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Financial Services - Banks - Regional - NASDAQ - US
$ 25.07
-0.397 %
$ 1.09 B
Market Cap
45.58
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one DCOM stock under the worst case scenario is HIDDEN Compared to the current market price of 25.1 USD, Dime Community Bancshares, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one DCOM stock under the base case scenario is HIDDEN Compared to the current market price of 25.1 USD, Dime Community Bancshares, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one DCOM stock under the best case scenario is HIDDEN Compared to the current market price of 25.1 USD, Dime Community Bancshares, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart DCOM

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$38.0$38.0$36.0$36.0$34.0$34.0$32.0$32.0$30.0$30.0$28.0$28.0$26.0$26.0$24.0$24.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
650 M REVENUE
84.29%
643 M OPERATING INCOME
340.83%
29.1 M NET INCOME
-69.73%
99.1 M OPERATING CASH FLOW
9.00%
64.1 M INVESTING CASH FLOW
129.96%
663 M FINANCING CASH FLOW
61.11%
57.2 M REVENUE
-34.63%
0 OPERATING INCOME
0.00%
-20.4 M NET INCOME
-155.85%
89 M OPERATING CASH FLOW
403.70%
25 M INVESTING CASH FLOW
221.40%
544 M FINANCING CASH FLOW
107.50%
Balance Sheet Dime Community Bancshares, Inc.
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Current Assets 2.03 B
Cash & Short-Term Investments 1.97 B
Receivables 56 M
Other Current Assets 0
Non-Current Assets 290 M
Long-Term Investments 0
PP&E 81.1 M
Other Non-Current Assets 209 M
85.10 %3.49 %9.00 %Total Assets$2.3b
Current Liabilities 50 M
Accounts Payable 0
Short-Term Debt 50 M
Other Current Liabilities 0
Non-Current Liabilities 12.9 B
Long-Term Debt 0
Other Non-Current Liabilities 12.9 B
99.61 %Total Liabilities$13.0b
EFFICIENCY
Earnings Waterfall Dime Community Bancshares, Inc.
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Revenue 650 M
Cost Of Revenue 0
Gross Profit 650 M
Operating Expenses 6.66 M
Operating Income 643 M
Other Expenses 614 M
Net Income 29.1 M
700m700m600m600m500m500m400m400m300m300m200m200m100m100m00650m0650m(7m)643m(614m)29mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
98.98% OPERATING MARGIN
98.98%
4.47% NET MARGIN
4.47%
2.08% ROE
2.08%
0.20% ROA
0.20%
15.68% ROIC
15.68%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Dime Community Bancshares, Inc.
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1b1b1b1b800m800m600m600m400m400m200m200m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 29.1 M
Depreciation & Amortization 6.86 M
Capital Expenditures -6.26 M
Stock-Based Compensation 6.69 M
Change in Working Capital 0
Others 32.3 M
Free Cash Flow 92.8 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Dime Community Bancshares, Inc.
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Wall Street analysts predict an average 1-year price target for DCOM of $35 , with forecasts ranging from a low of $35 to a high of $35 .
DCOM Lowest Price Target Wall Street Target
35 USD 39.61%
DCOM Average Price Target Wall Street Target
35 USD 39.61%
DCOM Highest Price Target Wall Street Target
35 USD 39.61%
Price
Max Price Target
Min Price Target
Average Price Target
383836363434323230302828262624242222202018181616May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.80% DIVIDEND YIELD
0.25 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.201.201.001.000.800.800.600.600.400.400.200.200.000.000.230.140.230.140.230.140.230.140.230.140.240.140.240.240.240.250.250.230.140.230.140.230.140.230.140.230.140.240.140.240.240.250.250.250.230.140.230.140.230.140.230.140.230.140.240.140.240.240.250.250.230.920.140.560.230.920.140.560.230.920.140.560.230.920.140.560.230.920.140.560.240.960.140.560.240.960.240.960.250.990.251.000.502015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 12
6. Ownership
Insider Ownership Dime Community Bancshares, Inc.
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Sold
0-3 MONTHS
1.23 M USD 4
3-6 MONTHS
71.5 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
57.9 K USD 2
0-3 MONTHS
928 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Dime Community Bancshares Declares Quarterly Cash Dividend for Common Stock HAUPPAUGE, N.Y., March 27, 2025 (GLOBE NEWSWIRE) -- Dime Community Bancshares, Inc. (Nasdaq: DCOM) (the “Company”) announced that its Board of Directors declared a quarterly cash dividend of $0.25 per share of Common Stock, payable on April 24, 2025 to common stockholders of record as of April 17, 2025. globenewswire.com - 2 weeks ago
Dime Expands Lending Presence on Long Island HAUPPAUGE, N.Y., March 21, 2025 (GLOBE NEWSWIRE) -- Dime Community Bancshares, Inc. (NASDAQ: DCOM) (the “Company” or “Dime”), the parent company of Dime Community Bank (the “Bank”) announced that it has hired Antonia (Toni) Badolato as Senior Vice President and Group Leader. Toni comes to Dime from M&T Bank where she held the position of Senior Vice President, Group Manager. globenewswire.com - 2 weeks ago
Dime Announces Expansion in Manhattan With Hire of Jim LoGatto HAUPPAUGE, N.Y., March 18, 2025 (GLOBE NEWSWIRE) -- Dime Community Bancshares, Inc. (NASDAQ: DCOM) (the “Company” or “Dime”), the parent company of Dime Community Bank (the “Bank”), announced today that Jim LoGatto has joined the Company as an Executive Vice President. globenewswire.com - 3 weeks ago
Tom Geisel to Join Dime's Senior Executive Leadership Team HAUPPAUGE, N.Y., Feb. 20, 2025 (GLOBE NEWSWIRE) -- Dime Community Bancshares, Inc. (NASDAQ: DCOM) (the “Company” or “Dime”), the parent company of Dime Community Bank (the “Bank”), announced today that Thomas X. globenewswire.com - 1 month ago
Wall Street Analysts See a 28.08% Upside in Dime Community (DCOM): Can the Stock Really Move This High? The average of price targets set by Wall Street analysts indicates a potential upside of 28.1% in Dime Community (DCOM). While the effectiveness of this highly sought-after metric is questionable, the positive trend in earnings estimate revisions might translate into an upside in the stock. zacks.com - 2 months ago
Dime Community (DCOM) Upgraded to Buy: Here's What You Should Know Dime Community (DCOM) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy). zacks.com - 2 months ago
Dime Community Bancshares: Baby Bond Offers An 8.1% Yield To Maturity Dime Community Bancshares' baby bonds are now a better income option than preferred shares due to recent market movements and stable performance. The bank's net interest margin and net interest spread have significantly improved, driven by a drop in borrowing yields and stable asset yields. Impressive deposit growth outpaced loan growth, reducing the loan-to-deposit ratio and external borrowing, which should enhance future earnings. seekingalpha.com - 2 months ago
Dime Announces Continued Partnership with Island Harvest in 2025 HAUPPAUGE, N.Y., Jan. 28, 2025 (GLOBE NEWSWIRE) -- Dime Community Bancshares, Inc. (Nasdaq: DCOM) (the “Company” or “Dime”), the parent company of Dime Community Bank (the “Bank”) today announced that it will continue its role as a partner with Island Harvest for the 4th consecutive year. Island Harvest is Long Island's leading hunger-relief organization. globenewswire.com - 2 months ago
Dime Community Bancshares Declares Quarterly Cash Dividend for Series A Preferred Stock HAUPPAUGE, N.Y., Jan. 23, 2025 (GLOBE NEWSWIRE) -- Dime Community Bancshares, Inc. (Nasdaq: DCOM, DCOMP and DCOMG) (the “Company”) announced that its Board of Directors declared a quarterly cash dividend of $0.34375 per share on the Company's 5.50% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series A, payable on February 13, 2025 to holders of record as of February 6, 2025. globenewswire.com - 2 months ago
Dime Community Bancshares, Inc. (DCOM) Q4 2024 Earnings Call Transcript Dime Community Bancshares, Inc. (NASDAQ:DCOM ) Q4 2024 Earnings Conference Call January 23, 2025 8:30 AM ET Company Participants Stuart Lubow - President & Chief Executive Officer Avi Reddy - Chief Financial Officer Conference Call Participants Mark Fitzgibbon - Piper Sandler Steve Moss - Raymond James Chris O'Connell - KBW Manuel Navas - D.A. Davidson Matthew Breese - Stephens Inc. Operator Good day. seekingalpha.com - 2 months ago
Dime Community (DCOM) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates The headline numbers for Dime Community (DCOM) give insight into how the company performed in the quarter ended December 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 2 months ago
Dime Community (DCOM) Q4 Earnings Lag Estimates Dime Community (DCOM) came out with quarterly earnings of $0.42 per share, missing the Zacks Consensus Estimate of $0.43 per share. This compares to earnings of $0.39 per share a year ago. zacks.com - 2 months ago
8. Profile Summary

Dime Community Bancshares, Inc. DCOM

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 1.09 B
Dividend Yield 0.80%
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.
Contact 898 Veterans Memorial Highway, Hauppauge, NY, 11788 https://www.dime.com
IPO Date Jan. 12, 1999
Employees 887
Officers Mr. Stuart H. Lubow Chief Executive Officer, President & Director Ms. Nancy Tomich Executive Vice President & Senior Group Leader Mr. Austin Stonitsch Executive Vice President & Chief Human Resources Officer Mr. Avinash Reddy Senior EVice President, Chief Financial Officer & Principal Accounting Officer Mr. Michael J. Fegan Senior EVice President and Chief Technology & Operations Officer Mr. Mario Caracappa Executive Vice President and Director of Treasury Management of Sales & Service Steven Miley Executive Vice President & Chief Marketing Officer Mr. Conrad J. Gunther Jr. Senior EVice President & Chief Lending Officer Mr. Kenneth J. Mahon Executive Chairman Ms. Judy Wu Executive Vice President, General Counsel & Corporate Secretary