New York Community Bancorp, Inc. Financial Ratios — NYCB

Profitability (USD)

	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Return on Common Equity (%)	260.14	232.33	155.97	138.95	116.12	108.33	- -	- -	234.84	143	111.55	113.01	90.44	68.78	-14.95
Return on Assets (%)	1.07	1.3	1.15	1.16	1.05	1.02	-0.1	1	0.95	0.84	0.75	0.93	1.03	0.87	-0.08
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.69	3.42	3.52	3.12	3.19	2.66	5.99	2.45	2.42	2.88	2.59	2.07	1.56	1.55	4.54
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	64.95	55.81	52.16	54.03	54.33	56.98	-21.47	54	48.92	49.68	50.24	50.65	59.7	55.74	-1.38
Profit Margin (%)	43.65	36.05	34.09	34.67	34.58	35.77	-7.67	34.42	34.13	37.63	37.94	44.01	44.15	43.86	-2.17
Net Income to Common Margin (%)	43.65	36.05	34.09	34.67	34.58	35.77	-7.67	34.42	32.33	34.71	34.77	41.17	41.7	41.63	-3.08
Effective Tax Rate (%)	32.79	35.4	34.65	35.83	36.35	37.21	- -	36.25	30.23	24.25	24.47	13.1	26.05	21.31	- -
Dvd Payout Ratio (%)	87.18	80.29	91.02	87.51	92.59	91.1	-962.72	66.78	75.22	85.49	87.57	66.11	56.13	51.38	-433.93
Sustainable Growth Rate (%)	33.34	45.8	14.01	17.35	8.6	9.64	- -	- -	58.2	20.75	13.87	38.3	39.68	33.44	-79.84

Credit (USD)

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	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Total Debt	10,696	10,020	9,930	9,201	11,231	10,541	13,822	12,023	12,464	13,708	14,044	15,551	19,512	31,657	21,267
ST Debt	657	608	94	- -	- -	- -	- -	- -	- -	- -	- -	- -	3,750	10,325	7,350
LT Debt	10,040	9,411	9,835	9,201	11,231	10,541	13,822	12,023	12,464	13,708	14,044	15,551	15,762	21,332	13,917
Total Debt/EBITDA	249.95	195.02	200.19	203.94	255.96	292.1	375.19	341.55	377.56	424.09	520.13	647.96	929.14	1,376.39	128.89
Net Debt/EBITDA	187.54	157.5	159.83	150.14	241.27	276.46	360.6	325.71	300.98	378.46	482.06	555.67	823.86	1,288.04	59.35
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	0.43	0.69	0.78	0.89	0.91	0.97	-0.06	0.27	0.49	0.58	0.65	0.89	1.25	1.16	0.39
Long-Term Debt/Equity (%)	187.07	170.3	176.71	162.67	195.8	182.32	232.91	196.33	183.41	205.97	209.24	227.29	223.76	241.75	166.33
Long-Term Debt/Capital (%)	92.31	91.32	95.87	95.91	96.34	95.74	100.23	98.9	94.36	94.45	94.29	93.95	75.92	64.24	62.63
Long-Term Debt/Total Assets (%)	23.82	22.85	23.4	20.84	24.05	21.71	27.47	24.57	25.37	26.41	26.18	27.62	26.48	23.66	12.2
Total Debt/Equity (%)	199.3	181.31	178.41	162.67	195.8	182.32	232.91	196.33	183.41	205.97	209.24	227.29	277	358.76	254.18
Total Debt/Capital (%)	98.35	97.22	96.79	95.91	96.34	95.74	100.23	98.9	94.36	94.45	94.29	93.95	93.98	95.33	95.71
Total Debt/Total Assets (%)	25.37	24.32	23.63	20.84	24.05	21.71	27.47	24.57	25.37	26.41	26.18	27.62	32.78	35.12	18.65
Net Debt to Equity	149.53	146.43	142.44	119.75	184.57	172.56	223.85	187.22	146.21	183.81	193.93	194.91	245.61	335.73	117.03
Net Debt/Capital (%)	97.81	96.58	96.01	94.53	96.12	95.51	100.24	98.85	93.02	93.83	91.97	91.31	93.27	95.03	91.13
EBITDA	43	51	50	45	44	36	37	35	33	32	27	24	21	23	165
EBITDA-CapEx	35	3	9	6	7	-37	2	-49	5	22	27	24	17	20	99
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	0.43	0.69	0.78	0.89	0.91	0.97	-0.06	0.27	0.49	0.58	0.65	0.89	1.25	1.16	0.39
Long-Term Debt/Equity (%)	187.07	170.3	176.71	162.67	195.8	182.32	232.91	196.33	183.41	205.97	209.24	227.29	223.76	241.75	166.33
Long-Term Debt/Capital (%)	92.31	91.32	95.87	95.91	96.34	95.74	100.23	98.9	94.36	94.45	94.29	93.95	75.92	64.24	62.63
Long-Term Debt/Total Assets (%)	23.82	22.85	23.4	20.84	24.05	21.71	27.47	24.57	25.37	26.41	26.18	27.62	26.48	23.66	12.2
Total Debt/Equity (%)	199.3	181.31	178.41	162.67	195.8	182.32	232.91	196.33	183.41	205.97	209.24	227.29	277	358.76	254.18
Total Debt/Capital (%)	98.35	97.22	96.79	95.91	96.34	95.74	100.23	98.9	94.36	94.45	94.29	93.95	93.98	95.33	95.71
Total Debt/Total Assets (%)	25.37	24.32	23.63	20.84	24.05	21.71	27.47	24.57	25.37	26.41	26.18	27.62	32.78	35.12	18.65
CFO/Total Liabilities	0.59	-0.2	2.28	1.5	3.36	1.69	-0.95	1.77	3.13	1.19	1.09	0.68	0.55	1.26	0.25
CFO/CapEx	29.17	-1.43	20.38	14.86	36.95	9.83	-12.08	8.98	47.75	54.88	- -	- -	72.5	342	3.98
Altman's Z-Score	0.06	0.11	0.09	0.09	0.1	0.1	0.07	0.1	0.1	0.07	0.08	0.08	0.1	0.06	0.08

Working Capital (USD)

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	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.92	6.03	13.85	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	36.78	60.56	26.35	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Market Capitalization	2,101	3,574	2,520	2,892	3,997	4,063	4,476	4,942	4,273	3,281	4,243	3,972	4,888	3,843	7,196
- Cash & Cash Equivalents	2,671	1,928	2,002	2,427	645	564	538	558	2,528	1,475	742	1,948	2,211	2,032	11,475
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	503	503	503	503	503	503	503
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	10,696	10,020	9,930	9,201	11,231	10,541	13,822	12,023	12,464	13,708	14,044	15,551	19,512	31,657	21,267
Enterprise Value	8,607	11,013	9,723	9,236	14,303	13,867	17,557	16,303	12,443	11,632	13,566	13,543	18,080	25,345	11,168
Total Capital	10,876	10,306	10,259	9,593	11,658	11,010	13,791	12,157	13,209	14,513	14,893	16,553	20,761	33,208	22,220
Total Debt/Capital (%)	98.35	97.22	96.79	95.91	96.34	95.74	100.23	98.9	94.36	94.45	94.29	93.95	93.98	95.33	95.71
Total Debt / EV	1.24	0.91	1.02	1	0.79	0.76	0.79	0.74	1	1.18	1.04	1.15	1.08	1.25	1.9
EV/Sales	9.42	7.34	6.9	6.39	10.4	10.22	28.55	11.33	9.11	10.36	13.03	11.67	13.39	17.1	3.07
EV/EBITDA	201.14	214.35	196.03	204.72	325.98	384.23	476.56	463.14	376.95	359.87	502.46	564.3	860.95	1,101.96	67.68
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	39.96	- -	11.71	16.03	10.39	19.19	- -	21.58	9.38	21.53	26.6	40.55	62.34	24.7	42.46
EV/Free Cash Flow to Firm	38.63	- -	11.16	15.02	10.12	17.42	- -	19.41	9.19	21.14	26.6	40.55	61.5	24.63	33.95
Diluted Market Cap	2,101	3,578	2,521	2,892	3,997	4,063	4,476	4,942	4,273	3,281	4,245	3,978	4,888	3,855	7,196
Diluted Enterprise Value	10,126	11,670	10,449	9,665	14,583	14,040	17,761	16,408	14,712	16,017	18,050	18,084	22,692	33,983	17,491
EV per Share	73.39	76.17	66.9	63.3	97.68	94.33	117.31	100.81	76.64	71.61	87.45	87.83	116.88	157.23	46.95
TTM Sales	913	1,501	1,408	1,445	1,375	1,357	615	1,439	1,366	1,123	1,041	1,161	1,350	1,482	3,633
TTM EBITDA	43	51	50	45	44	36	37	35	33	32	27	24	21	23	165
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	215	-70	830	576	1,376	722	-420	756	1,327	540	510	334	290	1,026	263
TTM Free Cash Flow to Firm	223	-21	871	615	1,413	796	-386	840	1,354	550	510	334	294	1,029	329

Multiples (USD)

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	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Price/Free Cash Flow	9.43	-170.06	2.89	4.7	2.83	5.1	-11.61	5.88	3.15	5.96	8.32	11.91	16.63	3.75	21.87
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	8,607	11,013	9,723	9,236	14,303	13,867	17,557	16,303	12,443	11,632	13,566	13,543	18,080	25,345	11,168
Low Price	23.04	42.72	33.39	34.41	38.7	41.25	42.78	41.22	35.01	25.83	27.6	23.16	30.84	24.51	17.43
EV/Sales	9.42	7.34	6.9	6.39	10.4	10.22	28.55	11.33	9.11	10.36	13.03	11.67	13.39	17.1	3.07
EV/EBITDA	201.14	214.35	196.03	204.72	325.98	384.23	476.56	463.14	376.95	359.87	502.46	564.3	860.95	1,101.96	67.68
Price/Earnings	5.27	6.61	5.25	5.77	8.41	8.37	- -	9.98	9.68	8.42	11.72	8.31	8.68	6.23	- -
Price/Earnings Average	3.93	5.59	6.11	5.58	7.06	8.06	-97.58	9.28	9.73	10.04	10.92	7.55	8.37	6.99	-62.9
Price/Earnings High	13.07	15.5	17.48	13.15	15.59	15.8	-182.62	17.31	17.93	18.17	17.73	11.66	11.81	10.63	-90.61
Price/Earnings Low	6.78	11.42	10.11	10.02	11.92	12.49	-135.77	13.46	12.87	10.77	11.83	7.47	8.47	6.4	-37.02
Price/Book Value	11.7	12.49	7.65	7.38	9.36	8.66	-141.13	37.07	17.6	10.86	12.23	7.96	6.55	3.67	15.99
Price/Book Value Average	8.72	10.58	8.91	7.13	7.86	8.34	-145.07	34.47	17.7	12.95	11.4	7.23	6.32	4.12	15.66
Price/Book Value High	29.03	29.29	25.47	16.81	17.36	16.35	-271.5	64.34	32.61	23.44	18.5	11.17	8.91	6.26	22.55
Price/Book Value Low	15.05	21.58	14.74	12.81	13.26	12.93	-201.86	50	23.41	13.89	12.34	7.16	6.39	3.77	9.21
Price/Tangible Book Value	0.74	1.23	0.85	0.95	1.31	1.31	1.38	1.43	1.11	0.88	1.12	1.02	1.19	0.84	1.17
Price/Tangible Book Value Average	0.55	1.04	0.99	0.92	1.1	1.26	1.42	1.33	1.12	1.05	1.05	0.92	1.14	0.94	1.15
Price/Tangible Book Value High	1.84	2.89	2.83	2.16	2.44	2.47	2.65	2.48	2.06	1.91	1.7	1.42	1.62	1.43	1.66
Price/Tangible Book Value Low	0.96	2.13	1.64	1.65	1.86	1.95	1.97	1.93	1.48	1.13	1.13	0.91	1.16	0.86	0.68
Price/Sales	2.3	2.38	1.79	2	2.91	2.99	7.28	3.43	3.13	2.92	4.08	3.42	3.62	2.59	1.98
Price/Sales Average	1.71	2.02	2.08	1.93	2.44	2.88	7.48	3.19	3.15	3.48	3.8	3.11	3.49	2.91	1.94
Price/Sales High	5.71	5.59	5.96	4.56	5.39	5.65	14.01	5.96	5.8	6.31	6.16	4.8	4.93	4.43	2.79
Price/Sales Low	2.96	4.12	3.45	3.47	4.12	4.47	10.41	4.63	4.16	3.74	4.11	3.08	3.53	2.67	1.14
Price/Cash Flow	9.75	-51.29	3.04	5.02	2.91	5.62	-10.65	6.54	3.22	6.07	8.32	11.89	16.86	3.75	27.36
Price/Cash Flow Average	7.27	-43.44	3.54	4.85	2.44	5.41	-10.94	6.08	3.24	7.24	7.75	10.81	16.25	4.2	26.79
Price/Cash Flow High	24.19	-120.33	10.1	11.44	5.39	10.62	-20.48	11.35	5.97	13.1	12.58	16.69	22.93	6.39	38.59
Price/Cash Flow Low	12.54	-88.64	5.85	8.72	4.12	8.39	-15.23	8.82	4.28	7.76	8.4	10.69	16.45	3.85	15.77
Price/Free Cash Flow Average	7.03	-144.02	3.37	4.55	2.38	4.91	-11.93	5.47	3.17	7.11	7.76	10.82	16.02	4.21	21.41
Price/Free Cash Flow High	23.39	-398.94	9.63	10.72	5.25	9.64	-22.33	10.21	5.84	12.87	12.59	16.71	22.62	6.39	30.85
Price/Free Cash Flow Low	12.13	-293.89	5.57	8.17	4.01	7.62	-16.6	7.94	4.2	7.63	8.4	10.71	16.23	3.85	12.6
EV/Sales Average	10.5	7.41	7.71	6.62	10.14	10.24	29.09	11.16	10.79	14.83	17.06	15.26	16.68	23.24	4.77
EV/Sales High	14.49	10.98	11.59	9.24	13.09	13.01	35.61	13.93	13.44	17.65	19.43	16.95	18.11	24.76	5.63
EV/Sales Low	11.75	9.51	9.08	8.16	11.82	11.82	32.02	12.6	11.8	15.08	17.37	15.23	16.72	23	3.98
EV/EBITDA Average	224.13	216.41	219.01	212.11	317.82	384.81	485.5	456.26	446.36	515.02	657.75	738.15	1,072.15	1,497.45	105.09
EV/EBITDA High	309.31	320.69	328.96	296.16	410.3	488.96	594.34	569.37	556.02	613.06	748.97	820.02	1,164.47	1,595.1	123.9
EV/EBITDA Low	250.68	277.72	257.67	261.42	370.42	444.48	534.38	515.07	488.4	523.82	669.85	736.55	1,074.97	1,481.7	87.52
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	17.91	24.72	17.34	19.82	27.3	27.64	29.91	30.56	26.32	20.2	27.35	25.76	31.6	23.84	30.25
High Price	44.43	57.99	57.72	45.15	50.65	52.17	57.54	53.04	48.76	43.59	41.37	36.15	42.99	40.69	42.66
Enterprise Value Average	9,591	11,119	10,863	9,569	13,945	13,887	17,886	16,061	14,735	16,647	17,759	17,716	22,515	34,441	17,340
Enterprise Value High	13,237	16,476	16,317	13,361	18,002	17,646	21,896	20,043	18,355	19,816	20,222	19,680	24,454	36,687	20,443
Enterprise Value Low	10,728	14,269	12,781	11,794	16,252	16,041	19,687	18,131	16,123	16,931	18,086	17,677	22,574	34,079	14,441

Shares Outstanding	144	145	146	146	147	148	162	162	163	158	156	155	155	227	241
Diluted Weighted Avg Shares	117	145	145	146	146	147	150	162	162	162	155	154	155	162	238
Basic Weighted Avg Shares	117	145	145	146	146	147	150	162	162	162	155	154	155	161	238
Revenue per Share	7.79	10.38	9.69	9.91	9.39	9.23	4.11	8.9	8.41	6.91	6.71	7.53	8.73	9.19	15.27
EBITDA per Share	0.36	0.36	0.34	0.31	0.3	0.25	0.25	0.22	0.2	0.2	0.17	0.16	0.14	0.14	0.69
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	3.4	3.74	3.3	3.43	3.25	3.3	-0.32	3.06	2.72	2.4	2.33	3.1	3.64	3.83	-0.47
Basic EPS from Cont Ops	3.4	3.74	3.3	3.43	3.25	3.3	-0.32	3.06	2.87	2.6	2.55	3.31	3.85	4.03	-0.33
Diluted EPS, GAAP	3.4	3.74	3.3	3.43	3.25	3.3	-0.32	3.06	2.72	2.4	2.33	3.1	3.64	3.82	-0.47
Diluted EPS from Cont Ops	3.4	3.74	3.3	3.43	3.25	3.3	-0.32	3.06	2.87	2.6	2.54	3.31	3.85	4.02	-0.33
Dividend per Share	2.96	3	3.01	3.01	3.01	3.01	3.03	2.05	2.2	2.25	2.26	2.26	2.26	2.17	2.18
Cash Flow per Share	1.84	-0.48	5.71	3.95	9.4	4.91	-2.81	4.67	8.17	3.33	3.29	2.17	1.87	6.36	1.11
Free Cash Flow per Basic Share	1.77	-0.82	5.43	3.68	9.14	4.41	-3.04	4.15	8	3.27	3.29	2.17	1.85	6.35	0.83
Cash & Equivalents per Share	35.72	17.85	18.76	19.58	6.32	5.02	4.96	4.09	29.54	36.08	33.67	42.04	44.11	66.12	74.82
Book Value per Share	1.53	1.98	2.27	2.69	2.92	3.19	-0.21	0.82	1.5	1.86	2.24	3.24	4.82	6.5	1.89
Tangible Book Value per Share	24.08	20.09	20.37	20.86	20.78	21.16	21.7	21.36	23.71	22.88	24.38	25.38	26.6	28.38	25.76

New York Community Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)