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DCOM stock logo

DCOM

Dime Community Bancshares, Inc.

$38.95
0.8
 (2.1%)
Exchange:  NYSE
Market Cap:  1.718B
Shares Outstanding:  49.026M
Delayed data
Calculate DCOM Intrinsic Value
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Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Stuart H. Lubow
Full Time Employees:  887
Address: 
898 Veterans Memorial Highway
Hauppauge
NY
11788
US
Website:  https://www.dime.com
Dime Community Bancshares, Inc. serves as the parent company for Dime Community Bank, which delivers a comprehensive range of commercial banking and financial services. The bank accepts various forms of deposits, including time, savings, and demand accounts, from businesses, individual consumers, and local government entities. Its lending operations encompass a broad spectrum, offering financing for commercial real estate, multi-family properties, and residential mortgages. Additionally, it extends secured and unsecured loans to both commercial and consumer clients, alongside home equity loans and funding for construction and land acquisition. Beyond its core lending activities, the company strategically invests in a diverse portfolio of financial instruments. These include mortgage-backed securities, collateralized mortgage obligations, and other asset-backed securities issued by agencies such as the Federal Home Loan Bank, Fannie Mae, Ginnie Mae, and Freddie Mac. Its holdings also comprise U.S. Treasury securities, bonds from New York state and local municipalities, securities from U.S. government-sponsored enterprises, and corporate bonds. Furthermore, Dime Community Bank provides an array of ancillary financial services. These offerings include certificate of deposit account registry services (CDARS), insured cash sweep programs, merchant credit and debit card processing, automated teller machines (ATMs), cash management solutions, lockbox processing, online banking, remote deposit capture, safe deposit boxes, and individual retirement accounts (IRAs). The bank also facilitates access to investment products and services through an affiliated third-party broker-dealer and provides title insurance brokerage services. As of December 31, 2021, the company maintained 60 branch locations spanning Long Island and the New York City boroughs of Brooklyn, Queens, Manhattan, and the Bronx. Dime Community Bancshares, Inc. was founded in 1910 and its corporate headquarters are situated in Hauppauge, New York.

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Revenue Segmentation

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EPS

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Earnings Call

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Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/04/23 — 1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue645,566646,194730,375
Gross Profit350,007277,986409,901
EBITDA144,32958,296156,799
Operating Income136,87951,439156,799
Net Income96,09429,084110,682

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets13,636,00514,353,25815,341,631
Total Liabilities12,409,78012,956,74113,865,862
Total Stockholders Equity1,226,2251,396,5171,475,769
Total Debt1,568,650979,318370,632
Cash and Cash Equivalents457,5471,283,5712,353,966

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Cash Flow Statement

Year202320242025
Operating Cash Flow90,87499,0560
Capital Expenditure-5,721-6,2580
Free Cash Flow85,15392,7980
Net Income96,09429,084110,682
Net Change in Cash288,250826,024-1,283,571

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)575,445.412Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)581,636.187Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)578,540.800Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)157,143.438Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)158,834.024Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)157,988.731Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)181,557.519Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)194,373.506Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)186,055.800Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)139,647.561Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)141,149.922Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)140,398.741Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)4.360Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)4.510Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)4.220Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)4Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)4Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
645.284M  ?P/S
 (TTM)
: 
2.24
?Net Income
 (TTM)
: 
28.707M  ?P/E
 (TTM)
: 
13.14
?Enterprise Value
 (TTM)
: 
315.479M  ?EV/FCF
 (TTM)
: 
1.92
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.41
?ROE
 (TTM)
: 
0.08  ?ROIC
 (TTM)
: 
0.05
?Net Debt
 (TTM)
: 
-304253000  ?Debt/Equity
 (TTM)
: 
0.47
?P/B
 (TTM)
: 
1.09  ?Current Ratio
 (TTM)
: 
0.21

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
11.29Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates DCOM intrinsic value between $26.65 – $29.71 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about DCOM valuation

Is Dime Community Bancshares, Inc. (DCOM) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Dime Community Bancshares, Inc. (DCOM) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is DCOM a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether DCOM trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is DCOM’s P/E ratio?

You can see DCOM’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for DCOM?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is DCOM a good long-term investment?

Whether DCOM fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

DCOM

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

2.1
MARKETSnap

Trading Metrics:

Open: 38.51   Previous Close: 38.15
Day Low: 38.46   Day High: 39.32
Year Low: 25.63   Year High: 39.32
Price Avg 50: 36.2   Price Avg 200: 32.09
Volume: 234094   Average Volume: 289455

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DCOM full analysis

03/11/2025

Welcome to MARKETSNAP’s SWOT analysis for Dime Community Bancshares, Inc., a regional banking player that might not be on everyone’s radar but certainly deserves a closer look if you’re hunting for value in the financial sector. If you’re a long-term investor looking to build wealth with solid, under-the-radar picks, let’s dive into what makes this company tick, where it’s shining, and where it might trip up. We’ll cover everything from recent performance to a deep dive into their financials, so…

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See in Nexus

Relevant news

Dime Declares Quarterly Cash Dividend for Series A Preferred Stock
23-04-2026 16:30
Dime Declares Quarterly Cash Dividend for Series A Preferred Stock
Dime To Transfer To New York Stock Exchange
02-04-2026 16:30
Dime To Transfer To New York Stock Exchange
Dime Declares Quarterly Cash Dividend for Common Stock
25-03-2026 16:30
Dime Declares Quarterly Cash Dividend for Common Stock
Dime Announces Elevation of Charlie Terrasi to Head of Investor CRE and Multifamily
02-03-2026 08:30
Dime Announces Elevation of Charlie Terrasi to Head of Investor CRE and Multifamily
CORRECTION -- Dime Community Bank to Rebrand as Dime Commercial Bank
23-02-2026 17:48
CORRECTION -- Dime Community Bank to Rebrand as Dime Commercial Bank
Dime Community Bank to Rebrand as Dime Commercial Bank Company to Transfer Listing of Its Securities to New York Stock Exchange
23-02-2026 17:04
Dime Community Bank to Rebrand as Dime Commercial Bank Company to Transfer Listing of Its Securities to New York Stock Exchange

DISCLAIMER: The stock market data provided on this website is for informational purposes only and is not intended for trading purposes. While we strive to provide accurate and timely information, we cannot guarantee that the information is accurate at the moment it is received or that it will continue to be accurate in the future. We are not responsible for any actions taken based on the information provided on this website. Always consult with a licensed financial professional before making any investment decisions.
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