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DCOM logoDime Community Bancshares, Inc.(DCOM)Earnings, Financials & Key Ratios

DCOM•NASDAQ•Banking & Credit
$37.19
$1.64B mkt cap·15.7× P/E·Price updated May 6, 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%
  • Tangible BV/Share30.59-3.7%
  • Debt/Equity0.25-64.2%
Technical→

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 2.7%
  • ✓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.

DCOM Price & Volume

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

Loading chart...

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
EPS
$0.74
Est $0.77
-3.9%
Revenue
$185M
Est $122M
+51.0%
Q1 2026
Jan 21, 2026
EPS
$0.79
Est $0.70
+12.9%
Revenue
$124M
Est $118M
+4.8%
Q4 2025
Oct 23, 2025
EPS
$0.61
Est $0.69
-11.1%
Revenue
$116M
Est $113M
+2.4%
Q3 2025
Jul 24, 2025
EPS
$0.64
Est $0.63
+1.6%
Revenue
$110M
Est $109M
+0.7%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$0.74vs $0.77-3.9%
$185Mvs $122M+51.0%
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
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
SI logoSISHOULDER INNOVATIONS, INC.Direct Competitor265.34M12.89-16.7464.07%
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.36B45.2013.5710.36%9.51%0.17
TRST logoTRSTTrustCo Bank Corp NYDirect Competitor861.09M48.6214.965.77%8.86%0.28
PFBC logoPFBCPreferred BankProduct Competitor1.17B96.089.23-4.11%17.29%0.49
CTBI logoCTBICommunity Trust Bancorp, Inc.Product Competitor1.2B66.2714.3815.23%11.22%0.42
KRNY logoKRNYKearny Financial Corp.Product Competitor510.29M8.1219.325.09%4.31%1.68
NFBK logoNFBKNorthfield Bancorp, Inc.Product Competitor587.44M14.0519.5113.88%5.48%1.08
BCBP logoBCBPBCB Bancorp, Inc.Product Competitor173.59M10.00-11.90-15.49%-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
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income152.73M146.33M147.42M177.7M357.61M379.86M316.57M318.05M408M
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 Income212.1M221.71M238.27M234.01M384.63M439.23M609.36M650.15M685.44M
Interest Expense59.37M75.38M90.85M56.3M27.02M59.36M292.79M332.1M277.44M
Loan Loss Provision520K2.24M17.34M26.16M6.21M5.37M2.77M36.11M43.03M
Non-Interest Income11.1M9.52M12.17M21.27M42.07M38.16M36.21M-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 Expense74.57M86.89M95.39M117.83M245.3M200.73M213.13M226.55M253.1M
Efficiency Ratio33.41%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 Tax36.86M15.43M10.68M12.67M44.17M59.36M40.78M22.36M46.12M
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 Outstanding37.6M37.09M35.88M32.79M38.9M38.54M38.19M38.93M43.05M

DCOM Balance Sheet

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

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments524.85M650.14M706.48M782.46M1.96B1.12B1.34B1.29B3.15B
Cash & Due from Banks169.46M147.26M155.49M243.6M393.72M169.3M457.55M1.28B2.35B
Short Term Investments355.39M502.88M551M538.86M1.56B950.59M886.24M6.6M797.93M
Total Investments5.94B5.88B5.87B6.15B11.04B12.26B12.39B12.34B10.5B
Investments Growth %5.44%-0.92%-0.2%4.77%79.49%11.04%1.06%-0.39%-14.92%
Long-Term Investments5.58B5.38B5.32B5.61B9.48B11.31B11.5B12.33B9.7B
Accounts Receivables00034.81M40.15M48.56M55.67M55.97M55.57M
Goodwill & Intangibles55.64M55.64M55.64M59.02M164.16M162.28M160.86M159.69M158.74M
Goodwill55.64M55.64M55.64M55.64M155.8M155.8M155.8M155.8M155.8M
Intangible Assets0003.38M8.36M6.48M5.06M3.9M2.94M
PP&E (Net)24.33M24.71M59.55M52.95M114.63M104.61M97.6M81.05M119.86M
Other Assets217.57M211.29M213.78M230.66M314.89M447.48M476.84M433.88M2.16B
Total Current Assets524.85M650.14M706.48M827.59M2B1.17B1.4B1.35B3.21B
Total Non-Current Assets5.88B5.67B5.65B5.95B10.07B12.02B12.24B13.01B12.13B
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 Payable000000000
Total Debt1.28B1.24B1.36B1.48B290.06M1.39B1.57B979.32M370.63M
Net Debt1.11B1.09B1.2B1.24B-103.66M1.22B1.11B-304.25M-1.98B
Long-Term Debt1.28B1.24B1.32B1.44B222.1M1.33B1.51B880.33M324.9M
Short-Term Debt0001.22M1.86M1.36M050M0
Other Liabilities117.83M122.63M114.82M76.23M124.71M372.95M310.48M291.28M653.98M
Total Current Liabilities4.4B4.36B4.28B4.53B10.46B10.26B10.53B11.74B12.84B
Total Non-Current Liabilities1.4B1.36B1.48B1.55B412.91M1.76B1.88B1.22B1.02B
Total Liabilities5.8B5.72B5.76B6.08B10.87B12.02B12.41B12.96B13.87B
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 Share15.9216.2316.6321.3830.6630.3532.1135.8734.28
Tangible BV per Share14.4414.7315.0819.5826.4426.1427.9031.7730.59
Common Stock536K537K537K348K416K416K416K461K462K
Additional Paid-in Capital276.73M277.51M279.32M278.3M494.13M495.41M494.45M624.82M623.04M
Retained Earnings535.13M565.71M581.82M600.64M654.73M762.76M813.01M794.53M854.17M
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 Stock000116.57M116.57M116.57M116.57M116.57M116.57M

DCOM Cash Flow Statement

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

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations43.26M64.31M68.49M59.93M146.33M295.17M90.87M99.06M186.57M
Operating CF Growth %115.67%48.64%6.51%-12.5%144.16%101.72%-69.21%9%88.34%
Net Income51.88M51.29M36.19M42.32M104M152.56M96.09M29.08M110.68M
Depreciation & Amortization3.67M4.96M5.08M5.07M10.43M10.19M7.45M6.86M0
Deferred Taxes10.52M-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 Investments30.13M236.03M279.11M247.92M556.57M196.83M177.65M580.11M209.77M
Net Investment Activity-333.92M-153.39M-38.81M28.04M-578.71M94.39M63.24M177.38M-64.59M
Acquisitions0000715.99M0002M
Other Investing10.8M206.01M30.17M-351.47M965.54M-1.42B-271.56M-107M94.59M
Cash from Financing345.03M-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 Issued951K000000135.76M924K
Net Stock Activity601K-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 Effect000000000
Cash at Beginning113.5M169.46M147.26M155.49M243.6M393.72M169.3M457.55M1.28B
Cash at End169.46M147.26M155.49M243.6M393.72M169.3M457.55M1.28B2.35B
Interest Paid59.82M74.3M92.71M59.14M28.46M54.91M280.81M00
Income Taxes Paid36.52M8.43M11.94M15.76M34.77M43.52M37.91M00
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 Margin2.39%2.39%2.32%2.32%2.62%2.96%2.88%2.32%2.22%2.66%
Efficiency Ratio7.69%33.41%37.58%38.09%46.16%57.49%42.05%33.01%35.06%34.65%
Equity / Assets9.42%9.35%9.53%9.39%10.34%9.88%8.87%8.99%9.73%9.62%
Book Value / Share15.3715.9216.2316.6321.3830.6630.3532.1135.8734.28
NII Growth11.61%6.44%-4.19%0.75%20.54%101.24%6.22%-16.66%0.47%28.28%
Dividend Payout28.38%40.48%40.61%55.5%44.22%37.84%24.12%38.82%130.78%38.78%

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 2.68%. 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.

Explore More DCOM

Dime Community Bancshares, Inc. (DCOM) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

→
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