Based on the aggregated intelligence of 170,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, multibank holding company New York Community Bancorp (NYSE: NYB) has earned a coveted five-star ranking.

With that in mind, let's take a closer look at New York Community's business and see what CAPS investors are saying about the stock right now.

New York Community facts

Headquarters (Founded) Westbury, N.Y. (1859)
Market Cap $7.2 billion
Industry Thrifts and mortgage finance
Trailing-12-Month Revenue $1.4 billion
Management

President/CEO Joseph Ficalora (since 1994)

CFO Thomas Cangemi (since 2005)

Return on Equity (Average, Past 3 Years) 7%
Dividend Yield 6.1%

Sources: Capital IQ (a division of Standard & Poor's) and Motley Fool CAPS.

On CAPS, 94% of the 276 members who have rated New York Community believe the stock will outperform the S&P 500 going forward. These bulls include jnuetzmann and SkippyJohnJones.

Just three days ago, jnuetzmann succinctly summed up the New York Community bull case: "Quality loan portfolio, consistent dividends."

New York Community even boasts a robust three-year average net margin of 32.4%. That's much higher than that of bigger banks like Bank of America (NYSE: BAC) (5.2%) and Wells Fargo (NYSE: WFC) (15.2%), let alone Citigroup's (NYSE: C) average net margin of -4.6%.

CAPS member SkippyJohnJones expands on the New York Community outperform argument:
 

What's not to like with [New York Community Bancorp]? ... The business model is as solid as can be - fixed rate loans for multi-unit buildings. Many of the occupants of these buildings are on rent control, so there is extremely low tenant turnover. When the apartments do flip, rent goes up dramatically. Either way, the landlord should have little difficulty making mortgage payments to [New York Community Bancorp].

[New York Community Bancorp] didn't take TARP because they didn't need to, and the FDIC rewarded the conservative management with the assets of Amtrust and Desert Hills banks. There are still enough weak players that [New York Community Bancorp] should have additional opportunities for government-assisted growth without having to dip into cash and put the signature dividend at risk.

What do you think about New York Community, or any other stock for that matter? If you want to retire rich, you need to put together the best portfolio you can. Owning exceptional stocks is a surefire way to secure your financial future, and on Motley Fool CAPS, thousands of investors are working every day to find them. CAPS is 100% free, so get started!

Fool contributor Brian Pacampara owns no position in any of the companies mentioned. The Fool owns shares of Wells Fargo. The Fool owns shares of Bank of America through a Rising Stars buy and also holds a short position in the stock in a different Rising Stars portfolio. Try any of our Foolish newsletter services free for 30 days.

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