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DCOM stock logo

DCOM

Dime Community Bancshares, Inc.

$34.22
0
 (0%)
Exchange:  NASDAQ
Market Cap:  1.502B
Shares Outstanding:  49.026M
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. 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.

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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.

2026/01/21 — 4 quarter 2025

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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)574,345.702Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)577,537.875Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)575,946.700Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)156,843.128Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)157,714.851Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)157,280.331Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)187,517.762Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)196,387.090Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)191,709.500Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)139,380.686Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)140,155.354Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)139,769.212Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)4.430Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)4.560Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)4.360Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full 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)
: 
2.23
?Net Income
 (TTM)
: 
28.707M  ?P/E
 (TTM)
: 
14.42
?Enterprise Value
 (TTM)
: 
-355303673  ?EV/FCF
 (TTM)
: 
-1.95
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.45
?ROE
 (TTM)
: 
0.08  ?ROIC
 (TTM)
: 
0.04
?Net Debt
 (TTM)
: 
-304253000  ?Debt/Equity
 (TTM)
: 
0.25
?P/B
 (TTM)
: 
1.08  ?Current Ratio
 (TTM)
: 
0.25

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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
9.92Full 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.


Calculate DCOM Intrinsic Value

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

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MARKETSnap

Trading Metrics:

Open: 33.31   Previous Close: 34.22
Day Low: 33.14   Day High: 34.34
Year Low: 23.25   Year High: 36.86
Price Avg 50: 33.58   Price Avg 200: 30.18
Volume: 287297   Average Volume: 296604

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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 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
Banking on Yield? Here's How We Scored Dime Community Bancshares (DCOM) Dividend
09-02-2026 08:51
Banking on Yield? Here's How We Scored Dime Community Bancshares (DCOM) Dividend

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