Company Overview: New York Community Bancorp, Inc. (NYSE: NYCB) is the holding company of New York Community Bank holding company, a New York-based state-chartered savings bank that operates 236 branches. Out of which 19 operate directly under Community Bank, the remaining 217 operate through eight divisional banks. It provides loan and deposit products and other related financial services to individuals and businesses.
NYCB Details
Key Takeaways from FY21 (ended December 31, 2021)
Revenue & Net Income Key Highlights; Analysis by Kalkine Group
Balance Sheet & Liquidity Position
Recent Developments
Key Metrics: In FY21, NYCB's Net Interest Margin and Loan Growth were 2.47% and 6.7%, higher than previous FY of 2.24% and 2.3%, respectively. Nonperforming Loans stood at 0.28%, 10 bps less than the FY21. Deposit growth was 8.1% as of FY21, higher than 2.5% on December 31, 2020.
Growth Metrics; Analysis by Kalkine Group
Top 10 Shareholders: The top 10 shareholders together form around 33.61% of the total shareholding, while the top 4 constitute the maximum holding. BlackRock Institutional Trust Company, N.A. and The Vanguard Group, Inc. hold the maximum stake in the company at 9.90% and 9.29%, respectively, as also highlighted in the chart below:
Top 10 Shareholders; Analysis by Kalkine Group
Risk Analysis
Valuation Methodology: Price/Earnings Per Share Relative Valuation (Illustrative)
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