Analyst Coverage

Earnings Estimates

Year	Q1	Q2	Q3	Q4	Full Year	Number of Analysts Reporting
2019	$0.19	$0.19	$0.20	$0.21	$0.80	16
2020	$0.21	$0.22	$0.23	$0.23	$0.88	16

* Full-year estimates do not necessarily represent the sum of the quarterly estimates; however, this is how they were reported.

Covering Analysts

Firm	Analyst
American Capital Partners, LLC 205 Oser Avenue Hauppauge, NY 11788	Anthony Polini Nicole Gulino
B. Riley FBR, Inc. 299 Park Avenue – 7th Floor New York, NY 10171	Steve Moss
Bank of America Securities-Merrill Lynch One Bryant Park New York, NY 10036	Ebrahim Poonawala
Credit Suisse 11 Madison Avenue New York, NY 10010	Moshe Orenbuch
Deutsche Bank 60 Wall Street New York, NY 10005	David P. Rochester, II
FIG Partners, LLC 1175 Peachtree Street NE - Suite 2250 Atlanta, GA 30361	Christopher Marinac
Jefferies LLC 520 Madison Ave - 10th Floor New York, NY 10022	Casey Haire
J.P. Morgan 383 Madison Avenue New York, NY 10179	Steven Alexopoulos
Keefe, Bruyette & Woods, Inc. 787 Seventh Avenue - 4th Floor New York, NY 10019	Collyn Gilbert
Morgan Stanley 1585 Broadway - 34th Floor New York, NY 10036	Ken A. Zerbe Jonathan Katz
Piper Jaffray 1300 SW Fifth Avenue - Suite 3650 Portland, OR 97201	Matthew M. Breese
Raymond James 46165 Westlake Drive - 200 Sterling, VA 20165	William J. Wallace, IV
Sandler O'Neill & Partners, L.P. 1251 Avenue of The Americas – 6th Floor New York, NY 10020	Mark Fitzgibbon
Stephens Research Two Union Street Portland, ME 04101	Austin Nicholas
UBS Financial Services, Inc. 1285 Avenue of the Americas - 13th Floor New York, NY 10019	Brock Vandervliet
Wedbush Securities 142 West 57th Street - 5th Floor New York, NY 10019	Peter J. Winter

Disclaimer: Information regarding analyst estimates and recommendations has been obtained from SNL Financial LC based on the earnings projections made by certain analysts who cover New York Community Bancorp, Inc. New York Community Bancorp, Inc. does not approve or review for accuracy any estimates, reports or statements by securities analysts about the Company. Please note that any opinions, estimates or forecasts regarding the performance of New York Community Bancorp, Inc. made by these analysts (and therefore the estimates and recommendations on this page) are theirs alone and do not represent opinions, forecasts or predictions of New York Community Bancorp, Inc. or its management. New York Community Bancorp, Inc. does not by its reference above or distribution imply its endorsement of or concurrence with such information, conclusions or recommendations.