Dime Community Bancshares (DCOM)
NYSE:DCOM
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Earnings Data
Report Date
Jul 24, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.79Last Year’s EPS
0.64Same Quarter Last Year
Strong Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a predominantly positive trajectory: strong organic revenue and EPS growth, improving NIM momentum, meaningful loan and deposit growth, healthy capital ratios, and a sizable back-book repricing opportunity expected to materially improve margins into 2027. Offsetting items include a guided increase in operating expenses due to strategic hires, a modest loan-sale loss in Q2, intentional portfolio run-offs (multifamily/transactional CRE) that temper near-term loan growth, and small increases in nonaccruals and provisioning. Management expects the hires and new vertical to be accretive over time, with loan growth and NIM expansion accelerating in the back half of 2026 and into 2027.Company Guidance
Strong EPS Growth
Earnings per share of $0.75 in Q1, up 67% year-over-year and 10% linked quarter growth.
Record Core Revenues
Record total core revenues of $124 million driven entirely by organic growth from existing bankers and new hires.
NIM Improvement and Momentum
Reported net interest margin of 3.21% for Q1 (run-rate ~3.14% excluding day-count and purchase accounting); NIM has increased for eight consecutive quarters and expanded ~10 basis points quarter-over-quarter driven by lower deposit costs (deposit cost reduced to ~1.70%).
Loan and Deposit Growth
Year-over-year core deposit growth of $1.0 billion; business loan growth of approximately $575 million YoY (~21% increase). Loan pipeline exceeds $1.5 billion with a weighted average rate between 6.25% and 6.5%.
Back-Book Repricing Opportunity
Approximately $1.3 billion of adjustable/fixed loans repricing or maturing in remainder of 2026 (weighted avg rate 4.10%) and ~$1.7 billion in 2027 (weighted avg rate 4.30%); management estimates this could add ~40–45 basis points to quarterly NIM by end of 2027 (from a 3.14% base) assuming a 225–250 bps spread to treasuries.
Capital and Balance Sheet Strength
Tangible equity ratio crossed 9%; Common Equity Tier 1 ratio 11.87%; total capital ratio in excess of 16%, providing flexibility to execute growth plans.
Pre-Provision Earnings Power
Core pre-tax, pre-provision net revenue of $60.5 million (162 basis points of average assets) and a stated pre-provision earnings power of ~160 basis points, enabling selective credit dispositions.
Strategic Talent and Product Additions
Added two deposit teams (former Signature) and built out Lakewood branch; hires have grown deposits to nearly $3 billion with $1.2 billion of DDA and a cost of funds around 1.6%. New equipment and franchise finance vertical launching May 1 led by an experienced banker who previously scaled the business to >$1 billion.
DCOM Earnings History
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 |
|---|---|---|---|
Apr 23, 2026 | $35.81 | $37.34 | +4.27% |
Jan 21, 2026 | $29.91 | $32.49 | +8.63% |
Oct 23, 2025 | $29.22 | $27.02 | -7.52% |
Jul 24, 2025 | $27.85 | $27.62 | -0.84% |
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 Jul 24, 2026, Before Open (Confirmed).
What is Dime Community Bancshares (DCOM) earnings time?
Dime Community Bancshares (DCOM) earnings time is at Jul 24, 2026, 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 2026 (Q2) is 0.79.