<SEC-DOCUMENT>0001193125-23-146252.txt : 20230517
<SEC-HEADER>0001193125-23-146252.hdr.sgml : 20230517
<ACCEPTANCE-DATETIME>20230516182756
ACCESSION NUMBER:		0001193125-23-146252
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20230517
DATE AS OF CHANGE:		20230516

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NEW YORK COMMUNITY BANCORP INC
		CENTRAL INDEX KEY:			0000910073
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		IRS NUMBER:				061377322
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		FWP
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	333-268056
		FILM NUMBER:		23929134

	BUSINESS ADDRESS:	
		STREET 1:		102 DUFFY AVENUE
		CITY:			HICKSVILLE
		STATE:			NY
		ZIP:			11801
		BUSINESS PHONE:		5166834100

	MAIL ADDRESS:	
		STREET 1:		102 DUFFY AVENUE
		CITY:			HICKSVILLE
		STATE:			NY
		ZIP:			11801

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	QUEENS COUNTY BANCORP INC
		DATE OF NAME CHANGE:	19930802

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NEW YORK COMMUNITY BANCORP INC
		CENTRAL INDEX KEY:			0000910073
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		IRS NUMBER:				061377322
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		FWP

	BUSINESS ADDRESS:	
		STREET 1:		102 DUFFY AVENUE
		CITY:			HICKSVILLE
		STATE:			NY
		ZIP:			11801
		BUSINESS PHONE:		5166834100

	MAIL ADDRESS:	
		STREET 1:		102 DUFFY AVENUE
		CITY:			HICKSVILLE
		STATE:			NY
		ZIP:			11801

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	QUEENS COUNTY BANCORP INC
		DATE OF NAME CHANGE:	19930802
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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">Free Writing Prospectus </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">Filed pursuant to Rule 433 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">Supplementing the </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">Prospectus, dated
October 28, 2022 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">Registration No. 333-268056 </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top"> <P STYLE="font-size:24pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>NEWS RELEASE</B></P></TD></TR>
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<TD VALIGN="bottom" COLSPAN="5" ALIGN="center"><FONT STYLE="font-size:10pt">102 Duffy Avenue, Hicksville, NY 11801 &#149; Phone: (516) <FONT STYLE="white-space:nowrap">683-4420</FONT> &#149; www.myNYCB.com</FONT></TD></TR>
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<TD VALIGN="top">FOR IMMEDIATE RELEASE</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="right">Investor and Media Contact:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Salvatore J. DiMartino</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">(516) <FONT
STYLE="white-space:nowrap">683-4286&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>NEW YORK COMMUNITY BANCORP, INC. ANNOUNCES THE PRICING OF THE SECONDARY OFFERING </U></B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>OF ITS COMMON STOCK BY THE FEDERAL DEPOSIT INSURANCE CORPORATION </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Hicksville, N.Y., May&nbsp;16, 2023 &#150; New York Community Bancorp, Inc. (NYSE: NYCB) (the &#147;Company&#148;) today announced that the previously
announced underwritten public offering of 39,032,006 shares of the Company&#146;s common stock by the Federal Deposit Insurance Corporation, as receiver for Signature Bridge Bank, National Association (the &#147;FDIC Receiver&#148;), as the selling
shareholder, was priced. The Company is not selling any shares in, nor will it receive any proceeds from, the offering. The FDIC Receiver will receive all of the net proceeds from the offering. The offering is expected to close on May&nbsp;19, 2023,
subject to customary closing conditions. Upon the completion of the offering, it is expected that the FDIC Receiver will own no shares of the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Prior to the offering, the FDIC Receiver owned 39,032,006 shares of common stock, which it acquired pursuant to an Equity Appreciation Instrument issued to
the FDIC Receiver by the Company as part of the consideration for the purchase and assumption of certain assets and liabilities of Signature Bridge Bank, National Association. Pursuant to the terms of Equity Appreciation Instrument, the FDIC
Receiver agreed to use all reasonable efforts to sell the shares it owns by no later than June&nbsp;8, 2023 and the Company agreed to use reasonable efforts to facilitate such a sale. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Barclays is acting as sole bookrunning manager for the offering. The underwriter may offer the shares from time to time to purchasers directly or through
agents, or through brokers in brokerage transactions on the New York Stock Exchange, or to dealers in negotiated transactions or in a combination of such methods of sale, at a fixed price or prices, which may be changed, or at market prices
prevailing at the time of sale, at prices related to such prevailing market prices or at negotiated prices. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company common stock is being offered
pursuant to an automatic shelf registration statement (including a prospectus) filed by the Company with the Securities and Exchange Commission (the &#147;SEC&#148;) and became effective upon filing. Before considering an investment, investors
should read the prospectus in that registration statement, the prospectus supplement related to this offering and other documents the Company has filed with the SEC for more complete information about the Company and this offering. These documents
are available without charge by visiting EDGAR on the SEC website at www.sec.gov. Alternatively, a copy of the prospectus supplement and accompanying prospectus may be requested by calling the Company at (516)
<FONT STYLE="white-space:nowrap">683-4420</FONT> or by contacting Barclays Capital Inc. c/o Broadridge Financial Solutions, 1155 Long Island Avenue, Edgewood, NY 11717, at Barclaysprospectus@broadridge.com or (888)
<FONT STYLE="white-space:nowrap">603-5847.</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This press release shall not constitute an offer to sell or the solicitation of an offer to buy, nor
shall there be any sale of these securities in any state of jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such state or jurisdiction. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>About New York Community Bancorp, Inc. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York
Community Bancorp, Inc. is the parent company of Flagstar Bank, N.A., one of the largest regional banks in the country. The Company is headquartered in Hicksville, New York with regional headquarters in Troy, Michigan. At March&nbsp;31, 2023, the
Company had $123.8&nbsp;billion of assets, $83.3&nbsp;billion of loans, deposits of $84.8&nbsp;billion, and total stockholders&#146; equity of $10.8&nbsp;billion. </P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Flagstar Bank, N.A. operates 435 branches, including strong footholds in the Northeast and Midwest and
exposure to high growth markets in the Southeast and West Coast. Flagstar Mortgage operates nationally through a wholesale network of approximately 3,000 third-party mortgage originators. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York Community Bancorp, Inc. has market-leading positions in several national businesses, including multi-family lending, mortgage origination and
servicing, and warehouse lending. The Company is the second-largest multi-family portfolio lender in the country and the leading multi-family portfolio lender in the New York City market area, where it specializes in rent-regulated, <FONT
STYLE="white-space:nowrap">non-luxury</FONT> apartment buildings. Flagstar Mortgage is the 8th largest bank originator of residential mortgages for the <FONT STYLE="white-space:nowrap">12-months</FONT> ending March&nbsp;31, 2023, while we are the
industry&#146;s 6th largest <FONT STYLE="white-space:nowrap">sub-servicer</FONT> of mortgage loans nationwide, servicing 1.5&nbsp;million accounts with $363&nbsp;billion in unpaid principal balances. Additionally, the Company is the 2nd largest
mortgage warehouse lender nationally based on total commitments. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Cautionary Statements Regarding Forward-Looking Information </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This release may include <FONT STYLE="white-space:nowrap">forward-looking</FONT> statements by the Company and our authorized officers pertaining to such
matters as our goals, intentions, and expectations regarding revenues, earnings, loan production, asset quality, capital levels, and acquisitions, among other matters; our estimates of future costs and benefits of the actions we may take; our
assessments of probable losses on loans; our assessments of interest rate and other market risks; and our ability to achieve our financial and other strategic goals, including those related to our merger with Flagstar Bancorp, Inc., which was
completed on December&nbsp;1, 2022, and our recent acquisition of substantial portions of the former Signature Bank through an FDIC-assisted transaction. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">Forward-looking</FONT> statements are typically identified by such words as &#147;believe,&#148; &#147;expect,&#148;
&#147;anticipate,&#148; &#147;intend,&#148; &#147;outlook,&#148; &#147;estimate,&#148; &#147;forecast,&#148; &#147;project,&#148; &#147;should,&#148; and other similar words and expressions, and are subject to numerous assumptions, risks, and
uncertainties, which change over time. Additionally, <FONT STYLE="white-space:nowrap">forward-looking</FONT> statements speak only as of the date they are made; the Company does not assume any duty, and does not undertake, to update our <FONT
STYLE="white-space:nowrap">forward-looking</FONT> statements. Furthermore, because <FONT STYLE="white-space:nowrap">forward-looking</FONT> statements are subject to assumptions and uncertainties, actual results or future events could differ,
possibly materially, from those anticipated in our statements, and our future performance could differ materially from our historical results. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Our <FONT
STYLE="white-space:nowrap">forward-looking</FONT> statements are subject to the following principal risks and uncertainties: general economic conditions and trends, either nationally or locally; conditions in the securities markets; changes in
interest rates; changes in deposit flows, and in the demand for deposit, loan, and investment products and other financial services; changes in real estate values; changes in the quality or composition of our loan or investment portfolios; changes
in competitive pressures among financial institutions or from <FONT STYLE="white-space:nowrap">non-financial</FONT> institutions; changes in legislation, regulations, and policies; the success of our blockchain and fintech activities, investments
and strategic partnerships; the restructuring of our mortgage business; and a variety of other matters which, by their nature, are subject to significant uncertainties and/or are beyond our control. Our forward-looking statements are also subject to
the following principal risks and uncertainties with respect to our merger with Flagstar Bancorp, which was completed on December&nbsp;1, 2022, and our recent acquisition of substantial portions of the former Signature Bank through an FDIC-assisted
transaction; the possibility that the anticipated benefits of the transactions will not be realized when expected or at all; diversion of management&#146;s attention from ongoing business operations and opportunities; the possibility that the
Company may be unable to achieve expected synergies and operating efficiencies in or as a result of the transactions within the expected timeframes or at all; and revenues following the transactions may be lower than expected. Additionally, there
can be no assurance that the Community Benefits Agreement entered into with NCRC, which was contingent upon the closing of the Company&#146;s merger with Flagstar Bancorp, Inc., will achieve the results or outcome originally expected or anticipated
by us as a result of changes to our business strategy, performance of the U.S. economy, or changes to the laws and regulations affecting us, our customers, communities we serve, and the U.S. economy (including, but not limited to, tax laws and
regulations). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">More information regarding some of these factors is provided in the Risk Factors section of our Annual Report on Form <FONT
STYLE="white-space:nowrap">10-K</FONT> for the year ended December&nbsp;31, 2022, our Quarterly Report on Form <FONT STYLE="white-space:nowrap">10-Q</FONT> for the period ended March&nbsp;31, 2023 and in other SEC reports we file. Our <FONT
STYLE="white-space:nowrap">forward-looking</FONT> statements may also be subject to other risks and uncertainties, including those we may discuss in this news release, on our conference call, during investor presentations, or in our SEC filings,
which are accessible on our website and at the SEC&#146;s website, www.sec.gov. </P>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
