New York Community Bancorp (NYSE: NYB) only managed to meet estimates last quarter, and investors hope that it will surpass expectations this time. The company will unveil its latest earnings on Thursday, July 21. New York Community Bancorp is the holding company for New York Community Bank and New York Commercial Bank, which produces multi-family loans in New York City.

What analysts say:

  • Buy, sell, or hold?: Analysts are bullish on this stock, with 10 analysts rating it as a buy and only one rating it as a sell. Analysts like New York Community Bancorp better than competitor Hudson City Bancorp overall. Analysts still rate the stock a moderate buy, but they are a bit more wary about it compared with three months ago.
  • Revenue forecasts: On average, analysts predict $299.6 million in revenue this quarter. That would represent a rise of 1.8% from the year-ago quarter.
  • Wall Street earnings expectations: The average analyst estimate is earnings of $0.28 per share. Estimates range from $0.26 to $0.30.

What our community says:
CAPS All-Stars are solidly backing the stock, with 97.4% assigning it an "outperform" rating. The community at large concurs with the All-Stars with 94.4% awarding it a rating of "outperform." Fools are bullish on New York Community Bancorp, though the message boards have been quiet lately, with only 90 posts in the past 30 days. New York Community Bancorp has a bullish CAPS rating of five out of five stars that is about on par with the Fool community's assessment.

Management:
New York Community Bancorp's profit has risen year over year by an average of 42.9%. Revenue has fallen in the past two quarters.

Now let's look at how efficient management is at running the business. Traditionally, margins represent the efficiency with which companies capture portions of sales dollars. The following table shows net margins over the past four quarters. 

Quarter Q1 Q4 Q3 Q2
Net Margin 23.3% 25.2% 23.6% 24.2%
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