New York Community Bancorp Valuation
Is QC10 undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
4/6Valuation Score 4/6
Below Fair Value
Significantly Below Fair Value
Price-To-Book vs Peers
Price-To-Book vs Industry
Price-To-Book vs Fair Ratio
Analyst Forecast
Share Price vs Fair Value
What is the Fair Price of QC10 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: QC10 (€9.43) is trading below our estimate of fair value (€12.01)
Significantly Below Fair Value: QC10 is trading below fair value by more than 20%.
Key Valuation Metric
Which metric is best to use when looking at relative valuation for QC10?
Other financial metrics that can be useful for relative valuation.
| What is QC10's n/a Ratio? | |
|---|---|
| n/a | 0x |
| n/a | n/a |
| Market Cap | US$3.84b |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | n/a |
Price to Book Ratio vs Peers
How does QC10's PB Ratio compare to its peers?
| Company | Forward PB | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 1.3x | ||
CBK Commerzbank | 0.6x | 8.0% | €18.2b |
PCZ ProCredit Holding | 0.5x | 10.1% | €499.5m |
BANDHANBNK Bandhan Bank | 1.4x | 19.7% | ₹303.0b |
RILBA Ringkjøbing Landbobank | 2.9x | -2.4% | DKK 30.7b |
QC10 New York Community Bancorp | 0.5x | 117.9% | €3.8b |
Price-To-Book vs Peers: QC10 is good value based on its Price-To-Book Ratio (0.5x) compared to the peer average (1.3x).
Price to Earnings Ratio vs Industry
How does QC10's PE Ratio compare vs other companies in the European Banks Industry?
Price-To-Book vs Industry: QC10 is good value based on its Price-To-Book Ratio (0.5x) compared to the European Banks industry average (0.8x).
Price to Book Ratio vs Fair Ratio
What is QC10's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PB Ratio | 0.5x |
| Fair PB Ratio | n/a |
Price-To-Book vs Fair Ratio: Insufficient data to calculate QC10's Price-To-Book Fair Ratio for valuation analysis.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
| Date | Share Price | Average 1Y Price Target | Dispersion | High | Low | 1Y Actual price | Analysts |
|---|---|---|---|---|---|---|---|
| Current | €9.43 | €11.30 +19.8% | 15.2% | €16.57 | €9.67 | n/a | 13 |
| Jul ’25 | €9.00 | €13.40 +48.9% | 54.9% | €39.21 | €9.80 | n/a | 14 |
| Jun ’25 | €8.95 | €13.51 +50.9% | 52.2% | €38.60 | €9.65 | n/a | 15 |
| May ’25 | €7.42 | €13.85 +86.6% | 50.3% | €39.28 | €9.82 | n/a | 16 |
| Apr ’25 | €9.12 | €14.08 +54.4% | 47.0% | €38.75 | €8.30 | n/a | 17 |
| Mar ’25 | €9.98 | €18.28 +83.3% | 36.6% | €38.76 | €9.69 | n/a | 17 |
| Feb ’25 | €16.35 | €26.18 +60.1% | 25.8% | €41.40 | €16.56 | n/a | 16 |
| Jan ’25 | €28.35 | €34.25 +20.8% | 15.2% | €43.89 | €21.95 | n/a | 17 |
| Dec ’24 | €25.74 | €35.41 +37.6% | 14.0% | €44.13 | €22.06 | n/a | 17 |
| Nov ’24 | €26.76 | €37.06 +38.5% | 10.3% | €45.36 | €31.18 | n/a | 17 |
| Oct ’24 | €31.92 | €41.98 +31.5% | 10.0% | €48.24 | €34.05 | n/a | 17 |
| Sep ’24 | €33.90 | €42.07 +24.1% | 8.3% | €46.61 | €32.90 | n/a | 16 |
| Aug ’24 | €37.68 | €41.74 +10.8% | 7.9% | €46.44 | €32.78 | n/a | 16 |
| Jul ’24 | €30.66 | €33.60 +9.6% | 8.4% | €38.64 | €27.60 | €9.00 | 16 |
| Jun ’24 | €28.98 | €32.79 +13.1% | 7.4% | €35.92 | €27.63 | €8.95 | 17 |
| May ’24 | €26.91 | €31.35 +16.5% | 10.4% | €35.39 | €24.50 | €7.42 | 17 |
| Apr ’24 | €24.42 | €30.21 +23.7% | 9.4% | €35.95 | €22.13 | €9.12 | 16 |
| Mar ’24 | €24.86 | €29.92 +20.4% | 8.3% | €33.56 | €26.56 | €9.98 | 15 |
| Feb ’24 | €27.27 | €29.06 +6.6% | 9.3% | €32.77 | €24.58 | €16.35 | 14 |
| Jan ’24 | €24.12 | €28.63 +18.7% | 11.0% | €35.32 | €24.02 | €28.35 | 15 |
| Dec ’23 | €26.58 | €31.31 +17.8% | 14.6% | €41.90 | €25.44 | €25.74 | 13 |
| Nov ’23 | €28.09 | €31.89 +13.5% | 14.5% | €42.15 | €25.59 | €26.76 | 11 |
| Oct ’23 | €25.98 | €34.74 +33.7% | 16.8% | €48.17 | €27.09 | €31.92 | 13 |
| Sep ’23 | €28.97 | €34.74 +19.9% | 16.8% | €48.17 | €27.09 | €33.90 | 13 |
| Aug ’23 | €30.86 | €33.57 +8.8% | 16.7% | €46.99 | €26.43 | €37.68 | 14 |
| Jul ’23 | €25.79 | €34.47 +33.7% | 16.0% | €45.82 | €25.77 | €30.66 | 13 |
Analyst Forecast: Target price is less than 20% higher than the current share price.