Dime Community Bancshares, Inc. (DCOM) Financial Ratios
31 years of historical data (1995–2025) · Financial Services · Banks - Regional
EV/EBITDA
↓
-2.18
↓-118% vs avg
5yr avg: 12.28
30Y Low8.0·High47.3
P/FCF
↓
9.00
-1% vs avg
5yr avg: 9.13
30Y Low4.2·High119.6
P/B Ratio
↓
1.09
+14% vs avg
5yr avg: 0.95
30Y Low0.8·High3.9
ROE
↓
7.7%
-8% vs avg
5yr avg: 8.4%
30Y Low2%·High19%
Debt/EBITDA
↑
2.36
↓-69% vs avg
5yr avg: 7.63
30Y Low1.8·High30.6
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
DCOM Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Dime Community Bancshares, Inc. trades at 15.7x earnings, 24% below its 5-year average of 20.6x, sitting at the 21st percentile of its historical range. Compared to the Financial Services sector median P/E of 13.1x, the stock trades at a premium of 20%. On a free-cash-flow basis, the stock trades at 9.0x P/FCF, roughly in line with the 5-year average of 9.1x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.6B | $1.3B | $1.2B | $1.0B | $1.2B | $1.4B | $793M | $1.2B | $945M | $1.3B | $1.4B |
| Enterprise Value | $-341329610 | $-687872299 | $893M | $2.1B | $2.5B | $1.3B | $2.0B | $2.4B | $2.0B | $2.4B | $2.1B |
| P/E Ratio → | 15.73 | 12.70 | 55.89 | 11.76 | 8.53 | 14.35 | 13.90 | 33.20 | 18.47 | 25.36 | 19.24 |
| P/S Ratio | 2.25 | 1.77 | 1.85 | 1.59 | 2.57 | 3.21 | 3.11 | 4.80 | 4.09 | 5.90 | 6.86 |
| P/B Ratio | 1.09 | 0.88 | 0.86 | 0.84 | 1.05 | 1.15 | 1.13 | 2.02 | 1.57 | 2.20 | 2.47 |
| P/FCF | 9.00 | 7.10 | 12.90 | 12.08 | 4.21 | 9.35 | 13.44 | 18.02 | 15.75 | 38.67 | 97.66 |
| P/OCF | 8.80 | 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
DCOM EV Ratios
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 | — | -0.94 | 1.38 | 3.31 | 5.13 | 2.96 | 7.95 | 9.61 | 8.81 | 10.89 | 10.39 |
| EV / EBITDA | -2.18 | -4.39 | 15.31 | 14.82 | 11.03 | 7.97 | 33.78 | 46.36 | 28.42 | 26.30 | 15.56 |
| EV / EBIT | -2.18 | -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 |
DCOM Profitability
Margins and return-on-capital ratios measuring operating efficiency
Dime Community Bancshares, Inc. earns an operating margin of 21.5%, roughly in line with the Financial Services sector average. ROE of 7.7% is modest, trailing the sector median of 9.4%. ROIC of 5.6% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
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 | 56.1% | 56.1% | 43.0% | 54.2% | 86.4% | 92.2% | 67.7% | 56.8% | 66.4% | 73.2% | 73.3% |
| Operating Margin | 21.5% | 21.5% | 8.0% | 21.2% | 44.4% | 34.7% | 21.5% | 18.7% | 28.9% | 39.8% | 65.6% |
| Net Profit Margin | 15.2% | 15.2% | 4.5% | 14.9% | 32.0% | 24.4% | 16.6% | 14.4% | 22.2% | 23.2% | 35.7% |
Return on Capital
| 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% |
DCOM Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Dime Community Bancshares, Inc. carries a Debt/EBITDA ratio of 2.4x, which is manageable (43% below the sector average of 4.1x). The company holds a net cash position — cash of $2.4B exceeds total debt of $371M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.6x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| 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 | 2.36 | 2.36 | 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 | -12.65 | -12.65 | -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)
DCOM Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.25x is below 1.0, meaning current liabilities exceed current assets — though the company's $2.4B cash position helps mitigate short-term liquidity concerns. The current ratio has improved from 0.13x to 0.25x over the past 3 years.
| 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 | — | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
DCOM Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Dime Community Bancshares, Inc. returns 2.7% to shareholders annually primarily through dividends. The payout ratio of 38.8% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 6.4% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
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 | 2.7% | 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% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.4% | 7.9% | 1.8% | 8.5% | 11.7% | 7.0% | 7.2% | 3.0% | 5.4% | 3.9% | 5.2% |
| FCF Yield | 11.1% | 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 | 2.7% | 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 |
Peer Comparison
Compare DCOM with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 DCOMYou | $2B | 15.7 | -2.2 | 9.0 | 56.1% | 21.5% | 7.7% | 5.6% | 2.4 |
 SI | $263M | -16.6 | — | — | 77.0% | -46.3% | — | — | — |
 NBTB | $2B | 13.5 | 10.4 | 10.7 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 TRST | $858M | 14.9 | 11.1 | 18.8 | 67.1% | 29.2% | 9.0% | 7.2% | 2.1 |
 PFBC | $1B | 9.1 | 3.9 | 6.9 | 55.0% | 38.0% | 17.2% | 13.5% | 2.0 |
 CTBI | $1B | 14.4 | 10.3 | 12.4 | 63.2% | 28.4% | 11.3% | 7.7% | 2.9 |
 KRNY | $508M | 19.2 | 44.5 | 23.8 | 44.1% | 9.0% | 3.5% | 1.1% | 35.0 |
 NFBK | $588M | 19.5 | 24.2 | 19.6 | 49.1% | 16.1% | 4.3% | 2.0% | 15.6 |
 BCBP | $175M | -12.0 | — | 5.0 | 26.7% | -11.0% | -4.0% | -1.9% | — |
 FNF | $14B | 22.7 | 7.0 | 2.1 | 98.2% | 9.9% | 6.9% | 10.1% | 2.1 |
 FAF | $7B | 11.6 | 7.3 | 9.4 | 95.6% | 11.1% | 11.9% | 10.7% | 1.8 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonDCOM — Frequently Asked Questions
Quick answers to the most common questions about buying DCOM stock.
What is Dime Community Bancshares, Inc.'s P/E ratio?
Dime Community Bancshares, Inc.'s current P/E ratio is 15.7x. The historical average is 22.0x. This places it at the 21th percentile of its historical range.
What is Dime Community Bancshares, Inc.'s EV/EBITDA?
Dime Community Bancshares, Inc.'s current EV/EBITDA is -2.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 26.6x.
What is Dime Community Bancshares, Inc.'s ROE?
Dime Community Bancshares, Inc.'s return on equity (ROE) is 7.7%. The historical average is 10.1%.
Is DCOM stock overvalued?
Based on historical data, Dime Community Bancshares, Inc. is trading at a P/E of 15.7x. This is at the 21th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Dime Community Bancshares, Inc.'s dividend yield?
Dime Community Bancshares, Inc.'s current dividend yield is 2.68% with a payout ratio of 38.8%.
What are Dime Community Bancshares, Inc.'s profit margins?
Dime Community Bancshares, Inc. has 56.1% gross margin and 21.5% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Dime Community Bancshares, Inc. have?
Dime Community Bancshares, Inc.'s Debt/EBITDA ratio is 2.4x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.