Key TakeawaysNew York Community Bancorp (NYCB) shares soared 28% Wednesday after the bank laid out a plan to return to profitability, even as it reported a wider-than-expected loss for the first quarter.NYCB has struggled after posting an unexpected loss earlier this year as its loans in the commercial real estate and multifamily property space were revealed to be in danger.Jefferies analysts said the first-quarter results were "better than worst-case fears." Shares of New York Community Bancorp (NYCB) soar ...

财务数据和关键指标变化 - 公司在2024年第一季度录得净亏损3.35亿美元,主要由于计提3.15亿美元的贷款损失准备金 [61] - 公司在2024年第一季度的基本经营利润为小幅盈利,剔除一次性因素影响后 [62] - 公司的CET1资本充足率在资本注入后达到10.1% [8] - 公司的拨备覆盖率为1.58%,其中办公楼贷款的拨备覆盖率为10.3%,多户家庭贷款的拨备覆盖率为1.3% [43][44][45] 各条业务线数据和关键指标变化 - 公司的办公楼贷款规模为30亿美元,已对其中75%进行了深入审查 [44][45] - 公司的多户家庭贷款规模为369亿美元,已对其中36%进行了深入审查 [49][50] - 公司的其他商业房地产贷款规模为74亿美元,已对其中25%进行了深入审查 [52] 各个市场数据和关键指标变化 - 公司的存款中41%为活期存款和低成本存款,84%为有保险的存款 [54][55][59] - 公司的流动性充足,现金资产超过无保险存款的2倍 [59] 公司战略和发展方向及行业竞争 - 公司未来3年的目标是实现资产收益率1%、权益收益率11-12%、CET1资本充足率11-12% [22] - 公司将通过贷款重定价、问题贷款处置、中型企业银行业务拓展、系统整合、成本控制等措施来提升盈利能力 [25][26][27][29][30] - 公司未来3-5年将把商业房地产贷款规模降至300亿美元左右,同时大幅增加中型企业贷款业务 [27][28] 管理层对经营环境和未来前景的评论 - 管理层认为公司目前的估值存在较大上升空间,相比同类区域银行仍有较大折价 [67][68] - 管理层对公司未来的转型计划充满信心,并表示将全力以赴执行 [65][68][69] - 管理层认为公司目前的风险管理体系和信贷管理流程需要进一步完善,正在采取措施加以改善 [248][249][250][251] 问答环节重要的提问和回答 问题1 **Ebrahim Poonawala 提问** 询问公司如何在当前高利率环境下发展核心存款业务,以及近期是否出现人才流失的情况 [79][80] **Joseph Otting 回答** 公司将通过发展中型企业银行业务、提升零售银行服务等措施来吸引核心存款,同时正在采取措施应对部分Signature Bank团队的离职,目前存款流失情况可控 [81][82][83][84][85][86][87][88][89][90][91][92][93] 问题2 **Dave Rochester 提问** 询问公司Signature Bank团队离职后的存款情况 [103][104] **Joseph Otting 和 Craig Gifford 回答** 公司目前仍有100个Signature Bank团队留在公司,存款流失情况可控,主要存款为活期存款而非定期存款 [105][106][107][108][109] 问题3 **Mark Fitzgibbon 提问** 询问公司是否考虑通过FDIC交易进行并购扩张 [116][117] **Joseph Otting 回答** 公司当前首要任务是完善内部的风险管理体系和信贷管理流程,暂无并购计划,未来会根据进展情况再做考虑 [117][118][119][120]

Strategic Update and First Quarter 2024 Results May 1, 2024 Cautionary Statements Forward-Looking Information This earnings release and the associated conference call may include forward‐looking statements by the Company and our authorized officers pertaining to such matters as our goals, beliefs, intentions, and expectations regarding (a) revenues, earnings, loan production, asset quality, liquidity position, capital levels, risk analysis, divestitures, acquisitions, and other material transactions, among ...

Management sees a clear path back to profitability.Troubled New York Community Bancorp (NYCB 30.75%) lost more than analysts expected in the first quarter, but after its earnings report Wednesday morning, investors were more focused on management's upbeat commentary about what is to come. As of 11 a.m. ET, shares of the regional lender had leaped 34% higher.The path is clearingNew York Community has been making headlines for all the wrong reasons this year. The bank's shares plunged following a late-January ...

New York Community Bancorp (NYCB) came out with a quarterly loss of $0.25 per share versus the Zacks Consensus Estimate of a loss of $0.13. This compares to earnings of $0.23 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -92.31%. A quarter ago, it was expected that this bank holding company would post earnings of $0.29 per share when it actually produced a loss of $0.27, delivering a surprise of -193.10%.Over the last four q ...

A New York Community Bank stands in Brooklyn, New York City, on Feb. 8, 2024.New York Community Bank on Wednesday posted a quarterly loss of $335 million on a rising tide of soured commercial loans and higher expenses, but the lender's stock surged on its new performance targets.The first-quarter loss, equal to 45 cents per share, compared to net income of $2.0 billion, or $2.87 per share a year earlier. When adjusted for charges included merger-related items, the loss was $182 million, or 25 cents per shar ...

102 Duffy Avenue, Hicksville, NY 11801 ● Phone: (516) 683-4420 ● flagstar.com NEW YORK COMMUNITY BANCORP, INC. REPORTS FIRST QUARTER 2024 RESULTS AND PROVIDES UPDATE ON ITS STRATEGIC PATH TO PROFITABILITY COMPANY TARGETS PEER LEVEL PROFITABILITY BY FOURTH QUARTER 2026 INCLUDING ROAA OF 1%, ROATCE OF 11% - 12%, AND A CET1 CAPITAL RATIO OF 11% - 12% SUCCESSFULLY RAISED OVER $1 BILLION IN EQUITY, BOLSTERING CAPITAL AND LIQUIDITY POSITION STRENGTHENED BOARD OF DIRECTORS AND EXECUTIVE MANAGEMENT TEAM INCREASED A ...

COMPANY TARGETS PEER LEVEL PROFITABILITY BY FOURTH QUARTER 2026 INCLUDING ROAA OF 1%, ROATCE OF 11% - 12%, AND A CET1 CAPITAL RATIO OF 11% - 12%SUCCESSFULLY RAISED OVER $1 BILLION IN EQUITY, BOLSTERING CAPITAL AND LIQUIDITY POSITION STRENGTHENED BOARD OF DIRECTORS AND EXECUTIVE MANAGEMENT TEAM INCREASED ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LEASES TO 1.48% COMPARED TO 1.17% LAST QUARTERDEPOSITS REMAIN RESILIENT POST CAPITAL RAISE ALONG WITH AMPLE LIQUIDITYWELL CAPITALIZED WITH CET1 RATIO OF 9.45%, OR 10. ...

HICKSVILLE, N.Y., April 30, 2024 /PRNewswire/ -- New York Community Bancorp, Inc. (NYSE: NYCB) (the "Company") today announced that it plans to issue results for the three months ended March 31, 2024 at approximately 7:00 a.m. Eastern Time (ET) on Wednesday, May 1, 2024.  You will receive an earnings release and presentation, both of which will be posted to the Investor Relations portion of the Company's website, ir.myNYCB.com. Management apologizes for the late notification of the date of the Company's ear ...

HICKSVILLE, N.Y., April 26, 2024 /PRNewswire/ -- New York Community Bancorp, Inc. (NYSE: NYCB) (the "Company") today announced that Wednesday, June 5th, has been established as the new date of its 2024 Annual Meeting of Shareholders.The meeting will be held in a virtual format only, via live webcast, beginning at 10:00 a.m. Eastern Time. The date of record for voting at the Annual Meeting will be April 12, 2024. Shareholders of the Company as of the record date will be entitled to receive notice of, and vot ...