NY COMMTY BANCORP (QC1) fair value: what the stock is really worth
As of Jul 17, 2026: fair value of NY COMMTY BANCORP €10.94, price €13.07, upside -16.3%, quality 34 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range €7.61 – €35.92 · fair‑value band €8.16 – €16.32 · the €13.07 price screens above the €10.94 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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NY COMMTY BANCORP (QC1) currently trades at €13.07, while our model-based Fair Value estimate is €10.94, 16.3% below the price, so the stock looks overvalued today.
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Valuation
How firm this estimate is: it rests on 1 models at a data quality of 95/100, which puts the evidence level at low.
Scenario range: €8.16 (bear) to €16.32 (bull), the price of €13.07 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 34/100 (below-average quality), in the Other sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
NY COMMTY BANCORP reported revenue of $2.1B in FY2025 versus $1.4B in FY2021, a compound +11.2%/yr. Reported net income was −$177M in FY2025.
Key figures
Market cap €5.4B · Dividend yield 6.5% · Net margin −8.6% · Free cash flow −$248M · Net debt $6.3B.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 1% below its 52-week high and 44% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Other peers we cover trades at −10% fair-value upside, at −16%, QC1 screens richer than that median.
Fair Value models
Bear €8.16Fair Value €10.94Bull €16.32
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.34/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−20.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.2%
Start year 2020 (pandemic)
Revenue growth 9 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.1%
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What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Other · 113 stocks
Beats the industry median on 5/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score28 · Bottom 25%
Fair Value upside−16.3% · Below median
Profitability
Return on assets0.0% · Above median
Net margin (TTM)−8.6% · Bottom 25%
Operating margin (TTM)0.0% · Above median
Growth and dividend
Revenue growth0.0% · Top 25%
Dividend yield (TTM)6.5% · Top 25%
Balance sheet
Debt / equity1.01× · Highest 25%
Valuation Multiplesvs Other median · lower = cheaper
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Is NY COMMTY BANCORP (QC1) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of €10.94 versus the last price from Jul 17, 2026 of €13.07, about −16% upside (overvalued).
What is the fair value of QC1?
Our model-based fair value for NY COMMTY BANCORP is €10.94 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Jul 17, 2026): €13.07.
What is the quality score of QC1?
NY COMMTY BANCORP has a Quality Score of 34/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for NY COMMTY BANCORP (QC1)?
Our model-based price target is the fair value of €10.94 (as of Sep 24, 2026) from 1 valuation models. Cautious scenario €8.16, optimistic scenario €16.32. It is a calculation from audited fundamentals, not an analyst target.
What is the NY COMMTY BANCORP stock forecast for 2026?
Our models put fair value at €10.94, about −16% upside versus the last price from Jul 17, 2026 of €13.07 (overvalued). Cautious scenario €8.16, optimistic scenario €16.32. The calculation is refreshed regularly with new filings.
Does NY COMMTY BANCORP pay a dividend?
NY COMMTY BANCORP currently shows a dividend yield of about 6.46% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of NY COMMTY BANCORP (QC1)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For NY COMMTY BANCORP it is €10.94 per share (as of Sep 24, 2026), against a price of €13.07. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is NY COMMTY BANCORP stock overvalued or undervalued in 2026?
As of Sep 24, 2026, QC1 trades above its calculated fair value: price €13.07, fair value €10.94, a gap of about −16% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of QC1?
No. The price is what the market pays today (€13.07); the fair value is what the company's own numbers justify (€10.94). For NY COMMTY BANCORP the two are €2.13 per share apart. That gap is exactly why we show both numbers side by side.
How much is NY COMMTY BANCORP worth?
The market values NY COMMTY BANCORP at about €5.4B (market capitalisation, as of Sep 24, 2026). Per share that is €13.07; our models calculate a fair value of €10.94 per share.
What do the bullish and bearish scenarios say about QC1?
Our models span a range for NY COMMTY BANCORP: cautious scenario €8.16, base €10.94, optimistic €16.32 per share (as of Sep 24, 2026, price €13.07). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of QC1?
The PEG ratio of NY COMMTY BANCORP is 0.47 (P/E divided by earnings growth, as of Sep 24, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of NY COMMTY BANCORP (QC1)?
Balance-sheet figures for NY COMMTY BANCORP (as of Sep 24, 2026): debt of 1.01 per unit of equity. They feed the Quality Score of 34/100, which measures business quality independently of the share price.
How far is QC1 from its 52-week high?
NY COMMTY BANCORP trades at €13.07, about 1% below its 52-week high of €13.16 and 44% above the low of €9.08 (as of Jul 17, 2026). Distance from the high says nothing about value: that is what the fair value of €10.94 is for.
Which stocks are comparable to NY COMMTY BANCORP?
From the same area (Other) we also value 542772, 590024, Indiabulls Real Estate Limited, 542851, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is NY COMMTY BANCORP stock attractive at the current price?
The data as of Sep 24, 2026: price €13.07, calculated fair value €10.94 (−16%), Quality Score 34/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of QC1 calculated?
We run NY COMMTY BANCORP through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €10.94, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. NY COMMTY BANCORP itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of NY COMMTY BANCORP (QC1)?
The latest price we hold is from Jul 17, 2026 and stands at €13.07. Our model-based fair value is €10.94, about −16% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with NY COMMTY BANCORP right now?
Weak quality (34/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range (€8.16 to €16.32) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
Key figures of NY COMMTY BANCORP
How large is the market capitalisation of NY COMMTY BANCORP (QC1)?
The market capitalisation of NY COMMTY BANCORP is €5.4B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the dividend yield of NY COMMTY BANCORP (QC1)?
The dividend yield of NY COMMTY BANCORP is 6.5%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of NY COMMTY BANCORP (QC1)?
The net margin of NY COMMTY BANCORP is −8.6% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
How much free cash flow does NY COMMTY BANCORP (QC1) generate?
The free cash flow of NY COMMTY BANCORP is −$248M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does NY COMMTY BANCORP (QC1) carry?
The net debt of NY COMMTY BANCORP is $6.3B (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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