PCSB Financial (PCSB) & New York Community Bank (NYCB) Head-To-Head Contrast

PCSB Financial (NASDAQ: PCSB) and New York Community Bank (NYSE:NYCB) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, risk, dividends, analyst recommendations, profitability, earnings and valuation.

Insider and Institutional Ownership

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40.4% of PCSB Financial shares are held by institutional investors. Comparatively, 60.2% of New York Community Bank shares are held by institutional investors. 1.6% of PCSB Financial shares are held by company insiders. Comparatively, 3.1% of New York Community Bank shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Earnings and Valuation

This table compares PCSB Financial and New York Community Bank’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
PCSB Financial $45.04 million 8.37 $3.22 million N/A N/A
New York Community Bank $1.80 billion 3.45 $466.20 million $0.81 15.65

New York Community Bank has higher revenue and earnings than PCSB Financial.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for PCSB Financial and New York Community Bank, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PCSB Financial 0 0 1 0 3.00
New York Community Bank 3 5 2 0 1.90

PCSB Financial currently has a consensus target price of $24.00, suggesting a potential upside of 15.72%. New York Community Bank has a consensus target price of $13.19, suggesting a potential upside of 4.06%. Given PCSB Financial’s stronger consensus rating and higher possible upside, analysts plainly believe PCSB Financial is more favorable than New York Community Bank.

Profitability

This table compares PCSB Financial and New York Community Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
PCSB Financial 3.98% 2.87% 0.49%
New York Community Bank 25.91% 6.81% 0.87%

Dividends

New York Community Bank pays an annual dividend of $0.68 per share and has a dividend yield of 5.4%. PCSB Financial does not pay a dividend. New York Community Bank pays out 84.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.

Summary

New York Community Bank beats PCSB Financial on 9 of the 13 factors compared between the two stocks.

About PCSB Financial

PCSB Financial Corporation will be the holding company of PCSB Bank (the Bank). The Bank is a mutual savings bank. The Bank attracts deposits from the general public and utilizes those funds primarily to originate and purchase residential real estate, commercial real estate and business loans, and to purchase investment securities. As of September 30, 2016, the Bank had consolidated total assets of $1.25 billion, total deposits of $1.12 billion and equity of $111.5 million. The Bank’s provides commercial lending and deposit opportunities for its customers. The Bank operates in 15 locations, offices located in Dutchess, Putnam, Rockland and Westchester Counties in New York. The Bank’s subsidiaries include PCSB Commercial Bank, PCSB Funding Corp. and PCSB Realty Ltd.

About New York Community Bank

New York Community Bancorp, Inc. operates as a holding company for New York Community Bank and New York Commercial Bank that offer banking products and financial services in Metro New York, New Jersey, Ohio, Florida, and Arizona. The company offers various deposit products that include checking and savings accounts, individual retirement accounts, certificates of deposit, NOW and money market accounts, and non-interest-bearing accounts. Its loan portfolio comprises one-to-four family loans; multi-family loans; commercial real estate loans; acquisition, development, and construction loans; specialty finance loans and leases; and other C&I loans, as well as various consumer loans. The company also provides installment loans, revolving lines of credit, and insurance products, as well as cash management, and online and mobile banking services. It serves small and mid-size businesses, professional associations, and government agencies. The company serves its customers through a network of 225 Community Bank branches, 30 Commercial Bank branches, and 271 ATM locations. The company was formerly known as Queens County Bancorp, Inc. and changed its name to New York Community Bancorp, Inc. in November 2000. New York Community Bancorp, Inc. was founded in 1859 and is based in Westbury, New York.

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