Dime Community Bancshares, Inc. DCOM R2K

Financial Services · Banks - Regional · United States

https://www.dime.com

Dime Community Bancshares, Inc. operates as the holding company for Dime Community Bank that engages in the provision of various commercial banking and financial services. It accepts time, savings, and demand deposits from the businesses, consumers, and local municipalities. The company offers commercial real estate loans; multi-family mortgage loans; residential mortgage loans; letters of credit; secured and unsecured commercial and consumer loans; lines of credit; home equity loans; and construction and land loans. In addition, it invests in Federal Home Loan Bank, Federal National Mortgage Association, Government National Mortgage Association, and Federal Home Loan Mortgage Corporation mortgage-backed securities, collateralized mortgage obligations, and other asset backed securities; U.S. Treasury securities; New York state and local municipal obligations; U.S. government-sponsored enterprise securities; and corporate bonds. Further, the company offers certificate of deposit account registry services and insured cash sweep programs; federal deposit insurance corporation insurance; merchant credit and debit card processing, automated teller machines, cash management services, lockbox processing, online banking services, remote deposit capture, safe deposit boxes, and individual retirement accounts; investment products and services through a third-party broker dealer; and title insurance broker services for small and medium sized businesses, and municipal and consumer relationships. Dime Community Bancshares, Inc. was founded in 1910 and is headquartered in Hauppauge, New York.

Market & Price

Market Cap

$1.65B

Current Price

$37.42

High / Low (52W)

$37.66 / $24.61

Beta

0.99

Valuation

Stock P/E

14.07

Industry PE

12.01

Forward P/E

8.59

PEG Ratio

3.76

Book Value

$31.33

Price to Book

1.19

P/S

3.87

EV/EBITDA

Dividend Yield

2.67%

Profitability & Returns

ROCE

ROE

8.51%

ROA

0.85%

Profit Margin

29.00%

Op Margin

44.15%

EPS (Latest Qtr)

$0.75

EPS (TTM)

$2.66

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$777.79M

Total Assets

$15.34B

Current Assets

Working Capital

Ownership

Promoter Holding

4.38%

Chg in Prom Hold

FII / Inst Holding

89.98%

Chg in FII Hold

-0.00%

Financial Snapshot

Enterprise Value

$414.66M

Total Revenue (TTM)

$426.96M

EBITDA

Free Cash Flow

Operating Cash Flow

$169.12M

Shares Outstanding

44.11M

Gross Margin

0.00%

Payout Ratio

37.59%

Growth (CAGR)

Revenue 5Y

2.71%

Profit 5Y

-10.14%

Revenue (YoY)

18.10%

Earnings (YoY)

65.90%

PROS

Excellent profit margin of 29.0%.
Attractive dividend yield of 2.67%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Earnings shrank at -10.1% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	DCOM Dime Community Bancshares, Inc. R2K	37.42	14.07	$1.65B	2.67%	-	8.51%	2.71%	-10.14%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.20M	1.08M	1.63M	-	2.92M	3.88M	4.58M	4.06M	4.34M	3.87M	3.81M	4.86M	3.96M	4.54M	3.97M	4.27M	103.85M	109.69M	115.61M	123.78M	123.92M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	67.65M	69.45M	72.14M	68.19M	61.15M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	28.71M	40.17M	40.09M	47.83M	48.53M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7.25M	10.47M	12.42M	15.97M	13.95M
Net Income	4.76M	463.00K	7.89M	8.63M	8.85M	8.85M	9.16M	9.17M	8.84M	9.44M	-6.92M	12.07M	6.74M	6.55M	13.86M	12.93M	10.65M	13.90M	14.21M	8.39M	12.97M	15.87M	8.98M	-21.03M	51.28M	38.40M	34.53M	38.48M	39.48M	37.30M	27.50M	14.98M	17.69M	18.48M	13.33M	21.46M	29.70M	27.67M	31.86M	34.58M
Diluted EPS	0.41	0.04	0.45	0.49	0.50	0.50	0.50	0.47	0.45	0.48	-0.35	0.61	0.34	0.33	0.70	0.65	0.53	0.70	0.71	0.37	0.55	0.65	0.45	-0.66	1.19	0.89	0.82	0.94	0.98	0.92	0.66	0.34	0.41	0.43	0.29	0.45	0.64	0.59	0.68	0.75

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	5.80M	5.57M	-	418.02M	352.78M	314.10M	452.93M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	59.36M	292.79M	332.10M	277.44M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	211.91M	136.88M	51.44M	156.80M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	59.36M	40.78M	22.36M	46.12M
Net Income	8.76M	9.17M	10.36M	12.77M	13.09M	13.76M	21.11M	35.49M	20.54M	39.23M	36.19M	42.32M	-	152.56M	96.09M	29.08M	110.68M
Diluted EPS	1.41	1.45	1.54	1.48	1.36	1.18	1.43	2.00	1.04	1.97	1.55	1.74	-	3.73	2.29	0.55	2.36

Compounded Sales Growth

5 Years:	2.71%
1 Year:	18.10%

Compounded Profit Growth

5 Years:	-10.14%
1 Year:	65.90%

Stock Price Performance

1 Year:	+50.70%
6 Months:	+32.87%
3 Months:	+16.48%
1 Month:	+5.29%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	1.03B	1.34B	1.62B	1.90B	2.29B	3.78B	4.05B	4.43B	4.70B	4.92B	6.78B	12.07B	13.19B	13.64B	14.35B	15.34B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	28.89M	34.15M	22.92M	79.55M	51.25M	45.57M	51.73M	104.56M	113.84M	94.75M	295.37M	117.19M	876.83M	-	169.30M	457.55M	1.28B	2.35B
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	48.56M	55.67M	55.97M	55.57M
Total Liabilities	-	-	962.74M	1.23B	1.51B	1.74B	2.11B	3.44B	3.65B	4.00B	4.25B	4.42B	6.08B	10.87B	12.02B	12.41B	12.96B	13.87B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.33B	1.51B	880.33M	780.50M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.39B	1.57B	979.32M	826.23M
Total Equity	56.14M	61.85M	65.72M	106.99M	118.67M	159.46M	175.12M	341.13M	407.99M	429.20M	602.08M	596.76M	701.10M	1.19B	1.17B	1.23B	1.40B	1.48B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	41.62M	41.64M	46.14M	46.15M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-	-	-	-	-	-	-	44.24M	46.83M	58.38M	68.49M	59.93M	-	295.17M	90.87M	99.06M	186.57M
Investing Cash Flow	-	-	-	-	-	-	-	-279.55M	-411.78M	-80.55M	-10.37M	-324.38M	-	-1.33B	-214.05M	64.12M	-69.45M
Financing Cash Flow	-	-	-	-	-	-	-	244.59M	345.87M	222.79M	-49.89M	352.57M	-	812.59M	411.42M	662.84M	953.28M
Capital Expenditure	-4.38M	-3.99M	-2.03M	-3.59M	-4.03M	-5.23M	-4.33M	-4.27M	-2.07M	-5.33M	-3.31M	-5.13M	-	-3.75M	-5.72M	-6.26M	-4.13M
Free Cash Flow	-	-	-	-	-	-	-	39.97M	44.76M	53.06M	65.18M	54.80M	-	291.43M	85.15M	92.80M	182.44M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-224.43M	288.25M	826.02M	1.07B
Share Buybacks	-	-	-	-	-	-	-	-	-	-	24.19M	35.36M	59.28M	46.76M	947.00K	-	-

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	623.4%	759.6%	-	36.5%	27.2%	9.3%	24.4%
ROE %	14.2%	13.9%	9.7%	10.8%	8.2%	7.9%	6.2%	8.7%	4.8%	6.5%	6.1%	6.0%	-	13.0%	7.8%	2.1%	7.5%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

4.38%

Institutions

89.98%

Public Float

94.10%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	13.74%	6.06M	$226.74M
2	Wellington Management Group, LLP	9.84%	4.34M	$162.45M
3	Dimensional Fund Advisors LP	5.34%	2.35M	$88.08M
4	Basswood Capital Management, L.L.C.	4.58%	2.02M	$75.64M
5	T. Rowe Price Investment Management, Inc.	4.51%	1.99M	$74.52M
6	State Street Corporation	4.29%	1.89M	$70.82M
7	Vanguard Capital Management LLC	4.18%	1.84M	$69.02M
8	Systematic Financial Management, L.P.	2.74%	1.21M	$45.30M
9	Geode Capital Management, LLC	2.33%	1.03M	$38.41M
10	Vanguard Portfolio Management LLC	1.81%	798.79K	$29.89M

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