New York Community Bancorp has fallen on hard times. It's not appropriate for most investors, but turnaround types still have time to buy it.For most investors, New York Community Bancorp (NYCB 3.10%) is a stock that will be best avoided. The regional bank has had a rough year and that is reflected in the stock price, but it is well positioned for a turnaround, which may interest more aggressive investors. And since the stock trades some 70% below its 52-week highs, you aren't too late to buy it.What went w ...