Latest Ratios: P/E Ratio 16.9x · EV/EBITDA -1.4x · ROE 7.7%. (1995–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.8B | $1.3B | $1.2B | $1.0B | $1.2B | $1.4B | $793M | $1.2B | $945M | $1.3B | $1.4B |
| Enterprise Value | $-220999675 | $-687872299 | $893M | $2.1B | $2.5B | $1.3B | $2.0B | $2.4B | $2.0B | $2.4B | $2.1B |
| P/E Ratio → | 16.86 | 12.70 | 55.89 | 11.76 | 8.53 | 14.35 | 13.90 | 33.20 | 18.47 | 25.36 | 19.24 |
| P/S Ratio | 3.89 | 2.86 | 3.81 | 2.92 | 2.93 | 3.42 | 3.98 | 7.54 | 6.07 | 8.03 | 9.22 |
| P/B Ratio | 1.17 | 0.88 | 0.86 | 0.84 | 1.05 | 1.15 | 1.13 | 2.02 | 1.57 | 2.20 | 2.47 |
| P/FCF | 9.66 | 7.10 | 12.90 | 12.08 | 4.21 | 9.35 | 13.44 | 18.02 | 15.75 | 38.67 | 97.66 |
| P/OCF | 9.45 | 6.94 | 12.08 | 11.32 | 4.16 | 9.35 | 13.23 | 17.56 | 14.70 | 30.42 | 69.55 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | -1.52 | 2.84 | 6.06 | 5.86 | 3.16 | 10.19 | 15.09 | 13.07 | 14.83 | 13.97 |
| EV / EBITDA | -1.36 | -4.24 | 15.31 | 14.82 | 11.03 | 7.97 | 33.78 | 46.36 | 28.42 | 26.30 | 15.56 |
| EV / EBIT | -1.41 | -4.39 | 17.35 | 15.63 | 11.56 | 8.53 | 36.89 | 51.38 | 30.54 | 27.38 | 15.83 |
| EV / FCF | — | -3.77 | 9.62 | 25.13 | 8.41 | 8.64 | 34.39 | 36.06 | 33.95 | 71.41 | 147.90 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 90.5% | 90.5% | 88.5% | 99.2% | 98.7% | 98.4% | 86.9% | 89.1% | 98.6% | 99.7% | 98.6% |
| Operating Margin | 34.6% | 34.6% | 16.4% | 38.8% | 50.7% | 37.1% | 27.6% | 29.4% | 42.8% | 54.2% | 88.3% |
| Net Profit Margin | 24.4% | 24.4% | 9.3% | 27.2% | 36.5% | 26.0% | 21.3% | 22.7% | 32.9% | 31.7% | 47.9% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.7% | 7.7% | 2.2% | 8.0% | 12.9% | 11.0% | 6.5% | 6.0% | 8.5% | 8.9% | 13.7% |
| ROA | 0.7% | 0.7% | 0.2% | 0.7% | 1.2% | 1.1% | 0.6% | 0.6% | 0.8% | 0.8% | 1.3% |
| ROIC | 5.6% | 5.6% | 1.5% | 3.8% | 7.9% | 6.1% | 2.0% | 1.9% | 2.7% | 4.1% | 6.5% |
| ROCE | 6.1% | 6.1% | 1.8% | 4.5% | 9.3% | 7.7% | 2.5% | 2.3% | 3.4% | 4.9% | 7.7% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.25 | 0.25 | 0.70 | 1.28 | 1.19 | 0.24 | 2.11 | 2.28 | 2.06 | 2.14 | 1.47 |
| Debt / EBITDA | 2.28 | 2.28 | 16.80 | 10.87 | 6.27 | 1.83 | 24.63 | 26.19 | 17.29 | 13.89 | 6.12 |
| Net Debt / Equity | — | -1.34 | -0.22 | 0.91 | 1.05 | -0.09 | 1.76 | 2.02 | 1.81 | 1.86 | 1.27 |
| Net Debt / EBITDA | -12.21 | -12.21 | -5.22 | 7.70 | 5.51 | -0.65 | 20.57 | 23.20 | 15.23 | 12.06 | 5.29 |
| Debt / FCF | — | -10.87 | -3.28 | 13.05 | 4.20 | -0.71 | 20.95 | 18.04 | 18.19 | 32.74 | 50.24 |
| Interest Coverage | 0.57 | 0.57 | 0.15 | 0.47 | 3.57 | 5.48 | 0.98 | 0.52 | 0.89 | 1.49 | 2.56 |
Net cash position: cash ($2.4B) exceeds total debt ($371M)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.25 | 0.25 | 0.11 | 0.13 | 0.11 | 0.19 | 0.18 | 0.16 | 0.15 | 0.12 | 0.03 |
| Quick Ratio | 0.25 | 0.25 | 0.11 | 0.13 | 0.11 | 0.19 | 0.18 | 0.16 | 0.15 | 0.12 | 0.03 |
| Cash Ratio | 0.18 | 0.18 | 0.11 | 0.04 | 0.02 | 0.04 | 0.05 | 0.04 | 0.03 | 0.04 | 0.03 |
| Asset Turnover | — | 0.03 | 0.02 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.02 | 0.03 | 0.03 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.5% | 3.3% | 3.2% | 3.6% | 3.0% | 2.9% | 2.4% | 1.7% | 2.2% | 1.6% | 1.5% |
| Payout Ratio | 38.8% | 38.8% | 130.8% | 38.8% | 24.1% | 37.8% | 44.2% | 55.5% | 40.6% | 40.5% | 28.4% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 5.9% | 7.9% | 1.8% | 8.5% | 11.7% | 7.0% | 7.2% | 3.0% | 5.4% | 3.9% | 5.2% |
| FCF Yield | 10.4% | 14.1% | 7.8% | 8.3% | 23.8% | 10.7% | 7.4% | 5.6% | 6.3% | 2.6% | 1.0% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.1% | 3.8% | 4.3% | 4.5% | 2.0% | 2.7% | 0.0% | 0.0% |
| Total Shareholder Yield | 2.5% | 3.3% | 3.2% | 3.7% | 6.8% | 7.2% | 6.8% | 3.7% | 4.9% | 1.6% | 1.5% |
| Shares Outstanding | — | $43M | $39M | $38M | $39M | $39M | $33M | $36M | $37M | $38M | $37M |
Includes 30+ ratios · 30 years · Updated daily
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Quick answers to the most common questions about buying DCOM stock.
Dime Community Bancshares, Inc.'s current P/E ratio is 16.9x. The historical average is 22.0x. This places it at the 29th percentile of its historical range.
Dime Community Bancshares, Inc.'s current EV/EBITDA is -1.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 26.6x.
Dime Community Bancshares, Inc.'s return on equity (ROE) is 7.7%. The historical average is 10.1%.
Based on historical data, Dime Community Bancshares, Inc. is trading at a P/E of 16.9x. This is at the 29th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Dime Community Bancshares, Inc.'s current dividend yield is 2.50% with a payout ratio of 38.8%.
Dime Community Bancshares, Inc. has 90.5% gross margin and 34.6% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
Dime Community Bancshares, Inc.'s Debt/EBITDA ratio is 2.3x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.
Key Metrics
Top Statement Risk
NYC CRE concentration risk
Metrics are mathematically derived from official filings.
Premium Priced for Transition
DCOM trades at 1.18x book and 12.0x forward earnings, a premium to peers like NBTB (1.39x P/B) but below its own historical average, suggesting the market is pricing in successful commercial diversification.
The forward P/E of 12.01 implies the market expects earnings to recover from the depressed 2026Q2 level, but the P/B of 1.18 is only modestly above tangible book, indicating limited premium for the franchise. Given the ROTCE of roughly 7.4% (based on reported figures), the current multiple suggests investors are not yet convinced the transition to a commercial relationship bank will lift returns to peer levels. The PEG of 2.67, while high, reflects the low near-term earnings base rather than excessive growth expectations.
ROE Trapped by Thin NIM
ROE improved to 2.3% in 2026Q2 from 1.5% a year earlier, but remains far below the 9-11% range of peers like NBTB and TRST, as NIM of 0.8% and low leverage constrain returns.
The DuPont decomposition shows that DCOM's ROE is primarily driven by asset utilization (NIM plus fee income) and leverage, with the equity-to-assets ratio at 10% limiting the multiplier. The NIM of 0.8% is exceptionally low, reflecting the high cost of deposits in the NYC market and the drag from purchase accounting accretion. Fee income at 6.0% of revenue provides some support, but the overall profitability profile remains weak, suggesting that the bank's cost of funds advantage is not yet translating into net interest margin expansion.
NIM Stuck at 0.8%
Net interest margin has been flat at 0.8% for the past two quarters, despite record revenue, indicating that funding cost pressures are offsetting loan yield gains, as reported in DCOM's quarterly filings.
The efficiency ratio improved to 34.7% in 2026Q2 from 38.2% a year earlier, reflecting strong revenue growth and disciplined expense control. However, the NIM stagnation suggests that the bank is paying up for deposits to retain its municipal franchise, and the benefit of higher asset yields is being absorbed. The provision expense increase to $13.9M further pressures net income, and the efficiency ratio improvement may not be sustainable if credit costs continue to rise.
Capital Buffers Adequate but Thin
Equity-to-assets ratio held at 10% in 2026Q2, unchanged from prior quarters, indicating a stable but modest capital position relative to the 11-12% typical of regional bank peers.
The stable equity ratio suggests DCOM is retaining earnings to support loan growth, but the buffer is not substantial. The low debt-to-equity ratio of 0.25% indicates minimal reliance on wholesale funding, which is a positive. However, the potential for unrealized losses in the securities portfolio (as noted in the balance sheet analysis) could pressure capital if rates rise further. The bank's ability to return capital is limited, as evidenced by the modest dividend yield of 2.5% and absence of buybacks.
Provisions Rise Amid CRE Scrutiny
Loan loss provisions increased to $13.9M in 2026Q2 from $9.2M a year earlier, reflecting elevated credit costs and regulatory scrutiny of NYC commercial real estate, according to DCOM's financial statements.
The rising provisions suggest that credit quality is deteriorating, particularly in the multi-family and CRE portfolios, which are concentrated in the NYC market. The allowance for credit losses may need to be increased if property values decline further, especially given the regulatory focus on rent-regulated units. The bank's net charge-offs are not disclosed, but the provision trend indicates that management is building reserves proactively. Investors should monitor the adequacy of the ACL relative to potential losses in the rent-stabilized portfolio.
P/E Misleads on Earnings Quality
The P/E ratio is commonly misapplied to DCOM because purchase accounting accretion from the 2021 BNB merger inflates reported earnings, masking the underlying organic profitability, as disclosed in financial statements.
The forward P/E of 12.01 appears attractive, but it is based on earnings that include accretable yield from acquired loans, which is not sustainable. A more appropriate metric is P/TBV, which at 1.18x reflects the market's valuation of the tangible book value. Additionally, the P/E is distorted by the volatile provision expenses, which can swing earnings significantly. Investors should adjust for merger-related accretion and focus on core pre-provision net revenue to assess the bank's true earning power.