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 -98.80, profit margin of -1.24%, and ROE of -0.69%. The company generates $2.5B 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 6.7/100 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 -98.80 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, NYCB-PA's PEG of -0.28 indicates potential undervaluation.
Price to Book
The market values New York Community Bancorp, Inc. at 0.68 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -180.81 times EBITDA. This is generally considered low.
How Well Does NYCB-PA Make Money?
Net Profit Margin
For every $100 in sales, New York Community Bancorp, Inc. keeps $-1.24 as profit after all expenses.
Operating Margin
Core operations generate -0.99 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $-0.69 in profit for every $100 of shareholder equity.
ROA
New York Community Bancorp, Inc. generates $-0.06 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 $161.35M, signaling weaker underlying cash strength.
Free Cash Flow
New York Community Bancorp, Inc. produces free cash flow of $119.18M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $0.51 in free cash annually.
FCF Yield
NYCB-PA converts 3.84% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
-98.80
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.28
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.68
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.22
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.38
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
-0.01
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 | -98.80 | 18.83 | Better (Cheaper) |
| ROE | -0.69% | 822.00% | Weak |
| Net Margin | -1.24% | 2005.00% | Weak |
| Debt/Equity | 1.38 | 1.01 | Weak (High Leverage) |
| Current Ratio | 0.00 | 673.11 | Weak Liquidity |
| ROA | -0.06% | -23560.00% (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