New York Community Bancorp, Inc. (NYCB) Stock Analysis
DELISTED 2024
What happened to New York Community Bancorp, Inc. (NYCB) stock?
New York Community Bancorp, Inc. (NYCB) no longer trades on public markets. It was delisted in November 2024. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
New York Community Bancorp, Inc. (NYCB) trades at $10.55. New York Community Bancorp, Inc. is a regional bank holding company providing a range of banking products and services. Market cap: $4.38B, Sector: Financial services.
Last analyzed: Mar 16, 2026Analyst Coverage for NYCB: NYCB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates NYCB against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
NYCB: 1/2 scored disciplines lean bearish. Dominant signal: Seth Klarman bullish.
How is this calculated? →New York Community Bancorp, Inc. (NYCB) Financial Services Profile
New York Community Bancorp, Inc. (NYCB) is a regional bank focusing on multi-family and commercial real estate lending, serving individuals and businesses across Metro New York and several other states. With a history dating back to 1859, NYCB operates through a network of branches and ATMs, offering traditional banking services.
What Is the Investment Thesis for NYCB?
New York Community Bancorp, Inc. presents a mixed investment thesis. The company's established presence in the multi-family and commercial real estate lending markets provides a stable revenue stream. However, the current P/E ratio of -28.66 and a negative profit margin of -3.7% raise concerns about near-term profitability. The dividend yield of 0.33% offers a modest income component. Growth catalysts include potential expansion into new markets and increased adoption of digital banking services. Potential risks include exposure to interest rate fluctuations and regulatory changes impacting the banking sector. Investors should closely monitor NYCB's ability to improve profitability and manage credit risk in a changing economic environment.
Based on FMP financials and quantitative analysis
NYCB Key Highlights
Market capitalization of $4.38B indicates a mid-sized regional bank.
- Negative P/E ratio of -28.66 suggests current earnings challenges.
- Gross margin of 38.2% reflects the bank's ability to generate revenue from its assets.
- Dividend yield of 0.33% provides a modest return to shareholders.
- 8,766 employees support a network of 237 branches and 333 ATMs.
Who Are NYCB's Competitors?
NYCB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AUB Atlantic Union Bankshares Corporation | $41.02 | -0.82% | $5.82B | 82 |
| BXS BancorpSouth Bank | $28.76 | -1.07% | $5.25B | 52 |
| CS Credit Suisse Group AG | $0.89 | +0.99% | $3.50B | 48 |
| FCBP First Choice Bancorp | $29.10 | +0.83% | $3.50B | 52 |
| FNB F.N.B. Corporation | $18.53 | -0.22% | $6.60B | 89 |
| FBP First BanCorp. | $28.41 | -0.19% | $4.34B | 97 |
| UCB United Community Banks, Inc. | $35.63 | -0.34% | $4.27B | 96 |
| CATY Cathay General Bancorp | $62.43 | -0.13% | $4.19B | 97 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are NYCB's Key Strengths?
Strong presence in the multi-family lending market.
- Established branch network in key geographic areas.
- Experienced management team.
- Diverse range of banking products and services.
What Are NYCB's Weaknesses?
Negative profit margin.
- High exposure to commercial real estate market.
- Limited geographic diversification.
- Dependence on interest income.
What Could Drive NYCB Stock Higher?
Potential acquisitions of smaller banks to expand market share.
- Continued focus on improving efficiency and reducing operating costs.
- Expansion of digital banking services to attract and retain customers.
What Are the Key Risks for NYCB?
Financial-distress signal — its Altman Z-Score of 0.34 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-0.7%) — the business is not currently generating profit on shareholder capital.
- Inconsistent delivery — missed Wall Street EPS estimates in 4 of the last 6 reported quarters.
- Interest rate hikes could negatively impact loan demand and profitability.
- Increased competition from fintech companies could erode market share.
- Economic downturn in key markets could lead to increased loan losses.
- Regulatory changes could increase compliance costs.
What Are the Growth Opportunities for NYCB?
- Expansion into underserved markets: NYCB could pursue growth by expanding its branch network and service offerings into underserved markets within its existing geographic footprint or adjacent regions. This strategy could involve targeting specific demographic groups or industries with tailored financial products. The market size for underserved banking segments is substantial, with potential for significant deposit and loan growth. Timeline: Ongoing.
- Increased adoption of digital banking services: NYCB can drive growth by enhancing its digital banking platform and promoting adoption among its customer base. This includes offering a wider range of online and mobile banking services, such as mobile check deposit, online bill pay, and peer-to-peer payments. Increased digital adoption can reduce operating costs and improve customer satisfaction. Timeline: Ongoing.
- Strategic acquisitions: NYCB could pursue strategic acquisitions of smaller banks or financial institutions to expand its market share and geographic reach. Acquisitions can provide access to new customer bases, product lines, and technologies. However, successful acquisitions require careful due diligence and integration. Timeline: Potential.
- Development of new financial products and services: NYCB can drive growth by developing and launching new financial products and services that cater to the evolving needs of its customers. This could include offering specialized loan products for specific industries, wealth management services, or innovative digital banking solutions. Timeline: Ongoing.
- Focus on commercial and industrial lending: NYCB can expand its commercial and industrial (C&I) lending portfolio to diversify its revenue streams and reduce its reliance on multi-family and commercial real estate loans. C&I lending can provide higher yields and growth opportunities, but it also requires specialized expertise and risk management capabilities. Timeline: Ongoing.
What Are NYCB's Competitive Advantages?
- Established presence in the Metro New York market.
- Strong relationships with real estate developers and investors.
- Expertise in multi-family and commercial real estate lending.
- Extensive branch network and ATM locations.
What Does NYCB Do?
Founded in 1859 and headquartered in Hicksville, New York, New York Community Bancorp, Inc. (NYCB) has evolved from its origins as Queens County Bancorp into a prominent regional bank holding company. The company's transformation included a name change in November 2000, reflecting its expanding geographic footprint and diversified service offerings. NYCB operates through its New York Community Bank subsidiary, delivering a comprehensive suite of banking products and services across Metro New York, New Jersey, Ohio, Florida, and Arizona. Its core business revolves around attracting deposits through interest-bearing checking and money market accounts, savings accounts, non-interest-bearing accounts, individual retirement accounts, and certificates of deposit. These deposits are then strategically deployed into various loan products, including multi-family loans, commercial real estate loans, specialty finance loans and leases, commercial and industrial loans, acquisition, development, and construction loans, one-to-four family loans, and consumer loans. Beyond traditional lending and deposit services, NYCB offers annuities, life and long-term care insurance products, and mutual funds. The bank also provides cash management products and convenient online, mobile, and phone banking services to cater to the evolving needs of its customer base. NYCB primarily serves individuals, small and mid-size businesses, and professional associations, leveraging a network of 237 branches and 333 ATM locations to deliver personalized financial solutions.
What Products and Services Does NYCB Offer?
- Accepts deposits from individuals and businesses through various account types.
- Provides multi-family loans to real estate investors.
- Offers commercial real estate loans for various property types.
- Provides specialty finance loans and leases.
- Offers commercial and industrial loans to businesses.
- Provides acquisition, development, and construction loans.
- Offers one-to-four family loans and consumer loans.
- Provides annuities, life and long-term care insurance products, and mutual funds.
How Does NYCB Make Money?
- Generates revenue through interest income on loans.
- Earns fees from various banking services, such as cash management and transaction processing.
- Manages interest rate risk by balancing assets and liabilities.
- Invests in technology to improve efficiency and customer service.
What Industry Does NYCB Operate In?
New York Community Bancorp operates within the regional banking sector, which is characterized by intense competition and evolving customer preferences. The industry is undergoing a digital transformation, with fintech companies challenging traditional banking models. NYCB's focus on multi-family and commercial real estate lending differentiates it from some competitors. The regional banking sector is subject to regulatory oversight and is sensitive to interest rate fluctuations. The overall health of the real estate market significantly impacts the performance of regional banks with substantial real estate loan portfolios.
Who Are NYCB's Key Customers?
- Individuals seeking deposit accounts and loans.
- Small and mid-size businesses requiring banking services.
- Real estate investors seeking multi-family and commercial real estate loans.
- Professional associations needing financial services.
Company Profile
New York Community Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Hicksville, US. The company is led by CEO Joseph M. Otting. NYCB has traded publicly since 1993.
New York Community Bancorp, Inc. Financial Trajectory
New York Community Bancorp, Inc. (NYCB) reported $976.0M in revenue for Q2 2026, a decline of 0.8% compared to the prior quarter. The company recorded net income of $26.0M, with diluted EPS of $0.07. Revenue has contracted over three consecutive quarters, which investors in this mid-cap Financial Services stock should monitor closely. Across the four most recent quarters, NYCB averaged $0.01 in diluted EPS.
How New York Community Bancorp, Inc. Is Valued
New York Community Bancorp, Inc. carries a market capitalization of $4.38B, placing it in the mid-cap category.
Key Financial Metrics
Return on equity for New York Community Bancorp, Inc. stands at -0.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -0.1%, showing how much profit it generates from its asset base. Its free cash flow yield is 3.4%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is -0.9%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
New York Community Bancorp, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.34 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
New York Community Bancorp, Inc. has missed Wall Street's EPS estimate in 4 of its last 6 reported quarters — a mixed record worth weighing. Reported results have landed about 80.7% below estimates on average.
Forward Outlook
Wall Street analysts project New York Community Bancorp, Inc. revenue of about $2.74B for fiscal 2026, with EPS near $0.96. The estimate reflects 6 contributing analysts.
Insider Activity
The most recent 10 insider filings for New York Community Bancorp, Inc. break down as 4 sales and 6 purchases. On net that is roughly 94.3M shares acquired (about $945K) — insiders putting money in tends to read as conviction.
NYCB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying indicates confidence from leadership in the company's growth prospects.
- Community sentiment has shown a positive shift, with discussions highlighting NYCB's expanding market presence.
- Analysts have noted improvements in operational efficiency, suggesting a stronger bottom line ahead.
- The bank's strategic focus on regional markets has garnered attention, positioning it well for local economic recovery.
Bear Case
- Concerns over rising interest rates have led to skepticism about the bank's net interest margins.
- Community sentiment reflects worries about potential loan defaults as economic conditions fluctuate.
- Recent bearish discussions emphasize the competitive landscape, with several fintech companies encroaching on traditional banking.
- Market perception is clouded by uncertainty regarding regulatory changes that may impact profitability in the near term.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $976M | $26M | $0.07 |
| Q1 2026 | $984M | $13M | $0.04 |
| Q4 2025 | $1.06B | $21M | $0.06 |
| Q3 2025 | $1.10B | -$45M | -$0.12 |
Based on FMP financials and quantitative analysis
NYCB Latest News
No recent news available for NYCB.
Leadership: Joseph M. Otting
President and Chief Executive Officer
Joseph M. Otting serves as the President and Chief Executive Officer of New York Community Bancorp, Inc. He brings extensive experience in the financial services industry, having held leadership positions at various institutions. Prior to joining NYCB, Otting served as the 31st Comptroller of the Currency. His background includes executive roles at OneWest Bank and U.S. Bancorp, demonstrating a deep understanding of banking operations, risk management, and regulatory compliance.
Track Record: Since assuming the role of CEO, Joseph M. Otting has focused on improving the bank's financial performance and strategic positioning. Key initiatives include streamlining operations, enhancing risk management practices, and exploring opportunities for growth. His leadership is aimed at navigating the challenges of the current economic environment and positioning NYCB for long-term success.
Common Questions About NYCB (Financial Services)
What happened to New York Community Bancorp, Inc. (NYCB) stock?
New York Community Bancorp, Inc. (NYCB) no longer trades on public markets. It was delisted in November 2024. The figures below are historical and are not a current quote.
Can I still buy NYCB shares?
No. NYCB stopped trading on public markets in November 2024, so the shares are not available through a broker. Anything you see quoted for NYCB elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before NYCB stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to New York Community Bancorp, Inc.. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does New York Community Bancorp, Inc. do?
New York Community Bancorp, Inc. operates as a bank holding company, primarily focusing on multi-family and commercial real estate lending. The company attracts deposits from individuals and businesses through a network of branches and ATMs, and then deploys these deposits into various loan products.
What do analysts say about NYCB stock?
Analyst coverage of New York Community Bancorp, Inc. (NYCB) is varied, with opinions reflecting the company's current financial performance and future prospects. Key valuation metrics, such as the negative P/E ratio, suggest challenges in current earnings. Growth considerations include the potential for expansion into new markets and the adoption of digital banking services.
What are the main risks for NYCB?
New York Community Bancorp, Inc. faces several key risks, including interest rate risk, credit risk, and regulatory risk. Interest rate fluctuations can impact the bank's net interest margin and profitability. Credit risk arises from the potential for borrowers to default on their loans, particularly in the commercial real estate sector.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial data is based on the most recent available information.
- AI analysis is pending and may provide additional insights.