(DCOM) Dime Community Bancshares - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 1.622m USD | Total Return: 51.1% in 12m
Avg Turnover: 10.1M
EPS Trend: -20.6%
Qual. Beats: 0
Rev. Trend: 79.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Dime Community Bancshares, Inc. (DCOM) is the holding company for Dime Community Bank, a New York-based institution founded in 1910. The company operates a regional banking model focused on the New York metropolitan area, providing commercial and consumer financial services including deposit accounts, residential and commercial mortgages, and construction lending. Regional banks like DCOM often rely heavily on net interest margin-the difference between interest earned on loans and interest paid on deposits-as a primary revenue driver.
The company maintains a diversified portfolio of investment securities, including U.S. Treasury bonds, municipal obligations, and mortgage-backed securities. Its service suite extends to cash management, merchant processing, and investment products tailored for small to medium-sized businesses and local municipalities. In the current economic environment, regional banks frequently face high sensitivity to commercial real estate valuations and local economic shifts. Investors can find further historical performance data and valuation metrics on ValueRay. Dime Community Bancshares is headquartered in Hauppauge, New York, and operates as a key liquidity provider for its local markets.
- Net interest margin compression occurs as funding costs rise faster than asset yields
- Commercial real estate concentration increases exposure to New York property market volatility
- Expansion of middle-market commercial lending teams drives non-interest income growth
- Municipal deposit levels fluctuate based on local government budgetary and liquidity needs
- Federal Reserve interest rate shifts impact valuation of fixed-rate mortgage-backed security holdings
| Net Income: 123.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.18 > 1.0 |
| NWC/Revenue: -1.37k% < 20% (prev -1.63k%; Δ 254.8% < -1%) |
| CFO/TA 0.01 > 3% & CFO 169.1m > Net Income 123.8m |
| Net Debt (-1.95b) to EBITDA (182.2m): -10.72 < 3 |
| Current Ratio: 0.21 > 1.5 & < 3 |
| Outstanding Shares: last quarter (43.1m) vs 12m ago -1.34% < -2% |
| Gross Margin: 57.42% > 18% (prev 0.46%; Δ 5.70k% > 0.5%) |
| Asset Turnover: 5.11% > 50% (prev 4.58%; Δ 0.53% > 0%) |
| Interest Coverage Ratio: 0.65 > 6 (EBITDA TTM 182.2m / Interest Expense TTM 270.9m) |
| A: -0.68 (Total Current Assets 2.76b - Total Current Liabilities 13.0b) / Total Assets 15.0b |
| B: 0.06 (Retained Earnings 876.1m / Total Assets 15.0b) |
| C: 0.01 (EBIT TTM 176.6m / Avg Total Assets 14.5b) |
| D: 0.06 (Book Value of Equity 843.6m / Total Liabilities 13.5b) |
| Altman-Z'' = -4.13 = D |
| DSRI: 0.89 (Receivables 57.7m/56.0m, Revenue 743.6m/646.2m) |
| GMI: 0.80 (GM 57.42% / 45.72%) |
| AQI: 0.88 (AQ_t 0.81 / AQ_t-1 0.92) |
| SGI: 1.15 (Revenue 743.6m / 646.2m) |
| TATA: -0.00 (NI 123.8m - CFO 169.1m) / TA 15.0b) |
| Beneish M = -3.26 (Cap -4..+1) = AA |
As of May 24, 2026, the stock is trading at USD 36.88 with a total of 170,587 shares traded.
Over the past week, the price has changed by +3.33%,
over one month by +3.04%,
over three months by +13.39% and
over the past year by +51.14%.
Dime Community Bancshares has received a consensus analysts rating of 4.60. Therefore, it is recommended to buy DCOM.
- StrongBuy: 3
- Buy: 2
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 43 | 16.6% |
P/E Forward = 12.8041
P/S = 3.799
P/B = 1.1412
P/EG = 3.7579
Revenue TTM = 743.6m USD
EBIT TTM = 176.6m USD
EBITDA TTM = 182.2m USD
Long Term Debt = 291.1m USD (from longTermDebt, last quarter)
Short Term Debt = 375.0m USD (from shortTermDebt, last quarter)
Debt = 750.9m USD (from shortLongTermDebtTotal, last quarter) + Leases 42.4m
Net Debt = -1.95b USD (calculated: Debt 750.9m - CCE 2.70b)
Enterprise Value = 1.62b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.65 (Ebit TTM 176.6m / Interest Expense TTM 270.9m)
EV/FCF = 9.88x (Enterprise Value 1.62b / FCF TTM 164.2m)
FCF Yield = 10.12% (FCF TTM 164.2m / Enterprise Value 1.62b)
FCF Margin = 22.08% (FCF TTM 164.2m / Revenue TTM 743.6m)
Net Margin = 16.65% (Net Income TTM 123.8m / Revenue TTM 743.6m)
Gross Margin = 57.42% ((Revenue TTM 743.6m - Cost of Revenue TTM 316.7m) / Revenue TTM)
Gross Margin QoQ = 60.24% (prev 58.81%)
Tobins Q-Ratio = 0.11 (Enterprise Value 1.62b / Total Assets 15.0b)
Interest Expense / Debt = 36.08% (Interest Expense 270.9m / Debt 750.9m)
Taxrate = 28.74% (13.9m / 48.5m)
NOPAT = 125.9m (EBIT 176.6m * (1 - 28.74%))
Current Ratio = 0.21 (Total Current Assets 2.76b / Total Current Liabilities 13.0b)
Debt / Equity = 0.50 (Debt 750.9m / totalStockholderEquity, last quarter 1.50b)
Debt / EBITDA = -10.72 (Net Debt -1.95b / EBITDA 182.2m)
Debt / FCF = -11.89 (Net Debt -1.95b / FCF TTM 164.2m)
Total Stockholder Equity = 1.46b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.85% (Net Income 123.8m / Total Assets 15.0b)
RoE = 8.46% (Net Income TTM 123.8m / Total Stockholder Equity 1.46b)
RoCE = 10.06% (EBIT 176.6m / Capital Employed (Equity 1.46b + L.T.Debt 291.1m))
RoIC = 5.34% (NOPAT 125.9m / Invested Capital 2.36b)
WACC = 14.45% (E(1.62b)/V(2.37b) * Re(9.23%) + D(750.9m)/V(2.37b) * Rd(36.08%) * (1-Tc(0.29)))
Discount Rate = 9.23% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 69.01 | Cagr: 4.70%
[DCF] Terminal Value 60.81% ; FCFF base≈149.8m ; Y1≈171.8m ; Y5≈252.8m
[DCF] Fair Price = 85.45 (EV 1.82b - Net Debt -1.95b = Equity 3.77b / Shares 44.1m; r=14.45% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -20.61 | EPS CAGR: -6.65% | SUE: -0.09 | # QB: 0
Revenue Correlation: 79.55 | Revenue CAGR: 6.21% | SUE: 0.61 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.79 | Chg30d=-3.66% | Revisions=-11% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.88 | Chg30d=-3.28% | Revisions=-33% | Analysts=5
EPS current Year (2026-12-31): EPS=3.37 | Chg30d=-2.94% | Revisions=-33% | GrowthEPS=+30.1% | GrowthRev=+13.1%
EPS next Year (2027-12-31): EPS=4.36 | Chg30d=-1.80% | Revisions=-56% | GrowthEPS=+29.3% | GrowthRev=+13.0%
[Analyst] Revisions Ratio: -56%