DCOM Stock Analysis: Dime Community Bancshares | NYSE
Banks - Regional | NYSE, USA | Market Cap: 1.741m USD | 12M Return: 32.9% | US25432X1028 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 11.8M
EPS Trend: 18.1%
Qual. Beats: 0
Rev. Trend: 79.4%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Dime Commercial Bancshares, Inc. (formerly Dime Community Bancshares, Inc.) is the holding company for Dime Community Bank, a community-oriented commercial bank headquartered in Hauppauge, New York, founded in 1910. The bank gathers deposits from businesses, consumers, and local municipalities and deploys those funds primarily through commercial real estate, multi-family mortgage, residential mortgage, and consumer lending products.
On the funding and liquidity side, the company maintains a securities portfolio concentrated in U.S. government-sponsored enterprise mortgage-backed securities, U.S. Treasury and municipal obligations, and corporate bonds, alongside broader treasury and cash management operations. It also offers a range of fee-based and ancillary services, including merchant card processing, online and remote deposit banking, safe deposit, escrow and lockbox services, CDARS/ICS sweep programs, third-party brokerage, and title insurance.
As a regional bank classified within the Financials sector, DCOM operates under a community banking model that relies on local deposit gathering to fund relationship-based lending, with a particularly heavy emphasis on multi-family and commercial real estate loans typical of New York metropolitan-area thrifts and community banks. The company trades on the NYSE under the ticker DCOM and adopted its current corporate name in May 2026.
- Multi-family CRE loan concentration exposes NYC regional bank credit risk
- Net interest margin compresses as Fed cuts rates impact asset yields
- Deposit costs rise amid regional bank competition for sticky funding
| Net Income: 128.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.34 > 1.0 |
| NWC/Revenue: -1.24k% < 20% (prev -1.67k%; Δ 429.7% < -1%) |
| CFO/TA 0.01 > 3% & CFO 202.1m > Net Income 128.9m |
| Net Debt (-2.38b) to EBITDA (190.6m): -12.49 < 3 |
| Current Ratio: 0.28 > 1.5 & < 3 |
| Outstanding Shares: last quarter (44.0m) vs 12m ago 2.23% < -2% |
| Gross Margin: 58.47% > 18% (prev 48.03%; Δ 10.44% > 0.5%) |
| Asset Turnover: 5.14% > 50% (prev 4.60%; Δ 0.54% > 0%) |
| Interest Coverage Ratio: 0.70 > 6 (EBIT TTM 184.3m / Interest Expense TTM 261.6m) |
| A: -0.62 (Total Current Assets 3.67b - Total Current Liabilities 13.0b) / Total Assets 15.0b |
| B: 0.06 (Retained Earnings 898.1m / Total Assets 15.0b) |
| C: 0.01 (EBIT TTM 184.3m / Avg Total Assets 14.6b) |
| D: 0.11 (Book Value of Equity 1.52b / Total Liabilities 13.5b) |
| Altman-Z'' = -3.67 = D |
| DSRI: 1.99 (Receivables 126.8m/55.4m, Revenue 751.0m/654.1m) |
| GMI: 0.82 (GM 48.03% / 58.47%) |
| AQI: 0.83 (AQ_t 0.75 / AQ_t-1 0.91) |
| SGI: 1.15 (Revenue 751.0m / 654.1m) |
| TATA: -0.00 (NI 128.9m - CFO 202.1m) / TA 15.0b) |
| Beneish M = -2.37 (Cap -4..+1) = BBB |
As of October 06, 2026, the stock is trading at USD 39.51 with a total of 344,952 shares traded. Over the past week, the price has changed by -0.20%, over one month by -3.02%, over three months by -1.07% and over the past year by +32.90%.
Current recommended Stop Loss: 37.30 (which is 5.6% or 2.9 ATR below the current price).
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 | 45.8 | 15.9% |
P/E Trailing = 14.2826
P/E Forward = 12.8041
P/S = 3.9644
P/B = 1.2566
P/EG = 3.7579
Revenue TTM = 751.0m USD
EBIT TTM = 184.3m USD
EBITDA TTM = 190.6m USD
Long Term Debt = 780.5m USD (from longTermDebt, last fiscal year)
Short Term Debt = 332.6m USD (from shortTermDebt, last quarter)
Debt = 1.16b USD (corrected: LT Debt 780.5m + ST Debt 332.6m) + Leases 42.4m
Net Debt = -2.38b USD (calculated: Debt 1.16b - CCE 3.54b)
Enterprise Value = 1.74b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.70 (Ebit TTM 184.3m / Interest Expense TTM 261.6m)
EV/FCF = 8.81x (Enterprise Value 1.74b / FCF TTM 197.6m)
FCF Yield = 11.35% (FCF TTM 197.6m / Enterprise Value 1.74b)
FCF Margin = 26.32% (FCF TTM 197.6m / Revenue TTM 751.0m)
Net Margin = 17.17% (Net Income TTM 128.9m / Revenue TTM 751.0m)
Gross Margin = 58.47% ((Revenue TTM 751.0m - Cost of Revenue TTM 311.9m) / Revenue TTM)
Gross Margin QoQ = 60.36% (prev 60.24%)
Tobins Q-Ratio = 0.12 (Enterprise Value 1.74b / Total Assets 15.0b)
Interest Expense / Debt = 22.64% (Interest Expense 261.6m / Debt 1.16b)
Taxrate = 30.06% (55.4m / 184.3m)
NOPAT = 128.9m (EBIT 184.3m * (1 - 30.06%))
Current Ratio = 0.28 (Total Current Assets 3.67b / Total Current Liabilities 13.0b)
Debt / Equity = 0.76 (Debt 1.16b / totalStockholderEquity, last quarter 1.52b)
Debt / EBITDA = -12.49 (Net Debt -2.38b / EBITDA 190.6m)
Debt / FCF = -12.05 (Net Debt -2.38b / FCF TTM 197.6m)
Total Stockholder Equity = 1.49b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.88% (Net Income 128.9m / Total Assets 15.0b)
RoE = 8.67% (Net Income TTM 128.9m / Total Stockholder Equity 1.49b)
RoCE = 8.13% (EBIT 184.3m / Capital Employed (Equity 1.49b + L.T.Debt 780.5m))
RoIC = 0.86% (NOPAT 128.9m / Invested Capital 15.0b)
WACC = 11.28% (E(1.74b)/V(2.90b) * Re(8.25%) + D(1.16b)/V(2.90b) * Rd(22.64%) * (1-Tc(0.30)))
Discount Rate = 8.25% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 89.04 | Cagr: 5.85%
[DCF] Terminal Value 69.11% ; FCFF base≈174.0m ; Y1≈199.5m ; Y5≈293.6m
[DCF] Fair Price = 119.8 (EV 2.91b - Net Debt -2.38b = Equity 5.29b / Shares 44.2m; r=11.28% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 18.12 | EPS CAGR: 5.73% | SUE: 0.50 | # QB: 0
Revenue Correlation: 79.37 | Revenue CAGR: 5.59% | SUE: 0.60 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.87 | Chg30d=-0.46% | Revisions=-17% | Analysts=5
EPS current Year (2026-12-31): EPS=3.35 | Chg30d=+0.00% | Revisions=-17% | GrowthEPS=+29.2% | GrowthRev=+14.3%
EPS next Year (2027-12-31): EPS=4.32 | Chg30d=-0.32% | Revisions=+17% | GrowthEPS=+29.2% | GrowthRev=+10.4%
[Analyst] Revisions Ratio: -8% (up=4, down=5)