Dime Community Bancshares (DCOM) AI Stock Analysis

• Market Cap: $1.15B
• Dividend Yield: 3.79%
• Average Volume (3M): 193.30K
• Price to Earnings (P/E): 23.0
• Beta (1Y): 0.99
• 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: 0.82
• Enterprise Value/Revenue: 1.44
• Enterprise Value/Gross Profit: 3.98
• Enterprise Value/Ebitda: 9.86
• 1Y Price Target: $37.33
• Price Target Upside: 40.23% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 61 Neutral
• Price Target: $29.00 ▲(8.94% Upside)

Dime Community Bancshares demonstrates strong earnings growth and positive financial performance, particularly in core earnings and deposit expansion. However, technical indicators suggest bearish momentum, and the stock appears overvalued based on its P/E ratio. The positive earnings call sentiment supports a moderately favorable outlook, but profitability and cash flow efficiency remain areas for improvement.

Positive Factors

Branch Expansion

Opening a new branch in Manhattan enhances Dime's market presence in a key financial hub, potentially increasing customer base and revenue through strategic market expansion.

Loan Growth

The significant growth in business loans indicates strong demand and effective lending strategies, contributing to revenue growth and market competitiveness.

Net Interest Margin Improvement

Consistent improvement in net interest margin reflects effective interest rate management and enhances profitability, supporting long-term financial health.

Negative Factors

Credit Loss Provisions

Increased credit loss provisions suggest potential risk in loan portfolio quality, which could impact profitability and require careful risk management.

Operating Expenses

Rising operating expenses, driven by increased staffing, may pressure margins and require efficiency improvements to maintain profitability.

Low Return on Equity

A low return on equity indicates challenges in generating returns on shareholder investments, potentially affecting investor confidence and capital efficiency.

Dime Community Bancshares Business Overview & Revenue Model

Company Description

Dime Community Bancshares (DCOM) is a financial services holding company headquartered in New York, primarily engaged in providing a range of banking and financial services through its subsidiary, Dime Community Bank. The company operates in the banking sector, focusing on community banking and offering products such as loans, mortgages, deposits, and other related financial services to individual consumers and businesses in its operating markets. Dime Community Bancshares is dedicated to serving its communities with personalized banking solutions and is known for its commitment to customer service.

How the Company Makes Money

Dime Community Bancshares generates revenue primarily through net interest income, which is earned from the difference between the interest income generated from loans and the interest paid on deposits. The company offers various types of loans including commercial real estate loans, residential mortgages, and consumer loans, which contribute significantly to its interest income. Additionally, Dime generates non-interest income through fees and commissions from services such as account maintenance, transaction fees, and other banking services. The company may also engage in investment activities that can provide additional revenue streams. Strategic partnerships with local businesses and community organizations enhance its customer base and service offerings, further supporting its revenue generation.

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	657.81M	646.19M	645.57M	477.38M	426.69M	255.28M
Gross Profit	238.21M	277.99M	350.01M	412.64M	393.46M	172.81M
EBITDA	96.09M	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	2.38B	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: Negative
• Last Price: 26.62
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DCOM, the sentiment is Negative. The current price of 26.62 is below the 20-day moving average (MA) of 27.72, below the 50-day MA of 29.24, and below the 200-day MA of 27.91, indicating a bearish trend. The MACD of -0.87 indicates Positive momentum. The RSI at 37.76 is Neutral, neither overbought nor oversold. The STOCH value of 25.20 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for DCOM.

Dime Community Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
QCRH	76 Outperform	$1.29B	10.63	11.80%	0.31%	-2.42%	3.83%
BBT	75 Outperform	$2.10B	24.11	1.12%	0.78%	21.37%	9.95%
PFBC	74 Outperform	$1.22B	9.19	16.91%	3.29%	-3.05%	-0.51%
RBCAA	74 Outperform	$1.14B	10.07	12.35%	2.68%	5.25%	24.22%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CNOB	63 Neutral	$1.21B	19.50	4.40%	3.02%	15.55%	-28.10%
DCOM	61 Neutral	$1.15B	23.02	4.23%	3.79%	-1.79%	-23.87%

Dime Community Bancshares Corporate Events

Dime Community Bancshares Faces Uncertainty in Stock Repurchase Program Amid Limited Activity

Dime Community Bancshares, Inc. faces a potential risk associated with its stock repurchase program, which was announced in May 2022 and allows for the repurchase of up to 1,948,314 shares. As of September 30, 2025, 1,566,947 shares remain to be purchased, indicating limited activity in the program during the recent quarter. The program’s flexibility, allowing suspension, termination, or modification at any time, introduces uncertainty regarding its future execution. This lack of repurchase activity may signal potential concerns about capital allocation or market conditions affecting the company’s stock strategy.

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.

The most recent analyst rating on (DCOM) stock is a Buy with a $36.00 price target. To see the full list of analyst forecasts on Dime Community Bancshares stock, see the DCOM Stock Forecast page.

Dime Community Bancshares Reports Strong Q3 Earnings

The latest earnings call for Dime Community Bancshares, Inc. painted a picture of robust growth and strategic expansion, despite some challenges. The sentiment was largely positive, driven by strong growth in core earnings, business loans, and deposits. Positive developments in net interest margin and recruitment efforts were also highlighted. However, the company acknowledged challenges such as increased loan loss provisions, higher operating expenses, and credit loss provisions. Overall, the positive aspects of the report outweighed the negatives, indicating a strong performance and an optimistic outlook for the future.

Dime Community Bancshares Reports Strong Q3 Growth

Dime Community Bancshares, Inc. is a New York State-chartered trust company and the parent company of Dime Community Bank, known for its significant deposit market share among community banks on Greater Long Island. The company operates in the financial services sector, focusing on banking services including deposits and loans.

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.

The most recent analyst rating on (DCOM) stock is a Hold with a $32.00 price target. To see the full list of analyst forecasts on Dime Community Bancshares stock, see the DCOM Stock Forecast page.

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.

The most recent analyst rating on (DCOM) stock is a Buy with a $36.00 price target. To see the full list of analyst forecasts on Dime Community Bancshares stock, see the DCOM Stock Forecast page.