The earnings call presented a strong performance with significant growth in core earnings, core deposits, and business loans. The bank also achieved an improved NIM and maintained strong capital levels. However, these positives were slightly offset by increased operating expenses and credit loss provisions.

Company Guidance

During the Q2 earnings call for Dime Community Bancshares, Inc., guidance for the remainder of 2025 highlighted several key metrics and strategic priorities. The company anticipates a gradual upward bias in the net interest margin (NIM) for Q3 2025, with more pronounced expansion expected in Q4 as loan repricing opportunities unfold. Approximately $1.95 billion of adjustable and fixed-rate loans, with a weighted average rate of 4.1%, are set to reprice or mature between the second half of 2025 and full-year 2026, potentially boosting NIM by 30 basis points. Operating expenses are projected to be around $61.5 million for Q3, excluding intangible amortization. The effective tax rate is expected to be between 27% and 27.5%. The company aims for low single-digit balance sheet growth for the rest of the year, driven by business loan growth and offset by transactional CRE and multifamily attrition. Additionally, Dime Community continues to focus on developing new lending verticals and expects these initiatives to contribute meaningfully to growth in late 2025 and beyond.

Increased Core Earnings Power

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

Growth in Core Deposits

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

Expansion in Business Loans

Business loans grew over $110 million in Q2 and over $370 million or 15% year-over-year.

Significant Loan Origination

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

Improved Net Interest Margin (NIM)

NIM increased to 2.98%, continuing a five-quarter growth trend.

Strong Capital Levels

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

Robust Loan Pipeline

The loan pipeline stands at $1.2 billion, up from $750 million in January, with a weighted average rate of 6.85%.

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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