8-K Announcements
6Apr 23, 2026·SEC
Apr 23, 2026·SEC
Mar 25, 2026·SEC
Dime Community Bancshares, Inc. (DCOM) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Dime Community Bancshares, Inc. (DCOM) stock price & volume — 10-year historical chart
Dime Community Bancshares, Inc. (DCOM) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Dime Community Bancshares, Inc. (DCOM) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.74vs $0.77-3.9% | $185Mvs $122M+51.0% |
| Q1 2026 | Jan 21, 2026 | $0.79vs $0.70+12.9% | $124Mvs $118M+4.8% |
| Q4 2025 | Oct 23, 2025 | $0.61vs $0.69-11.1% | $116Mvs $113M+2.4% |
| Q3 2025 | Jul 24, 2025 | $0.64vs $0.63+1.6% | $110Mvs $109M+0.7% |
Dime Community Bancshares, Inc. (DCOM) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison
Dime Community Bancshares, Inc. (DCOM) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Dime Community Bancshares, Inc. (DCOM) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 152.73M | 146.33M | 147.42M | 177.7M | 357.61M | 379.86M | 316.57M | 318.05M | 408M |
| 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 | 212.1M | 221.71M | 238.27M | 234.01M | 384.63M | 439.23M | 609.36M | 650.15M | 685.44M |
| Interest Expense | 59.37M | 75.38M | 90.85M | 56.3M | 27.02M | 59.36M | 292.79M | 332.1M | 277.44M |
| Loan Loss Provision | 520K | 2.24M | 17.34M | 26.16M | 6.21M | 5.37M | 2.77M | 36.11M | 43.03M |
| Non-Interest Income | 11.1M | 9.52M | 12.17M | 21.27M | 42.07M | 38.16M | 36.21M | -3.96M | 44.93M |
| 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 | 74.57M | 86.89M | 95.39M | 117.83M | 245.3M | 200.73M | 213.13M | 226.55M | 253.1M |
| 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 | 36.86M | 15.43M | 10.68M | 12.67M | 44.17M | 59.36M | 40.78M | 22.36M | 46.12M |
| 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) | 51.88M | 51.29M | 36.19M | 42.32M | 104M | 152.56M | 96.09M | 29.08M | 110.68M |
| 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) | 1.38 | 1.38 | 1.02 | 1.74 | 2.45 | 3.73 | 2.29 | 0.55 | 2.36 |
| Diluted Shares Outstanding | 37.6M | 37.09M | 35.88M | 32.79M | 38.9M | 38.54M | 38.19M | 38.93M | 43.05M |
Dime Community Bancshares, Inc. (DCOM) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 524.85M | 650.14M | 706.48M | 782.46M | 1.96B | 1.12B | 1.34B | 1.29B | 3.15B |
| Cash & Due from Banks | 169.46M | 147.26M | 155.49M | 243.6M | 393.72M | 169.3M | 457.55M | 1.28B | 2.35B |
| Short Term Investments | 355.39M | 502.88M | 551M | 538.86M | 1.56B | 950.59M | 886.24M | 6.6M | 797.93M |
| Total Investments | 5.94B | 5.88B | 5.87B | 6.15B | 11.04B | 12.26B | 12.39B | 12.34B | 10.5B |
| Investments Growth % | 5.44% | -0.92% | -0.2% | 4.77% | 79.49% | 11.04% | 1.06% | -0.39% | -14.92% |
| Long-Term Investments | 5.58B | 5.38B | 5.32B | 5.61B | 9.48B | 11.31B | 11.5B | 12.33B | 9.7B |
| Accounts Receivables | 0 | 0 | 0 | 34.81M | 40.15M | 48.56M | 55.67M | 55.97M | 55.57M |
| Goodwill & Intangibles | 55.64M | 55.64M | 55.64M | 59.02M | 164.16M | 162.28M | 160.86M | 159.69M | 158.74M |
| Goodwill | 55.64M | 55.64M | 55.64M | 55.64M | 155.8M | 155.8M | 155.8M | 155.8M | 155.8M |
| Intangible Assets | 0 | 0 | 0 | 3.38M | 8.36M | 6.48M | 5.06M | 3.9M | 2.94M |
| PP&E (Net) | 24.33M | 24.71M | 59.55M | 52.95M | 114.63M | 104.61M | 97.6M | 81.05M | 119.86M |
| Other Assets | 217.57M | 211.29M | 213.78M | 230.66M | 314.89M | 447.48M | 476.84M | 433.88M | 2.16B |
| Total Current Assets | 524.85M | 650.14M | 706.48M | 827.59M | 2B | 1.17B | 1.4B | 1.35B | 3.21B |
| Total Non-Current Assets | 5.88B | 5.67B | 5.65B | 5.95B | 10.07B | 12.02B | 12.24B | 13.01B | 12.13B |
| 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 1.28B | 1.24B | 1.36B | 1.48B | 290.06M | 1.39B | 1.57B | 979.32M | 370.63M |
| Net Debt | 1.11B | 1.09B | 1.2B | 1.24B | -103.66M | 1.22B | 1.11B | -304.25M | -1.98B |
| Long-Term Debt | 1.28B | 1.24B | 1.32B | 1.44B | 222.1M | 1.33B | 1.51B | 880.33M | 324.9M |
| Short-Term Debt | 0 | 0 | 0 | 1.22M | 1.86M | 1.36M | 0 | 50M | 0 |
| Other Liabilities | 117.83M | 122.63M | 114.82M | 76.23M | 124.71M | 372.95M | 310.48M | 291.28M | 653.98M |
| Total Current Liabilities | 4.4B | 4.36B | 4.28B | 4.53B | 10.46B | 10.26B | 10.53B | 11.74B | 12.84B |
| Total Non-Current Liabilities | 1.4B | 1.36B | 1.48B | 1.55B | 412.91M | 1.76B | 1.88B | 1.22B | 1.02B |
| Total Liabilities | 5.8B | 5.72B | 5.76B | 6.08B | 10.87B | 12.02B | 12.41B | 12.96B | 13.87B |
| 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 | 15.92 | 16.23 | 16.63 | 21.38 | 30.66 | 30.35 | 32.11 | 35.87 | 34.28 |
| Tangible BV per Share | 14.44 | 14.73 | 15.08 | 19.58 | 26.44 | 26.14 | 27.90 | 31.77 | 30.59 |
| Common Stock | 536K | 537K | 537K | 348K | 416K | 416K | 416K | 461K | 462K |
| Additional Paid-in Capital | 276.73M | 277.51M | 279.32M | 278.3M | 494.13M | 495.41M | 494.45M | 624.82M | 623.04M |
| Retained Earnings | 535.13M | 565.71M | 581.82M | 600.64M | 654.73M | 762.76M | 813.01M | 794.53M | 854.17M |
| 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 | 0 | 0 | 0 | 116.57M | 116.57M | 116.57M | 116.57M | 116.57M | 116.57M |
Dime Community Bancshares, Inc. (DCOM) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 43.26M | 64.31M | 68.49M | 59.93M | 146.33M | 295.17M | 90.87M | 99.06M | 186.57M |
| Operating CF Growth % | 115.67% | 48.64% | 6.51% | -12.5% | 144.16% | 101.72% | -69.21% | 9% | 88.34% |
| Net Income | 51.88M | 51.29M | 36.19M | 42.32M | 104M | 152.56M | 96.09M | 29.08M | 110.68M |
| Depreciation & Amortization | 3.67M | 4.96M | 5.08M | 5.07M | 10.43M | 10.19M | 7.45M | 6.86M | 0 |
| Deferred Taxes | 10.52M | -807K | -2.38M | -1.97M | 8.6M | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | -14.17M | 2.94M | 30.75M | 38.77M | 17.47M | 26.08M | 26.86M | 78.98M | 50.64M |
| Working Capital Changes | -10.33M | 4.39M | -2.98M | -31.48M | 432K | 102.06M | -44.73M | -24.17M | 25.24M |
| Cash from Investing | -332.34M | 48.33M | -10.37M | -324.38M | 1.1B | -1.33B | -214.05M | 64.13M | -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 | 30.13M | 236.03M | 279.11M | 247.92M | 556.57M | 196.83M | 177.65M | 580.11M | 209.77M |
| Net Investment Activity | -333.92M | -153.39M | -38.81M | 28.04M | -578.71M | 94.39M | 63.24M | 177.38M | -64.59M |
| Acquisitions | 0 | 0 | 0 | 0 | 715.99M | 0 | 0 | 0 | 2M |
| Other Investing | 10.8M | 206.01M | 30.17M | -351.47M | 965.54M | -1.42B | -271.56M | -107M | 94.59M |
| Cash from Financing | 345.03M | -134.84M | -49.89M | 352.57M | -1.1B | 812.59M | 411.42M | 662.84M | 953.28M |
| 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 | -947K | 0 | 0 |
| Stock Issued | 951K | 0 | 0 | 0 | 0 | 0 | 0 | 135.76M | 924K |
| Net Stock Activity | 601K | -25.88M | -24.19M | -35.36M | -59.4M | -46.76M | -947K | 135.76M | 924K |
| Debt Issuance (Net) | 1000K | -1000K | 1000K | 1000K | -1000K | 1000K | 1000K | -1000K | -1000K |
| Other Financing | -15.69M | -43.48M | -82.52M | 173.09M | 519.16M | -204.62M | 276.32M | 1.16B | 1.15B |
| 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 113.5M | 169.46M | 147.26M | 155.49M | 243.6M | 393.72M | 169.3M | 457.55M | 1.28B |
| Cash at End | 169.46M | 147.26M | 155.49M | 243.6M | 393.72M | 169.3M | 457.55M | 1.28B | 2.35B |
| Interest Paid | 59.82M | 74.3M | 92.71M | 59.14M | 28.46M | 54.91M | 280.81M | 0 | 0 |
| Income Taxes Paid | 36.52M | 8.43M | 11.94M | 15.76M | 34.77M | 43.52M | 37.91M | 0 | 0 |
| 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% |
Dime Community Bancshares, Inc. (DCOM) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 15.37 | 15.92 | 16.23 | 16.63 | 21.38 | 30.66 | 30.35 | 32.11 | 35.87 | 34.28 |
| 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% |
Dime Community Bancshares, Inc. (DCOM) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 23, 2026·SEC
Apr 23, 2026·SEC
Mar 25, 2026·SEC
Dime Community Bancshares, Inc. (DCOM) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.
Dime Community Bancshares, Inc. (DCOM) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates