Dime Community Bancshares (DCOM) AI Stock Analysis

• Market Cap: $1.27B
• Dividend Yield: 3.62%
• Average Volume (3M): 244.44K
• Price to Earnings (P/E): 34.4
• Beta (1Y): 1.08
• Revenue Growth: -3.08%
• EPS Growth: -45.24%
• Country: US
• Employees: 887
• Sector: Financial
• Sector Strength: 71
• Industry: Banks - Regional
• EPS (TTM): 0.64
• Shares Outstanding: 43,891,098
• 10 Day Avg. Volume: 190,356
• 30 Day Avg. Volume: 244,435
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 0.74
• Enterprise Value/Revenue: 1.47
• Enterprise Value/Gross Profit: 3.21
• Enterprise Value/Ebitda: 15.23
• 1Y Price Target: $34.00
• Price Target Upside: 17.20% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

• Rating: 73 Outperform
• Price Target: $32.00 ▲(10.31% Upside)

Dime Community Bancshares demonstrates solid financial performance with strong cash flow and operational efficiency. Positive earnings call sentiment and supportive corporate events bolster the stock's outlook. However, a high P/E ratio suggests valuation concerns, which are partially offset by a decent dividend yield. Technical indicators show moderate bullish momentum, contributing to a favorable overall score.

Positive Factors

Deposit Growth

Recent hiring efforts, particularly following the SBNY failure, have positively impacted non-interest bearing deposits and core deposit growth.

Earnings Forecast

Analysts have increased the price target for DCOM shares to $39.00, reflecting confidence in the improved earnings profile and lower CRE concentration.

Stock Upgrade

Shares of DCOM were upgraded to Overweight following the recent $144 million common equity raise.

Negative Factors

Market Risks

Risks include, but are not necessarily limited to, a deterioration in asset quality, a precipitous rise in interest rates, and general weakness in bank stock valuations.

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 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 presents a solid financial profile with strengths in cash flow generation, indicating good liquidity and operational efficiency. Stable revenue and profit margins are evident, though operating income pressures exist. The balance sheet is stable with moderate leverage and potential for improved equity returns.

Income Statement

Dime Community Bancshares shows stable revenue with a modest increase from the previous year. The Gross Profit Margin remains robust at 45.7% for TTM, though it has decreased compared to previous years. Net Profit Margin is healthy at 5.1% for TTM. Revenue growth has been steady, indicating resilience in operations, though recent declines in operating income suggest potential margin pressures.

Balance Sheet

The company maintains a solid financial position with an Equity Ratio of 10.0% and a Debt-to-Equity Ratio of 0.59 for TTM, indicating manageable leverage levels. The Return on Equity is moderate at 2.3% for TTM, reflecting stable but not high returns to shareholders. The balance sheet suggests stability but highlights a need for improved equity returns.

Cash Flow

The Cash Flow analysis reveals strong Free Cash Flow growth, with a Free Cash Flow to Net Income Ratio of 3.91 for TTM, indicating efficient profit conversion into cash. Operating Cash Flow is robust, outperforming net income, which underscores good operational cash generation. Overall, cash flow metrics exhibit strength in liquidity and financial health.

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

Dime Community Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 29.01
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• 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 Positive. The current price of 29.01 is above the 20-day moving average (MA) of 28.13, above the 50-day MA of 27.44, and above the 200-day MA of 28.92, indicating a bullish trend. The MACD of 0.05 indicates Positive momentum. The RSI at 60.59 is Neutral, neither overbought nor oversold. The STOCH value of 54.50 is Neutral, 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	79 Outperform	$1.24B	9.77	17.20%	3.17%	-2.96%	-6.62%
BHLB	77 Outperform	$1.13B	9.54	10.13%	2.83%	15.55%	401.99%
QCRH	76 Outperform	$1.20B	10.71	11.36%	0.34%	-0.76%	-1.60%
RBCAA	74 Outperform	$1.19B	10.86	12.34%	2.40%	8.97%	27.79%
DCOM	73 Outperform	$1.27B	34.37	3.24%	3.62%	-3.08%	-45.24%
Sector *	68 Neutral	$17.46B	11.65	10.44%	3.86%	10.36%	1.15%
CNOB	68 Neutral	$1.15B	26.69	2.75%	3.00%	3.58%	-52.78%

Dime Community Bancshares Corporate Events

Dime Community Bancshares Declares Quarterly Dividend

On July 24, 2025, Dime Community Bancshares 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. This dividend is payable on August 15, 2025, to shareholders of record as of August 8, 2025, reflecting the company’s continued commitment to providing returns to its investors.

The most recent analyst rating on (DCOM) stock is a Buy with a $38.00 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 Cash Dividend

On June 26, 2025, Dime Community Bancshares, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.25 per common share, payable on July 24, 2025, to shareholders of record as of July 17, 2025. This decision continues the company’s trend of uninterrupted dividends, reinforcing its stable financial performance and commitment to providing shareholder value.

The most recent analyst rating on (DCOM) stock is a Buy with a $38.00 price target. To see the full list of analyst forecasts on Dime Community Bancshares stock, see the DCOM Stock Forecast page.

Dime Community Bancshares Elects Directors at Annual Meeting

During the annual meeting of shareholders held on May 22, 2025, Dime Community Bancshares, Inc. successfully elected directors for terms expiring at the 2026 annual meeting. Additionally, the shareholders ratified the appointment of Crowe LLP as the independent public accounting firm for the year ending December 31, 2025, and approved the compensation of the company’s named executive officers on a non-binding, advisory basis.

The most recent analyst rating on (DCOM) stock is a Buy with a $38.00 price target. To see the full list of analyst forecasts on Dime Community Bancshares stock, see the DCOM Stock Forecast page.

Dime Community Bancshares Shareholders Approve Key Proposals

On May 22, 2025, Dime Community Bancshares, Inc. held its annual meeting of shareholders where a quorum was present with 38,465,309 shares represented. During the meeting, several proposals were voted on, including the election of directors, ratification of Crowe LLP as the independent registered public accounting firm for 2025, and approval of executive compensation on a non-binding advisory basis. All proposals received the requisite majority of votes, indicating strong shareholder support for the company’s governance and financial strategies.

The most recent analyst rating on (DCOM) stock is a Buy with a $39.00 price target. To see the full list of analyst forecasts on Dime Community Bancshares stock, see the DCOM Stock Forecast page.

Dime Community Bancshares Releases Annual Meeting Presentation

On May 21, 2025, Dime Community Bancshares, Inc. released a financial presentation for its Annual Meeting of Shareholders, available on its website. This disclosure is informational and not considered filed under the Securities Exchange Act of 1934, nor incorporated by reference in any securities filings.

The most recent analyst rating on (DCOM) stock is a Buy with a $38.00 price target. To see the full list of analyst forecasts on Dime Community Bancshares stock, see the DCOM Stock Forecast page.