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Company Analysis

Dime Community Bancshares, Inc. DCOM

A comprehensive view of key metrics, scores, and financial health for Dime Community Bancshares, Inc.

Overview of Dime Community Bancshares, Inc.

DCOM NMS
Financial Services Banks - Regional Framework: Banks & Lenders Small Cap
Dime Community Bancshares, Inc. (DCOM), is a Small Cap company, in the Banks - Regional industry, last closed at $41.86, about 20.8% overvalued vs fair value, +58.9% 1Y return, ranked 485/1078 in sector.
Metrics P/E 12.8× Rev Growth 44.2% ROE 7.7% Gross Margin 90.5% Div Yield 3.80%
USD 41.86
-1.55%
(Delayed)
• Vol 90d: 21.1%
52-Week Range
Market Cap
$1.83B
Enterprise Value
$556.94M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 100%
Confidence: 95%
Updated: Oct 24
Top Beats

Quick Facts

Website https://www.dime.com
HQ Hauppauge, NY
Employees 902
Fiscal year Dec 31

Next Events

Earnings Jan 20 Estimated

Fair Value Snapshot

Bear Base Bull
$18
$33
$62
Current: $41.86 -21% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$685.4M
5.4%%
Interest Expense
$277.4M
Net Interest Income
$408.0M
28.3%%
Total Revenue
$452.9M
44.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.5%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$50.2M
49.5% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Dime Community Bancshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
35
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key risks

  • Capital Adequacy Concerns Capital adequacy is concerning (score 0.36).
  • Credit Quality Concerns Credit quality is concerning (asset quality score 0.39).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Developing
36
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing DCOM's balance between Growth (45.7%), Profitability (25.0%), and Safety (29.3%). Growth 46% Safety 29% Profitability 25%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

72th percentile vs peers
73
Key Signals
NII Growth YoY 28.3% 88p Asset Growth YoY 6.9% 64p EPS Growth YoY 3.29 97p Equity Growth YoY 6.2% 36p
Strengths
  • NII Growth YoY in top 20% of peers (28.3%, 88th percentile)
  • EPS Growth YoY in top 20% of peers (3.29, 97th percentile)
  • Cash & Securities to Assets in top 20% of peers (24.5%, 87th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks

No significant risks identified for this axis.

Profitability

39th percentile vs peers
40
Key Signals
Strengths
Risks
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Safety

46th percentile vs peers
47
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Dime Community Bancshares, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$33.15
- - -
-20.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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