image
Dime Community Bancshares, Inc. DCOM
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 28.89
-0.173 %
$ 1.27 B
Market Cap
48.81
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 21, 2025.

The intrinsic value of one DCOM stock under the worst case scenario is HIDDEN Compared to the current market price of 28.9 USD, Dime Community Bancshares, Inc. is HIDDEN

DCOM Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jul, 21, 2025.

The intrinsic value of one DCOM stock under the base case scenario is HIDDEN Compared to the current market price of 28.9 USD, Dime Community Bancshares, Inc. is HIDDEN

DCOM Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jul, 21, 2025.

The intrinsic value of one DCOM stock under the best case scenario is HIDDEN Compared to the current market price of 28.9 USD, Dime Community Bancshares, Inc. is HIDDEN

DCOM Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart DCOM

image
1M 2%
6M -6%
1Y 32%
3Y -3%
5Y 77%
All
$34.0$34.0$33.0$33.0$32.0$32.0$31.0$31.0$30.0$30.0$29.0$29.0$28.0$28.0$27.0$27.0$26.0$26.0$25.0$25.0$24.0$24.0$23.0$23.0Feb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '2515 Jul15 Jul
FINANCIALS
646 M REVENUE
0.10%
Growth Rates
1Year 0.10%
3Years 14.84%
5Years 20.87%
7Years 16.40%
10Years 13.55%
51.4 M OPERATING INCOME
-62.42%
Growth Rates
1Year -62.42%
3Years -29.72%
5Years 1.88%
7Years -7.49%
10Years -3.62%
29.1 M NET INCOME
-69.73%
Growth Rates
1Year -69.73%
3Years -34.60%
5Years -4.28%
7Years -7.94%
10Years -4.11%
99.1 M OPERATING CASH FLOW
9.00%
Growth Rates
1Year 9.00%
3Years -12.20%
5Years 7.66%
7Years 12.56%
10Years 7.68%
64.1 M INVESTING CASH FLOW
129.96%
Growth Rates
1Year 129.96%
3Years -61.26%
5Years 52.27%
7Years 11.87%
10Years 7.94%
663 M FINANCING CASH FLOW
61.11%
Growth Rates
1Year 61.11%
3Years 37.56%
5Years 72.53%
7Years 9.78%
10Years 4.69%
171 M REVENUE
30.30%
Growth Rates
1Year 0.10%
3Years 14.84%
5Years 20.87%
7Years 16.40%
10Years 13.55%
28.7 M OPERATING INCOME
267.98%
Growth Rates
1Year -62.42%
3Years -29.72%
5Years 1.88%
7Years -7.49%
10Years -3.62%
21.5 M NET INCOME
205.12%
Growth Rates
1Year -69.73%
3Years -34.60%
5Years -4.28%
7Years -7.94%
10Years -4.11%
65.4 M OPERATING CASH FLOW
-26.51%
Growth Rates
1Year 9.00%
3Years -12.20%
5Years 7.66%
7Years 12.56%
10Years 7.68%
-84.5 M INVESTING CASH FLOW
-338.67%
Growth Rates
1Year 129.96%
3Years -61.26%
5Years 52.27%
7Years 11.87%
10Years 7.94%
-234 M FINANCING CASH FLOW
-43.01%
Growth Rates
1Year 61.11%
3Years 37.56%
5Years 72.53%
7Years 9.78%
10Years 4.69%
Balance Sheet Dime Community Bancshares, Inc.
image
Current Assets 1.35 B
Cash & Short-Term Investments 1.29 B
Receivables 56 M
Other Current Assets 0
Non-Current Assets 13 B
Long-Term Investments 12.3 B
PP&E 81.1 M
Other Non-Current Assets 594 M
8.99 %85.92 %4.14 %Total Assets$14.4b
Current Liabilities 11.7 B
Accounts Payable 0
Short-Term Debt 50 M
Other Current Liabilities 11.7 B
Non-Current Liabilities 1.22 B
Long-Term Debt 929 M
Other Non-Current Liabilities 291 M
90.19 %7.17 %Total Liabilities$13.0b
EFFICIENCY
Earnings Waterfall Dime Community Bancshares, Inc.
image
Revenue 646 M
Cost Of Revenue 368 M
Gross Profit 278 M
Operating Expenses 227 M
Operating Income 51.4 M
Other Expenses 22.4 M
Net Income 29.1 M
700m700m600m600m500m500m400m400m300m300m200m200m100m100m00646m(368m)278m(227m)51m(22m)29mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 99.74%
5Years 97.60%
7Years 97.63%
10Years 94.75%
98.98% OPERATING MARGIN
98.98%
Averages
1Year 98.98%
3Years 69.08%
5Years 55.04%
7Years 56.53%
10Years 65.98%
4.47% NET MARGIN
4.47%
Averages
1Year 4.47%
3Years 22.74%
5Years 23.53%
7Years 24.75%
10Years 27.06%
2.08% ROE
2.08%
Averages
1Year 2.08%
3Years 7.64%
5Years 7.96%
7Years 7.77%
10Years 8.49%
0.20% ROA
0.20%
Averages
1Year 0.20%
3Years 0.69%
5Years 0.72%
7Years 0.71%
10Years 0.79%
15.68% ROIC
15.68%
Averages
1Year 15.68%
3Years 7.12%
5Years 5.20%
7Years 0.64%
10Years 2.73%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Dime Community Bancshares, Inc.
image
300m300m250m250m200m200m150m150m100m100m50m50m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
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 -24.2 M
Others 54.8 M
Free Cash Flow 92.8 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Dime Community Bancshares, Inc.
image
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 -6.54%
DCOM Average Price Target Wall Street Target
32.4 USD 12.15%
DCOM Highest Price Target Wall Street Target
35 USD 21.15%
Price
Max Price Target
Min Price Target
Average Price Target
363634343232303028282626242422222020Sep '24Sep '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
1.03% DIVIDEND YIELD
0.25 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.201.201.001.000.800.800.600.600.400.400.200.200.000.000.230.140.230.140.230.140.230.140.230.140.240.140.240.240.240.250.250.230.140.230.140.230.140.230.140.230.140.240.140.240.240.250.250.250.230.140.230.140.230.140.230.140.230.140.240.140.240.240.250.250.250.230.920.140.560.230.920.140.560.230.920.140.560.230.920.140.560.230.920.140.560.240.960.140.560.240.960.240.960.250.990.251.000.752015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
Download SVG
Download PNG
Download CSV
5. COMPETITION
slide 2 of 9
6. Ownership
Insider Ownership Dime Community Bancshares, Inc.
image
Sold
0-3 MONTHS
1.15 M USD 2
3-6 MONTHS
1.23 M USD 4
6-9 MONTHS
71.5 K USD 1
9-12 MONTHS
0 USD 0
Bought
1.1 M USD 1
0-3 MONTHS
25.3 K USD 2
3-6 MONTHS
961 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Dime Honored as Lending Partner of The Year by NHSNYC HAUPPAUGE, N.Y., July 17, 2025 (GLOBE NEWSWIRE) -- Dime Community Bancshares, Inc. (NASDAQ: DCOM) (the “Company” or “Dime”), the parent company of Dime Community Bank (the “Bank”), announced that Dime is being honored as the Lending Partner of the Year at Neighborhood Housing Services of New York City's Bridging the Gap Gala being held on October 7th, 2025. globenewswire.com - 2 weeks ago
Dime Adds Lender Finance Vertical HAUPPAUGE, N.Y., July 14, 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 Jason Brenner and Zack Schwartz were named Co-Heads of a newly established Lender Finance vertical. globenewswire.com - 3 weeks ago
Dime Community Bancshares: Preferred Shares Offer Better Income And Return Dime Community Bancshares has improved margins due to lower borrowing costs and a better loan-to-deposit ratio, despite tepid loan growth. Loan performance risks remain, with rising nonperforming assets and a low allowance for credit losses, making common shares less attractive. The baby bond DCOMG trades above par and faces call risk, reducing its yield to call to 6.68%, less appealing than headline yield. seekingalpha.com - 1 month ago
Dime Community Bancshares Declares Quarterly Cash Dividend for Common Stock HAUPPAUGE, N.Y., June 26, 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 July 24, 2025 to common stockholders of record as of July 17, 2025. globenewswire.com - 1 month ago
Dime Sponsors 10th New York City Small Business Challenge HAUPPAUGE, N.Y., June 25, 2025 (GLOBE NEWSWIRE) -- Dime Community Bancshares, Inc. (the “Company” or “Dime”) (NASDAQ: DCOM), the parent company of Dime Community Bank (the “Bank”), announced that the Bank, in partnership with 1010 WINS, hosted the Dime Community Bank $10K Small Business Challenge in Manhattan for the 10th consecutive year. This year's challenge saw a record number of applicants from across New York City competing for a $10,000 grant to support their new business growth. globenewswire.com - 1 month ago
New York banks, REITs fall as Mamdani's mayoral lead stokes rent freeze worries Shares of several New York-based banks and real estate investment trusts fell on Wednesday as Zohran Mamdani's lead in New York City's Democratic mayoral primary stoked concerns that his proposed rent freeze could pressure building owners. reuters.com - 1 month ago
Kroll Bond Rating Agency Revises Dime Community Bancshares, Inc.'s Ratings Outlook from “Stable” to “Positive” HAUPPAUGE, N.Y., June 17, 2025 (GLOBE NEWSWIRE) -- Dime Community Bancshares, Inc. (the “Company” or “Dime”) (NASDAQ: DCOM), the parent company of Dime Community Bank (the “Bank”), announced that Kroll Bond Rating Agency (“KBRA”), in a report dated June 17, 2025, revised its ratings outlook from “Stable” to “Positive.” Kroll's deposit and senior unsecured debt rating for Dime Community Bank is BBB+. globenewswire.com - 1 month ago
Dime Announces Approval of Lakewood, NJ Branch by the NJ Department of Banking and Insurance HAUPPAUGE, N.Y., June 17, 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 approval from the New Jersey Department of Banking and Insurance to open a branch location at 500 Boulevard of Americas in Lakewood, New Jersey. globenewswire.com - 1 month ago
Dime Continues to Execute on Growth Plan with the Hire of Shawn Gines HAUPPAUGE, N.Y., June 16, 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 today that Shawn Gines will join Dime as Executive Vice President, Corporate and Specialty Finance. globenewswire.com - 1 month ago
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 months 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 - 3 months 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 - 3 months ago
8. Profile Summary

Dime Community Bancshares, Inc. DCOM

image
COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 1.27 B
Dividend Yield 1.03%
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