NEW YORK COMMUNITY BANCORP (NYCB) Fundamental Analysis & Valuation

NYSE:NYCB • US6494454001

10.55 USD
-0.95 (-8.26%)
At close: Oct 25, 2024
10.57 USD
+0.02 (+0.19%)
After Hours: 10/25/2024, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to NYCB. NYCB was compared to 381 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.


Dividend Valuation Growth Profitability Health

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 has a worse Return On Assets (-2.66%) than 99.50% of its industry peers.
  • 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 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.
  • The number of shares outstanding for NYCB has been increased compared to 1 year ago.
  • Compared to 1 year ago, NYCB has a worse debt to assets ratio.
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

  • 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 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.
  • 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.
  • 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

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

3

5. NYCB Dividend Analysis

5.1 Amount

  • NYCB has a yearly dividend return of 0.38%, which is pretty low.
  • With a Dividend Yield of 0.38, NYCB pays less dividend than the industry average, which is at 2.86. 87.56% of the companies listed in the same industry pay a better dividend than NYCB!
  • With a Dividend Yield of 0.38, NYCB pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.38%

5.2 History

  • The dividend of NYCB is nicely growing with an annual growth rate of 23.88%!
  • NYCB has been paying a dividend for at least 10 years, so it has 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
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

  • 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 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 NumberN/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
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 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.


Can you provide the profitability details for NEW YORK COMMUNITY BANCORP?

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


Can you provide the expected EPS growth for NYCB stock?

The Earnings per Share (EPS) of NEW YORK COMMUNITY BANCORP (NYCB) is expected to decline by -225.78% in the next year.