New York Community Bancorp, Inc. (NYCB) | Investment Case

1. Company Snapshot

1.a. Company Description

New York Community Bancorp, Inc.operates as the bank holding company for New York Community Bank that provides banking products and services in Metro New York, New Jersey, Ohio, Florida, and Arizona.The company accepts various deposit products, such as interest-bearing checking and money market, savings, non-interest-bearing, and individual retirement accounts, as well as certificates of deposit.

Its loan products include multi-family loans; commercial real estate loans; specialty finance loans and leases; and commercial and industrial loans; acquisition, development, and construction loans; one-to-four family loans; and consumer loans.The company also offers annuities, life and long-term care insurance products, and mutual funds; cash management products; and online, mobile, and phone banking services.It primarily serves individuals, small and mid-size businesses, and professional associations through a network of 237 branches and 333 ATM locations.

The company was formerly known as Queens County Bancorp, Inc.and changed its name to New York Community Bancorp, Inc.in November 2000.

New York Community Bancorp, Inc.was founded in 1859 and is based in Hicksville, New York.

Show Full description

1.b. Last Insights on NYCB

Breaking News: New York Community Bancorp, Inc. recently reported its Q1 2025 earnings with net income of $143 million, a 4% increase from the same period last year. The company's net interest income rose 6% to $444 million, driven by a 10 basis point increase in net interest margin. Non-interest income decreased 2% to $83 million due to lower mortgage banking revenue. The company's loan portfolio grew 5% to $24 billion, with a 10% increase in commercial loans.

1.c. Company Highlights

Last Price	10.55
Change Percentage	-8.26%
Open	10.82
Previous Close	11.5
Market Cap ( Millions)	4381
Volume	18509817
Year High	34.47
Year Low	5.1
M A 50	11.13
M A 200	10.58

FCF Yield	11.34%
Dividend Yield	0.31%
ROE	-4.85%
Debt / Equity	162.58%
Net Debt / EBIDTA	-1369.68%
Price To Book	0.65
Price Earnings Ratio	-13.38
Price To FCF	8.81
Price To sales	1.21
EV / EBITDA	-29.09

2. Transcript Summary

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3. NewsRoom

Primary win by pro-rent freeze Mamdani knocks shares of Flagstar bank on NYC market exposure

Jun -25

Source: cnbc.com

INVESTOR ALERT: Class Action Lawsuit Filed Against Flagstar Financial Inc. Pastore, LLC Encourages Shareholder to Contact the Firm

Jun -12

Source: globenewswire.com

Flagstar stock rallies as bank shores up its credit quality and draws an upgrade

Jan -31

Source: marketwatch.com

Flagstar Financial, Formerly NYCB, Looks Like An Interesting Deep Value Play

Jan -21

Source: seekingalpha.com

Flagstar (NYCB): Solvency Assured, Still Valued As If It's An Issue

Dec -10

Source: seekingalpha.com

New York Community Q3 Loss Wider Than Expected, Provisions Jump Y/Y

Oct -28

Source: zacks.com

Why New York Community Bancorp Stock Dove by 8% Today

Oct -25

Source:

NEW YORK COMMUNITY BANCORP, INC. DECLARES QUARTERLY CASH DIVIDENDS ON ITS COMMON STOCK AND PREFERRED STOCKS

Oct -25

Source: prnewswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (18.20%)

6. Segments

Banking and Related Activities

Expected Growth: 8.0%

The growth in this segment is expected due to the increasing demand for digital banking services, and the company's efforts to expand its commercial lending business, which will drive revenue growth.

7. Detailed Products

Consumer Banking

Provides personal banking services, including checking and savings accounts, credit cards, personal loans, and mortgages.

Commercial Banking

Offers financial solutions for businesses, including cash management, commercial loans, and treasury management services.

Mortgage Banking

Provides mortgage lending services, including residential and commercial mortgage loans, refinancing, and construction loans.

Specialty Finance

Offers financing solutions for specific industries, such as healthcare, technology, and renewable energy.

Treasury Management

Provides cash management and treasury services, including account management, payment processing, and risk management.

Wealth Management

Offers investment and wealth management services, including brokerage, trust, and estate planning.

8. New York Community Bancorp, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

New York Community Bancorp, Inc. operates in a highly competitive industry, with many established players offering similar services. However, the company's strong brand recognition and extensive branch network help to mitigate the threat of substitutes.

Bargaining Power Of Customers

New York Community Bancorp, Inc.'s customers have some bargaining power due to the availability of alternative banking services. However, the company's strong relationships with its customers and its ability to offer personalized services help to reduce this power.

Bargaining Power Of Suppliers

New York Community Bancorp, Inc. has a diverse supplier base, which reduces the bargaining power of individual suppliers. The company's strong financial position and long-term relationships with its suppliers also help to mitigate this power.

Threat Of New Entrants

The banking industry is heavily regulated, and new entrants face significant barriers to entry. New York Community Bancorp, Inc.'s established brand and extensive branch network also make it difficult for new entrants to gain traction.

Intensity Of Rivalry

The banking industry is highly competitive, with many established players competing for market share. New York Community Bancorp, Inc. faces intense competition from larger banks and fintech companies, which puts pressure on its pricing and profitability.

9. SWOT Analysis

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

	Value
Debt Weight	72.61%
Debt Cost	8.67%
Equity Weight	27.39%
Equity Cost	8.67%
WACC	8.67%
Leverage	265.14%

11. Quality Control: New York Community Bancorp, Inc. passed 2 out of 9 key points

Strong Liquidity

Low Deb

Strong Interest Coverage

Healthy Cash Flow

Operating Efficiency

Strong Return On Equity

Consistent Revenue Growth

Consistent Operating Cash Flow Growth

Margin Improvement

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Third Federal

A-Score: 5.7/10

Value: 1.5

Growth: 4.8

Quality: 3.4

Yield: 10.0

Momentum: 5.0

Volatility: 9.7

1-Year Total Return ->

Community Bank System

A-Score: 5.7/10

Value: 4.9

Growth: 5.0

Quality: 6.5

Yield: 6.0

Momentum: 4.0

Volatility: 7.7

1-Year Total Return ->

Glacier Bancorp

A-Score: 5.5/10

Value: 4.3

Growth: 3.9

Quality: 7.4

Yield: 6.0

Momentum: 5.0

Volatility: 6.3

1-Year Total Return ->

First Financial Bankshares

A-Score: 5.4/10

Value: 3.9

Growth: 5.8

Quality: 8.1

Yield: 4.0

Momentum: 3.0

Volatility: 7.7

1-Year Total Return ->

ServisFirst Bank

A-Score: 5.2/10

Value: 4.2

Growth: 7.1

Quality: 6.4

Yield: 3.0

Momentum: 4.0

Volatility: 6.3

1-Year Total Return ->

New York Community Bancorp

A-Score: 5.1/10

Value: 9.2

Growth: 2.9

Quality: 5.4

Yield: 4.0

Momentum: 5.0

Volatility: 4.0

1-Year Total Return ->

Peers Metrics

12.e Scoring ^Insights

12.f DCF ^BETA

Parameters

Short Term Growth

14.63%

Short term Time

10.0

Long-Term Growth

2.00%

WACC

8.67%

New York Community Bancorp, Inc. - US6494451031

1. Company Snapshot

1.a. Company Description

1.b. Last Insights on NYCB

1.c. Company Highlights

Weak Momentum

More Volatile

Higher Yield

Earnings Miss

Revenues Beats

Lower Quality

Cheaper

Lower Yield

Lower Growth

2. Transcript Summary

3. NewsRoom

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (18.20%)

6. Segments

Banking and Related Activities

Expected Growth: 8.0%

7. Detailed Products

Consumer Banking

Commercial Banking

Mortgage Banking

Specialty Finance

Treasury Management

Wealth Management

8. New York Community Bancorp, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

Bargaining Power Of Customers

Bargaining Power Of Suppliers

Threat Of New Entrants

Intensity Of Rivalry

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

11. Quality Control: New York Community Bancorp, Inc. passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

10.55$

Current Price

10.55$

Potential

-0.00%

Expected Cash-Flows

12.e Scoring ^Insights

12.f DCF ^BETA