Dime Community Bancshares (DCOM)
NYSE:DCOM
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Dime Community Bancshares
(NYSE:DCOM)
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Rating:73Outperform
Price Target:
$40.00
â–²(7.87% Upside)
Action:Reiterated
Date:05/04/26
DCOM scores well on improving financial performance (strong TTM profitability rebound and solid cash conversion) and supportive earnings-call outlook for margin expansion, with added support from constructive price trend and reasonable valuation (low P/E and a ~2.8% yield). The main constraints are earnings/cash-flow unevenness and reduced confidence from the reported TTM debt data inconsistency, plus some near-term expense and credit-cost headwinds.
Positive Factors
NIM re-pricing tailwind
A multi-year back-book repricing pipeline ($1.4B in 2026, $1.7B in 2027) provides a durable, self-help path to higher asset yields and sustained NIM expansion. This structural repricing reduces reliance on rapid loan growth and supports margin resilience as loans reset over 2026–27.
Negative Factors
Elevated CRE concentration
A high CRE exposure leaves the loan book sensitive to property market cycles and localized stress. Even with planned reductions to mid‑350%, elevated concentration increases cyclical credit risk, regulatory focus, and limits diversification, constraining risk appetite until materially reduced.
Read all positive and negative factors
Positive Factors
Negative Factors
NIM re-pricing tailwind
A multi-year back-book repricing pipeline ($1.4B in 2026, $1.7B in 2027) provides a durable, self-help path to higher asset yields and sustained NIM expansion. This structural repricing reduces reliance on rapid loan growth and supports margin resilience as loans reset over 2026–27.
Read all positive factors
Dime Community Bancshares (DCOM) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.58B
Dividend Yield3.14%
Average Volume (3M)193.30K
Price to Earnings (P/E)10.5
Beta (1Y)0.86
Revenue Growth15.01%
EPS Growth316.06%
CountryUS
Employees887
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.67
Shares Outstanding44,113,490
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 Cap0.14
Enterprise Value/Revenue0.30
Enterprise Value/Gross Profit0.53
Enterprise Value/Ebitda1.25
Forecast
1Y Price Target
$41.00Price Target Upside10.57% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)3.36
Revenue Forecast (FY)$511.46M
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:Apr 23, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 24, 2026
Earnings Call Sentiment Positive
The call conveyed a predominantly positive trajectory: strong organic revenue and EPS growth, improving NIM momentum, meaningful loan and deposit growth, healthy capital ratios, and a sizable back-book repricing opportunity expected to materially improve margins into 2027. Offsetting items include a guided increase in operating expenses due to strategic hires, a modest loan-sale loss in Q2, intentional portfolio run-offs (multifamily/transactional CRE) that temper near-term loan growth, and small increases in nonaccruals and provisioning. Management expects the hires and new vertical to be accretive over time, with loan growth and NIM expansion accelerating in the back half of 2026 and into 2027.Positive Updates
Strong EPS Growth
Earnings per share of $0.75 in Q1, up 67% year-over-year and 10% linked quarter growth.
Negative Updates
Higher Near-Term Operating Expense Outlook
Core cash operating expense guidance increased to approximately $260 million for 2026 (excluding intangible amortization) from prior guidance of $255–$257 million, driven by recent hires and new vertical buildouts; hires expected to be accretive starting in 2027.
Read all updates
Q1-2026 Updates
Positive
Negative
Strong EPS Growth
Earnings per share of $0.75 in Q1, up 67% year-over-year and 10% linked quarter growth.
Read all positive updates
Company Guidance
Management guided to continued NIM expansion and profitable loan and deposit growth, reporting Q1 EPS of $0.75 (+67% YoY, +10% linked-quarter) on record total core revenues of $124M and core pre‑tax pre‑provision net revenue of $60.5M (162 bps of average assets); reported NIM was 3.21% (run‑rate ~3.14% excluding day‑count/purchase accounting, +10 bps q/q) with deposit costs down to ~1.70% and core deposit growth of $1B Y/Y. Balance sheet and capital metrics: average earning assets ~$14.2B (March ~$14.0B), allowance-to-loans 95 bps, loan loss provision ~$12M, tangible equity >9%, CET1 11.87% and total capital >16%. Loan trends and opportunities: business loans up ~$575M Y/Y (21%), loan pipeline >$1.5B (Wtd. avg. rate 6.25%–6.5%), $1.3B of adjustable/fixed loans repricing/maturing in remainder of 2026 (W.A. rate 4.10%) and $1.7B in 2027 (4.30%), which management estimates could drive ~40–45 bps of NIM expansion by end‑2027 (to >3.50% from a 3.14% base) assuming a 225–250 bp spread to Treasuries; they expect modest Q2 NIM improvement and acceleration in H2 and 2027. Other guidance: Q1 core cash operating expenses (ex intangibles) $63M and full‑year guidance raised to ~ $260M (ex intangibles), CRE ratio targeted to ~350% by Q2–Q3 with multifamily ~25% of loans, sale of $38M loans realized $36M (~$2M gain/loss impact expected in Q2), and an effective tax rate of 28.5% for the remainder of 2026.Dime Community Bancshares Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
64
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 743.62M | 646.19M | 645.57M | 477.38M | 426.69M | 255.28M |
| Gross Profit | 426.96M | 277.99M | 350.01M | 412.64M | 393.46M | 172.81M |
| EBITDA | 179.59M | 58.30M | 144.33M | 222.11M | 158.59M | 60.05M |
| Net Income | 123.81M | 29.08M | 96.09M | 152.56M | 104.00M | 42.32M |
Balance Sheet | ||||||
| Total Assets | 15.00B | 14.35B | 13.64B | 13.19B | 12.07B | 6.78B |
| Cash, Cash Equivalents and Short-Term Investments | 2.70B | 1.29B | 1.34B | 1.12B | 1.96B | 782.46M |
| Total Debt | 708.49M | 979.32M | 1.57B | 1.39B | 290.06M | 1.48B |
| Total Liabilities | 13.50B | 12.96B | 12.41B | 12.02B | 10.87B | 6.08B |
| Stockholders Equity | 1.50B | 1.40B | 1.23B | 1.17B | 1.19B | 701.10M |
Cash Flow | ||||||
| Free Cash Flow | 164.22M | 92.80M | 85.15M | 291.43M | 146.33M | 58.98M |
| Operating Cash Flow | 169.12M | 99.06M | 90.87M | 295.17M | 146.33M | 59.93M |
| Investing Cash Flow | 41.64M | 64.13M | -214.05M | -1.33B | 1.10B | -324.38M |
| Financing Cash Flow | 818.16M | 662.84M | 411.42M | 812.59M | -1.10B | 352.57M |
Dime Community Bancshares Technical Analysis
Positive
37.08
Price Trends
33.72
Positive
32.16
Positive
30.16
Positive
Market Momentum
0.96
Negative
75.24
Negative
74.82
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 37.08 is above the 20-day moving average (MA) of 34.38, above the 50-day MA of 33.72, and above the 200-day MA of 30.16, indicating a bullish trend. The MACD of 0.96 indicates Negative momentum. The RSI at 75.24 is Negative, neither overbought nor oversold. The STOCH value of 74.82 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | $1.46B | 8.92 | 6.32% | 2.68% | 39.87% | -5.34% | |
77 Outperform | $1.32B | 8.20 | 12.27% | 2.57% | -2.48% | 7.25% | |
75 Outperform | $1.21B | 8.81 | 17.48% | 2.99% | -0.42% | 14.20% | |
73 Outperform | $1.58B | 10.53 | 8.46% | 3.14% | 15.01% | 316.06% | |
70 Outperform | $1.45B | 10.66 | 12.33% | 0.28% | 3.37% | 19.68% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $2.33B | 13.60 | 3.68% | 3.21% | 51.60% | -48.48% |
* Financial Sector Average
DCOM
Dime Community Bancshares
35.71
9.81
37.85%
BBT
Beacon Financial Corporation
27.68
2.39
9.43%
PFBC
Preferred Bank
90.49
8.28
10.08%
QCRH
QCR Holdings
87.58
16.94
23.98%
RBCAA
Republic Bancorp
75.48
3.85
5.37%
CNOB
ConnectOne Bancorp
28.94
5.69
24.48%
Dime Community Bancshares Corporate Events
Dividends
Dime Community Bancshares Declares Quarterly Preferred Stock Dividend
Positive
Apr 23, 2026
On April 23, 2026, Dime Community Bancshares announced that its board declared a quarterly cash dividend of $0.34375 per share on its 5.50% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series A. The dividend will be paid on May 15, 2026, t...
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...
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.