Liquidity buffers have been significantly bolstered, with cash and cash equivalents increasing to $2.1 billion in 2026Q1 compared to $370.9 million in 2024Q1.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 | Jun'02 | Jun'00 | Jun'99 | Jun'98 | Jun'97 | Jun'96 | Jun'96 |
|---|
| Cash from Operations | 169.12M | 186.57M | 99.06M | 90.87M | 295.17M | 146.33M | 59.93M | 68.49M | 64.31M | 43.26M | 20.06M | 50.15M | 47.26M | 61.15M | 72.7M | 62.59M | 68.18M | 27.85M | 28.92M | 17.77M | 31.05M | 61.39M | 37.76M | 65.59M | 47.06M | 34.64M | 10.13M | 39.1M | 16M | -14.9M | 50.1M |
| Operating CF Growth % | 264.09% | 88.34% | 9% | -69.21% | 101.72% | 144.16% | -12.5% | 6.51% | 48.64% | 115.67% | -60% | 6.11% | -22.71% | -15.89% | 16.17% | -8.2% | 144.81% | -3.7% | 62.73% | -42.76% | -49.42% | 62.57% | -42.42% | 39.38% | 35.83% | 241.93% | -74.09% | 144.38% | - | - | - |
| Net Income | 123.81M | 110.68M | 29.08M | 96.09M | 152.56M | 104M | 42.32M | 36.19M | 51.29M | 51.88M | 72.51M | 44.77M | 44.25M | 43.55M | 40.31M | 47.31M | 41.39M | 26.19M | 28.03M | 22.44M | 30.59M | 36.21M | 46.22M | 51.28M | 38.68M | 25.24M | 22.37M | 19.9M | 13.1M | 12.3M | 7.3M |
| Depreciation & Amortization | 5.53M | 5.62M | 6.86M | 7.45M | 10.19M | 10.43M | 5.07M | 5.08M | 4.96M | 3.67M | 2.3M | 2.74M | 2.64M | 2.83M | 2.88M | 2.94M | 2.44M | 2.45M | 1.76M | 1.25M | 1.26M | 2.33M | 4.41M | 5.41M | 1.56M | 5.64M | 5.33M | 5M | 3.2M | 1.4M | 100K |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 8.6M | -1.97M | -2.38M | -807K | 10.52M | 1.1M | 6.88M | 771K | -940K | -2.07M | -1.22M | -737K | -8.66M | -3.05M | -834K | 103K | -649K | -533K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 57.85M | 54.29M | 78.98M | 26.86M | 26.08M | 17.47M | 38.77M | 30.75M | 2.94M | -14.17M | -66.93M | -3.13M | -4.67M | 158K | 20.36M | 10.06M | 16.32M | 21.91M | 7.06M | -603K | -3.27M | 4.1M | 4.25M | 7.29M | 2.91M | 2.82M | 7.03M | 22.7M | -14.3M | 6.8M | 4M |
| Working Capital Changes | -26.12M | 8.68M | -24.17M | -44.73M | 102.06M | 432K | -31.48M | -2.98M | 4.39M | -10.33M | -3.21M | -4.3M | 957K | 12.13M | 7.98M | 361K | 5.55M | -16.14M | -6.57M | -4.49M | 2.36M | 19.39M | -16.59M | 1.62M | 3.91M | 939K | -24.6M | -8.5M | 14M | -35.4M | 38.7M |
| Cash from Investing | 41.64M | -69.45M | 64.13M | -214.05M | -1.33B | 1.1B | -324.38M | -10.37M | 48.33M | -332.34M | -853.65M | -553.67M | -433.94M | -168.4M | 149.57M | -39.9M | -60.3M | -62.53M | -449.67M | -242.09M | -63.07M | 253.22M | -395.49M | -44.17M | -89.13M | -201.42M | -237.59M | -312.3M | -291.1M | 58M | -299.1M |
| Purchase of Investments | -365.97M | -274.37M | -402.73M | -114.41M | -102.44M | -1.14B | -219.88M | -317.92M | -389.42M | -364.05M | -339K | -5.22M | -12.72M | -2.27M | -83.31M | -293.61M | -147.45M | -46M | -189.31M | -109.15M | -24.11M | -53.47M | -434.91M | -531.32M | -169.16M | -93.75M | -233.85M | -410.4M | -432.6M | -362.9M | -626.8M |
| Sale/Maturity of Investments | 232.86M | 209.77M | 580.11M | 177.65M | 196.83M | 556.57M | 247.92M | 279.11M | 236.03M | 30.13M | 3.65M | 3.75M | 25.98M | 16.2M | 223.89M | 205.52M | 104.58M | 102.74M | 50.89M | 43.66M | 59.75M | 422.92M | 346.65M | 514.93M | 243.61M | 159.79M | 335.74M | 373.8M | 272.3M | 1000K | 1000K |
| Net Investment Activity | -133.11M | -64.59M | 177.38M | 63.24M | 94.39M | -578.71M | 28.04M | -38.81M | -153.39M | -333.92M | 3.31M | -1.47M | 13.26M | 13.92M | 140.58M | -88.09M | -42.87M | 56.74M | -138.42M | -65.49M | 35.63M | 369.44M | -88.27M | -16.39M | 74.46M | 66.03M | 101.88M | -36.6M | -160.3M | -361.9M | -625.8M |
| Acquisitions | 0 | 2M | 0 | 0 | 0 | 715.99M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | 179.65M | 94.59M | -107M | -271.56M | -1.42B | 965.54M | -351.47M | 30.17M | 206.01M | 10.8M | -851.19M | -550.71M | -445.58M | -180.36M | 13.41M | 52.07M | -13.53M | -117.82M | -302.9M | -174.03M | -91.79M | -114.98M | -305.48M | -25.83M | -161.99M | -266.4M | -338.39M | -241.3M | -130.8M | -168.7M | -109.2M |
| Cash from Financing | 818.16M | 953.28M | 662.84M | 411.42M | 812.59M | -1.1B | 352.57M | -49.89M | -134.84M | 345.03M | 882.94M | 489.24M | 419.33M | 73.95M | -187.46M | -69.16M | 39.73M | -137.01M | 530.06M | 299.76M | 18.08M | -300.99M | 360.23M | -18.84M | 42.53M | 176.72M | 225.03M | 274.7M | 272.2M | -40.9M | 259.3M |
| Dividends Paid | -50.29M | -50.21M | -45.32M | -44.59M | -44.08M | -46.64M | -23.49M | -20.08M | -20.83M | -21M | -20.58M | -20.29M | -20.11M | -19.73M | -19.22M | -18.9M | -18.64M | -18.5M | -18.27M | -18.05M | -19.75M | -19.87M | -19.77M | -15.81M | -9.9M | -8.74M | -7.7M | -5.9M | -2.6M | -500K | 0 |
| Share Repurchases | 0 | 0 | 0 | -947K | -46.76M | -59.4M | -35.36M | -24.19M | -25.88M | -350K | -344K | -300K | -173K | -291K | -175K | -128K | -32K | -36K | -720K | 0 | -4.04M | -2.13M | -611K | -1.8M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 915K | 924K | 135.76M | 0 | 0 | 0 | 0 | 0 | 0 | 951K | 48.5M | 0 | 638K | 46.24M | 10.51M | 28.09M | 1.42M | 302K | 0 | 149K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 915K | 924K | 135.76M | -947K | -46.76M | -59.4M | -35.36M | -24.19M | -25.88M | 601K | 48.16M | -300K | 465K | 45.95M | 10.33M | 27.96M | 1.39M | 266K | -720K | 149K | -4.04M | -2.13M | -611K | -1.8M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | -1000K | -1000K | -1000K | 1000K | 1000K | -1000K | 1000K | 1000K | -1000K | 1000K | -1000K | -1000K | 1000K | 1000K | -1000K | -1000K | -1000K | -1000K | 1000K | 1000K | -1000K | 1000K | 1000K | -1000K | -1000K | -1000K | 1000K | 1000K | 1000K | 1000K | -100K |
| Other Financing | 980.53M | 1.15B | 1.16B | 276.32M | -204.62M | 519.16M | 173.09M | -82.52M | -43.48M | -15.69M | 1.19B | 516.83M | 175.25M | -19.77M | -81.29M | -27.47M | 136.13M | -107.53M | 160.96M | 177.48M | 93.24M | -296.04M | 176.71M | 117.77M | 357.35M | 214.08M | -29.33M | -2.1M | 75.3M | -113.7M | 129.7M |
| Net Change in Cash | 1.03B | 1.07B | 826.02M | 288.25M | -224.43M | 150.12M | 88.11M | 8.23M | -22.2M | 55.95M | 49.35M | -14.28M | 32.66M | -33.3M | 34.82M | -46.47M | 47.61M | -171.68M | 109.31M | 75.44M | -13.94M | 13.62M | 2.51M | 2.59M | 461K | 9.95M | -2.43M | 1.5M | -2.9M | 2.1M | -6.8M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 2.35B | 1.28B | 457.55M | 169.3M | 393.72M | 243.6M | 155.49M | 147.26M | 169.46M | 113.5M | 64.15M | 78.44M | 45.78M | 79.08M | 44.26M | 90.73M | 43.12M | 211.02M | 101.71M | 26.26M | 40.2M | 26.58M | 24.07M | 21.49M | 25.32M | 15.37M | 17.8M | 16.3M | 19.2M | 17.1M | 6.8M |
| Cash at End | 2.06B | 2.35B | 1.28B | 457.55M | 169.3M | 393.72M | 243.6M | 155.49M | 147.26M | 169.46M | 113.5M | 64.15M | 78.44M | 45.78M | 79.08M | 44.26M | 90.73M | 39.34M | 211.02M | 101.71M | 26.26M | 40.2M | 26.58M | 24.07M | 25.78M | 25.32M | 15.37M | 17.8M | 16.3M | 19.2M | 0 |
| Interest Paid | 271.54M | 278.28M | 343.25M | 280.81M | 54.91M | 28.46M | 59.14M | 92.71M | 74.3M | 59.82M | 52.32M | 46.7M | 48.33M | 47.16M | 87.28M | 70.04M | 80.45M | 98.65M | 109.79M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Income Taxes Paid | 34.18M | 0 | 0 | 37.91M | 43.52M | 34.77M | 15.76M | 11.94M | 8.43M | 36.52M | 58.38M | 25.66M | 29.04M | 29.86M | 26.91M | 36.62M | 26.95M | 21.61M | 20.2M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 164.22M | 182.44M | 92.8M | 85.15M | 291.43M | 146.33M | 58.98M | 66.77M | 60.02M | 34.03M | 14.29M | 48.66M | 45.65M | 59.19M | 68.28M | 58.7M | 64.27M | 26.4M | 20.57M | 15.21M | 24.14M | 60.15M | 36.02M | 63.64M | 45.47M | 33.59M | 9.05M | 4.7M | 16M | -15.6M | 49.3M |
| FCF Growth % | 28.01% | 96.59% | 8.98% | -70.78% | 99.16% | 148.1% | -11.67% | 11.26% | 76.35% | 138.23% | -70.65% | 6.62% | -22.88% | -13.32% | 16.32% | -8.66% | 143.41% | 28.39% | 35.24% | -37% | -59.87% | 66.97% | -43.4% | 39.97% | 35.36% | 271.06% | 92.6% | -70.63% | - | - | - |
NYC Real Estate Concentration
Based on reported financial statements, DCOM generated $34.6 million in net income during 2026Q1, demonstrating a consistent ability to retain earnings that bolster regulatory capital buffers despite the ongoing pressures of maintaining a high-touch municipal deposit franchise within the competitive New York City metropolitan area.
The bank's ability to convert net income into operating cash flow, evidenced by an OCF/NI ratio of 1.39 in 2026Q1, suggests that core earnings remain the primary driver of capital accumulation. Investors should monitor whether this organic capital generation remains sufficient to support loan growth without necessitating dilutive equity issuance.
As indicated by quarterly cash flow data, DCOM actively managed its investment securities portfolio with $121.3 million in purchases and $47.6 million in sales during 2026Q1, reflecting a strategic effort to rebalance liquidity in response to shifting interest rate expectations and municipal deposit volatility.
The frequent turnover in the investment portfolio appears to be a tactical response to the bank's need for liquidity management rather than a long-term duration play. This activity suggests that management is prioritizing balance sheet flexibility to mitigate the risks associated with its concentrated NYC real estate exposure.
According to recent SEC filings, DCOM maintained a steady dividend payout of $12.6 million per quarter throughout early 2026, which appears sustainable relative to current earnings, though the lack of significant share buybacks suggests a conservative approach to capital return in the current regulatory environment.
The consistency of dividend payments indicates management's commitment to shareholder returns, yet the absence of buybacks may imply a desire to preserve capital for potential credit losses. This strategy appears prudent given the idiosyncratic risks inherent in the bank's rent-regulated multi-family loan portfolio.
Based on reported figures, DCOM allocated $12.3 million to loan loss provisions in 2026Q1, a trend that highlights the bank's proactive stance in addressing potential credit deterioration within its significant commercial real estate and multi-family lending segments across the New York City metropolitan area.
The steady increase in provisioning levels relative to earlier periods suggests that management is accounting for the potential impact of regulatory shifts on collateral values. Analysts should monitor whether these provisions remain adequate if the NYC real estate market experiences further valuation pressure or liquidity constraints.
Quick answers to the most common questions about buying DCOM stock.
Dime Community Bancshares, Inc. (DCOM) generated $186.6M in net cash from operating activities in 2025. This reflects the cash generated directly from core business operations.
Dime Community Bancshares, Inc. (DCOM) generated $182.4M in free cash flow in 2025. Free cash flow is the cash left over after capital expenditures, which can be used to pay dividends, repurchase shares, or pay down debt.
Dime Community Bancshares, Inc. (DCOM) spent $101.4M on capital expenditures in 2025. CapEx represents the cash invested in physical assets like property, plant, and equipment to maintain or grow the business.
In 2025, Dime Community Bancshares, Inc. (DCOM) returned $50.2M to shareholders via cash dividends. This shows the company's commitment to returning capital to its equity investors.