Dime Community Bancshares (DCOM) AI Stock Analysis

• Market Cap: $1.15B
• Dividend Yield: 3.53%
• 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: 1.41
• Enterprise Value/Gross Profit: 2.78
• Enterprise Value/Ebitda: 9.69
• 1Y Price Target: $37.33
• Price Target Upside: 31.68% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: $28.00 ▼(-1.23% Downside)

Dime Community Bancshares shows a solid financial performance with improving profitability and cash flow metrics. The positive sentiment from the earnings call, highlighting strong growth in core earnings and business loan growth, significantly boosts the overall score. However, the technical analysis indicates a bearish trend, and valuation metrics suggest the stock is fairly valued, which tempers the overall score.

Positive Factors

Core Earnings Growth

The significant increase in core earnings demonstrates the company's ability to enhance profitability and operational efficiency, indicating a strong financial performance and potential for sustained growth.

Deposit and Loan Growth

Robust growth in deposits and business loans reflects Dime Community's strong market position and ability to attract and retain customers, supporting long-term revenue generation and financial stability.

Net Interest Margin Expansion

Consistent NIM expansion indicates effective interest rate management and enhances profitability, providing a competitive edge in the banking sector and supporting future earnings growth.

Negative Factors

Increase in Loan Loss Provisions

Rising loan loss provisions suggest potential credit quality issues, which could impact future profitability and require careful risk management to maintain financial health.

Higher Operating Expenses

Increased operating expenses may pressure margins and profitability, necessitating improved cost management to sustain long-term financial performance.

Leadership Transition

Leadership changes can introduce uncertainty and may affect strategic direction. The transition's success will depend on the new leadership's ability to maintain and enhance current growth trajectories.

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: 28.35
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• 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 28.35 is above the 20-day moving average (MA) of 26.79, above the 50-day MA of 28.27, and above the 200-day MA of 27.63, indicating a bullish trend. The MACD of -0.07 indicates Negative momentum. The RSI at 59.08 is Neutral, neither overbought nor oversold. The STOCH value of 86.33 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
QCRH	81 Outperform	$1.37B	11.41	11.80%	0.31%	-2.42%	3.83%
BBT	75 Outperform	$2.15B	23.25	1.46%	3.37%	21.37%	17.19%
PFBC	74 Outperform	$1.22B	9.19	16.91%	3.18%	-3.05%	-0.51%
RBCAA	74 Outperform	$1.14B	10.07	12.35%	2.68%	5.21%	24.51%
DCOM	68 Neutral	$1.15B	23.02	4.23%	3.53%	-1.79%	-23.87%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CNOB	67 Neutral	$1.27B	20.45	4.40%	2.85%	15.55%	-28.10%

Dime Community Bancshares Corporate Events

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.

The most recent analyst rating on (DCOM) stock is a Buy with a $42.00 price target. To see the full list of analyst forecasts on Dime Community Bancshares stock, see the DCOM Stock Forecast page.

Dime Community Bancshares 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.