Dime Community Bancshares (DCOM) AI Stock Analysis

• Market Cap: $1.39B
• Dividend Yield: 3.14%
• Average Volume (3M): 193.30K
• Price to Earnings (P/E): 27.9
• Beta (1Y): 0.80
• Revenue Growth: -1.79%
• EPS Growth: -23.87%
• Country: US
• Employees: 887
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.61
• Shares Outstanding: 43,894,344
• 10 Day Avg. Volume: 176,675
• 30 Day Avg. Volume: 193,303
• PEG Ratio: -0.54
• Price to Book (P/B): 0.86
• Price to Sales (P/S): 1.85
• P/FCF Ratio: 12.90
• Enterprise Value/Market Cap: 0.68
• Enterprise Value/Revenue: 1.41
• Enterprise Value/Gross Profit: 2.78
• Enterprise Value/Ebitda: 9.69
• 1Y Price Target: $36.25
• Price Target Upside: 14.21% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 70 Neutral
• Price Target: $35.00 ▲(10.27% Upside)

Dime Community Bancshares demonstrates a stable financial position with strong earnings growth and cash flow metrics. The technical indicators suggest bullish momentum, although caution is warranted due to overbought signals. Valuation appears stretched, but the dividend yield provides some compensation. Positive earnings call sentiment and corporate events further support the stock's outlook.

Positive Factors

Core Earnings Growth

The significant increase in core earnings reflects strong operational performance and suggests a robust growth trajectory for the company.

Net Interest Margin Expansion

Consistent NIM expansion indicates effective interest rate management, enhancing profitability and financial stability.

Executive Succession Plan

The executive succession plan ensures leadership continuity, supporting strategic growth and reinforcing management quality.

Negative Factors

Increase in Loan Loss Provisions

Rising loan loss provisions can strain profitability and indicate potential credit quality issues, impacting financial health.

Higher Operating Expenses

Increased operating expenses may pressure margins, suggesting challenges in cost management and operational efficiency.

Decreased Return on Equity

A declining return on equity indicates potential inefficiencies in capital utilization, affecting shareholder value over time.

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 municipalities. The company also offers commercial real estate loans; multi-family mortgage loans; residential mortgage loans; secured and unsecured commercial and consumer loans; home equity loans; and construction and land loans. In addition, it invests in Federal Home Loan Bank, Federal National Mortgage Association, Government National Mortgage Association, and Federal Home Loan Mortgage Corporation mortgage-backed securities, collateralized mortgage obligations, and other asset backed securities; U.S. Treasury securities; New York state and local municipal obligations; U.S. government-sponsored enterprise securities; and corporate bonds. Further, the company offers certificate of deposit account registry services and insured cash sweep programs; merchant credit and debit card processing, automated teller machines, cash management services, lockbox processing, online banking services, remote deposit capture, safe deposit boxes, and individual retirement accounts; investment products and services through a third-party broker dealer; and title insurance broker services. As of December 31, 2021, it operated 60 branch locations throughout Long Island and the New York City boroughs of Brooklyn, Queens, Manhattan, and the Bronx. Dime Community Bancshares, Inc. was founded in 1910 and is headquartered in Hauppauge, New York.

How the Company Makes Money

Dime Community Bancshares generates revenue primarily through net interest income, which is derived from the difference between interest earned on loans and interest paid on deposits. The company's key revenue streams include interest income from commercial and residential loans, as well as investment securities. Additionally, Dime earns non-interest income from various fees associated with banking services, including account maintenance fees, transaction fees, and service charges. The bank also participates in fee income-generating activities such as wealth management and financial advisory services. Significant partnerships with local businesses and community organizations help enhance its customer base and drive deposit growth, further contributing to its overall earnings.

Dime Community Bancshares Financial Statement Overview

Summary

Dime Community Bancshares shows positive revenue growth and improved operational efficiency. However, low net profit margin and return on equity indicate challenges in profitability. Cash flow metrics reflect positive free cash flow growth, though operational cash flow generation could be stronger.

Income Statement

Dime Community Bancshares shows a positive trajectory in revenue growth with a TTM growth rate of 22.5%. The gross profit margin has improved to 48% in the TTM, indicating better cost management. However, the net profit margin is relatively low at 6.7%, suggesting room for improvement in profitability. The EBIT and EBITDA margins have shown improvement, reflecting operational efficiency gains.

Balance Sheet

The company's debt-to-equity ratio has improved to 0.58 in the TTM, indicating a reduction in leverage. However, the return on equity has decreased to 3.2%, which is relatively low, suggesting that the company is not generating high returns on its equity base. The equity ratio remains stable, reflecting a balanced capital structure.

Cash Flow

The free cash flow growth rate is positive at 8.1% in the TTM, indicating improved cash generation. The operating cash flow to net income ratio is low, suggesting that cash flow generation from operations could be stronger. The free cash flow to net income ratio is healthy at 96.2%, indicating efficient conversion of net income into cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	670.02M	646.19M	645.57M	477.38M	426.69M	255.28M
Gross Profit	340.53M	277.99M	350.01M	412.64M	393.46M	172.81M
EBITDA	97.72M	58.30M	144.33M	222.11M	158.59M	60.05M
Net Income	58.41M	29.08M	96.09M	152.56M	104.00M	42.32M
Balance Sheet
Total Assets	14.54B	14.35B	13.64B	13.19B	12.07B	6.78B
Cash, Cash Equivalents and Short-Term Investments	2.21B	1.29B	1.34B	1.12B	1.96B	782.46M
Total Debt	828.60M	979.32M	1.57B	1.39B	290.06M	1.48B
Total Liabilities	13.09B	12.96B	12.41B	12.02B	10.87B	6.08B
Stockholders Equity	1.45B	1.40B	1.23B	1.17B	1.19B	701.10M
Cash Flow
Free Cash Flow	224.00M	92.80M	85.15M	291.43M	146.33M	58.98M
Operating Cash Flow	229.59M	99.06M	90.87M	295.17M	146.33M	59.93M
Investing Cash Flow	129.91M	64.13M	-214.05M	-1.33B	1.10B	-324.38M
Financing Cash Flow	729.49M	662.84M	411.42M	812.59M	-1.10B	352.57M

Dime Community Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 31.74
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 31.74 is above the 20-day moving average (MA) of 29.95, above the 50-day MA of 28.38, and above the 200-day MA of 27.69, indicating a bullish trend. The MACD of 1.10 indicates Negative momentum. The RSI at 72.32 is Negative, neither overbought nor oversold. The STOCH value of 88.39 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for DCOM.

Dime Community Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PFBC	80 Outperform	$1.34B	10.15	16.91%	2.99%	-3.05%	-0.51%
RBCAA	79 Outperform	$1.26B	11.14	12.35%	2.49%	5.21%	24.51%
QCRH	75 Outperform	$1.44B	11.96	11.80%	0.28%	-2.42%	3.83%
BBT	74 Outperform	$2.31B	24.98	1.46%	3.14%	21.37%	17.19%
CNOB	71 Outperform	$1.39B	22.32	4.40%	2.61%	15.55%	-28.10%
DCOM	70 Neutral	$1.39B	27.86	4.23%	3.14%	-1.79%	-23.87%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Dime Community Bancshares Corporate Events

Dime Community Bancshares Announces Quarterly Dividend

On December 17, 2025, Dime Community Bancshares, Inc. declared a quarterly cash dividend of $0.25 per common share, continuing its uninterrupted dividend tradition. This dividend, payable on January 23, 2026 to shareholders of record as of January 16, 2026, underscores the company’s commitment to providing consistent value to its stakeholders and maintaining its leadership in community banking.

Dime Community Bancshares Releases Investor Presentation

On November 10, 2025, Dime Community Bancshares, Inc. released a financial presentation to investors, which is accessible on their website. This disclosure is informational and not considered filed under the Securities Exchange Act of 1934, nor incorporated by reference in any securities filings, unless specifically stated.

Dime Community Bancshares Announces Executive Succession Plan

On October 27, 2025, Dime Community Bancshares announced a senior executive succession plan as part of its strategic growth initiatives. Conrad Gunther will retire at the end of the year, with Thomas X. Geisel taking over as Chief Commercial Officer, and Avi Reddy, currently the CFO, assuming the additional role of Chief Operating Officer. This transition aims to sustain the company’s growth trajectory and strengthen its management team.

Dime Community Bancshares Declares Quarterly Dividend

On October 23, 2025, Dime Community Bancshares announced a quarterly cash dividend of $0.34375 per share on its 5.50% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series A. This dividend is payable on November 13, 2025, to shareholders of record as of November 6, 2025, reflecting the company’s continued commitment to providing returns to its investors.

Dime Community Bancshares Declares Quarterly Dividend

On September 23, 2025, Dime Community Bancshares, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.25 per common share, payable on October 24, 2025, to shareholders of record as of October 17, 2025. This announcement continues the company’s trend of uninterrupted dividends, reflecting its stable financial operations and strong market position in the community banking sector.