Dime Community Bancshares (DCOM) AI Stock Analysis

• Market Cap: $1.45B
• Dividend Yield: 3.14%
• Average Volume (3M): 193.30K
• Price to Earnings (P/E): 13.7
• Beta (1Y): 0.87
• Revenue Growth: -1.79%
• EPS Growth: -23.87%
• Country: US
• Employees: 887
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.79
• Shares Outstanding: 43,905,888
• 10 Day Avg. Volume: 176,675
• 30 Day Avg. Volume: 193,303
• PEG Ratio: -0.54
• Price to Book (P/B): 0.86
• Price to Sales (P/S): 1.85
• P/FCF Ratio: 12.90
• Enterprise Value/Market Cap: -0.37
• Enterprise Value/Revenue: -0.74
• Enterprise Value/Gross Profit: -1.32
• Enterprise Value/Ebitda: -3.36
• 1Y Price Target: $38.33
• Price Target Upside: 16.43% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): 3.45
• Revenue Forecast (FY): $513.23M

• Rating: 70 Outperform
• Price Target: $36.00 ▲(9.36% Upside)
• Action: Reiterated Date: 02/24/26
• Date: Action: Reiterated 02/24/26

The score is driven primarily by improving financial performance (strong TTM earnings recovery and materially lower leverage) and a positive earnings outlook (guided NIM expansion and strong deposit/capital metrics). The main offsets are mixed near-term technicals and historical earnings/cash-flow volatility, while valuation and recent corporate actions provide moderate support.

Positive Factors

Profitability recovery

A strong TTM rebound in net income and margin indicates the bank restored core earnings power, improving internal capital generation and resilience. Sustained higher margins support retained earnings, fund growth initiatives, and provide a buffer for credit cycles over the next several quarters.

Stronger balance sheet

Material deleveraging and equity growth markedly improve financial flexibility and reduce interest/capital strain. Lower leverage and improved ROE support capacity for buybacks, debt redemption and regulatory buffers, lessening solvency risk and enabling strategic investments over the medium term.

Deposit franchise & NIM tailwind

Robust deposit growth and a high share of non‑interest DDA sustain a low-cost funding base, while management's back‑book repricing plan (noted repricings in 2026–27) offers a structural NIM uplift. Together these underpin persistent net interest income expansion and funding stability.

Negative Factors

CRE concentration

A still-elevated CRE concentration is a structural risk: slower property markets or localized stress could amplify credit losses and capital needs. Reducing concentration is multi-quarter work, constraining loan mix flexibility and requiring continued capital/credit discipline while exposures normalize.

Earnings & FCF volatility

Historic earnings and free cash flow variability reduce predictability for dividends, buybacks and reinvestment. Even with a recent rebound, uneven cash generation complicates multi-quarter planning and increases sensitivity to loan payoffs, prepayments and timing of noninterest income.

Excess liquidity drag

Maintaining elevated cash cushions liquidity but suppresses earning asset yields and ROA until loans or securities are deployed. If loan growth or securities purchases lag, the persistent cash drag can temper NIM progress and reduce return on equity over several quarters.

Dime Community Bancshares Business Overview & Revenue Model

Company Description

Dime Community Bancshares, Inc. operates as the holding company for Dime Community Bank that provides various commercial banking and financial services. It accepts time, savings, and demand deposits from the businesses, consumers, and local municipalities. The company also offers commercial real estate loans; multi-family mortgage loans; residential mortgage loans; secured and unsecured commercial and consumer loans; 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; 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. As of December 31, 2021, it operated 60 branch locations throughout Long Island and the New York City boroughs of Brooklyn, Queens, Manhattan, and the Bronx. Dime Community Bancshares, Inc. was founded in 1910 and is headquartered in Hauppauge, New York.

How the Company Makes Money

Dime Community Bancshares generates revenue primarily through net interest income, which is derived from the difference between interest earned on loans and interest paid on deposits. The company's key revenue streams include interest income from commercial and residential loans, as well as investment securities. Additionally, Dime earns non-interest income from various fees associated with banking services, including account maintenance fees, transaction fees, and service charges. The bank also participates in fee income-generating activities such as wealth management and financial advisory services. Significant partnerships with local businesses and community organizations help enhance its customer base and drive deposit growth, further contributing to its overall earnings.

Dime Community Bancshares Financial Statement Overview

Summary

TTM profitability rebounded strongly with higher net income and improved margins, while leverage declined materially and ROE improved. Offsetting this, results have been volatile across years and free cash flow momentum weakened in TTM versus 2024.

Income Statement

Profitability rebounded sharply in TTM (Trailing-Twelve-Months), with net income rising to $110.7M and net margin improving to ~15.2% versus ~4.5% in 2024. Revenue also accelerated (+9.0% in TTM vs ~0% in 2024). However, results have been volatile over the cycle (very strong 2021–2022 margins, a notable drop in 2024), which lowers confidence in consistency despite the strong recent recovery.

Balance Sheet

Leverage has improved materially: debt-to-equity declined from 1.28x (2023) and 0.70x (2024) to 0.25x in TTM, alongside equity growth to $1.48B and assets up to $15.34B. Returns also improved versus 2024 (ROE ~7.7% in TTM vs ~2.1% in 2024). The main concern is the historical leverage swings (including higher leverage earlier in the period), which suggests balance-sheet risk management has not been perfectly steady across years.

Cash Flow

Cash generation is solid in TTM with operating cash flow of $186.6M and free cash flow of $182.4M, and free cash flow closely matches earnings (about 98% of net income), supporting earnings quality. That said, free cash flow declined ~18.6% in TTM after positive growth in 2024, indicating weaker recent momentum. Operating cash flow relative to total assets remains low (as expected for banks), but it still points to modest cash generation versus balance-sheet size.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	730.38M	646.19M	645.57M	477.38M	426.69M	255.28M
Gross Profit	409.90M	277.99M	350.01M	412.64M	393.46M	172.81M
EBITDA	161.10M	58.30M	144.33M	222.11M	158.59M	60.05M
Net Income	110.68M	29.08M	96.09M	152.56M	104.00M	42.32M
Balance Sheet
Total Assets	15.34B	14.35B	13.64B	13.19B	12.07B	6.78B
Cash, Cash Equivalents and Short-Term Investments	3.15B	1.29B	1.34B	1.12B	1.96B	782.46M
Total Debt	370.63M	979.32M	1.57B	1.39B	290.06M	1.48B
Total Liabilities	13.87B	12.96B	12.41B	12.02B	10.87B	6.08B
Stockholders Equity	1.48B	1.40B	1.23B	1.17B	1.19B	701.10M
Cash Flow
Free Cash Flow	182.44M	92.80M	85.15M	291.43M	146.33M	58.98M
Operating Cash Flow	186.57M	99.06M	90.87M	295.17M	146.33M	59.93M
Investing Cash Flow	-69.45M	64.13M	-214.05M	-1.33B	1.10B	-324.38M
Financing Cash Flow	953.28M	662.84M	411.42M	812.59M	-1.10B	352.57M

Dime Community Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 32.92
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DCOM, the sentiment is Positive. The current price of 32.92 is below the 20-day moving average (MA) of 34.65, above the 50-day MA of 32.56, and above the 200-day MA of 29.07, indicating a neutral trend. The MACD of 0.01 indicates Positive momentum. The RSI at 45.36 is Neutral, neither overbought nor oversold. The STOCH value of 24.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for DCOM.

Dime Community Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RBCAA	75 Outperform	$1.21B	10.37	12.35%	2.57%	5.21%	24.51%
DCOM	70 Outperform	$1.45B	13.71	4.23%	3.14%	-1.79%	-23.87%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PFBC	67 Neutral	$1.20B	8.43	16.91%	2.99%	-3.05%	-0.51%
BBT	65 Neutral	$2.54B	28.87	3.23%	3.21%	21.37%	17.19%
QCRH	65 Neutral	$1.47B	11.54	11.80%	0.28%	-2.42%	3.83%
CNOB	64 Neutral	$1.35B	16.23	5.70%	2.68%	15.55%	-28.10%

Dime Community Bancshares Corporate Events

Dime Community Bancshares Plans Rebrand and NYSE Listing

Dime Community Bancshares, Inc., parent of Dime Community Bank, announced that, subject to shareholder approval at its annual meeting on May 28, 2026, it would rebrand as Dime Commercial Bancshares, Inc., with the bank to be renamed Dime Commercial Bank. The company also stated it is transferring the listing of its securities to the New York Stock Exchange around April 7, 2026, aligning the name change and exchange move with a broader rebranding effort aimed at emphasizing its commercial banking focus and visibility in public markets.

As part of this rebrand, Dime released an investor presentation on its website to provide additional information about the strategic shift. The combination of a new corporate identity and an NYSE listing is expected to signal a stronger commercial orientation to investors and customers, potentially enhancing the company’s profile and competitive standing within the commercial banking industry.

The most recent analyst rating on (DCOM) stock is a Hold with a $37.00 price target. To see the full list of analyst forecasts on Dime Community Bancshares stock, see the DCOM Stock Forecast page.

Dime Community Bancshares Announces Debt Redemption and Buybacks

On January 26, 2026, Dime Community Bancshares, Inc. announced plans to redeem at par on March 30, 2026, all $40 million of its Fixed/Floating Subordinated Debentures due 2030, a move it expects to fund with cash on hand and that should be accretive to earnings per share, underscoring the bank’s strong capital and liquidity position. The board also reauthorized the company’s share repurchase program for up to 1,566,947 remaining common shares, giving management additional flexibility to deploy capital, although any buybacks will depend on market conditions and regulatory considerations and may not be completed in full, highlighting a balanced approach to capital returns while supporting organic growth.

The most recent analyst rating on (DCOM) stock is a Hold with a $36.00 price target. To see the full list of analyst forecasts on Dime Community Bancshares stock, see the DCOM Stock Forecast page.

Dime Community Bancshares Declares Quarterly Preferred Stock Dividend

On January 22, 2026, Dime Community Bancshares, Inc. announced that its board of directors declared a quarterly cash dividend of $0.34375 per share on its 5.50% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series A, payable on February 13, 2026, to shareholders of record as of February 6, 2026. The move underscores the company’s ongoing capital return to preferred shareholders and reflects continued support for its existing capital structure within the competitive community banking market on Greater Long Island.

The most recent analyst rating on (DCOM) stock is a Buy with a $36.00 price target. To see the full list of analyst forecasts on Dime Community Bancshares stock, see the DCOM Stock Forecast page.

Dime Community Bancshares Announces Quarterly Dividend

On December 17, 2025, Dime Community Bancshares, Inc. declared a quarterly cash dividend of $0.25 per common share, continuing its uninterrupted dividend tradition. This dividend, payable on January 23, 2026 to shareholders of record as of January 16, 2026, underscores the company’s commitment to providing consistent value to its stakeholders and maintaining its leadership in community banking.

The most recent analyst rating on (DCOM) stock is a Hold with a $33.00 price target. To see the full list of analyst forecasts on Dime Community Bancshares stock, see the DCOM Stock Forecast page.