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DCOMDime Community Bancshares, Inc.
$39.00$1.7B
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DCOM logoDime Community Bancshares, Inc.(DCOM)Earnings, Financials & Key Ratios

DCOM•NASDAQ•Banking & Credit
16.5× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutDime 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.Show more
  • Net Interest Income$408M+28.3%
  • Total Revenue$730M+13.0%
  • Net Income$111M+280.6%
  • Return on Equity7.71%+247.5%
  • Net Interest Margin2.66%+20.0%
  • Efficiency Ratio34.65%-1.2%
  • ROA0.75%+258.8%
  • Equity / Assets9.62%-1.1%
  • Book Value per Share34.28-4.4%

DCOM Key Insights

Dime Community Bancshares, Inc. (DCOM) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 21.2%
  • ✓Strong Piotroski F-Score: 8/9
  • ✓Efficient operations: 34.7% efficiency ratio
  • ✓Healthy dividend yield of 2.6%
  • ✓Trading near 52-week high
  • ✓Trading at only 1.1x book value

✗Weaknesses

  • ✗Shares diluted 10.6% in last year

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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DCOM Price & Volume

Dime Community Bancshares, Inc. (DCOM) stock price & volume — 10-year historical chart

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DCOM Growth Metrics

Dime Community Bancshares, Inc. (DCOM) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years14.82%
5 Years23.4%
3 Years15.23%
TTM-

Profit CAGR

10 Years9.47%
5 Years21.2%
3 Years-10.14%
TTM280.56%

EPS CAGR

10 Years6.78%
5 Years6.38%
3 Years-14.03%
TTM301.69%

Return on Capital

10 Years5.03%
5 Years5.89%
3 Years4.15%
Last Year6.13%

DCOM Recent Earnings

Dime Community Bancshares, Inc. (DCOM) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 11/12 qtrs (92%)
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$0.74-3.9%
$0.77
Rev
$124M+1.6%
$122M
Q1 2026
Jan 21, 2026
Metric
Actual
Est
EPS
$0.79+12.9%
$0.70
Rev
$124M+4.8%
$118M
Q4 2025
Oct 23, 2025
Metric
Actual
Est
EPS
$0.61-11.1%
$0.69
Rev
$116M+2.4%
$113M
Q3 2025
Jul 24, 2025
Metric
Actual
Est
EPS
$0.64+1.6%
$0.63
Rev
$110M+0.7%
$109M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$0.74vs $0.77-3.9%
$124Mvs $122M+1.6%
Q1 2026Jan 21, 2026
$0.79vs $0.70+12.9%
$124Mvs $118M+4.8%
Q4 2025Oct 23, 2025
$0.61vs $0.69-11.1%
$116Mvs $113M+2.4%
Q3 2025Jul 24, 2025
$0.64vs $0.63+1.6%
$110Mvs $109M+0.7%
Based on last 12 quarters of dataView full earnings history →

DCOM Peer Comparison

Dime Community Bancshares, Inc. (DCOM) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
SI logoSIShoulder Innovations, Inc.Direct Competitor383.11M18.55-35.6749.63%-81.78%-35.31%0.10
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.44B46.6814.0210.36%18.76%9.51%0.17
TRST logoTRSTTrustCo Bank Corp NYDirect Competitor925.2M52.2416.075.77%21.97%8.86%0.28
PFBC logoPFBCPreferred BankProduct Competitor1.21B99.049.51-4.11%26.59%17.29%0.49
CTBI logoCTBICommunity Trust Bancorp, Inc.Product Competitor1.23B68.3512.598.86%23.96%11.96%0.46
KRNY logoKRNYKearny Financial Corp.Product Competitor532.62M8.4720.175.09%9.41%4.31%1.68
NFBK logoNFBKNorthfield Bancorp, Inc.Product Competitor601.82M14.41727.78-26.69%0.3%0.11%1.44
BCBP logoBCBPBCB Bancorp, Inc.Product Competitor191.99M11.06-13.17-15.49%-7.53%-4%0.99

Compare DCOM vs Peers

Dime Community Bancshares, Inc. (DCOM) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SI

Most directly comparable listed peer for DCOM.

Scale Benchmark

vs ICE

Larger-name benchmark to compare DCOM against a more recognizable public peer.

Peer Set

Compare Top 5

vs SI, NBTB, TRST, PFBC

DCOM Income Statement

Dime Community Bancshares, Inc. (DCOM) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
152.73M146.33M147.42M177.7M357.61M379.86M316.57M318.05M408M
NII Growth %
6.44%-4.19%0.75%20.54%101.24%6.22%-16.66%0.47%28.28%
Net Interest Margin %
2.39%2.32%2.32%2.62%2.96%2.88%2.32%2.22%2.66%
Interest Income
212.1M221.71M238.27M234.01M384.63M439.23M609.36M650.15M685.44M
Interest Expense
59.37M75.38M90.85M56.3M27.02M59.36M292.79M332.1M277.44M
Loan Loss Provision
520K2.24M17.34M26.16M6.21M5.37M2.77M36.11M43.03M
Non-Interest Income
11.1M9.52M12.17M21.27M42.07M38.16M36.21M-3.96M44.93M
Non-Interest Income %
4.97%4.12%4.86%8.33%9.86%7.99%5.61%-0.61%6.15%
Total Revenue
223.2M▲ 0%
231.23M▲ 3.6%
250.44M▲ 8.3%
255.28M▲ 1.9%
426.69M▲ 67.1%
477.38M▲ 11.9%
645.57M▲ 35.2%
646.19M▲ 0.1%
730.38M▲ 13.0%
Revenue Growth %
9.75%3.6%8.3%1.93%67.15%11.88%35.23%0.1%13.03%
Non-Interest Expense
74.57M86.89M95.39M117.83M245.3M200.73M213.13M226.55M253.1M
Efficiency Ratio
33.41%37.58%38.09%46.16%57.49%42.05%33.01%35.06%34.65%
Operating Income
88.74M▲ 0%
66.72M▼ 24.8%
46.86M▼ 29.8%
54.98M▲ 17.3%
148.17M▲ 169.5%
211.91M▲ 43.0%
136.88M▼ 35.4%
51.44M▼ 62.4%
156.8M▲ 204.8%
Operating Margin %
39.76%28.85%18.71%21.54%34.72%44.39%21.2%7.96%21.47%
Operating Income Growth %
-33.52%-24.82%-29.76%17.33%169.47%43.03%-35.41%-62.42%204.83%
Pretax Income
88.74M▲ 0%
66.72M▼ 24.8%
46.86M▼ 29.8%
54.98M▲ 17.3%
148.17M▲ 169.5%
211.91M▲ 43.0%
136.88M▼ 35.4%
51.44M▼ 62.4%
156.8M▲ 204.8%
Pretax Margin %
39.76%28.85%18.71%21.54%34.72%44.39%21.2%7.96%21.47%
Income Tax
36.86M15.43M10.68M12.67M44.17M59.36M40.78M22.36M46.12M
Effective Tax Rate %
41.53%23.12%22.78%23.04%29.81%28.01%29.8%43.46%29.41%
Net Income
51.88M▲ 0%
51.29M▼ 1.1%
36.19M▼ 29.4%
42.32M▲ 16.9%
104M▲ 145.7%
152.56M▲ 46.7%
96.09M▼ 37.0%
29.08M▼ 69.7%
110.68M▲ 280.6%
Net Margin %
23.24%22.18%14.45%16.58%24.37%31.96%14.89%4.5%15.15%
Net Income Growth %
-28.45%-1.14%-29.45%16.95%145.75%46.69%-37.01%-69.73%280.56%
Net Income (Continuing)
51.88M51.29M36.19M42.32M104M152.56M96.09M29.08M110.68M
EPS (Diluted)
1.38▲ 0%
1.38▲ 0.0%
1.01▼ 26.8%
1.74▲ 72.3%
2.45▲ 40.8%
3.73▲ 52.2%
2.29▼ 38.6%
0.55▼ 76.0%
2.37▲ 330.9%
EPS Growth %
-29.95%0%-26.81%72.28%40.8%52.24%-38.61%-75.98%330.91%
EPS (Basic)
1.381.381.021.742.453.732.290.552.36
Diluted Shares Outstanding
37.6M37.09M35.88M32.79M38.9M38.54M38.19M38.93M43.05M

DCOM Balance Sheet

Dime Community Bancshares, Inc. (DCOM) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
524.85M650.14M706.48M782.46M1.96B1.12B1.34B1.29B3.15B
Cash & Due from Banks
169.46M147.26M155.49M243.6M393.72M169.3M457.55M1.28B2.35B
Short Term Investments
355.39M502.88M551M538.86M1.56B950.59M886.24M6.6M797.93M
Total Investments
5.94B5.88B5.87B6.15B11.04B12.26B12.39B12.34B10.5B
Investments Growth %
5.44%-0.92%-0.2%4.77%79.49%11.04%1.06%-0.39%-14.92%
Long-Term Investments
5.58B5.38B5.32B5.61B9.48B11.31B11.5B12.33B9.7B
Accounts Receivables
00034.81M40.15M48.56M55.67M55.97M55.57M
Goodwill & Intangibles
55.64M55.64M55.64M59.02M164.16M162.28M160.86M159.69M158.74M
Goodwill
55.64M55.64M55.64M55.64M155.8M155.8M155.8M155.8M155.8M
Intangible Assets
0003.38M8.36M6.48M5.06M3.9M2.94M
PP&E (Net)
24.33M24.71M59.55M52.95M114.63M104.61M97.6M81.05M119.86M
Other Assets
217.57M211.29M213.78M230.66M314.89M447.48M476.84M433.88M2.16B
Total Current Assets
524.85M650.14M706.48M827.59M2B1.17B1.4B1.35B3.21B
Total Non-Current Assets
5.88B5.67B5.65B5.95B10.07B12.02B12.24B13.01B12.13B
Total Assets
6.4B▲ 0%
6.32B▼ 1.3%
6.35B▲ 0.5%
6.78B▲ 6.7%
12.07B▲ 77.9%
13.19B▲ 9.3%
13.64B▲ 3.4%
14.35B▲ 5.3%
15.34B▲ 6.9%
Asset Growth %
6.63%-1.29%0.54%6.72%77.93%9.31%3.38%5.26%6.89%
Return on Assets (ROA)
0.84%0.81%0.57%0.64%1.1%1.21%0.72%0.21%0.75%
Accounts Payable
000000000
Total Debt
1.28B1.24B1.36B1.48B290.06M1.39B1.57B979.32M370.63M
Net Debt
1.11B1.09B1.2B1.24B-103.66M1.22B1.11B-304.25M-1.98B
Long-Term Debt
1.28B1.24B1.32B1.44B222.1M1.33B1.51B880.33M324.9M
Short-Term Debt
0001.22M1.86M1.36M050M0
Other Liabilities
117.83M122.63M114.82M76.23M124.71M372.95M310.48M291.28M653.98M
Total Current Liabilities
4.4B4.36B4.28B4.53B10.46B10.26B10.53B11.74B12.84B
Total Non-Current Liabilities
1.4B1.36B1.48B1.55B412.91M1.76B1.88B1.22B1.02B
Total Liabilities
5.8B5.72B5.76B6.08B10.87B12.02B12.41B12.96B13.87B
Total Equity
598.57M▲ 0%
602.08M▲ 0.6%
596.76M▼ 0.9%
701.1M▲ 17.5%
1.19B▲ 70.1%
1.17B▼ 1.9%
1.23B▲ 4.8%
1.4B▲ 13.9%
1.48B▲ 5.7%
Equity Growth %
5.78%0.59%-0.88%17.48%70.11%-1.93%4.84%13.89%5.67%
Equity / Assets (Capital Ratio)
9.35%9.53%9.39%10.34%9.88%8.87%8.99%9.73%9.62%
Return on Equity (ROE)
8.91%8.54%6.04%6.52%10.98%12.92%8.02%2.22%7.71%
Book Value per Share
15.9216.2316.6321.3830.6630.3532.1135.8734.28
Tangible BV per Share
14.4414.7315.0819.5826.4426.1427.9031.7730.59
Common Stock
536K537K537K348K416K416K416K461K462K
Additional Paid-in Capital
276.73M277.51M279.32M278.3M494.13M495.41M494.45M624.82M623.04M
Retained Earnings
535.13M565.71M581.82M600.64M654.73M762.76M813.01M794.53M854.17M
Accumulated OCI
-3.64M-6.5M-5.94M-5.92M-6.18M-94.38M-91.58M-45.02M-31.47M
Treasury Stock
-204.56M-230.05M-250.75M-287.34M-59.19M-103.12M-98.02M-87.2M-78.34M
Preferred Stock
000116.57M116.57M116.57M116.57M116.57M116.57M

DCOM Cash Flow Statement

Dime Community Bancshares, Inc. (DCOM) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
43.26M64.31M68.49M59.93M146.33M295.17M90.87M99.06M186.57M
Operating CF Growth %
115.67%48.64%6.51%-12.5%144.16%101.72%-69.21%9%88.34%
Net Income
51.88M51.29M36.19M42.32M104M152.56M96.09M29.08M110.68M
Depreciation & Amortization
3.67M4.96M5.08M5.07M10.43M10.19M7.45M6.86M0
Deferred Taxes
10.52M-807K-2.38M-1.97M8.6M0000
Other Non-Cash Items
-14.17M2.94M30.75M38.77M17.47M26.08M26.86M78.98M50.64M
Working Capital Changes
-10.33M4.39M-2.98M-31.48M432K102.06M-44.73M-24.17M25.24M
Cash from Investing
-332.34M48.33M-10.37M-324.38M1.1B-1.33B-214.05M64.13M-69.45M
Purchase of Investments
-364.05M-389.42M-317.92M-219.88M-1.14B-102.44M-114.41M-402.73M-274.37M
Sale/Maturity of Investments
30.13M236.03M279.11M247.92M556.57M196.83M177.65M580.11M209.77M
Net Investment Activity
-333.92M-153.39M-38.81M28.04M-578.71M94.39M63.24M177.38M-64.59M
Acquisitions
0000715.99M0002M
Other Investing
10.8M206.01M30.17M-351.47M965.54M-1.42B-271.56M-107M94.59M
Cash from Financing
345.03M-134.84M-49.89M352.57M-1.1B812.59M411.42M662.84M953.28M
Dividends Paid
-21M-20.83M-20.08M-23.49M-46.64M-44.08M-44.59M-45.32M-50.21M
Share Repurchases
-350K-25.88M-24.19M-35.36M-59.4M-46.76M-947K00
Stock Issued
951K000000135.76M924K
Net Stock Activity
601K-25.88M-24.19M-35.36M-59.4M-46.76M-947K135.76M924K
Debt Issuance (Net)
1000K-1000K1000K1000K-1000K1000K1000K-1000K-1000K
Other Financing
-15.69M-43.48M-82.52M173.09M519.16M-204.62M276.32M1.16B1.15B
Net Change in Cash
55.95M▲ 0%
-22.2M▼ 139.7%
8.23M▲ 137.1%
88.11M▲ 970.4%
150.12M▲ 70.4%
-224.43M▼ 249.5%
288.25M▲ 228.4%
826.02M▲ 186.6%
1.07B▲ 29.6%
Exchange Rate Effect
000000000
Cash at Beginning
113.5M169.46M147.26M155.49M243.6M393.72M169.3M457.55M1.28B
Cash at End
169.46M147.26M155.49M243.6M393.72M169.3M457.55M1.28B2.35B
Interest Paid
59.82M74.3M92.71M59.14M28.46M54.91M280.81M00
Income Taxes Paid
36.52M8.43M11.94M15.76M34.77M43.52M37.91M00
Free Cash Flow
34.03M▲ 0%
60.02M▲ 76.4%
66.77M▲ 11.3%
58.98M▼ 11.7%
146.33M▲ 148.1%
291.43M▲ 99.2%
85.15M▼ 70.8%
92.8M▲ 9.0%
182.44M▲ 96.6%
FCF Growth %
138.23%76.35%11.26%-11.67%148.1%99.16%-70.78%8.98%96.59%

DCOM Banking Ratios

Dime Community Bancshares, Inc. (DCOM) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)
13.68%8.91%8.54%6.04%6.52%10.98%12.92%8.02%2.22%7.71%
Return on Assets (ROA)
1.31%0.84%0.81%0.57%0.64%1.1%1.21%0.72%0.21%0.75%
Net Interest Margin
2.39%2.39%2.32%2.32%2.62%2.96%2.88%2.32%2.22%2.66%
Efficiency Ratio
7.69%33.41%37.58%38.09%46.16%57.49%42.05%33.01%35.06%34.65%
Equity / Assets
9.42%9.35%9.53%9.39%10.34%9.88%8.87%8.99%9.73%9.62%
Book Value / Share
15.3715.9216.2316.6321.3830.6630.3532.1135.8734.28
NII Growth
11.61%6.44%-4.19%0.75%20.54%101.24%6.22%-16.66%0.47%28.28%
Dividend Payout
28.38%40.48%40.61%55.5%44.22%37.84%24.12%38.82%130.78%38.78%
Related:DCOM Dividend History·DCOM Revenue History·DCOM Price History·DCOM P/E History·DCOM Financial Ratios·DCOM Institutional Holders

DCOM SEC Filings & Documents

Dime Community Bancshares, Inc. (DCOM) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 23, 2026·SEC

Material company update

Apr 23, 2026·SEC

Material company update

Mar 25, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 20, 2026·SEC

FY 2025

Feb 20, 2025·SEC

10-Q Quarterly Reports

5
FY 2025

Nov 3, 2025·SEC

FY 2025

Aug 5, 2025·SEC

FY 2025

May 6, 2025·SEC

DCOM Frequently Asked Questions

Dime Community Bancshares, Inc. (DCOM) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Dime Community Bancshares, Inc. (DCOM) grew revenue by 13.0% over the past year. This is steady growth.

Yes, Dime Community Bancshares, Inc. (DCOM) is profitable, generating $110.7M in net income for fiscal year 2025 (15.2% net margin).

Dividend & Returns

Yes, Dime Community Bancshares, Inc. (DCOM) pays a dividend with a yield of 2.56%. This makes it attractive for income-focused investors.

Dime Community Bancshares, Inc. (DCOM) has a return on equity (ROE) of 7.7%. This is below average, suggesting room for improvement.

Industry Metrics

Dime Community Bancshares, Inc. (DCOM) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.

Dime Community Bancshares, Inc. (DCOM) has an efficiency ratio of 34.7%. This is excellent, indicating strong cost control.

What if you invested $1,000 in DCOM back in 1995?

Total return calculator · dividends reinvested · 31+ years of data

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How much would $100/month in DCOM be worth today?

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