The earnings call for Dime Community Bancshares, Inc. presented a largely positive outlook for the company. Significant growth in core earnings, deposits, and loans, alongside improvements in net interest margin and capital levels, highlight strong operational performance. However, increased operating expenses and credit loss provisions present challenges. Overall, positive achievements outweigh the concerns, indicating robust business momentum.

Company Guidance -

Q3 2025

In the Dime Community Bancshares, Inc. Q2 2025 earnings call, the company provided detailed guidance for the remainder of the year. Core earnings power increased significantly, with core pretax pre-provision income rising to $49 million, a year-over-year increase from $28 million, resulting in a core ROA of 85 basis points. Deposits saw a year-over-year increase of $1.2 billion, and business loans grew by $110 million during the quarter. The net interest margin (NIM) improved to 2.98%, with expectations for continued growth due to a significant back book repricing opportunity. The company anticipates a gradual NIM increase in Q3, with more pronounced expansion in Q4, as $1.95 billion in loans are expected to reprice at a higher rate. Operating expenses are projected to be approximately $61.5 million for Q3, and the effective tax rate is expected to be between 27% and 27.5%. Overall, the company remains focused on growing business loans and core deposits while maintaining a robust capital base, with a common equity Tier 1 ratio of 11.25%.

Significant Increase in Core Earnings

Core pretax pre-provision income increased to $49 million in Q2 2025, up from $28 million a year ago, leading to a core ROA of 85 basis points.

Growth in Core Deposits

Core deposits increased by $1.2 billion year-over-year, with deposit portfolios growing to approximately $2.2 billion.

Increase in Business Loans

Business loans grew by over $110 million in the second quarter and over $370 million or 15% year-over-year.

Expansion Plans

Regulatory approvals were received for a new location in Lakewood, NJ, and a new branch is expected to open in Manhattan in Q4.

Strong Loan Origination

Loan originations, including new lines of credit, increased to $450 million for the quarter.

Core EPS Growth

Core EPS increased by 12% on a linked-quarter basis and 49% year-over-year, reaching $0.64 per share.

Improvement in Net Interest Margin

Reported NIM increased to 2.98%, marking the fifth consecutive quarter of NIM growth.

Strong Capital Levels

Common equity Tier 1 ratio increased to 11.25%, and total capital ratio grew to 15.8%.

Dime Community Bancshares (DCOM) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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DCOM Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 24, 2025	2025 (Q3)	0.68 / -	0.29	―	―	―
Jul 24, 2025	2025 (Q2)	0.62 / 0.64	0.37	72.97% (+0.27)	―
Apr 22, 2025	2025 (Q1)	0.58 / 0.57	0.38	50.00% (+0.19)	―
Jan 23, 2025	2024 (Q4)	0.45 / 0.42	0.39	7.69% (+0.03)	―
Oct 22, 2024	2024 (Q3)	0.41 / 0.29	0.56	-48.21% (-0.27)	―
Jul 23, 2024	2024 (Q2)	0.38 / 0.37	0.68	-45.59% (-0.31)	―
Apr 23, 2024	2024 (Q1)	0.37 / 0.38	0.95	-60.00% (-0.57)	―
Jan 26, 2024	2023 (Q4)	0.47 / 0.39	0.99	-60.61% (-0.60)	―
Oct 19, 2023	2023 (Q3)	0.54 / 0.56	0.95	-41.05% (-0.39)	―
Jul 28, 2023	2023 (Q2)	0.60 / 0.68	1.01	-32.67% (-0.33)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

DCOM Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 24, 2025	$28.53	$28.29	-0.84%
Apr 22, 2025	$24.90	$25.59	+2.77%
Jan 23, 2025	$31.16	$30.43	-2.34%
Oct 22, 2024	$28.44	$28.41	-0.11%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Dime Community Bancshares (DCOM) report earnings?

Dime Community Bancshares (DCOM) is schdueled to report earning on Oct 24, 2025, Before Open (Confirmed).

What is Dime Community Bancshares (DCOM) earnings time?

Dime Community Bancshares (DCOM) earnings time is at Oct 24, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is DCOM EPS forecast?

DCOM EPS forecast for the fiscal quarter 2025 (Q3) is 0.68.

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