New York Community Bancorp (NYCB) Financials

$5.9 B

Mkt cap, 23-May-2018

$427.2 M

Revenue Q1, 2018
Gross profit (Q1, 2018)293.2 M
Gross profit margin (Q1, 2018), %68.6%
Net income (Q1, 2018)106.6 M
EBIT (Q1, 2018)270.3 M
Cash, 31-Mar-20182.7 B
EV15.7 B

Revenue/Financials

Income Statement

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Revenue

1.7 b1.7 b1.7 b1.7 b

Revenue growth, %

(1%)1%(1%)

Cost of goods sold

1.3 b387.5 m452.2 m

Gross profit

408.1 m1.3 b

Gross profit Margin, %

24%77%

Sales and marketing expense

351.4 m361 m

General and administrative expense

188.1 m181.3 m

Operating expense total

539.6 m641.2 m

EBIT

747.1 m773.1 m(132 m)1.3 b1.1 b

EBIT margin, %

44%46%(8%)77%

Pre tax profit

(132 m)777.1 m668.2 m

Income tax expense

(84.9 m)281.7 m202 m

Net Income

475.5 m485.4 m(47.2 m)495.4 m466.2 m

Quarterly

USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q1, 2018

Revenue

483.5 m454.1 m459 m457 m456.7 m431.3 m449.5 m427.2 m

Cost of goods sold

136.5 m137.1 m95.9 m94 m97.7 m104.2 m111.3 m134 m

Gross profit

347 m317 m363.1 m362.9 m359 m327.1 m338.2 m293.2 m

Gross profit Margin, %

72%70%79%79%79%76%75%69%

Sales and marketing expense

83.1 m84.2 m89.3 m85.8 m86.1 m95.6 m92.9 m84 m

General and administrative expense

41.6 m35.9 m41.3 m49.5 m48.5 m46.2 m47.5 m30.2 m

Operating expense total

150.6 m146 m156.4 m159.1 m158.9 m166.8 m163.7 m139.1 m

EBIT

285.1 m279.4 m327.9 m325.6 m318.4 m294.9 m287.8 m270.3 m

EBIT margin, %

59%62%71%71%70%68%64%63%

Pre tax profit

194.7 m178.7 m204.8 m201.1 m197.4 m164.2 m180.7 m144.5 m

Income tax expense

71 m64 m74.9 m74.7 m72.1 m60.2 m65.4 m37.9 m

Net Income

233.9 m354.2 m119.3 m123.7 m114.7 m129.9 m126.5 m125.3 m104 m115.3 m106.6 m

Balance Sheet

Annual

USDFY, 2016FY, 2017

Cash

2.5 b

Accounts Receivable

478.4 m

Inventories

PP&E

368.7 m

Goodwill

2.4 b

Total Assets

49.1 b

Accounts Payable

149.2 m29.1 b

Short-term debt

Long-term debt

12.1 b

Total Debt

12.1 b

Total Liabilities

42.3 b

Retained Earnings

237.9 m

Total Equity

6.8 b

Financial Leverage

7.2 x

Quarterly

USDQ1, 2018

Cash

2.7 b

PP&E

364.3 m

Goodwill

2.4 b

Total Assets

49.7 b

Accounts Payable

29.2 b

Long-term debt

12.5 b

Total Debt

12.5 b

Total Liabilities

42.9 b

Retained Earnings

255.8 m

Total Equity

6.8 b

Financial Leverage

7.3 x

Cash Flow

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

475.5 m485.4 m(47.2 m)495.4 m466.2 m

Depreciation and Amortization

28.1 m27.8 m31.5 m32.8 m32.8 m

Accounts Receivable

Inventories

Accounts Payable

Cash From Operating Activities

1.4 b722.4 m(420.4 m)755.7 m1.3 b

Purchases of PP&E

(1.2 b)

Cash From Investing Activities

(2.1 b)(1.4 b)1.2 b1.1 b

Cash From Financing Activities

2 b1.3 b1.8 b(2 b)(418.1 m)

Interest Paid

552.5 m553.8 m540.8 m382.1 m447.5 m

Income Taxes Paid

212.2 m247.6 m187.6 m180.2 m217.7 m

Quarterly

USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q1, 2018

Net Income

355.4 m115.3 m233.9 m354.2 m119.3 m243 m357.7 m129.9 m256.4 m381.7 m104 m219.2 m106.6 m

Depreciation and Amortization

21.1 m6.8 m13.7 m20.7 m7.6 m15.4 m23.3 m8.1 m16.3 m24.6 m8 m16 m8.4 m

Cash From Operating Activities

1.3 b188.1 m98 m493.8 m76.3 m176.4 m273.6 m311.7 m287.7 m395.8 m370.1 m536.5 m148.3 m

Cash From Investing Activities

(3.7 b)(859.7 m)(1.7 b)(2.1 b)417.9 m21.6 m(363.2 m)1.7 b1.4 b1.1 b267.7 m1 b(465.8 m)

Cash From Financing Activities

1.2 b700 m1.7 b1.6 b(475.9 m)(173.5 m)111.3 m(1.9 b)(1.6 b)(1.3 b)(211.3 m)(986.4 m)470.1 m

Interest Paid

415.4 m135.4 m272.5 m413.1 m139.2 m276.7 m413 m91.1 m185.5 m283.4 m102.8 m214.3 m131.2 m

Income Taxes Paid

118.3 m17.4 m123.9 m176.7 m10.7 m116.7 m187.7 m2 k125.2 m135.2 m1 k67.7 m5.2 m

Ratios

USDY, 2018

EV/EBIT

58.2 x

EV/CFO

106.1 x

Financial Leverage

7.3 x
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Operating Metrics

New York Community Bancorp's Total Loans was reported to be $38.9b in Q2, 2017.
FY, 2014Q3, 2016FY, 2016Q1, 2017Q2, 2017

ATMs

285 271

Bank Branches

272 255 255 255 255

Countries

26 26

Non-accrual Loans

$67.60 m$31.19 m$38.73 m$31.18 m$31.24 m

Non-performing Loans

$76.95 m$43.40 m$56.47 m$60.14 m$81.99 m

Total Loans

$35.81 b$39.67 b$39.46 b$38.97 b$38.90 b
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