Annual Income Statements for New York Community Bancorp
This table shows New York Community Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.
Quarterly Income Statements for New York Community Bancorp
This table shows New York Community Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.
Metric |
|
Q3 2022 |
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Net Income / (Loss) Attributable to Common Shareholders |
|
144 |
163 |
1,998 |
405 |
199 |
-2,714 |
-335 |
-333 |
-289 |
-196 |
Consolidated Net Income / (Loss) |
|
152 |
172 |
2,006 |
413 |
207 |
-2,705 |
-327 |
-323 |
-280 |
-188 |
Net Income / (Loss) Continuing Operations |
|
152 |
172 |
2,006 |
413 |
207 |
-2,705 |
-327 |
-323 |
-280 |
-188 |
Total Pre-Tax Income |
|
205 |
184 |
2,007 |
492 |
268 |
-2,817 |
-381 |
-424 |
-335 |
-238 |
Total Revenue |
|
343 |
577 |
2,653 |
1,202 |
1,042 |
867 |
633 |
671 |
623 |
625 |
Net Interest Income / (Expense) |
|
326 |
379 |
555 |
900 |
882 |
740 |
624 |
557 |
510 |
461 |
Total Interest Income |
|
509 |
681 |
1,034 |
1,498 |
1,512 |
1,447 |
1,513 |
1,548 |
1,534 |
1,358 |
Loans and Leases Interest Income |
|
442 |
589 |
867 |
1,161 |
1,251 |
1,230 |
1,193 |
1,167 |
1,061 |
948 |
Investment Securities Interest Income |
|
67 |
92 |
167 |
337 |
261 |
217 |
320 |
381 |
473 |
410 |
Total Interest Expense |
|
183 |
302 |
479 |
598 |
630 |
707 |
889 |
991 |
1,024 |
897 |
Deposits Interest Expense |
|
110 |
200 |
283 |
441 |
491 |
543 |
570 |
615 |
700 |
691 |
Long-Term Debt Interest Expense |
|
73 |
102 |
196 |
157 |
139 |
164 |
319 |
376 |
324 |
206 |
Total Non-Interest Income |
|
17 |
198 |
2,098 |
302 |
160 |
127 |
9.00 |
114 |
113 |
164 |
Other Service Charges |
|
8.00 |
15 |
27 |
62 |
79 |
71 |
34 |
70 |
72 |
91 |
Net Realized & Unrealized Capital Gains on Investments |
|
-1.00 |
169 |
2,050 |
229 |
70 |
-47 |
-64 |
32 |
31 |
19 |
Other Non-Interest Income |
|
10 |
14 |
21 |
11 |
11 |
103 |
39 |
12 |
10 |
54 |
Provision for Credit Losses |
|
2.00 |
124 |
170 |
49 |
62 |
552 |
315 |
390 |
242 |
145 |
Total Non-Interest Expense |
|
136 |
269 |
476 |
661 |
712 |
3,132 |
699 |
705 |
716 |
718 |
Salaries and Employee Benefits |
|
79 |
116 |
219 |
289 |
346 |
295 |
333 |
312 |
316 |
302 |
Net Occupancy & Equipment Expense |
|
22 |
25 |
37 |
50 |
55 |
58 |
52 |
52 |
59 |
48 |
Other Operating Expenses |
|
31 |
63 |
136 |
161 |
165 |
162 |
236 |
183 |
188 |
202 |
Amortization Expense |
|
0.00 |
5.00 |
17 |
37 |
36 |
36 |
35 |
33 |
37 |
31 |
Restructuring Charge |
|
4.00 |
60 |
67 |
109 |
91 |
63 |
43 |
34 |
18 |
11 |
Income Tax Expense |
|
53 |
12 |
1.00 |
79 |
61 |
-112 |
-54 |
-101 |
-55 |
-50 |
Preferred Stock Dividends Declared |
|
8.00 |
9.00 |
0.00 |
8.00 |
8.00 |
17 |
8.00 |
10 |
9.00 |
8.00 |
Basic Earnings per Share |
|
$0.31 |
$0.24 |
$2.88 |
$1.66 |
$0.82 |
($3.40) |
($0.45) |
($1.14) |
($0.79) |
($0.47) |
Weighted Average Basic Shares Outstanding |
|
466.14M |
682.90M |
722.13M |
722.48M |
722.49M |
797.92M |
820.72M |
351.43M |
415.11M |
414.72M |
Diluted Earnings per Share |
|
$0.30 |
$0.24 |
$2.87 |
$1.66 |
$0.81 |
($3.40) |
($0.45) |
($1.14) |
($0.79) |
($0.47) |
Weighted Average Diluted Shares Outstanding |
|
466.14M |
682.90M |
722.13M |
722.48M |
722.49M |
797.92M |
820.72M |
351.43M |
415.11M |
414.72M |
Basic & Diluted Earnings per Share |
|
- |
$0.24 |
- |
- |
- |
($3.40) |
- |
- |
- |
($0.47) |
Weighted Average Basic & Diluted Shares Outstanding |
|
466.14M |
682.90M |
722.13M |
722.48M |
722.49M |
797.92M |
820.72M |
351.43M |
415.11M |
414.72M |
Cash Dividends to Common per Share |
|
$0.17 |
$0.13 |
$0.17 |
$0.17 |
- |
$0.16 |
$0.05 |
$0.01 |
$0.01 |
$0.03 |
Annual Cash Flow Statements for New York Community Bancorp
This table details how cash moves in and out of New York Community Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.
Metric |
|
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Net Change in Cash & Equivalents |
|
-26 |
20 |
1,970 |
-1,053 |
-733 |
1,206 |
263 |
-129 |
9,527 |
3,950 |
Net Cash From Operating Activities |
|
-420 |
756 |
1,327 |
540 |
510 |
334 |
290 |
1,026 |
263 |
86 |
Net Cash From Continuing Operating Activities |
|
-420 |
756 |
1,326 |
540 |
509 |
333 |
290 |
1,026 |
263 |
86 |
Net Income / (Loss) Continuing Operations |
|
-47 |
495 |
466 |
422 |
395 |
511 |
596 |
650 |
-79 |
-1,118 |
Consolidated Net Income / (Loss) |
|
-47 |
495 |
466 |
422 |
395 |
511 |
596 |
650 |
-79 |
-1,118 |
Provision For Loan Losses |
|
-15 |
4.18 |
37 |
- |
7.00 |
62 |
3.00 |
133 |
833 |
1,092 |
Depreciation Expense |
|
31 |
33 |
33 |
32 |
27 |
24 |
21 |
18 |
39 |
48 |
Amortization Expense |
|
-2.73 |
-24 |
-4.35 |
-3.89 |
8.00 |
11 |
-5.00 |
-32 |
347 |
317 |
Non-Cash Adjustments to Reconcile Net Income |
|
-206 |
-75 |
319 |
113 |
117 |
246 |
17 |
-138 |
67 |
-296 |
Changes in Operating Assets and Liabilities, net |
|
-181 |
322 |
475 |
-23 |
-45 |
-521 |
-342 |
395 |
-944 |
43 |
Net Cash From Investing Activities |
|
-1,397 |
1,218 |
1,062 |
-4,020 |
-2,059 |
-1,025 |
-2,762 |
-6,323 |
20,673 |
15,453 |
Net Cash From Continuing Investing Activities |
|
-1,397 |
1,218 |
1,062 |
-4,020 |
-2,059 |
-1,025 |
-2,762 |
-6,323 |
20,673 |
15,453 |
Purchase of Property, Leasehold Improvements and Equipment |
|
-35 |
-84 |
- |
- |
- |
- |
-4.00 |
-3.00 |
-66 |
-36 |
Purchase of Investment Securities |
|
-5,182 |
-3,848 |
-2,883 |
-5,449 |
-4,495 |
-3,759 |
-2,069 |
-3,243 |
-4,672 |
-3,630 |
Divestitures |
|
- |
- |
- |
- |
- |
0.00 |
0.00 |
331 |
24,901 |
0.00 |
Sale and/or Maturity of Investments |
|
3,820 |
5,150 |
3,945 |
1,429 |
2,436 |
2,734 |
1,869 |
1,611 |
4,841 |
4,347 |
Other Investing Activities, net |
|
- |
- |
- |
- |
- |
- |
-2,558 |
-5,019 |
-4,331 |
14,772 |
Net Cash From Financing Activities |
|
1,791 |
-1,954 |
-418 |
2,427 |
816 |
1,897 |
2,735 |
5,168 |
-11,409 |
-11,589 |
Net Cash From Continuing Financing Activities |
|
1,791 |
-1,954 |
-418 |
2,427 |
816 |
1,897 |
2,735 |
5,168 |
-11,409 |
-11,589 |
Net Change in Deposits |
|
98 |
461 |
214 |
1,662 |
893 |
780 |
2,622 |
7,662 |
-10,738 |
-5,671 |
Issuance of Debt |
|
12,012 |
1,181 |
3,000 |
5,667 |
5,886 |
8,075 |
2,072 |
9,479 |
19,850 |
28,236 |
Issuance of Preferred Equity |
|
- |
- |
503 |
- |
- |
- |
- |
0.00 |
0.00 |
1.00 |
Issuance of Common Equity |
|
630 |
- |
- |
- |
- |
- |
- |
0.00 |
0.00 |
1,004 |
Repayment of Debt |
|
-10,490 |
-3,256 |
-3,760 |
-4,374 |
-5,538 |
-6,550 |
-1,594 |
-11,599 |
-19,990 |
-35,060 |
Repurchase of Common Equity |
|
-7.02 |
- |
- |
-161 |
-67 |
-50 |
0.00 |
-7.00 |
0.00 |
0.00 |
Payment of Dividends |
|
-454 |
-331 |
-357 |
-366 |
-350 |
-349 |
-349 |
-350 |
-519 |
-88 |
Other Financing Activities, Net |
|
2.49 |
-8.68 |
-18 |
-2.48 |
-8.00 |
-9.00 |
-16 |
-17 |
-12 |
-11 |
Cash Interest Paid |
|
541 |
382 |
447 |
646 |
813 |
633 |
402 |
657 |
2,290 |
3,693 |
Cash Income Taxes Paid |
|
188 |
180 |
218 |
44 |
76 |
118 |
471 |
17 |
54 |
33 |
Quarterly Cash Flow Statements for New York Community Bancorp
This table details how cash moves in and out of New York Community Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.
Metric |
|
Q3 2022 |
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Net Change in Cash & Equivalents |
|
-1,577 |
382 |
20,347 |
-6,409 |
-8,891 |
4,480 |
1,419 |
6,028 |
4,095 |
-7,592 |
Net Cash From Operating Activities |
|
232 |
395 |
3,035 |
-4,605 |
1,054 |
779 |
-294 |
796 |
-1,039 |
623 |
Net Cash From Continuing Operating Activities |
|
231 |
396 |
3,035 |
-4,605 |
1,054 |
779 |
-294 |
796 |
-1,039 |
623 |
Net Income / (Loss) Continuing Operations |
|
152 |
172 |
2,006 |
413 |
207 |
-2,705 |
-327 |
-323 |
-280 |
-188 |
Consolidated Net Income / (Loss) |
|
152 |
172 |
2,006 |
413 |
207 |
-2,705 |
-327 |
-323 |
-280 |
-188 |
Provision For Loan Losses |
|
2.00 |
124 |
170 |
49 |
62 |
552 |
315 |
390 |
242 |
145 |
Depreciation Expense |
|
4.00 |
5.00 |
8.00 |
10 |
11 |
10 |
11 |
11 |
12 |
14 |
Amortization Expense |
|
-6.00 |
-24 |
-19 |
-46 |
-66 |
478 |
84 |
78 |
84 |
71 |
Non-Cash Adjustments to Reconcile Net Income |
|
23 |
-160 |
-2,001 |
-209 |
-3.00 |
2,280 |
32 |
-81 |
-64 |
-183 |
Changes in Operating Assets and Liabilities, net |
|
56 |
279 |
2,871 |
-4,822 |
843 |
164 |
-409 |
721 |
-1,033 |
764 |
Net Cash From Investing Activities |
|
-1,672 |
-1,581 |
25,105 |
-965 |
-1,733 |
-1,734 |
1,960 |
-788 |
9,827 |
4,454 |
Net Cash From Continuing Investing Activities |
|
-1,672 |
-1,581 |
25,105 |
-965 |
-1,733 |
-1,734 |
1,960 |
-788 |
9,827 |
4,454 |
Purchase of Property, Leasehold Improvements and Equipment |
|
-2.00 |
-12 |
-11 |
- |
- |
-24 |
-38 |
-22 |
27 |
-3.00 |
Purchase of Investment Securities |
|
-1,980 |
2,395 |
-2,577 |
-1,803 |
1,122 |
-1,414 |
1,176 |
-1,261 |
9,022 |
-12,567 |
Sale and/or Maturity of Investments |
|
310 |
724 |
2,650 |
880 |
-2,866 |
4,177 |
822 |
495 |
778 |
2,252 |
Net Cash From Financing Activities |
|
-137 |
1,568 |
-7,793 |
-839 |
-8,212 |
5,435 |
-247 |
6,020 |
-4,693 |
-12,669 |
Net Cash From Continuing Financing Activities |
|
-137 |
1,568 |
-7,793 |
-839 |
-8,212 |
5,435 |
-247 |
6,020 |
-4,693 |
-12,669 |
Net Change in Deposits |
|
461 |
1,016 |
-7,496 |
3,687 |
-5,832 |
-1,097 |
-6,672 |
4,171 |
3,977 |
-7,147 |
Issuance of Debt |
|
3,975 |
2,549 |
2,400 |
-3,950 |
5,225 |
16,175 |
13,759 |
2,411 |
-3,920 |
15,986 |
Issuance of Common Equity |
|
- |
- |
0.00 |
- |
- |
- |
413 |
333 |
257 |
1.00 |
Repayment of Debt |
|
-4,485 |
-1,904 |
-2,564 |
-443 |
-7,471 |
-9,512 |
-8,291 |
-537 |
-4,737 |
-21,495 |
Payment of Dividends |
|
-88 |
-88 |
-124 |
-131 |
-134 |
-130 |
-43 |
-20 |
-12 |
-13 |
Other Financing Activities, Net |
|
- |
-5.00 |
0.00 |
-11 |
- |
-1.00 |
-8.00 |
-1.00 |
-1.00 |
-1.00 |
Cash Interest Paid |
|
170 |
258 |
489 |
554 |
613 |
634 |
777 |
880 |
1,065 |
971 |
Cash Income Taxes Paid |
|
5.00 |
4.00 |
13 |
4.00 |
15 |
22 |
9.00 |
19 |
3.00 |
2.00 |
Annual Balance Sheets for New York Community Bancorp
This table presents New York Community Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.
Metric |
|
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Total Assets |
|
50,318 |
48,927 |
49,124 |
51,899 |
53,641 |
56,306 |
59,527 |
90,144 |
114,057 |
100,160 |
Cash and Due from Banks |
|
538 |
558 |
2,528 |
1,475 |
742 |
1,948 |
2,211 |
2,032 |
11,475 |
15,430 |
Trading Account Securities |
|
6,174 |
3,817 |
3,531 |
5,644 |
5,886 |
5,845 |
5,780 |
9,074 |
14 |
14 |
Loans and Leases, Net of Allowance |
|
38,012 |
39,308 |
38,265 |
40,006 |
41,747 |
42,807 |
45,539 |
68,608 |
83,627 |
67,071 |
Loans and Leases |
|
38,191 |
39,490 |
38,423 |
40,166 |
41,894 |
43,001 |
45,738 |
69,001 |
84,619 |
68,272 |
Allowance for Loan and Lease Losses |
|
179 |
182 |
158 |
160 |
148 |
194 |
199 |
393 |
992 |
1,201 |
Loans Held for Sale |
|
- |
- |
- |
- |
- |
- |
- |
1,115 |
1,182 |
899 |
Premises and Equipment, Net |
|
322 |
374 |
369 |
346 |
313 |
287 |
270 |
491 |
652 |
562 |
Intangible Assets |
|
2.60 |
0.21 |
- |
- |
- |
- |
- |
287 |
625 |
488 |
Other Assets |
|
2,833 |
2,434 |
1,995 |
1,992 |
2,528 |
2,993 |
3,285 |
6,111 |
7,337 |
5,294 |
Total Liabilities & Shareholders' Equity |
|
50,318 |
48,927 |
49,124 |
51,899 |
53,641 |
56,306 |
59,527 |
90,144 |
114,057 |
100,160 |
Total Liabilities |
|
44,383 |
42,803 |
42,329 |
45,244 |
46,929 |
49,464 |
25,659 |
81,320 |
105,690 |
91,992 |
Non-Interest Bearing Deposits |
|
2,504 |
2,635 |
2,312 |
2,397 |
2,432 |
3,080 |
- |
12,055 |
20,499 |
13,484 |
Interest Bearing Deposits |
|
25,923 |
26,253 |
26,790 |
28,368 |
29,225 |
29,357 |
8,892 |
46,666 |
61,027 |
62,386 |
Long-Term Debt |
|
13,464 |
11,665 |
12,105 |
13,348 |
13,758 |
15,284 |
15,105 |
21,332 |
21,267 |
14,426 |
Other Long-Term Liabilities |
|
567 |
600 |
672 |
631 |
714 |
943 |
862 |
1,267 |
2,897 |
1,696 |
Redeemable Noncontrolling Interest |
|
- |
- |
- |
- |
- |
- |
- |
- |
0.00 |
1.00 |
Total Equity & Noncontrolling Interests |
|
5,935 |
6,124 |
6,795 |
6,655 |
6,712 |
6,842 |
7,044 |
8,824 |
8,367 |
8,167 |
Total Preferred & Common Equity |
|
5,935 |
6,124 |
6,795 |
6,655 |
6,712 |
6,842 |
7,044 |
8,824 |
8,367 |
8,167 |
Preferred Stock |
|
0.00 |
- |
503 |
503 |
503 |
503 |
503 |
503 |
503 |
503 |
Total Common Equity |
|
5,935 |
6,124 |
6,293 |
6,152 |
6,209 |
6,339 |
6,541 |
8,321 |
7,864 |
7,664 |
Common Stock |
|
6,029 |
6,052 |
6,077 |
6,105 |
6,120 |
6,128 |
6,131 |
8,137 |
8,238 |
9,286 |
Retained Earnings |
|
-37 |
128 |
238 |
297 |
342 |
494 |
741 |
1,041 |
443 |
-763 |
Treasury Stock |
|
-0.45 |
-0.16 |
-7.62 |
-162 |
-221 |
-258 |
-246 |
-237 |
-218 |
-219 |
Accumulated Other Comprehensive Income / (Loss) |
|
-57 |
-57 |
-15 |
-88 |
-34 |
8.00 |
-85 |
-672 |
-599 |
-640 |
Quarterly Balance Sheets for New York Community Bancorp
This table presents New York Community Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.
Metric |
|
Q3 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Total Assets |
|
62,956 |
123,706 |
118,796 |
111,230 |
112,900 |
119,055 |
114,367 |
Cash and Due from Banks |
|
1,700 |
22,250 |
15,806 |
6,929 |
12,890 |
18,990 |
23,080 |
Trading Account Securities |
|
6,703 |
7,613 |
7,796 |
8,723 |
9,336 |
10,549 |
10,525 |
Loans and Leases, Net of Allowance |
|
48,766 |
81,997 |
82,684 |
83,376 |
81,112 |
73,284 |
69,852 |
Loans and Leases |
|
48,984 |
82,547 |
83,278 |
83,995 |
82,327 |
74,552 |
71,116 |
Allowance for Loan and Lease Losses |
|
218 |
550 |
594 |
619 |
1,215 |
1,268 |
1,264 |
Loans Held for Sale |
|
- |
1,305 |
2,194 |
1,926 |
981 |
7,845 |
1,851 |
Premises and Equipment, Net |
|
250 |
628 |
660 |
638 |
679 |
691 |
649 |
Intangible Assets |
|
- |
734 |
697 |
661 |
590 |
557 |
519 |
Other Assets |
|
3,111 |
14,366 |
6,533 |
6,551 |
7,312 |
7,139 |
7,891 |
Total Liabilities & Shareholders' Equity |
|
62,956 |
123,706 |
118,796 |
111,230 |
112,900 |
119,055 |
114,367 |
Total Liabilities |
|
56,210 |
146,657 |
107,736 |
100,237 |
103,915 |
110,400 |
105,795 |
Non-Interest Bearing Deposits |
|
3,839 |
107,797 |
29,752 |
24,863 |
17,752 |
17,874 |
18,572 |
Interest Bearing Deposits |
|
37,866 |
10,302 |
58,745 |
57,812 |
57,106 |
61,158 |
64,441 |
Short-Term Debt |
|
300 |
- |
- |
- |
1,958 |
121 |
60 |
Long-Term Debt |
|
13,498 |
21,794 |
16,412 |
14,038 |
24,769 |
28,771 |
20,273 |
Other Long-Term Liabilities |
|
707 |
6,764 |
2,827 |
2,977 |
2,330 |
2,476 |
2,449 |
Redeemable Noncontrolling Interest |
|
- |
- |
- |
- |
595 |
258 |
1.00 |
Total Equity & Noncontrolling Interests |
|
6,746 |
10,782 |
11,060 |
10,993 |
8,390 |
8,397 |
8,571 |
Total Preferred & Common Equity |
|
6,746 |
10,782 |
11,060 |
10,993 |
8,390 |
8,397 |
8,571 |
Preferred Stock |
|
503 |
503 |
503 |
503 |
503 |
503 |
503 |
Total Common Equity |
|
6,243 |
10,279 |
10,557 |
10,490 |
7,887 |
7,894 |
8,068 |
Common Stock |
|
6,126 |
8,204 |
8,211 |
8,224 |
8,656 |
9,001 |
9,270 |
Retained Earnings |
|
957 |
2,923 |
3,205 |
3,278 |
73 |
-270 |
-562 |
Treasury Stock |
|
-238 |
-219 |
-217 |
-217 |
-225 |
-223 |
-219 |
Accumulated Other Comprehensive Income / (Loss) |
|
-642 |
-629 |
-642 |
-795 |
-617 |
-702 |
-495 |
Other Equity Adjustments |
|
40 |
- |
- |
- |
- |
88 |
74 |
Annual Metrics And Ratios for New York Community Bancorp
This table displays calculated financial ratios and metrics derived from New York Community Bancorp's official financial filings.
Metric |
|
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
-53.89% |
131.56% |
-6.01% |
-16.66% |
-7.27% |
11.53% |
16.28% |
21.70% |
250.82% |
-55.73% |
EBITDA Growth |
|
-112.89% |
861.40% |
-11.37% |
-15.87% |
-4.79% |
11.65% |
31.94% |
-1.22% |
-58.62% |
-401.49% |
EBIT Growth |
|
-117.08% |
688.68% |
-14.01% |
-16.54% |
-6.22% |
12.43% |
37.07% |
2.48% |
-106.05% |
-2,656.00% |
NOPAT Growth |
|
-119.04% |
636.10% |
-5.89% |
-9.39% |
-4.83% |
27.11% |
16.63% |
9.06% |
-105.38% |
-2,656.00% |
Net Income Growth |
|
-109.71% |
1,150.56% |
-5.89% |
-9.39% |
-6.49% |
29.37% |
16.63% |
9.06% |
-112.15% |
-1,315.19% |
EPS Growth |
|
-110.09% |
1,018.18% |
-10.89% |
-12.22% |
-2.53% |
32.47% |
17.65% |
9.06% |
-112.15% |
-612.24% |
Operating Cash Flow Growth |
|
-158.20% |
279.74% |
75.57% |
-59.27% |
-5.62% |
-34.51% |
-13.17% |
253.79% |
-74.37% |
-67.30% |
Free Cash Flow Firm Growth |
|
-207.37% |
231.51% |
-80.77% |
-280.65% |
50.27% |
-215.02% |
-2,191.24% |
177.20% |
-97.60% |
1,147.52% |
Invested Capital Growth |
|
7.78% |
-7.70% |
0.32% |
5.96% |
3.73% |
7.79% |
117.10% |
-39.41% |
-1.73% |
-23.76% |
Revenue Q/Q Growth |
|
-54.60% |
106.21% |
-3.69% |
-2.26% |
-1.05% |
5.77% |
1.15% |
17.02% |
5.30% |
-8.66% |
EBITDA Q/Q Growth |
|
-113.10% |
1,053.87% |
-4.08% |
-1.86% |
0.39% |
7.25% |
2.27% |
-4.47% |
-88.13% |
68.23% |
EBIT Q/Q Growth |
|
-117.39% |
960.86% |
-4.14% |
-2.16% |
-0.15% |
8.67% |
2.58% |
-1.78% |
-101.69% |
65.18% |
NOPAT Q/Q Growth |
|
-118.90% |
883.97% |
5.14% |
-7.61% |
1.62% |
18.99% |
-6.24% |
3.50% |
-101.25% |
65.18% |
Net Income Q/Q Growth |
|
-109.65% |
2,240.98% |
5.14% |
-7.61% |
-0.15% |
20.96% |
-6.24% |
3.50% |
-102.82% |
69.24% |
EPS Q/Q Growth |
|
-110.00% |
876.92% |
4.65% |
-8.14% |
1.32% |
21.43% |
-7.69% |
3.50% |
-102.82% |
60.52% |
Operating Cash Flow Q/Q Growth |
|
-183.73% |
353.45% |
-20.78% |
133.20% |
-22.66% |
-18.94% |
72.62% |
21.28% |
317.36% |
-64.46% |
Free Cash Flow Firm Q/Q Growth |
|
-589.39% |
162.22% |
-52.53% |
30.59% |
-151.29% |
43.48% |
-4,121.88% |
715.57% |
128.83% |
191.44% |
Invested Capital Q/Q Growth |
|
4.29% |
0.60% |
3.12% |
1.13% |
6.55% |
2.27% |
122.19% |
46.79% |
18.39% |
-21.83% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
-16.68% |
54.86% |
51.72% |
52.21% |
53.60% |
53.66% |
60.89% |
49.42% |
5.83% |
-39.69% |
EBIT Margin |
|
-21.33% |
54.23% |
49.61% |
49.68% |
50.24% |
50.65% |
59.70% |
50.27% |
-0.87% |
-54.00% |
Profit (Net Income) Margin |
|
-7.62% |
34.57% |
34.61% |
37.63% |
37.94% |
44.01% |
44.15% |
39.56% |
-1.37% |
-43.81% |
Tax Burden Percent |
|
35.72% |
63.75% |
69.77% |
75.75% |
75.53% |
86.90% |
73.95% |
78.69% |
158.00% |
81.13% |
Interest Burden Percent |
|
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
Effective Tax Rate |
|
0.00% |
36.25% |
30.23% |
24.25% |
23.14% |
13.10% |
26.05% |
21.31% |
0.00% |
0.00% |
Return on Invested Capital (ROIC) |
|
-0.46% |
2.47% |
2.41% |
2.12% |
1.92% |
2.31% |
1.64% |
1.63% |
-0.12% |
-3.69% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
-0.14% |
2.47% |
2.41% |
2.12% |
1.88% |
2.31% |
1.64% |
1.63% |
-0.32% |
-4.55% |
Return on Net Nonoperating Assets (RNNOA) |
|
-0.35% |
5.75% |
4.80% |
4.16% |
3.99% |
5.23% |
6.94% |
6.57% |
-0.80% |
-9.83% |
Return on Equity (ROE) |
|
-0.80% |
8.22% |
7.22% |
6.28% |
5.91% |
7.54% |
8.58% |
8.19% |
-0.92% |
-13.52% |
Cash Return on Invested Capital (CROIC) |
|
-7.95% |
10.48% |
2.10% |
-3.67% |
-1.74% |
-5.18% |
-72.22% |
50.71% |
1.63% |
23.26% |
Operating Return on Assets (OROA) |
|
-0.27% |
1.57% |
1.36% |
1.10% |
0.99% |
1.07% |
1.39% |
1.10% |
-0.05% |
-1.29% |
Return on Assets (ROA) |
|
-0.10% |
1.00% |
0.95% |
0.84% |
0.75% |
0.93% |
1.03% |
0.87% |
-0.08% |
-1.04% |
Return on Common Equity (ROCE) |
|
-0.80% |
8.22% |
6.94% |
5.81% |
5.47% |
6.98% |
7.96% |
7.67% |
-0.87% |
-12.70% |
Return on Equity Simple (ROE_SIMPLE) |
|
-0.79% |
8.09% |
6.86% |
6.35% |
5.89% |
7.47% |
8.46% |
7.37% |
-0.94% |
-13.69% |
Net Operating Profit after Tax (NOPAT) |
|
-92 |
495 |
466 |
422 |
402 |
511 |
596 |
650 |
-35 |
-965 |
NOPAT Margin |
|
-14.93% |
34.57% |
34.61% |
37.63% |
38.62% |
44.01% |
44.15% |
39.56% |
-0.61% |
-37.80% |
Net Nonoperating Expense Percent (NNEP) |
|
-0.32% |
0.00% |
0.00% |
0.00% |
0.05% |
0.00% |
0.00% |
0.00% |
0.21% |
0.86% |
SG&A Expenses to Revenue |
|
71.92% |
31.44% |
34.35% |
37.20% |
37.56% |
33.33% |
28.96% |
27.15% |
23.40% |
57.76% |
Operating Expenses to Revenue |
|
123.76% |
45.48% |
47.62% |
48.70% |
49.09% |
44.01% |
40.07% |
41.63% |
86.42% |
111.21% |
Earnings before Interest and Taxes (EBIT) |
|
-132 |
777 |
668 |
558 |
523 |
588 |
806 |
826 |
-50 |
-1,378 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
-103 |
786 |
697 |
586 |
558 |
623 |
822 |
812 |
336 |
-1,013 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
0.83 |
0.83 |
0.69 |
0.55 |
0.70 |
0.64 |
0.76 |
1.36 |
2.78 |
0.51 |
Price to Tangible Book Value (P/TBV) |
|
1.41 |
1.37 |
1.13 |
0.90 |
1.15 |
1.04 |
1.21 |
2.01 |
3.02 |
0.54 |
Price to Revenue (P/Rev) |
|
7.96 |
3.53 |
3.24 |
3.00 |
4.17 |
3.49 |
3.70 |
6.88 |
3.79 |
1.52 |
Price to Earnings (P/E) |
|
0.00 |
10.20 |
9.89 |
8.63 |
11.99 |
8.49 |
8.86 |
18.31 |
0.00 |
0.00 |
Dividend Yield |
|
9.85% |
6.56% |
7.61% |
9.92% |
7.32% |
7.78% |
6.34% |
8.42% |
6.75% |
2.14% |
Earnings Yield |
|
0.00% |
9.80% |
10.11% |
11.59% |
8.34% |
11.78% |
11.29% |
5.46% |
0.00% |
0.00% |
Enterprise Value to Invested Capital (EV/IC) |
|
0.93 |
0.92 |
0.77 |
0.79 |
0.88 |
0.82 |
0.39 |
1.03 |
1.08 |
0.15 |
Enterprise Value to Revenue (EV/Rev) |
|
31.27 |
12.32 |
11.06 |
14.47 |
17.92 |
16.10 |
14.21 |
18.93 |
5.57 |
1.32 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
0.00 |
22.47 |
21.39 |
27.71 |
33.44 |
30.01 |
23.34 |
38.30 |
95.63 |
0.00 |
Enterprise Value to EBIT (EV/EBIT) |
|
0.00 |
22.72 |
22.30 |
29.12 |
35.67 |
31.80 |
23.80 |
37.65 |
0.00 |
0.00 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
0.00 |
35.65 |
31.96 |
38.44 |
46.41 |
36.59 |
32.19 |
47.85 |
0.00 |
0.00 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
0.00 |
23.37 |
11.23 |
30.05 |
36.58 |
55.98 |
66.16 |
30.31 |
122.18 |
39.22 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
0.00 |
8.39 |
36.80 |
0.00 |
0.00 |
0.00 |
0.00 |
1.53 |
65.98 |
0.56 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
2.52 |
2.15 |
1.85 |
2.08 |
2.17 |
2.35 |
2.26 |
2.42 |
2.54 |
1.77 |
Long-Term Debt to Equity |
|
2.27 |
1.90 |
1.78 |
2.01 |
2.05 |
2.23 |
2.14 |
2.42 |
2.54 |
1.77 |
Financial Leverage |
|
2.44 |
2.33 |
1.99 |
1.96 |
2.13 |
2.26 |
4.24 |
4.04 |
2.48 |
2.16 |
Leverage Ratio |
|
8.44 |
8.23 |
7.59 |
7.51 |
7.90 |
8.11 |
8.34 |
9.43 |
11.88 |
12.96 |
Compound Leverage Factor |
|
8.44 |
8.23 |
7.59 |
7.51 |
7.90 |
8.11 |
8.34 |
9.43 |
11.88 |
12.96 |
Debt to Total Capital |
|
71.60% |
68.25% |
64.88% |
67.54% |
68.44% |
70.16% |
69.31% |
70.74% |
71.77% |
63.85% |
Short-Term Debt to Total Capital |
|
7.18% |
7.78% |
2.33% |
2.44% |
3.76% |
3.49% |
3.49% |
0.00% |
0.00% |
0.00% |
Long-Term Debt to Total Capital |
|
64.42% |
60.47% |
62.56% |
65.10% |
64.68% |
66.67% |
65.82% |
70.74% |
71.77% |
63.85% |
Preferred Equity to Total Capital |
|
0.00% |
0.00% |
2.60% |
2.45% |
2.36% |
2.19% |
2.19% |
1.67% |
1.70% |
2.23% |
Noncontrolling Interests to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Common Equity to Total Capital |
|
28.40% |
31.75% |
32.52% |
30.01% |
29.19% |
27.65% |
28.50% |
27.59% |
26.54% |
33.92% |
Debt to EBITDA |
|
-144.94 |
16.75 |
18.02 |
23.63 |
26.09 |
25.82 |
19.35 |
26.27 |
63.29 |
-14.24 |
Net Debt to EBITDA |
|
-139.73 |
16.04 |
14.39 |
21.11 |
24.76 |
22.69 |
16.66 |
23.77 |
29.14 |
0.99 |
Long-Term Debt to EBITDA |
|
-130.41 |
14.84 |
17.37 |
22.77 |
24.66 |
24.53 |
18.38 |
26.27 |
63.29 |
-14.24 |
Debt to NOPAT |
|
-161.93 |
26.57 |
26.93 |
32.78 |
36.21 |
31.48 |
26.69 |
32.82 |
-607.63 |
-14.96 |
Net Debt to NOPAT |
|
-156.11 |
25.45 |
21.51 |
29.29 |
34.37 |
27.66 |
22.98 |
29.69 |
-279.77 |
1.04 |
Long-Term Debt to NOPAT |
|
-145.70 |
23.55 |
25.96 |
31.60 |
34.22 |
29.91 |
25.34 |
32.82 |
-607.63 |
-14.96 |
Noncontrolling Interest Sharing Ratio |
|
0.00% |
0.00% |
3.89% |
7.48% |
7.52% |
7.42% |
7.24% |
6.34% |
5.85% |
6.09% |
Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Free Cash Flow to Firm (FCFF) |
|
-1,601 |
2,105 |
405 |
-731 |
-364 |
-1,146 |
-26,251 |
20,267 |
487 |
6,075 |
Operating Cash Flow to CapEx |
|
-1,208.05% |
897.67% |
0.00% |
0.00% |
0.00% |
0.00% |
7,250.00% |
34,200.00% |
398.48% |
238.89% |
Free Cash Flow to Firm to Interest Expense |
|
-1.25 |
5.43 |
0.90 |
-1.11 |
-0.43 |
-1.88 |
-65.63 |
29.12 |
0.20 |
1.60 |
Operating Cash Flow to Interest Expense |
|
-0.33 |
1.95 |
2.93 |
0.82 |
0.60 |
0.55 |
0.73 |
1.47 |
0.11 |
0.02 |
Operating Cash Flow Less CapEx to Interest Expense |
|
-0.35 |
1.73 |
2.93 |
0.82 |
0.60 |
0.55 |
0.72 |
1.47 |
0.08 |
0.01 |
Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Asset Turnover |
|
0.01 |
0.03 |
0.03 |
0.02 |
0.02 |
0.02 |
0.02 |
0.02 |
0.06 |
0.02 |
Fixed Asset Turnover |
|
1.93 |
4.12 |
3.63 |
3.14 |
3.16 |
3.87 |
4.85 |
4.32 |
10.09 |
4.20 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
20,898 |
19,288 |
19,350 |
20,504 |
21,269 |
22,926 |
49,773 |
30,156 |
29,634 |
22,594 |
Invested Capital Turnover |
|
0.03 |
0.07 |
0.07 |
0.06 |
0.05 |
0.05 |
0.04 |
0.04 |
0.19 |
0.10 |
Increase / (Decrease) in Invested Capital |
|
1,509 |
-1,610 |
61 |
1,154 |
766 |
1,657 |
26,847 |
-19,617 |
-522 |
-7,040 |
Enterprise Value (EV) |
|
19,351 |
17,659 |
14,898 |
16,239 |
18,658 |
18,696 |
19,185 |
31,102 |
32,132 |
3,373 |
Market Capitalization |
|
4,925 |
5,053 |
4,369 |
3,363 |
4,339 |
4,057 |
4,988 |
11,299 |
21,837 |
3,873 |
Book Value per Share |
|
$12.24 |
$12.57 |
$12.87 |
$12.55 |
$13.29 |
$13.66 |
$14.07 |
$17.85 |
$10.88 |
$18.46 |
Tangible Book Value per Share |
|
$7.21 |
$7.57 |
$7.89 |
$7.58 |
$8.09 |
$8.43 |
$8.85 |
$12.03 |
$10.02 |
$17.29 |
Total Capital |
|
20,898 |
19,288 |
19,350 |
20,504 |
21,269 |
22,926 |
22,949 |
30,156 |
29,634 |
22,594 |
Total Debt |
|
14,964 |
13,165 |
12,555 |
13,848 |
14,558 |
16,084 |
15,905 |
21,332 |
21,267 |
14,426 |
Total Long-Term Debt |
|
13,464 |
11,665 |
12,105 |
13,348 |
13,758 |
15,284 |
15,105 |
21,332 |
21,267 |
14,426 |
Net Debt |
|
14,426 |
12,607 |
10,026 |
12,373 |
13,816 |
14,136 |
13,694 |
19,300 |
9,792 |
-1,004 |
Capital Expenditures (CapEx) |
|
35 |
84 |
0.00 |
0.00 |
0.00 |
0.00 |
4.00 |
3.00 |
66 |
36 |
Net Nonoperating Expense (NNE) |
|
-45 |
0.00 |
0.00 |
0.00 |
7.00 |
0.00 |
0.00 |
0.00 |
44 |
153 |
Net Nonoperating Obligations (NNO) |
|
14,964 |
13,165 |
12,555 |
13,848 |
14,558 |
16,084 |
42,729 |
21,332 |
21,267 |
14,426 |
Total Depreciation and Amortization (D&A) |
|
29 |
8.94 |
28 |
28 |
35 |
35 |
16 |
-14 |
386 |
365 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
($0.33) |
$3.03 |
$2.70 |
$2.37 |
$2.31 |
$3.06 |
$3.60 |
$1.26 |
$0.00 |
($3.49) |
Adjusted Weighted Average Basic Shares Outstanding |
|
162.12M |
162.82M |
163.40M |
155.78M |
155.77M |
155.23M |
155.66M |
682.90M |
0.00 |
414.72M |
Adjusted Diluted Earnings per Share |
|
($0.33) |
$3.03 |
$2.70 |
$2.37 |
$2.31 |
$3.06 |
$3.60 |
$1.26 |
$0.00 |
($3.49) |
Adjusted Weighted Average Diluted Shares Outstanding |
|
162.12M |
162.82M |
163.40M |
155.78M |
155.77M |
155.23M |
155.66M |
682.90M |
0.00 |
414.72M |
Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$2.31 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
162.12M |
162.82M |
163.40M |
155.78M |
155.77M |
155.23M |
155.66M |
682.90M |
0.00 |
414.72M |
Normalized Net Operating Profit after Tax (NOPAT) |
|
-90 |
503 |
466 |
422 |
402 |
511 |
613 |
709 |
1,894 |
-890 |
Normalized NOPAT Margin |
|
-14.51% |
35.07% |
34.61% |
37.63% |
38.62% |
44.01% |
45.41% |
43.15% |
32.86% |
-34.89% |
Pre Tax Income Margin |
|
-21.33% |
54.23% |
49.61% |
49.68% |
50.24% |
50.65% |
59.70% |
50.27% |
-0.87% |
-54.00% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
-0.10 |
2.01 |
1.48 |
0.85 |
0.62 |
0.97 |
2.02 |
1.19 |
-0.02 |
-0.36 |
NOPAT to Interest Expense |
|
-0.07 |
1.28 |
1.03 |
0.64 |
0.47 |
0.84 |
1.49 |
0.93 |
-0.01 |
-0.25 |
EBIT Less CapEx to Interest Expense |
|
-0.13 |
1.79 |
1.48 |
0.85 |
0.62 |
0.97 |
2.01 |
1.18 |
-0.05 |
-0.37 |
NOPAT Less CapEx to Interest Expense |
|
-0.10 |
1.06 |
1.03 |
0.64 |
0.47 |
0.84 |
1.48 |
0.93 |
-0.04 |
-0.26 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
-962.72% |
66.78% |
76.53% |
86.62% |
88.61% |
68.30% |
58.56% |
53.85% |
-656.96% |
-7.87% |
Augmented Payout Ratio |
|
-977.61% |
66.78% |
76.53% |
124.68% |
105.57% |
78.08% |
58.56% |
54.92% |
-656.96% |
-7.87% |
Quarterly Metrics And Ratios for New York Community Bancorp
This table displays calculated financial ratios and metrics derived from New York Community Bancorp's official financial filings.
Metric |
|
Q3 2022 |
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
3.00% |
70.71% |
666.76% |
218.83% |
203.79% |
50.26% |
-76.14% |
-44.18% |
-40.21% |
-27.91% |
EBITDA Growth |
|
0.00% |
-18.72% |
845.97% |
95.71% |
4.93% |
-1,511.52% |
-114.33% |
-173.46% |
-212.21% |
93.43% |
EBIT Growth |
|
3.02% |
-7.54% |
869.57% |
113.91% |
30.73% |
-1,630.98% |
-118.98% |
-186.18% |
-225.00% |
91.55% |
NOPAT Growth |
|
2.01% |
14.67% |
1,194.19% |
141.52% |
36.18% |
-1,246.45% |
-113.30% |
-171.86% |
-213.29% |
91.55% |
Net Income Growth |
|
2.01% |
14.67% |
1,194.19% |
141.52% |
36.18% |
-1,672.67% |
-116.30% |
-178.21% |
-235.27% |
93.05% |
EPS Growth |
|
0.00% |
14.67% |
825.81% |
141.52% |
36.18% |
-1,672.67% |
-115.68% |
-178.21% |
-197.53% |
86.18% |
Operating Cash Flow Growth |
|
280.33% |
83.72% |
1,540.54% |
-2,251.87% |
354.31% |
97.22% |
-109.69% |
117.29% |
-198.58% |
-20.03% |
Free Cash Flow Firm Growth |
|
1,110.00% |
174.12% |
5,373.40% |
-518.94% |
-313.04% |
-107.33% |
-246.15% |
-74.96% |
4.01% |
574.06% |
Invested Capital Growth |
|
-8.29% |
-39.41% |
-105.20% |
30.01% |
21.84% |
-1.73% |
3,186.60% |
36.67% |
15.48% |
-23.76% |
Revenue Q/Q Growth |
|
-9.02% |
68.22% |
359.79% |
-54.69% |
-13.31% |
-16.79% |
-26.99% |
6.00% |
-7.15% |
0.32% |
EBITDA Q/Q Growth |
|
-12.88% |
-18.72% |
1,109.70% |
-77.15% |
-53.29% |
-1,193.43% |
87.72% |
-17.13% |
28.66% |
35.98% |
EBIT Q/Q Growth |
|
-10.87% |
-10.24% |
990.76% |
-75.49% |
-45.53% |
-1,151.12% |
86.48% |
-11.29% |
20.99% |
28.96% |
NOPAT Q/Q Growth |
|
-11.11% |
13.16% |
1,066.28% |
-79.41% |
-49.88% |
-1,052.61% |
86.48% |
-11.29% |
20.99% |
28.96% |
Net Income Q/Q Growth |
|
-11.11% |
13.16% |
1,066.28% |
-79.41% |
-49.88% |
-1,406.76% |
87.91% |
1.22% |
13.31% |
32.86% |
EPS Q/Q Growth |
|
-11.76% |
13.16% |
1,095.83% |
-79.41% |
-49.88% |
-1,406.76% |
86.76% |
1.22% |
30.70% |
40.51% |
Operating Cash Flow Q/Q Growth |
|
8.41% |
70.26% |
668.35% |
-251.73% |
122.89% |
-26.09% |
-137.74% |
370.75% |
-230.53% |
159.96% |
Free Cash Flow Firm Q/Q Growth |
|
41.98% |
885.02% |
28.40% |
-123.33% |
27.80% |
66.12% |
-2,461.26% |
72.07% |
60.39% |
267.30% |
Invested Capital Q/Q Growth |
|
-2.78% |
46.79% |
-103.84% |
2,474.42% |
-8.89% |
18.39% |
20.51% |
5.14% |
-23.02% |
-21.83% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
59.18% |
28.60% |
75.24% |
37.94% |
20.44% |
-268.63% |
-45.18% |
-49.93% |
-38.36% |
-24.48% |
EBIT Margin |
|
59.77% |
31.89% |
75.65% |
40.93% |
25.72% |
-324.91% |
-60.19% |
-63.19% |
-53.77% |
-38.08% |
Profit (Net Income) Margin |
|
44.31% |
29.81% |
75.61% |
34.36% |
19.87% |
-312.00% |
-51.66% |
-48.14% |
-44.94% |
-30.08% |
Tax Burden Percent |
|
74.15% |
93.48% |
99.95% |
83.94% |
77.24% |
96.02% |
85.83% |
76.18% |
83.58% |
78.99% |
Interest Burden Percent |
|
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
Effective Tax Rate |
|
25.85% |
6.52% |
0.05% |
16.06% |
22.76% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Return on Invested Capital (ROIC) |
|
2.90% |
1.23% |
28.32% |
6.75% |
4.77% |
-43.85% |
-9.13% |
-4.37% |
-3.90% |
-2.61% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
2.90% |
1.23% |
28.32% |
6.75% |
4.77% |
-47.29% |
-9.95% |
-4.49% |
-4.16% |
-2.72% |
Return on Net Nonoperating Assets (RNNOA) |
|
6.18% |
4.95% |
5.44% |
11.60% |
7.49% |
-117.19% |
-7.44% |
-10.31% |
-7.32% |
-5.88% |
Return on Equity (ROE) |
|
9.07% |
6.17% |
33.77% |
18.35% |
12.26% |
-161.05% |
-16.57% |
-14.68% |
-11.22% |
-8.49% |
Cash Return on Invested Capital (CROIC) |
|
11.57% |
50.71% |
0.00% |
-14.81% |
-7.41% |
1.63% |
-108.02% |
-38.21% |
-24.64% |
23.26% |
Operating Return on Assets (OROA) |
|
1.39% |
0.70% |
3.24% |
2.15% |
1.62% |
-18.34% |
-1.90% |
-1.71% |
-1.33% |
-0.91% |
Return on Assets (ROA) |
|
1.03% |
0.65% |
3.23% |
1.80% |
1.25% |
-17.61% |
-1.63% |
-1.30% |
-1.11% |
-0.72% |
Return on Common Equity (ROCE) |
|
8.41% |
5.78% |
31.85% |
17.32% |
11.57% |
-151.62% |
-15.23% |
-13.74% |
-10.64% |
-7.97% |
Return on Equity Simple (ROE_SIMPLE) |
|
9.31% |
0.00% |
23.20% |
24.80% |
25.45% |
0.00% |
-28.75% |
-37.49% |
-42.41% |
0.00% |
Net Operating Profit after Tax (NOPAT) |
|
152 |
172 |
2,006 |
413 |
207 |
-1,972 |
-267 |
-297 |
-235 |
-167 |
NOPAT Margin |
|
44.31% |
29.81% |
75.61% |
34.36% |
19.87% |
-227.44% |
-42.13% |
-44.23% |
-37.64% |
-26.66% |
Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
3.44% |
0.82% |
0.12% |
0.26% |
0.12% |
SG&A Expenses to Revenue |
|
29.45% |
24.44% |
9.65% |
28.20% |
38.48% |
40.72% |
60.82% |
54.25% |
60.19% |
56.00% |
Operating Expenses to Revenue |
|
39.65% |
46.62% |
17.94% |
54.99% |
68.33% |
361.25% |
110.43% |
105.07% |
114.93% |
114.88% |
Earnings before Interest and Taxes (EBIT) |
|
205 |
184 |
2,007 |
492 |
268 |
-2,817 |
-381 |
-424 |
-335 |
-238 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
203 |
165 |
1,996 |
456 |
213 |
-2,329 |
-286 |
-335 |
-239 |
-153 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
0.59 |
1.36 |
0.57 |
0.75 |
2.31 |
2.78 |
0.32 |
0.33 |
0.49 |
0.51 |
Price to Tangible Book Value (P/TBV) |
|
0.96 |
2.01 |
0.83 |
1.06 |
3.27 |
3.02 |
0.35 |
0.36 |
0.52 |
0.54 |
Price to Revenue (P/Rev) |
|
2.61 |
6.88 |
1.50 |
1.66 |
4.43 |
3.79 |
0.68 |
0.82 |
1.41 |
1.52 |
Price to Earnings (P/E) |
|
6.16 |
18.31 |
2.39 |
2.92 |
8.76 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Dividend Yield |
|
8.63% |
8.42% |
7.86% |
6.21% |
6.08% |
6.75% |
12.15% |
7.14% |
1.69% |
2.14% |
Earnings Yield |
|
16.23% |
5.46% |
41.78% |
34.27% |
11.41% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Enterprise Value to Invested Capital (EV/IC) |
|
0.79 |
1.03 |
0.00 |
0.33 |
1.27 |
1.08 |
0.49 |
0.35 |
0.06 |
0.15 |
Enterprise Value to Revenue (EV/Rev) |
|
11.59 |
18.93 |
1.51 |
1.89 |
5.82 |
5.57 |
4.67 |
4.14 |
0.61 |
1.32 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
19.14 |
38.30 |
2.29 |
3.20 |
11.25 |
95.63 |
0.00 |
0.00 |
0.00 |
0.00 |
Enterprise Value to EBIT (EV/EBIT) |
|
19.35 |
37.65 |
2.27 |
3.12 |
10.79 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
25.91 |
47.85 |
2.38 |
3.29 |
11.38 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
19.23 |
30.31 |
1.54 |
0.00 |
0.00 |
122.18 |
0.00 |
5.70 |
7.04 |
39.22 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
6.55 |
1.53 |
0.23 |
0.00 |
0.00 |
65.98 |
0.00 |
0.00 |
0.00 |
0.56 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
2.05 |
2.42 |
2.02 |
1.48 |
1.28 |
2.54 |
2.97 |
3.34 |
2.37 |
1.77 |
Long-Term Debt to Equity |
|
2.00 |
2.42 |
2.02 |
1.48 |
1.28 |
2.54 |
2.76 |
3.32 |
2.37 |
1.77 |
Financial Leverage |
|
2.13 |
4.04 |
0.19 |
1.72 |
1.57 |
2.48 |
0.75 |
2.30 |
1.76 |
2.16 |
Leverage Ratio |
|
8.81 |
9.43 |
10.44 |
10.17 |
9.82 |
11.88 |
11.97 |
12.06 |
11.53 |
12.96 |
Compound Leverage Factor |
|
8.81 |
9.43 |
10.44 |
10.17 |
9.82 |
11.88 |
11.97 |
12.06 |
11.53 |
12.96 |
Debt to Total Capital |
|
67.16% |
70.74% |
66.90% |
59.74% |
56.08% |
71.77% |
74.84% |
76.95% |
70.34% |
63.85% |
Short-Term Debt to Total Capital |
|
1.46% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
5.48% |
0.32% |
0.21% |
0.00% |
Long-Term Debt to Total Capital |
|
65.70% |
70.74% |
66.90% |
59.74% |
56.08% |
71.77% |
69.36% |
76.63% |
70.14% |
63.85% |
Preferred Equity to Total Capital |
|
2.45% |
1.67% |
1.54% |
1.83% |
2.01% |
1.70% |
1.41% |
1.34% |
1.74% |
2.23% |
Noncontrolling Interests to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
1.67% |
0.69% |
0.00% |
0.00% |
Common Equity to Total Capital |
|
30.39% |
27.59% |
31.55% |
38.43% |
41.91% |
26.54% |
22.09% |
21.02% |
27.91% |
33.92% |
Debt to EBITDA |
|
16.23 |
26.27 |
8.39 |
5.82 |
4.96 |
63.29 |
-13.73 |
-10.56 |
-6.38 |
-14.24 |
Net Debt to EBITDA |
|
14.23 |
23.77 |
-0.18 |
0.21 |
2.51 |
29.14 |
-7.11 |
-3.62 |
0.86 |
0.99 |
Long-Term Debt to EBITDA |
|
15.88 |
26.27 |
8.39 |
5.82 |
4.96 |
63.29 |
-12.73 |
-10.51 |
-6.36 |
-14.24 |
Debt to NOPAT |
|
21.97 |
32.82 |
8.71 |
5.98 |
5.02 |
-607.63 |
-15.66 |
-12.31 |
-7.34 |
-14.96 |
Net Debt to NOPAT |
|
19.26 |
29.69 |
-0.18 |
0.22 |
2.54 |
-279.77 |
-8.11 |
-4.22 |
0.99 |
1.04 |
Long-Term Debt to NOPAT |
|
21.49 |
32.82 |
8.71 |
5.98 |
5.02 |
-607.63 |
-14.51 |
-12.25 |
-7.32 |
-14.96 |
Noncontrolling Interest Sharing Ratio |
|
7.34% |
6.34% |
5.69% |
5.63% |
5.67% |
5.85% |
8.10% |
6.41% |
5.15% |
6.09% |
Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Free Cash Flow to Firm (FCFF) |
|
2,009 |
19,789 |
25,409 |
-5,928 |
-4,280 |
-1,450 |
-37,136 |
-10,372 |
-4,109 |
6,873 |
Operating Cash Flow to CapEx |
|
11,600.00% |
3,291.67% |
27,590.91% |
0.00% |
0.00% |
3,245.83% |
-773.68% |
3,618.18% |
0.00% |
20,766.67% |
Free Cash Flow to Firm to Interest Expense |
|
10.98 |
65.53 |
53.05 |
-9.91 |
-6.79 |
-2.05 |
-41.77 |
-10.47 |
-4.01 |
7.66 |
Operating Cash Flow to Interest Expense |
|
1.27 |
1.31 |
6.34 |
-7.70 |
1.67 |
1.10 |
-0.33 |
0.80 |
-1.01 |
0.69 |
Operating Cash Flow Less CapEx to Interest Expense |
|
1.26 |
1.27 |
6.31 |
-7.70 |
1.67 |
1.07 |
-0.37 |
0.78 |
-0.99 |
0.69 |
Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Asset Turnover |
|
0.02 |
0.02 |
0.04 |
0.05 |
0.06 |
0.06 |
0.03 |
0.03 |
0.02 |
0.02 |
Fixed Asset Turnover |
|
5.36 |
4.32 |
8.84 |
10.47 |
12.33 |
10.09 |
5.73 |
4.76 |
4.34 |
4.20 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
20,544 |
30,156 |
-1,157 |
27,472 |
25,031 |
29,634 |
35,712 |
37,547 |
28,905 |
22,594 |
Invested Capital Turnover |
|
0.07 |
0.04 |
0.37 |
0.20 |
0.24 |
0.19 |
0.22 |
0.10 |
0.10 |
0.10 |
Increase / (Decrease) in Invested Capital |
|
-1,857 |
-19,617 |
-23,403 |
6,341 |
4,487 |
-522 |
36,869 |
10,075 |
3,874 |
-7,040 |
Enterprise Value (EV) |
|
16,272 |
31,102 |
5,954 |
9,017 |
31,840 |
32,132 |
17,496 |
13,306 |
1,704 |
3,373 |
Market Capitalization |
|
3,671 |
11,299 |
5,907 |
7,908 |
24,228 |
21,837 |
2,561 |
2,643 |
3,947 |
3,873 |
Book Value per Share |
|
$13.39 |
$17.85 |
$15.05 |
$14.62 |
$14.52 |
$10.88 |
$9.88 |
$9.62 |
$22.96 |
$18.46 |
Tangible Book Value per Share |
|
$8.19 |
$12.03 |
$10.42 |
$10.29 |
$10.25 |
$10.02 |
$9.15 |
$8.94 |
$21.48 |
$17.29 |
Total Capital |
|
20,544 |
30,156 |
32,576 |
27,472 |
25,031 |
29,634 |
35,712 |
37,547 |
28,905 |
22,594 |
Total Debt |
|
13,798 |
21,332 |
21,794 |
16,412 |
14,038 |
21,267 |
26,727 |
28,892 |
20,333 |
14,426 |
Total Long-Term Debt |
|
13,498 |
21,332 |
21,794 |
16,412 |
14,038 |
21,267 |
24,769 |
28,771 |
20,273 |
14,426 |
Net Debt |
|
12,098 |
19,300 |
-456 |
606 |
7,109 |
9,792 |
13,837 |
9,902 |
-2,747 |
-1,004 |
Capital Expenditures (CapEx) |
|
2.00 |
12 |
11 |
0.00 |
0.00 |
24 |
38 |
22 |
-27 |
3.00 |
Net Nonoperating Expense (NNE) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
733 |
60 |
26 |
46 |
21 |
Net Nonoperating Obligations (NNO) |
|
13,798 |
21,332 |
-11,939 |
16,412 |
14,038 |
21,267 |
26,727 |
28,892 |
20,333 |
14,426 |
Total Depreciation and Amortization (D&A) |
|
-2.00 |
-19 |
-11 |
-36 |
-55 |
488 |
95 |
89 |
96 |
85 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
$0.93 |
$0.24 |
$8.64 |
$1.65 |
$0.27 |
($3.40) |
($1.35) |
($1.14) |
($0.79) |
($0.47) |
Adjusted Weighted Average Basic Shares Outstanding |
|
155.38M |
682.90M |
240.71M |
240.83M |
722.49M |
797.92M |
273.57M |
351.43M |
415.11M |
414.72M |
Adjusted Diluted Earnings per Share |
|
$0.90 |
$0.24 |
$8.61 |
$1.65 |
$0.27 |
($3.40) |
($1.35) |
($1.14) |
($0.79) |
($0.47) |
Adjusted Weighted Average Diluted Shares Outstanding |
|
155.38M |
682.90M |
240.71M |
240.83M |
722.49M |
797.92M |
273.57M |
351.43M |
415.11M |
414.72M |
Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.24 |
$0.00 |
$0.00 |
$0.00 |
($3.40) |
$0.00 |
$0.00 |
$0.00 |
($0.47) |
Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
155.38M |
682.90M |
240.71M |
240.83M |
722.49M |
797.92M |
273.57M |
351.43M |
415.11M |
414.72M |
Normalized Net Operating Profit after Tax (NOPAT) |
|
155 |
228 |
2,073 |
504 |
277 |
-1,928 |
-237 |
-273 |
-222 |
-159 |
Normalized NOPAT Margin |
|
45.18% |
39.53% |
78.14% |
41.97% |
26.61% |
-222.35% |
-37.38% |
-40.69% |
-35.62% |
-25.42% |
Pre Tax Income Margin |
|
59.77% |
31.89% |
75.65% |
40.93% |
25.72% |
-324.91% |
-60.19% |
-63.19% |
-53.77% |
-38.08% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
1.12 |
0.61 |
4.19 |
0.82 |
0.43 |
-3.98 |
-0.43 |
-0.43 |
-0.33 |
-0.27 |
NOPAT to Interest Expense |
|
0.83 |
0.57 |
4.19 |
0.69 |
0.33 |
-2.79 |
-0.30 |
-0.30 |
-0.23 |
-0.19 |
EBIT Less CapEx to Interest Expense |
|
1.11 |
0.57 |
4.17 |
0.82 |
0.43 |
-4.02 |
-0.47 |
-0.45 |
-0.30 |
-0.27 |
NOPAT Less CapEx to Interest Expense |
|
0.82 |
0.53 |
4.16 |
0.69 |
0.33 |
-2.82 |
-0.34 |
-0.32 |
-0.20 |
-0.19 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
55.57% |
53.85% |
15.47% |
15.71% |
17.05% |
-656.96% |
-18.16% |
-10.39% |
-5.64% |
-7.87% |
Augmented Payout Ratio |
|
56.69% |
54.92% |
16.11% |
15.71% |
17.05% |
-656.96% |
-17.79% |
-10.39% |
-5.64% |
-7.87% |
Key Financial Trends
FLAGSTAR FINANCIAL, INC. (ticker: FLG) has exhibited notable fluctuations in financial performance and position over the past two years through Q4 2024 across income, cash flow, and balance sheet metrics.
Positive developments include:
- Growing loan and lease interest income from $442 million in Q3 2022 to $948 million in Q4 2024, indicating loan book expansion.
- Improvement in net interest income despite some volatility, with $461 million in Q4 2024 compared to $326 million in Q3 2022, showing effective interest margin management.
- Consistent non-interest income contributions, roughly $113 million to $164 million in recent quarters, supporting revenue diversification.
- Substantial net cash from operating activities in recent quarters, such as $623 million in Q4 2024, supporting liquidity generation from core operations.
- Increase in cash and equivalents from $1.7 billion in Q3 2022 to over $23 billion by Q3 2024, signaling strong liquidity.
- Growth in total assets from about $63 billion in Q3 2022 to approximately $114 billion in Q3 2024, indicating company scale expansion.
- Total common equity increased to roughly $8.07 billion by Q3 2024 from $6.24 billion in Q3 2022, reflecting strengthening capital base.
Neutral observations:
- The company maintains a stable deposit base, but there has been volatility in non-interest bearing deposits, affecting funding composition.
- Loan loss provisions and credit loss expense fluctuate materially quarter-to-quarter, reflective of changing credit environment and risk management.
- Amortization and restructuring charges remain steady, indicating ongoing investments and restructuring activities which may normalize over time.
Negative factors and risks to note:
- FLAGSTAR has endured consistent net losses in 2023 and 2024, with net loss attributable to common shareholders widening from $271 million in Q4 2023 to $196 million in Q4 2024.
- Pre-tax income swung significantly negative, including a large pre-tax loss of over $2.8 billion in Q4 2023 impacting shareholder returns and equity.
- Cash flow from operating activities was negative in several quarters of 2023 and early 2024, signaling operational challenges.
- Long-term debt levels rose markedly, reaching above $20 billion as of Q3 2024, raising potential concerns over leverage and interest expense, which totaled around $206 million in Q4 2024.
- The allowance for loan and lease losses has increased to $1.26 billion by Q3 2024, reflecting heightened credit risk and potential future charge-offs.
- Shares outstanding have roughly doubled from 466 million in Q3 2022 to over 800 million by Q1 2024, diluting existing shareholders’ equity and earnings per share.
- The company continues to pay dividends albeit modestly, in quarters with net losses; this could pressure retained earnings further.
In summary, FLAGSTAR FINANCIAL has grown its balance sheet and loan portfolio substantially with improving net interest income and liquidity. However, profitability remains under pressure with ongoing net losses, elevated credit costs, and heavier reliance on debt financing. Investors should watch for credit environment trends, expense control, and improvements in loan loss provisions that may impact future earnings recovery. The dilution of shareholder equity via share issuances and sustained negative earnings per share are key risks amid this turnaround phase.
09/17/25 04:21 PM ETAI Generated. May Contain Errors.