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Financial Services - Banks - Regional - NASDAQ - US
$ 26.27
0.194 %
$ 1.15 B
Market Cap
43.76
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one DCOM stock under the worst case scenario is HIDDEN Compared to the current market price of 26.3 USD, Dime Community Bancshares, Inc. is HIDDEN

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one DCOM stock under the base case scenario is HIDDEN Compared to the current market price of 26.3 USD, Dime Community Bancshares, Inc. is HIDDEN

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one DCOM stock under the best case scenario is HIDDEN Compared to the current market price of 26.3 USD, Dime Community Bancshares, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart DCOM

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$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$24.0$22.0$22.015 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '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%
171 M REVENUE
199.49%
35.9 M OPERATING INCOME
331.02%
-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 644 M
PP&E 81.1 M
Other Non-Current Assets -435 M
85.10 %27.76 %3.49 %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 35 M
Other Non-Current Liabilities 12.9 B
99.34 %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 8.3 M
Change in Working Capital 0
Others 30.7 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 $32.4 , with forecasts ranging from a low of $27 to a high of $35 .
DCOM Lowest Price Target Wall Street Target
27 USD 2.78%
DCOM Average Price Target Wall Street Target
32.4 USD 23.33%
DCOM Highest Price Target Wall Street Target
35 USD 33.23%
Price
Max Price Target
Min Price Target
Average Price Target
3636343432323030282826262424222220201818Jul '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 '26Jun '26Jun '26
4. DIVIDEND ANALYSIS
0.90% 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
51.2 K USD 1
3-6 MONTHS
1.23 M USD 4
6-9 MONTHS
71.5 K USD 1
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
57.9 K USD 2
3-6 MONTHS
928 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Dime Announces Receipt of Federal Reserve and NYDFS Approvals for Lakewood, NJ Branch Location HAUPPAUGE, N.Y., June 02, 2025 (GLOBE NEWSWIRE) -- Dime Community Bancshares, Inc. (NASDAQ: DCOM) (the “Company” or “Dime”), the parent company of Dime Community Bank (the “Bank”), announced it has received approvals from the Federal Reserve Bank of New York and the New York State Department of Financial Services to open a branch location in Lakewood, New Jersey. globenewswire.com - 2 weeks ago
Dime Adds Fund Finance Banking Vertical HAUPPAUGE, N.Y., May 05, 2025 (GLOBE NEWSWIRE) -- As part of the continued execution of its growth plan, Dime Community Bancshares, Inc. (NASDAQ: DCOM) (the “Company” or “Dime”), the parent company of Dime Community Bank (the “Bank”), announced the launch of a new fund finance vertical. globenewswire.com - 1 month ago
Solomon Ponniah to Join Dime as Group Leader HAUPPAUGE, N.Y., April 30, 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 Solomon Ponniah as Senior Vice President and Group Leader. globenewswire.com - 1 month ago
Dime Community Bancshares Declares Quarterly Cash Dividend for Series A Preferred Stock HAUPPAUGE, N.Y., April 24, 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 May 15, 2025 to holders of record as of May 8, 2025. globenewswire.com - 1 month ago
Dime Community Bancshares: Well, I Was Wrong I downgraded Dime Community Bancshares to a 'Hold' last year, but the stock has since surged 42.7%, outperforming the S&P 500. Despite improvements in net interest income and profitability, the stock remains expensive relative to earnings, justifying my 'Hold' rating. Asset quality remains a concern, with DCOM lagging behind peers in return on assets and equity. seekingalpha.com - 1 month ago
Dime Community Bancshares, Inc. (DCOM) Q1 2025 Earnings Call Transcript Dime Community Bancshares, Inc. (NASDAQ:DCOM ) Q1 2025 Earnings Conference Call April 22, 2025 8:30 AM ET Company Participants Stuart Lubow - President & Chief Executive Officer Avi Reddy - Chief Financial Officer Conference Call Participants Steve Moss - Raymond James Mark Fitzgibbon - Piper Sandler Christopher O'Connell - KBW Manuel Navas - D.A. Davidson Matthew Breese - Stephens Inc. Operator Good day and thank you for standing by. seekingalpha.com - 1 month ago
Dime Community (DCOM) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates The headline numbers for Dime Community (DCOM) give insight into how the company performed in the quarter ended March 2025, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 1 month ago
Dime Community (DCOM) Q1 Earnings Beat Estimates Dime Community (DCOM) came out with quarterly earnings of $0.57 per share, beating the Zacks Consensus Estimate of $0.55 per share. This compares to earnings of $0.38 per share a year ago. zacks.com - 1 month ago
Dime Community Bancshares, Inc. Reports First Quarter 2025 EPS of $0.45; Adjusted EPS of $0.57 Continued Growth in Core Deposits and Business Loans On a Year-over-Year Basis Net Interest Margin Expands by 16 basis points on a Linked Quarter Basis to 2.95% HAUPPAUGE, N.Y., April 22, 2025 (GLOBE NEWSWIRE) -- Dime Community Bancshares, Inc. (NASDAQ: DCOM) (the “Company” or “Dime”), the parent company of Dime Community Bank (the “Bank”), today reported net income available to common stockholders of $19.6 million for the quarter ended March 31, 2025, or $0.45 per diluted common share, compared to net loss available to common stockholders of $22.2 million, or $(0.54) per diluted common share, for the quarter ended December 31, 2024 and net income available to common stockholders of $15.9 million for the quarter ended March 31, 2024, or $0.41 per diluted common share. globenewswire.com - 1 month ago
Dime Announces Plans to Enter Lakewood, New Jersey HAUPPAUGE, N.Y., April 17, 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 its Board of Directors has approved a plan to expand into Lakewood, New Jersey. globenewswire.com - 2 months ago
Dime Community (DCOM) Earnings Expected to Grow: What to Know Ahead of Next Week's Release Dime Community (DCOM) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 2 months ago
Dime Continues to Execute Growth Plan With Hire of Deposit-Focused Group HAUPPAUGE, N.Y., April 10, 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 a deposit-focused Group that will cover the Queens market. globenewswire.com - 2 months ago
8. Profile Summary

Dime Community Bancshares, Inc. DCOM

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 1.15 B
Dividend Yield 0.90%
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 Mr. Avinash Reddy Senior EVice President & Chief Financial Officer Mr. Kenneth J. Mahon Executive Chairman