New York Community Bancorp, Inc. (NYCB) — Earnings Call X-Ray
Our AI read all 35 of NYCB's earnings calls (2016–2024) and answered the same battery of questions about each one. Every past call is free; the newest quarter unlocks with a free account.
Previous Call Grade
C
Q2 2024
Calls Analyzed
35
2016–2024
Avg Candor
6.5/9
evasion 3.6/9
Call-by-call analysis
🔒 Q3 2024 earnings call
2024-10-25
NEWEST
Guidance: ■■■■■Demand: ■■■■■■
Margins: ■■■■Backlog: ■■■■
■ analysts, ■■ questionsexpected move ±■■%
Management ■■■■■■ guidance against ■■■■■■■■ demand and ■■■■■■■ margins. The delivery was ■■■■■■■■ and ■■■■ in specifics, with ■■■ questions left hanging.
🔒 The Q3 2024 call grade is ready
The full 37-point AI read of NYCB's newest earnings call — grade, expected move, and every question answered — is free with an account.
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C
Q2 2024 earnings call
2024-07-25
move ±16.1%
Management lowered guidance against mixed demand signals and contracting margins. The delivery was unusually candid, rich in specifics.
Guidance: loweredDemand: mixedMargins: contractingPricing: raisingHeadcount: growing 10 analysts · 31 questions
⚑ Critic ammunition✓ Skeptic reassured⚑ Question left hanging✓ Resolves doubtsDirection beats results
All 20 questions our AI answered about this call
YES Would a skeptical short-seller find this call reassuring?
NO Would a careful investor underwrite management's guidance?
NO Is management's confidence proportionate to the evidence presented?
YES Does the call resolve more doubts than it creates?
YES Is there something a critic could fairly use against the company?
YES Is a claimed advantage dependent on scale they lack?
YES Does an obvious question remain unanswered?
NO Is a product early in its life but growing very fast?
NO Do they serve a small fraction of their addressable customers?
NO Is volume about to step up rather than grow gradually?
NO Are high fixed costs currently underutilised?
YES Is pricing recovering from a depressed level?
YES Do current results look bad while the direction looks better?
NO Are deferred revenue or customer prepayments growing?
NO Is consolidation happening among their peers?
NO Is a founder still running the company?
NO Does the final speaker sound like they are summarizing a finished story?
NO Is a fast-growing segment obscured by a declining one?
NO Does the CFO speak more than the CEO?
NO Does the call read rehearsed rather than lived?
C
Q1 2024 earnings call
2024-05-01
move ±16.6%
Management held guidance steady against steady demand and contracting margins. The delivery was unusually candid, rich in specifics.
Guidance: maintainedDemand: stableMargins: contractingPricing: under pressureHeadcount: cutting 15 analysts · 38 questions
⚑ Critic ammunition⚑ Question left hanging✓ Resolves doubtsDirection beats results
All 20 questions our AI answered about this call
NO Would a skeptical short-seller find this call reassuring?
NO Would a careful investor underwrite management's guidance?
YES Is management's confidence proportionate to the evidence presented?
YES Does the call resolve more doubts than it creates?
YES Is there something a critic could fairly use against the company?
NO Is a claimed advantage dependent on scale they lack?
YES Does an obvious question remain unanswered?
NO Is a product early in its life but growing very fast?
NO Do they serve a small fraction of their addressable customers?
NO Is volume about to step up rather than grow gradually?
YES Are high fixed costs currently underutilised?
YES Is pricing recovering from a depressed level?
YES Do current results look bad while the direction looks better?
NO Are deferred revenue or customer prepayments growing?
NO Is consolidation happening among their peers?
NO Is a founder still running the company?
NO Does the final speaker sound like they are summarizing a finished story?
NO Is a fast-growing segment obscured by a declining one?
NO Does the CFO speak more than the CEO?
NO Does the call read rehearsed rather than lived?
F
Q4 2023 earnings call
2024-01-31
move ±27.1%
Management lowered guidance against slowing demand and contracting margins. The delivery was rich in specifics, frequently evasive, visibly under pressure.
Guidance: loweredDemand: slowingMargins: contractingPricing: under pressure 13 analysts · 30 questions
⚑ Critic ammunition⚑ Question left hangingDirection beats results
All 20 questions our AI answered about this call
NO Would a skeptical short-seller find this call reassuring?
NO Would a careful investor underwrite management's guidance?
NO Is management's confidence proportionate to the evidence presented?
NO Does the call resolve more doubts than it creates?
YES Is there something a critic could fairly use against the company?
YES Is a claimed advantage dependent on scale they lack?
YES Does an obvious question remain unanswered?
NO Is a product early in its life but growing very fast?
NO Do they serve a small fraction of their addressable customers?
NO Is volume about to step up rather than grow gradually?
NO Are high fixed costs currently underutilised?
NO Is pricing recovering from a depressed level?
YES Do current results look bad while the direction looks better?
NO Are deferred revenue or customer prepayments growing?
YES Is consolidation happening among their peers?
NO Is a founder still running the company?
NO Does the final speaker sound like they are summarizing a finished story?
NO Is a fast-growing segment obscured by a declining one?
NO Does the CFO speak more than the CEO?
NO Does the call read rehearsed rather than lived?
D
Q3 2023 earnings call
2023-10-26
move ±12.7%
Management lowered guidance against steady demand and expanding margins. The delivery was unusually candid, rich in specifics.
Guidance: loweredDemand: stableMargins: expandingPricing: raisingHeadcount: growing 14 analysts · 27 questions
⚑ Critic ammunition⚑ Question left hanging✓ Guidance underwritable
All 20 questions our AI answered about this call
NO Would a skeptical short-seller find this call reassuring?
YES Would a careful investor underwrite management's guidance?
YES Is management's confidence proportionate to the evidence presented?
NO Does the call resolve more doubts than it creates?
YES Is there something a critic could fairly use against the company?
NO Is a claimed advantage dependent on scale they lack?
YES Does an obvious question remain unanswered?
NO Is a product early in its life but growing very fast?
NO Do they serve a small fraction of their addressable customers?
NO Is volume about to step up rather than grow gradually?
NO Are high fixed costs currently underutilised?
YES Is pricing recovering from a depressed level?
NO Do current results look bad while the direction looks better?
NO Are deferred revenue or customer prepayments growing?
YES Is consolidation happening among their peers?
NO Is a founder still running the company?
NO Does the final speaker sound like they are summarizing a finished story?
NO Is a fast-growing segment obscured by a declining one?
NO Does the CFO speak more than the CEO?
NO Does the call read rehearsed rather than lived?
C+
Q2 2023 earnings call
2023-07-27
move ±11.1%
Management held guidance steady against steady demand and expanding margins. The delivery was rich in specifics, promotional in tone.
Guidance: maintainedDemand: stableMargins: expandingPricing: raisingHeadcount: growingCapex: increasing 10 analysts · 27 questions
⚑ Critic ammunition✓ Skeptic reassured✓ Guidance underwritable✓ Resolves doubts
All 20 questions our AI answered about this call
YES Would a skeptical short-seller find this call reassuring?
YES Would a careful investor underwrite management's guidance?
YES Is management's confidence proportionate to the evidence presented?
YES Does the call resolve more doubts than it creates?
YES Is there something a critic could fairly use against the company?
NO Is a claimed advantage dependent on scale they lack?
NO Does an obvious question remain unanswered?
NO Is a product early in its life but growing very fast?
NO Do they serve a small fraction of their addressable customers?
NO Is volume about to step up rather than grow gradually?
NO Are high fixed costs currently underutilised?
NO Is pricing recovering from a depressed level?
NO Do current results look bad while the direction looks better?
NO Are deferred revenue or customer prepayments growing?
YES Is consolidation happening among their peers?
NO Is a founder still running the company?
NO Does the final speaker sound like they are summarizing a finished story?
NO Is a fast-growing segment obscured by a declining one?
NO Does the CFO speak more than the CEO?
NO Does the call read rehearsed rather than lived?
C
Q1 2023 earnings call
2023-04-28
move ±11%
Management held guidance steady against steady demand and expanding margins. The delivery was rich in specifics.
Guidance: maintainedDemand: stableMargins: expandingPricing: raisingHeadcount: cutting 8 analysts · 23 questions
⚑ Critic ammunition✓ Skeptic reassured⚑ Question left hanging✓ Resolves doubts
All 20 questions our AI answered about this call
YES Would a skeptical short-seller find this call reassuring?
NO Would a careful investor underwrite management's guidance?
YES Is management's confidence proportionate to the evidence presented?
YES Does the call resolve more doubts than it creates?
YES Is there something a critic could fairly use against the company?
NO Is a claimed advantage dependent on scale they lack?
YES Does an obvious question remain unanswered?
NO Is a product early in its life but growing very fast?
NO Do they serve a small fraction of their addressable customers?
NO Is volume about to step up rather than grow gradually?
NO Are high fixed costs currently underutilised?
YES Is pricing recovering from a depressed level?
NO Do current results look bad while the direction looks better?
NO Are deferred revenue or customer prepayments growing?
YES Is consolidation happening among their peers?
NO Is a founder still running the company?
NO Does the final speaker sound like they are summarizing a finished story?
NO Is a fast-growing segment obscured by a declining one?
NO Does the CFO speak more than the CEO?
NO Does the call read rehearsed rather than lived?
C+
Q4 2022 earnings call
2023-01-31
move ±8.4%
Management held guidance steady against slowing demand and expanding margins. The delivery was unusually candid, rich in specifics.
Guidance: maintainedDemand: slowingMargins: expandingBacklog: shrinkingPricing: raisingHeadcount: cuttingCapex: increasing 10 analysts · 30 questions
⚑ Critic ammunition⚑ Question left hanging✓ Guidance underwritable✓ Resolves doubtsDirection beats results
All 20 questions our AI answered about this call
NO Would a skeptical short-seller find this call reassuring?
YES Would a careful investor underwrite management's guidance?
YES Is management's confidence proportionate to the evidence presented?
YES Does the call resolve more doubts than it creates?
YES Is there something a critic could fairly use against the company?
NO Is a claimed advantage dependent on scale they lack?
YES Does an obvious question remain unanswered?
NO Is a product early in its life but growing very fast?
NO Do they serve a small fraction of their addressable customers?
NO Is volume about to step up rather than grow gradually?
YES Are high fixed costs currently underutilised?
YES Is pricing recovering from a depressed level?
YES Do current results look bad while the direction looks better?
NO Are deferred revenue or customer prepayments growing?
YES Is consolidation happening among their peers?
NO Is a founder still running the company?
NO Does the final speaker sound like they are summarizing a finished story?
NO Is a fast-growing segment obscured by a declining one?
NO Does the CFO speak more than the CEO?
NO Does the call read rehearsed rather than lived?
Earlier calls
| Call | Date | Grade | Guidance | Demand | Margins | Candor | Evasion |
|---|
| Q3 2022 |
2022-10-26 |
D |
maintained | slowing | contracting |
6/9 |
5/9 |
| Q2 2022 |
2022-07-27 |
C+ |
maintained | accelerating | expanding |
6/9 |
3/9 |
| Q1 2022 |
2022-04-27 |
D |
maintained | accelerating | stable |
6/9 |
6/9 |
| Q4 2021 |
2022-01-26 |
C |
maintained | accelerating | stable |
6/9 |
5/9 |
| Q3 2021 |
2021-10-27 |
C |
maintained | accelerating | expanding |
7/9 |
6/9 |
| Q2 2021 |
2021-07-28 |
B+ |
raised | stable | expanding |
7/9 |
3/9 |
| Q4 2020 |
2021-01-27 |
C+ |
maintained | stable | expanding |
7/9 |
3/9 |
| Q3 2020 |
2020-10-28 |
B |
maintained | stable | expanding |
7/9 |
2/9 |
| Q2 2020 |
2020-07-29 |
C+ |
maintained | stable | expanding |
7/9 |
3/9 |
| Q1 2020 |
2020-04-29 |
C+ |
raised | accelerating | expanding |
6/9 |
3/9 |
| Q4 2019 |
2020-01-29 |
C+ |
maintained | accelerating | expanding |
6/9 |
3/9 |
| Q3 2019 |
2019-10-31 |
C |
maintained | mixed | expanding |
6/9 |
3/9 |
| Q2 2019 |
2019-07-31 |
B |
raised | stable | expanding |
6/9 |
2/9 |
| Q1 2019 |
2019-04-30 |
C+ |
maintained | mixed | contracting |
6/9 |
3/9 |
| Q4 2018 |
2019-01-30 |
D |
maintained | stable | contracting |
6/9 |
4/9 |
| Q3 2018 |
2018-10-24 |
D |
maintained | stable | contracting |
6/9 |
4/9 |
| Q2 2018 |
2018-07-25 |
C+ |
raised | accelerating | contracting |
6/9 |
4/9 |
| Q1 2018 |
2018-04-25 |
D |
lowered | stable | contracting |
7/9 |
4/9 |
| Q4 2017 |
2018-02-01 |
B |
maintained | accelerating | contracting |
7/9 |
2/9 |
| Q3 2017 |
2017-10-25 |
F |
lowered | accelerating | contracting |
7/9 |
6/9 |
| Q2 2017 |
2017-07-26 |
D |
lowered | accelerating | contracting |
6/9 |
4/9 |
| Q1 2017 |
2017-04-26 |
D |
maintained | mixed | contracting |
6/9 |
4/9 |
| Q4 2016 |
2017-01-25 |
C |
maintained | mixed | contracting |
7/9 |
4/9 |
| Q3 2016 |
2016-10-26 |
C+ |
maintained | stable | contracting |
7/9 |
4/9 |
| Q2 2016 |
2016-07-27 |
C+ |
maintained | stable | stable |
6/9 |
3/9 |
| Q1 2016 |
2016-04-20 |
C |
maintained | mixed | stable |
6/9 |
4/9 |
| Q4 2015 |
2016-01-27 |
D |
maintained | stable | expanding |
6/9 |
5/9 |
Research question bank — earlier calls
During our 1,600-question research program, batches of experimental hypotheses were tested directly against some of NYCB's earlier calls. The YES answers — the rare hits — are shown; click any question to see every company that matched it. Full list: the question bank.
C
Q3 2021 earnings call
2021-10-27
1 more research questions answered NO
B
Q4 2017 earnings call
2018-02-01
7 more research questions answered NO
How to read this page
The grade is a transparent composite of call quality — candor, specificity, low evasion, low stress, whether the call resolves more doubts than it creates, and the guidance action — not a buy or sell signal. The expected move is a volatility estimate from the one signal that survived our out-of-sample tests: how a stock's own reaction and pre-call volatility predict the size (not direction) of its next move. Full detail, including everything that failed: methodology.
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Not investment advice. Artul.ai publishes AI-generated earnings-call quality grades and expected-volatility estimates — never buy or sell recommendations. We tested over 1,600 predictive hypotheses against 165,000 transcripts; the honest result, including what failed, is documented in our
methodology.