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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.06
NYCB's Cash to Debt is ranked lower than
53% of the 1748 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.86 vs. NYCB: 0.06 )
NYCB' s 10-Year Cash to Debt Range
Min: 0.01   Max: 2.42
Current: 0.06

0.01
2.42
Equity to Asset 0.12
NYCB's Equity to Asset is ranked higher than
80% of the 2312 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. NYCB: 0.12 )
NYCB' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.18
Current: 0.12

0.06
0.18
Interest Coverage 1.42
NYCB's Interest Coverage is ranked higher than
70% of the 2185 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. NYCB: 1.42 )
NYCB' s 10-Year Interest Coverage Range
Min: 0.06   Max: 1.49
Current: 1.42

0.06
1.49
F-Score: 4
Z-Score: 0.24
WACC vs ROIC
5.57%
3.11%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 56.50
NYCB's Operating margin (%) is ranked higher than
95% of the 2426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.22 vs. NYCB: 56.50 )
NYCB' s 10-Year Operating margin (%) Range
Min: 7.78   Max: 73.39
Current: 56.5

7.78
73.39
Net-margin (%) 35.84
NYCB's Net-margin (%) is ranked higher than
91% of the 2426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.12 vs. NYCB: 35.84 )
NYCB' s 10-Year Net-margin (%) Range
Min: 11.27   Max: 48.25
Current: 35.84

11.27
48.25
ROE (%) 8.48
NYCB's ROE (%) is ranked higher than
73% of the 2426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.98 vs. NYCB: 8.48 )
NYCB' s 10-Year ROE (%) Range
Min: 1.85   Max: 22.13
Current: 8.48

1.85
22.13
ROA (%) 1.01
NYCB's ROA (%) is ranked higher than
80% of the 2433 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. NYCB: 1.01 )
NYCB' s 10-Year ROA (%) Range
Min: 0.25   Max: 2.23
Current: 1.01

0.25
2.23
ROC (Joel Greenblatt) (%) 255.76
NYCB's ROC (Joel Greenblatt) (%) is ranked higher than
90% of the 2392 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 89.92 vs. NYCB: 255.76 )
NYCB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 10.29   Max: 468.18
Current: 255.76

10.29
468.18
Revenue Growth (3Y)(%) -2.60
NYCB's Revenue Growth (3Y)(%) is ranked higher than
62% of the 2094 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. NYCB: -2.60 )
NYCB' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 40.2
Current: -2.6

0
40.2
EBITDA Growth (3Y)(%) 0.60
NYCB's EBITDA Growth (3Y)(%) is ranked higher than
64% of the 1872 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.10 vs. NYCB: 0.60 )
NYCB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 98.5
Current: 0.6

0
98.5
EPS Growth (3Y)(%) -0.30
NYCB's EPS Growth (3Y)(%) is ranked higher than
63% of the 1904 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. NYCB: -0.30 )
NYCB' s 10-Year EPS Growth (3Y)(%) Range
Min: -40.8   Max: 72.8
Current: -0.3

-40.8
72.8
» NYCB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

NYCB Guru Trades in Q2 2014

Jim Simons 980,225 sh (+109.90%)
James Barrow 14,972,291 sh (+6.52%)
Pioneer Investments 1,265,745 sh (+2.49%)
John Buckingham 102,371 sh (+0.02%)
Mario Gabelli 18,887 sh (unchged)
Prem Watsa 40,000 sh (unchged)
Paul Tudor Jones Sold Out
Kahn Brothers 3,725,163 sh (-1.41%)
» More
Q3 2014

NYCB Guru Trades in Q3 2014

Bruce Berkowitz 148,000 sh (New)
John Buckingham 104,844 sh (+2.42%)
James Barrow 15,239,132 sh (+1.78%)
Pioneer Investments 1,273,531 sh (unchged)
Prem Watsa 40,000 sh (unchged)
Jim Simons Sold Out
Mario Gabelli 17,887 sh (-5.29%)
Kahn Brothers 3,524,813 sh (-5.38%)
CI Can Am Small Cap 301,850 sh (-31.86%)
» More
Q4 2014

NYCB Guru Trades in Q4 2014

Jim Simons 934,925 sh (New)
John Buckingham 105,011 sh (+0.16%)
Prem Watsa 40,000 sh (unchged)
Mario Gabelli 17,887 sh (unchged)
Bruce Berkowitz Sold Out
Pioneer Investments 1,231,847 sh (-3.27%)
Kahn Brothers 3,378,882 sh (-4.14%)
James Barrow 12,574,288 sh (-17.49%)
» More
Q1 2015

NYCB Guru Trades in Q1 2015

Jim Simons 1,033,200 sh (+10.51%)
John Buckingham 105,818 sh (+0.77%)
Pioneer Investments 1,238,290 sh (+0.52%)
James Barrow 12,617,775 sh (+0.35%)
Prem Watsa 40,000 sh (unchged)
Mario Gabelli 17,287 sh (-3.35%)
Kahn Brothers 3,239,116 sh (-4.14%)
» More
» Details

Insider Trades

Latest Guru Trades with NYCB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Preferred stocks of New York Community Bancorp Inc

SymbolPriceYieldDescription
NYCBPRU0.011.48

Top Ranked Articles about New York Community Bancorp Inc

Bruce Berkowitz Buys 3 New Stocks in Q3
Bruce Berkowitz (Trades, Portfolio)’s Fairholme Fund (Trades, Portfolio) (FAIRX) gained 8.72% in the first half of 2014, compared to 7.14% for the S&P. He has beat the index 499.01% versus 76.43% since inception in 1999. Read more...
Legendary Investor Irving Kahn's Top Five Stocks
One of America’s oldest and most respected value investors, Irving Kahn (Trades, Portfolio), and his fund Kahn Brothers recently reported their fourth quarter holdings which boasted several hefty reductions and one sell out. Over the past quarter Kahn added one new stock, and the guru now maintains 43 stocks valued at $687 million.
Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 16.00
NYCB's P/E(ttm) is ranked higher than
75% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.40 vs. NYCB: 16.00 )
NYCB' s 10-Year P/E(ttm) Range
Min: 9.78   Max: 156.49
Current: 16

9.78
156.49
Forward P/E 15.72
NYCB's Forward P/E is ranked higher than
74% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. NYCB: 15.72 )
N/A
PE(NRI) 16.00
NYCB's PE(NRI) is ranked higher than
77% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.40 vs. NYCB: 16.00 )
NYCB' s 10-Year PE(NRI) Range
Min: 9.81   Max: 157.69
Current: 16

9.81
157.69
P/B 1.35
NYCB's P/B is ranked higher than
69% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.40 vs. NYCB: 1.35 )
NYCB' s 10-Year P/B Range
Min: 0.65   Max: 1.92
Current: 1.35

0.65
1.92
P/S 5.69
NYCB's P/S is ranked higher than
50% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.73 vs. NYCB: 5.69 )
NYCB' s 10-Year P/S Range
Min: 3.34   Max: 16.57
Current: 5.69

3.34
16.57
PFCF 14.40
NYCB's PFCF is ranked higher than
80% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. NYCB: 14.40 )
NYCB' s 10-Year PFCF Range
Min: 4.74   Max: 104.76
Current: 14.4

4.74
104.76
POCF 12.64
NYCB's POCF is ranked higher than
80% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 194.36 vs. NYCB: 12.64 )
NYCB' s 10-Year POCF Range
Min: 4.46   Max: 95.65
Current: 12.64

4.46
95.65
EV-to-EBIT 21.47
NYCB's EV-to-EBIT is ranked higher than
69% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.17 vs. NYCB: 21.47 )
NYCB' s 10-Year EV-to-EBIT Range
Min: -9.7   Max: 1826.1
Current: 21.47

-9.7
1826.1
Shiller P/E 14.90
NYCB's Shiller P/E is ranked higher than
89% of the 3226 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. NYCB: 14.90 )
NYCB' s 10-Year Shiller P/E Range
Min: 7.4   Max: 22.99
Current: 14.9

7.4
22.99
Days Sales Outstanding 101.19
NYCB's Days Sales Outstanding is ranked higher than
82% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. NYCB: 101.19 )
NYCB' s 10-Year Days Sales Outstanding Range
Min: 108.2   Max: 255.23
Current: 101.19

108.2
255.23

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 5.69
NYCB's Dividend Yield is ranked higher than
90% of the 2288 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.49 vs. NYCB: 5.69 )
NYCB' s 10-Year Dividend Yield Range
Min: 3.71   Max: 12.52
Current: 5.69

3.71
12.52
Dividend Payout 0.91
NYCB's Dividend Payout is ranked higher than
63% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.69 vs. NYCB: 0.91 )
NYCB' s 10-Year Dividend Payout Range
Min: 0.06   Max: 7.88
Current: 0.91

0.06
7.88
Yield on cost (5-Year) 5.70
NYCB's Yield on cost (5-Year) is ranked higher than
80% of the 2296 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.82 vs. NYCB: 5.70 )
NYCB' s 10-Year Yield on cost (5-Year) Range
Min: 3.71   Max: 12.52
Current: 5.7

3.71
12.52
Share Buyback Rate -0.40
NYCB's Share Buyback Rate is ranked higher than
81% of the 1722 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. NYCB: -0.40 )
NYCB' s 10-Year Share Buyback Rate Range
Min: 8.1   Max: -36.1
Current: -0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.49
NYCB's Price/Tangible Book is ranked higher than
59% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.66 vs. NYCB: 2.49 )
NYCB' s 10-Year Price/Tangible Book Range
Min: 0.88   Max: 9.41
Current: 2.49

0.88
9.41
Price/DCF (Projected) 0.76
NYCB's Price/DCF (Projected) is ranked higher than
85% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. NYCB: 0.76 )
NYCB' s 10-Year Price/DCF (Projected) Range
Min: 0.6   Max: 75.23
Current: 0.76

0.6
75.23
Price/Median PS Value 1.07
NYCB's Price/Median PS Value is ranked higher than
80% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. NYCB: 1.07 )
NYCB' s 10-Year Price/Median PS Value Range
Min: 0.64   Max: 3.01
Current: 1.07

0.64
3.01
Price/Graham Number 1.33
NYCB's Price/Graham Number is ranked higher than
66% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. NYCB: 1.33 )
NYCB' s 10-Year Price/Graham Number Range
Min: 0.71   Max: 4.45
Current: 1.33

0.71
4.45
Earnings Yield (Greenblatt) 4.70
NYCB's Earnings Yield (Greenblatt) is ranked higher than
63% of the 2417 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. NYCB: 4.70 )
NYCB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 7.3
Current: 4.7

0.1
7.3
Forward Rate of Return (Yacktman) 6.04
NYCB's Forward Rate of Return (Yacktman) is ranked higher than
64% of the 1444 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.67 vs. NYCB: 6.04 )
NYCB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -16.9   Max: 54.9
Current: 6.04

-16.9
54.9

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » details
Traded in other countries:QC1.Germany,
New York Community Bancorp Inc, formerly Queens County Bancorp, Inc, was established on April 14, 1859. The Company changed its name to New York Community Bancorp, Inc. on November 21, 2000. The Company is multi-bank holding company and has two main subsidiaries: New York Community Bank and New York Commercial Bank. New York Community Bank is a New York State-chartered savings bank with 242 branches that currently operate through seven local divisions. The Company is producer of multi-family loans in New York City, with an emphasis on non-luxury apartment buildings that feature below-market rents. In addition to multi-family loans, which is the principal asset, the Company originates commercial real estate loans and, to a much lesser extent, acquisition, development, and construction loans, and commercial and industrial loans. The Company also originates one-to-four family loans, through its mortgage banking operation. New York Commercial Bank is a New York State-chartered commercial bank with 30 branches in Manhattan, Queens, Brooklyn, Westchester County, and Long Island, including 18 that operate under the name Atlantic Bank. The multi-family loans its originate are typically secured by non-luxury apartment buildings in New York City that are subject to rent regulation and therefore feature below-market rents. The Company's typical loan has a term of ten or twelve years, with a fixed rate of interest in years one through five or seven and a rate that either adjusts annually or is fixed for the five years that follow. Acquisition, Development, and Construction Loans portfolio largely consists of loans that were originated for land acquisition, development, and construction of multi-family and residential tract projects in New York City and Long Island, and, to a lesser extent, for the construction of owner-occupied one-to-four family homes and commercial properties. Commercial and Industrial ('C&I') Loans are generally made to small and mid-size businesses for working capital (including inventory and receivables), business expansion, and the purchase of equipment and machinery. The Company has four main funding sources: the deposits it gathers through the branch network or add through acquisitions, and brokered deposits; wholesale borrowings, mainly in the form of Federal Home Loan Bank ('FHLB') advances and repurchase agreements with the FHLB and various brokerage firms; cash flows produced by the repayment and sale of loans; and cash flows produced by securities repayments and sales. The Company's current market for deposits consists of the 26 counties in the five states that are served by its branch network. The Company competes with commercial banks, savings banks, credit unions, and investment banks, for deposits, and with the same financial institutions and others (including mortgage brokers and insurance companies) for loans. It also competes with companies that solicit loans and deposits over the Internet. The Company is
» More Articles for NYCB

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