be growing.

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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.

In the past 5 years NYCB always reported a positive cash flow from operatings.

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.

The Return On Equity of NYCB (-36.53%) is worse than 99.50% of its industry peers.

		Industry Rank	Sector 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

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 Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 5 years ago, NYCB has less shares outstanding

NYCB has a worse debt/assets ratio than last year.

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.

Looking at the Debt to FCF ratio, with a value of 2.72, NYCB is in line with its industry, 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's Debt to Equity ratio of 0.71 is on the low side compared to the rest of the industry. NYCB is outperformed by 80.35% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.71
Debt/FCF	2.72
Altman-Z	N/A

ROIC/WACCN/A

WACC9.73%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for NYCB have decreased strongly by -183.97% in the last year.

The Revenue has grown by 250.82% in the past year. This is a very strong growth!

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

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.

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

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for NYCB. In the last year negative earnings were reported.

Also next year NYCB is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, NYCB is valued cheaper than 98.51% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	1.94
EV/EBITDA	N/A

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

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5. Dividend

5.1 Amount

With a yearly dividend of 0.38%, NYCB is not a good candidate for dividend investing.

With a Dividend Yield of 0.38, NYCB pays less dividend than the industry average, which is at 3.27. 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 2.35, NYCB's dividend is way lower than the S&P500 average.

		Industry Rank	Sector 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.

As NYCB did not decrease their dividend in the past 5 years, we can say the dividend looks stable.

Dividend Growth(5Y)23.88%

Div Incr Years0

Div Non Decr Years7

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%

More info and screens

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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 Rank	Sector 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 Rank	Sector 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 Rank	Sector 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 Rank	Sector 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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens