Dime Community Bancshares (DCOM)
NASDAQ:DCOM
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Dime Community Bancshares
(NASDAQ:DCOM)
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Rating:73Outperform
Price Target:
$37.00
â–²(8.12% Upside)
Action:ReiteratedDate:03/26/26
The score is driven primarily by improving financial performance (sharp TTM earnings recovery and much lower leverage) and supportive valuation (low P/E with a ~3% yield). Earnings-call guidance adds confidence via a detailed NIM expansion roadmap and strong capital/asset-quality commentary. Technicals are the main limiter, as momentum is mixed with a slightly negative MACD despite price holding above longer-term averages.
Positive Factors
Deposit funding strength
Sustained core deposit inflows and a high share of noninterest DDAs provide a durable, low-cost funding base. Over months this supports loan growth and NIM resilience, reducing reliance on wholesale borrowings and improving interest margin stability as loans reprice.
Negative Factors
Elevated CRE concentration
A high CRE concentration exposes the bank to sector-specific downturns and local market shifts. Although management targets reductions by Q3 2026, concentration risk can cause credit volatility and constrain risk appetite, affecting loan growth and capital planning over several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Deposit funding strength
Sustained core deposit inflows and a high share of noninterest DDAs provide a durable, low-cost funding base. Over months this supports loan growth and NIM resilience, reducing reliance on wholesale borrowings and improving interest margin stability as loans reprice.
Read all positive factors
Dime Community Bancshares (DCOM) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.50B
Dividend Yield3.14%
Average Volume (3M)193.30K
Price to Earnings (P/E)10.2
Beta (1Y)0.83
Revenue Growth-1.79%
EPS Growth-23.87%
CountryUS
Employees887
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.79
Shares Outstanding43,905,888
10 Day Avg. Volume176,675
30 Day Avg. Volume193,303
Financial Highlights & Ratios
PEG Ratio-0.54
Price to Book (P/B)0.86
Price to Sales (P/S)1.85
P/FCF Ratio12.90
Enterprise Value/Market Cap-0.32
Enterprise Value/Revenue-0.66
Enterprise Value/Gross Profit-1.17
Enterprise Value/Ebitda-2.98
Forecast
1Y Price Target
$38.00Price Target Upside11.05% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)3.45
Revenue Forecast (FY)$513.23M
Dime Community Bancshares Business Overview & Revenue Model
Company Description
Dime Community Bancshares, Inc. operates as the holding company for Dime Community Bank that provides various commercial banking and financial services. It accepts time, savings, and demand deposits from the businesses, consumers, and local munici...
How the Company Makes Money
Dime Community Bancshares primarily makes money through its banking subsidiary by earning net interest income and generating noninterest income. Net interest income is the largest driver for most community banks and comes from the spread between (...
Dime Community Bancshares Earnings Call Summary
Earnings Call Date:Jan 21, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 24, 2026
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.Positive Updates
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).
Negative Updates
Seasonal and Temporary Deposit Volatility
Q4 included ~$100M of seasonal tax receivable deposits (expected to leave mid-January) and ~$225M municipal deposits tied to a bond offering expected to leave in February, temporarily elevating cash and deposit balances by ~ $400M and affecting comparability.
Read all updates
Q4-2025 Updates
Positive
Negative
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).
Read all positive updates
Company Guidance
The company guided to a starting NIM of ~3.09 (3.11 reported) with modest expansion in H1 and more substantial expansion in H2 driven by back‑book repricing: ~ $1.4B of adjustable/fixed loans in 2026 (W.A. rate ~4%) that could add ~20 bps to quarterly NIM (assuming a 250 bp spread vs. the 5‑yr Treasury) and a further ~$1.7B in 2027 (W.A. ~4.25%) that could add ~20–25 bps, with NIM targets of 3.25 then 3.50; every 25 bp move in short‑term rates should change NIM only ~2–3 bps given the large cash position. The balance sheet is expected to be relatively flat in 2026 (flattish H1, growth in H2), point‑to‑point loan growth in 2026 is forecast in the low single digits with 2027 modeled mid‑to‑high single‑digit loan growth, and CRE concentration is targeted lower to the mid‑350% range (inflection ~Q3). Expense guidance is core cash operating expenses excl. intangible amortization of $255–257M for 2026, noninterest income $45–46M, provision $10–11M near term then single digits in H2, allowance to loans ~91 bps (target range 90–100 bps), tax rate ~28%; supporting metrics noted on the call include Q4 core EPS $0.79 (+88% YoY), core pretax pre‑provision net revenue $61.5M (~163 bps of avg. assets), total deposits +$800M QoQ (+$1.2B YoY), cost of total deposits 1.85% (spot ~1.68%), non‑interest‑bearing DDA 31%, loan pipeline >$1.3B at 6.25–6.5% W.A., NPAs 34 bps of assets, CET1 11.66% and total capital >16%.Dime Community Bancshares Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
78
Positive
Cash Flow
66
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 730.38M | 646.19M | 645.57M | 477.38M | 426.69M | 255.28M |
| Gross Profit | 409.90M | 277.99M | 350.01M | 412.64M | 393.46M | 172.81M |
| EBITDA | 161.10M | 58.30M | 144.33M | 222.11M | 158.59M | 60.05M |
| Net Income | 110.68M | 29.08M | 96.09M | 152.56M | 104.00M | 42.32M |
Balance Sheet | ||||||
| Total Assets | 15.34B | 14.35B | 13.64B | 13.19B | 12.07B | 6.78B |
| Cash, Cash Equivalents and Short-Term Investments | 3.15B | 1.29B | 1.34B | 1.12B | 1.96B | 782.46M |
| Total Debt | 370.63M | 979.32M | 1.57B | 1.39B | 290.06M | 1.48B |
| Total Liabilities | 13.87B | 12.96B | 12.41B | 12.02B | 10.87B | 6.08B |
| Stockholders Equity | 1.48B | 1.40B | 1.23B | 1.17B | 1.19B | 701.10M |
Cash Flow | ||||||
| Free Cash Flow | 182.44M | 92.80M | 85.15M | 291.43M | 146.33M | 58.98M |
| Operating Cash Flow | 186.57M | 99.06M | 90.87M | 295.17M | 146.33M | 59.93M |
| Investing Cash Flow | -69.45M | 64.13M | -214.05M | -1.33B | 1.10B | -324.38M |
| Financing Cash Flow | 953.28M | 662.84M | 411.42M | 812.59M | -1.10B | 352.57M |
Dime Community Bancshares Technical Analysis
Positive
34.22
Price Trends
33.55
Positive
31.35
Positive
29.83
Positive
Market Momentum
0.16
Negative
62.31
Neutral
78.48
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DCOM, the sentiment is Positive. The current price of 34.22 is above the 20-day moving average (MA) of 32.61, above the 50-day MA of 33.55, and above the 200-day MA of 29.83, indicating a bullish trend. The MACD of 0.16 indicates Negative momentum. The RSI at 62.31 is Neutral, neither overbought nor oversold. The STOCH value of 78.48 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for DCOM.
Dime Community Bancshares Risk Analysis
Dime Community Bancshares disclosed 27 risk factors in its most recent earnings report. Dime Community Bancshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Dime Community Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $1.50B | 10.17 | 4.23% | 3.14% | -1.79% | -23.87% | |
72 Outperform | $1.23B | 8.90 | 16.91% | 2.99% | -3.05% | -0.51% | |
69 Neutral | $1.24B | 10.37 | 12.27% | 2.57% | 5.21% | 24.51% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $2.54B | 10.36 | 3.20% | 3.21% | 21.37% | 17.19% | |
65 Neutral | $1.45B | 10.97 | 11.80% | 0.28% | -2.42% | 3.83% | |
64 Neutral | $1.35B | 8.36 | 5.49% | 2.68% | 15.55% | -28.10% |
* Financial Sector Average
DCOM
Dime Community Bancshares
34.22
9.93
40.90%
BBT
Beacon Financial Corporation
30.25
7.56
33.31%
PFBC
Preferred Bank
91.69
18.27
24.89%
QCRH
QCR Holdings
86.61
22.25
34.56%
RBCAA
Republic Bancorp
70.96
11.60
19.54%
CNOB
ConnectOne Bancorp
26.93
5.93
28.26%
Dime Community Bancshares Corporate Events
Dividends
Dime Community Bancshares Maintains Quarterly Dividend, Signals Stability
Positive
Mar 25, 2026
On March 25, 2026, Dime announced that its Board of Directors declared a quarterly cash dividend of $0.25 per share of common stock, payable on April 24, 2026 to shareholders of record as of April 17, 2026. The decision continues the company’...
Business Operations and StrategyDelistings and Listing ChangesShareholder Meetings
Dime Community Bancshares Plans Rebrand and NYSE Listing
Positive
Feb 23, 2026
Dime Community Bancshares, Inc., parent of Dime Community Bank, announced that, subject to shareholder approval at its annual meeting on May 28, 2026, it would rebrand as Dime Commercial Bancshares, Inc., with the bank to be renamed Dime Commercia...
Business Operations and StrategyStock Buyback
Dime Community Bancshares Announces Debt Redemption and Buybacks
Positive
Jan 26, 2026
On January 26, 2026, Dime Community Bancshares, Inc. announced plans to redeem at par on March 30, 2026, all $40 million of its Fixed/Floating Subordinated Debentures due 2030, a move it expects to fund with cash on hand and that should be accreti...
Dividends
Dime Community Bancshares Declares Quarterly Preferred Stock Dividend
Positive
Jan 22, 2026
On January 22, 2026, Dime Community Bancshares, Inc. announced that its board of directors declared a quarterly cash dividend of $0.34375 per share on its 5.50% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series A, payable on February 13,...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.