DCOM Stock Analysis: Dime Community Bancshares | NYSE
Banks - Regional | NYSE, USA | Market Cap: 1.793m USD | 12M Return: 45% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 12.2M
EPS Trend: -24.2%
Qual. Beats: 0
Rev. Trend: 79.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 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. (DCOM) operates as the bank holding company for Dime Community Bank, providing commercial banking and financial services. As a regional bank headquartered in Hauppauge, New York, it primarily serves businesses, consumers, and local municipalities in the New York metropolitan market, where multi-family and commercial real estate lending have historically been core competencies for community banks in the region.
The company funds its lending activities through time, savings, and demand deposits and generates interest income from a diversified loan portfolio that includes commercial real estate loans, multi-family mortgage loans, residential mortgage loans, construction and land loans, home equity loans, lines of credit, letters of credit, and secured and unsecured commercial and consumer loans.
On the investment side, Dime holds mortgage-backed securities issued by the Federal Home Loan Bank, Federal National Mortgage Association, Government National Mortgage Association, and Federal Home Loan Mortgage Corporation, along with collateralized mortgage obligations, other asset-backed securities, U.S. Treasury securities, U.S. government-sponsored enterprise securities, New York state and local municipal obligations, and corporate bonds.
Beyond traditional banking, the company offers certificate of deposit account registry services (CDARS), insured cash sweep programs, merchant credit and debit card processing, ATMs, cash management services, lockbox processing, online banking, remote deposit capture, safe deposit boxes, individual retirement accounts, investment products through a third-party broker-dealer, and title insurance broker services targeted at small and medium-sized businesses, municipal, and consumer relationships.
The company was founded in 1910 and was previously known as Dime Community Bancshares, Inc., with the description indicating a name change to Dime Commercial Bancshares, Inc. in May 2026.
- Net interest margin compresses on rising deposit costs
- Commercial real estate loan concentration pressures credit quality
- Securities portfolio losses widen with prolonged rate volatility
| 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 45.72%; Δ 11.70% > 0.5%) |
| Asset Turnover: 5.11% > 50% (prev 4.58%; Δ 0.53% > 0%) |
| Interest Coverage Ratio: 0.65 > 6 (EBIT TTM 176.6m / 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: 0.11 (Book Value of Equity 1.50b / Total Liabilities 13.5b) |
| Altman-Z'' = -4.08 = D |
| DSRI: 0.89 (Receivables 57.7m/56.0m, Revenue 743.6m/646.2m) |
| GMI: 0.80 (GM 45.72% / 57.42%) |
| 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 July 08, 2026, the stock is trading at USD 39.64 with a total of 222,173 shares traded. Over the past week, the price has changed by -2.10%, over one month by +3.91%, over three months by +14.02% and over the past year by +44.95%.
Current recommended Stop Loss: 36.90 (which is 6.9% or 2.7 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 | 43.8 | 10.5% |
P/E Trailing = 15.282
P/E Forward = 12.8041
P/S = 4.1999
P/B = 1.2991
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 = 1.79b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.65 (Ebit TTM 176.6m / Interest Expense TTM 270.9m)
EV/FCF = 10.92x (Enterprise Value 1.79b / FCF TTM 164.2m)
FCF Yield = 9.16% (FCF TTM 164.2m / Enterprise Value 1.79b)
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 = 0.12 (Enterprise Value 1.79b / Total Assets 15.0b)
Interest Expense / Debt = 36.08% (Interest Expense 270.9m / Debt 750.9m)
Taxrate = 29.90% (52.8m / 176.6m)
NOPAT = 123.8m (EBIT 176.6m * (1 - 29.90%))
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 = 5.24% (NOPAT 123.8m / Invested Capital 2.36b)
WACC = 13.66% (E(1.79b)/V(2.54b) * Re(8.79%) + D(750.9m)/V(2.54b) * Rd(36.08%) * (1-Tc(0.30)))
Discount Rate = 8.79% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 69.01 | Cagr: 4.70%
[DCF] Terminal Value 62.75% ; FCFF base≈149.8m ; Y1≈171.8m ; Y5≈252.8m
[DCF] Fair Price = 88.48 (EV 1.95b - Net Debt -1.95b = Equity 3.90b / Shares 44.1m; r=13.66% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -24.24 | EPS CAGR: -7.81% | SUE: -0.49 | # 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=+0.00% | Revisions=-12% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.89 | Chg30d=+0.23% | Revisions=-38% | Analysts=5
EPS current Year (2026-12-31): EPS=3.37 | Chg30d=+0.06% | Revisions=-38% | GrowthEPS=+30.2% | GrowthRev=+13.1%
EPS next Year (2027-12-31): EPS=4.35 | Chg30d=-0.14% | Revisions=-62% | GrowthEPS=+29.0% | GrowthRev=+12.9%
[Analyst] Revisions Ratio: -52% (up=4, down=16)