New York Community Bancorp, Inc.
New York Community Bancorp, Inc. Fundamental Analysis
New York Community Bancorp, Inc. (NYCB-PA) shows weak financial fundamentals with a PE ratio of -28.68, profit margin of -3.73%, and ROE of -2.18%. The company generates $2.7B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 2.4/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze NYCB-PA's fundamental strength across five key dimensions:
Efficiency Score
WeakNYCB-PA struggles to generate sufficient returns from assets.
Valuation Score
ExcellentNYCB-PA trades at attractive valuation levels.
Growth Score
ModerateNYCB-PA shows steady but slowing expansion.
Financial Health Score
WeakNYCB-PA carries high financial risk with limited liquidity.
Profitability Score
WeakNYCB-PA struggles to sustain strong margins.
Key Financial Metrics
Is NYCB-PA Expensive or Cheap?
P/E Ratio
NYCB-PA trades at -28.68 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, NYCB-PA's PEG of -0.53 indicates potential undervaluation.
Price to Book
The market values New York Community Bancorp, Inc. at 0.62 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 77.08 times EBITDA. This signals the market has high growth expectations.
How Well Does NYCB-PA Make Money?
Net Profit Margin
For every $100 in sales, New York Community Bancorp, Inc. keeps $-3.73 as profit after all expenses.
Operating Margin
Core operations generate -4.18 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $-2.18 in profit for every $100 of shareholder equity.
ROA
New York Community Bancorp, Inc. generates $-0.20 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
New York Community Bancorp, Inc. generates limited operating cash flow of $-95.66M, signaling weaker underlying cash strength.
Free Cash Flow
New York Community Bancorp, Inc. generates weak or negative free cash flow of $-133.36M, restricting financial flexibility.
FCF Per Share
Each share generates $-0.57 in free cash annually.
FCF Yield
NYCB-PA converts -4.68% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
-28.68
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.53
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.62
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.07
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.50
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.54
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
-0.02
vs 25 benchmark
ROA
Return on assets percentage
-0.00
vs 25 benchmark
ROCE
Return on capital employed
-0.00
vs 25 benchmark
How NYCB-PA Stacks Against Its Sector Peers
| Metric | NYCB-PA Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | -28.68 | 18.62 | Better (Cheaper) |
| ROE | -2.18% | 816.00% | Weak |
| Net Margin | -3.73% | 2239.00% | Weak |
| Debt/Equity | 1.50 | 0.97 | Weak (High Leverage) |
| Current Ratio | 0.54 | 692.23 | Weak Liquidity |
| ROA | -0.20% | -24827.00% (disorted) | Weak |
NYCB-PA outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews New York Community Bancorp, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical