New York Community Bancorp (New York Community Bancorp) Cash-to-Debt

: 0.54 (As of Dec. 2023)

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Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. New York Community Bancorp's cash to debt ratio for the quarter that ended in Dec. 2023 was 0.54.

If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, New York Community Bancorp couldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2023.

The historical rank and industry rank for New York Community Bancorp's Cash-to-Debt or its related term are showing as below:

NYCB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.04 Med: 0.09 Max: 0.54
Current: 0.54

During the past 13 years, New York Community Bancorp's highest Cash to Debt Ratio was 0.54. The lowest was 0.04. And the median was 0.09.

NYCB's Cash-to-Debt is ranked worse than
70.7% of 1447 companies
in the Banks industry
Industry Median: 1.23 vs NYCB: 0.54

New York Community Bancorp Cash-to-Debt Historical Data

The historical data trend for New York Community Bancorp's Cash-to-Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

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New York Community Bancorp Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Cash-to-Debt

0.05

0.13

0.14

0.06

0.54

New York Community Bancorp Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Cash-to-Debt																0.06	1.04	0.96	0.49	0.54

Competitive Comparison

For the Banks - Regional subindustry, New York Community Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

New York Community Bancorp Cash-to-Debt Distribution

For the Banks industry and Financial Services sector, New York Community Bancorp's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where New York Community Bancorp's Cash-to-Debt falls into.

New York Community Bancorp Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

New York Community Bancorp's Cash to Debt Ratio for the fiscal year that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	11475	/	(7350	+	13917)
	=	0.54

New York Community Bancorp's Cash to Debt Ratio for the quarter that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	11475	/	(7350	+	13917)
	=	0.54

New York Community Bancorp (NYSE:NYCB) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

New York Community Bancorp Cash-to-Debt Related Terms

Thank you for viewing the detailed overview of New York Community Bancorp's Cash-to-Debt provided by GuruFocus.com. Please click on the following links to see related term pages.

New York Community Bancorp (New York Community Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » New York Community Bancorp Inc (NYSE:NYCB) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

NYCBpA.PFD:USA QC1:Germany QC1:Germany

Address

102 Duffy Avenue, Hicksville, New York, NY, USA, 11801

Website

https://www.mynycb.com

New York Community Bancorp Inc is the bank holding company. It is a New York State-chartered savings bank that operates through eight local divisions: Queens County Savings Bank, Roslyn Savings Bank, Richmond County Savings Bank, Roosevelt Savings Bank, and Atlantic Bank in New York; Garden State Community Bank in New Jersey; Ohio Savings Bank in Ohio, and AmTrust Bank in Florida and Arizona. The bank compete for depositors in diverse markets with a comprehensive menu of products and services, and access to multiple service channels, including online banking, mobile banking, and banking by phone. It is also a producer of multi-family loans in New York City.

Executives

Eric Howell	officer: SEVP/Pres Comm & Private Bking	102 DUFFY AVENUE, HICKSVILLE NY 11801
Julie Signorille	officer: SEVP & COO	102 DUFFY AVENUE, HICKSVILLE NY 11801
Nicholas Christopher Munson	officer: EVP & Chief Risk Officer	C/O NEW YORK COMMUNITY BANCORP, INC., 102 DUFFY AVENUE, HICKSVILLE NY 11801
Bryan Marx	officer: EVP & Princ Accounting Officer	5151 CORPORATE DRIVE, TROY MI 48098
Lee Matthew Smith	officer: SEVP & President of Mortgage	C/O FLAGSTAR BANCORP INC., 5151 CORPORATE DRIVE, TROY MI 48098
John Thomas Adams	officer: SEVP Dir. Multi-Family Lending	C/O NEW YORK COMMUNITY BANCORP, INC., 102 DUFFY AVENUE, HICKSVILLE NY 11801
Reginald E Davis	officer: Sr EVP & President of Banking	5151 CORPORATE DRIVE, TROY MI 48098
Ronald A. Rosenfeld	director	NEW YORK COMMUNITY BANCORP INC, 102 DUFFY AVENUE, HICKSVILLE NY 11801
Marshall Lux	director	5 BREWSTER STREET #2105, GLEN COVE NY 11542
Jennifer R Whip	director	621 PUGH ROAD, WAYNE PA 19087
Alessandro Dinello	director, other: Non-Executive Chairman	5300 DEER RIDGE ROAD, JACKSON MI 49201
Peter Schoels	director	GLOBAL AERO LOGISTICS INC., 101 WORLD DRIVE, PEACHTREE CITY GA 30269
Toan Huynh	director	5151 CORPORATE DRIVE, TROY MI 48098
David L Treadwell	director	222 S 15TH STREET, SUITE 600 N, OMAHA NE 68102
Hanif Dahya	director	NEW YORK COOMUNITY BANCORP INC, 102 DUFFY AVENUE, HICKSVILLE NY 11801