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Dime Community Bancshares (DCOM)
NASDAQ:DCOM
RESEARCH TOOLSreports
Earnings Data
Report Date
Jul 25, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.63Last Year’s EPS
0.37Same Quarter Last Year
Strong Buy
Based on 3 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 22, 2025
|% Change Since: 5.77%
|Next Earnings Date:Jul 25, 2025
Earnings Call Sentiment|Positive
The earnings call highlighted significant growth in core deposits, NIM, and business loans, alongside strong capital ratios and strategic expansion plans. However, challenges include increased credit loss provisions, non-core expenses, and moderated loan growth expectations in the immediate term. Overall, the positive aspects of growth and strategic initiatives outweigh the negatives, indicating a strong position moving forward.Company Guidance
During Dime Community Bancshares Inc.'s first quarter earnings call for fiscal year 2025, the company provided several key metrics and guidance. Core deposits increased by $1.3 billion year-over-year, and new deposit teams have grown their portfolios to $1.9 billion. This growth allowed the company to decrease its brokered deposits and FHLB borrowing. The cost of deposits was reduced to 2.09%, while the net interest margin (NIM) increased to 2.9%, marking its fourth consecutive quarterly rise. Business loans grew by over $60 million during the quarter and more than $400 million year-over-year, with a current loan pipeline of approximately $1.1 billion at an average yield of 7.22%. Core pre-tax provision income rose to $46 million compared to $28 million the previous year, with a core return on assets of 77 basis points. For the remainder of 2025, the company expects its NIM to remain within a range of plus or minus three basis points of the 2.90% base NIM. Significant loan repricing opportunities are anticipated in the second half of 2025 and throughout 2026, which could increase the NIM by 35 basis points. The company also revised its full-year core cash non-interest expense guidance to between $236.5 million and $237.5 million, reflecting new hires aimed at expanding both loan and deposit growth.Core Deposits Increase
Core deposits were up $1.3 billion on a year-over-year basis, contributing to reduced brokered deposits and FHLB borrowing position.
Net Interest Margin (NIM) Growth
NIM increased for the fourth consecutive quarter to 2.9%, with further expansion expected due to loan repricing opportunities.
Business Loan Growth
Business loans grew over $60 million in the first quarter and over $400 million year-over-year, with a strong loan pipeline of $1.1 billion.
Core Earnings Power Increase
Core pre-tax provision income rose to $46 million, translating into a core ROA of 77 basis points, showing significant improvement over last year.
Adjusted EPS Increase
Adjusted EPS was $0.57 per share, reflecting a 36% linked-quarter increase and a 50% year-over-year increase.
Capital Levels Growth
Common equity Tier 1 ratio increased to 11.1% and total capital ratio grew to 15.7%, indicating strong capital positions.
Expansion into New Markets
Plans to expand into the Lakewood, New Jersey market and hiring of new bankers to support growth initiatives.
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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
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DCOM Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Apr 22, 2025 | $25.12 | $25.82 | +2.79% |
| Jan 23, 2025 | $31.44 | $30.69 | -2.39% |
| Oct 22, 2024 | $28.70 | $28.66 | -0.14% |
| Jul 23, 2024 | $23.24 | $24.11 | +3.74% |
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.
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FAQ
When does Dime Community Bancshares (DCOM) report earnings?
Dime Community Bancshares (DCOM) is schdueled to report earning on Jul 25, 2025, TBA Not Confirmed.
What is Dime Community Bancshares (DCOM) earnings time?
Dime Community Bancshares (DCOM) earnings time is at Jul 25, 2025, TBA Not 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 (Q2) is 0.63.
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