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Dime Community Bancshares (DCOM)
NASDAQ:DCOM
Earnings Data
Report Date
Apr 24, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
―Last Year’s EPS
0.57Same Quarter Last Year
Strong Buy
Based on 4 Analysts Ratings
Earnings Call Summary
Q4 2025
Earnings Call Date:Jan 21, 2026|
% Change Since:
|
Earnings Call Sentiment|Positive
The call presented a predominantly positive operational and financial trajectory: sizable core EPS acceleration (+88% YoY), record revenues, sustained NIM improvement above 3%, strong deposit growth and low-cost deposit mix, robust capital and asset-quality metrics, and clear strategic progress on commercial verticals and loan pipelines. Offsetting items are mainly manageable and largely timing- or seasonality-driven (temporary municipal/tax deposits, elevated cash deployment), plus an ongoing but addressed CRE concentration and prepayment-related headwinds that temper near-term loan growth. Guidance reflects modest/gradual loan growth in 2026 with planned NIM expansion driven by back-book repricing, and disciplined expense guidance that supports a targeted return to sub-50% efficiency.Company Guidance
Strong Core EPS Growth
Core EPS of $0.79 in Q4, representing an 88% year-over-year increase; core EPS excludes severance (~$2.4M pre-tax) and discrete tax items (~$2.7M).
Record Revenue and NIM Improvement
Record total revenues of $124 million in Q4; reported NIM increased to 3.11% (3.09% excluding ~2 bps of prepayment fees), marking the seventh consecutive quarterly NIM increase and a roughly 10 bps improvement referenced in remarks.
Deposit Growth and Strong Deposit Mix
Core deposits up $1.2 billion year-over-year; total deposits rose ~$800 million versus prior quarter (core-Q4 growth ~ $400M excluding seasonal/municipal items); non-interest-bearing DDA reached ~31% of deposits, supporting a lower cost of funds.
Improving Cost of Funds
Cost of total deposits was 1.85% in Q4, down 24 basis points versus prior quarter; spot deposit cost noted at ~1.68% at year-end.
Substantial Business Loan Growth and Pipeline
Business loans grew over $1.075 billion on a linked-quarter basis and over $500 million year-over-year; loan pipeline exceeds $1.3 billion with a weighted-average expected rate between 6.25% and 6.5%.
Capital, Liquidity and Asset Quality Strength
Total capital ratio above 16% and CET1 at 11.66%; NPAs improved to 34 basis points of total assets; multifamily credit reported zero NPAs; allowance to loans increased to 91 bps (within the 90 bps–1% target band).
Operational Discipline and Expense Control
Core cash operating expenses (ex. intangible amortization) were $62.3 million in Q4, below guidance of ~$63 million; full-year 2026 core cash operating expense guidance set at $255M–$257M.
Commercial Banking Buildout and Talent Additions
Launched multiple commercial verticals (fund finance, lender finance, mid-corporate, sponsor finance, syndications); hired experienced commercial bankers and a new Chief Credit Officer; Manhattan branch opened and two de novos (Lakewood, Locust Valley) targeted to open within the year.
Clear NIM Repricing Tailwind Guidance
Management outlined a path to NIM expansion driven by back-book repricing: ~ $1.4B of adjustable/fixed loans repricing or maturing in 2026 (WAC ~4%), potentially adding ~20 bps to quarterly NIM in 2026, and another $1.7B in 2027 potentially adding ~20–25 bps thereafter.
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 |
|---|---|---|---|
Jan 21, 2026 | $30.12 | $32.72 | +8.63% |
Oct 23, 2025 | $29.42 | $27.21 | -7.52% |
Jul 24, 2025 | $28.05 | $27.81 | -0.84% |
Apr 22, 2025 | $24.48 | $25.16 | +2.79% |
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 Apr 24, 2026, Before Open (Confirmed).
What is Dime Community Bancshares (DCOM) earnings time?
Dime Community Bancshares (DCOM) earnings time is at Apr 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?
Currently, no data Available