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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 $39.23, about 15.5% overvalued vs fair value, +40.2% 1Y return, ranked 343/1078 in sector.
Metrics P/E 12.8× Rev Growth 44.2% ROE 7.7% Gross Margin 90.5% Div Yield 3.80%
USD 39.23
-0.58%
(Delayed)
• Vol 90d: 25.1%
52-Week Range
Market Cap
$1.75B
Enterprise Value
$399.77M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Completeness: 82%
Confidence: 86%
Updated: Jul 5
Top Beats

Quick Facts

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

Next Events

Earnings Jul 23 Estimated

Fair Value Snapshot

Bear Base Bull
$18
$33
$62
Current: $39.23 -16% 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
38
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
39
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For informational purposes only. Not investment advice.

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 (48.4%), Profitability (20.8%), and Safety (30.9%). Growth 48% Safety 31% Profitability 21%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

73th percentile vs peers
73
Key Signals
NII Growth YoY 28.3% 89p 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%, 89th percentile)
  • EPS Growth YoY in top 20% of peers (3.29, 97th percentile)
  • Cash & Securities to Assets in top 20% of peers (24.5%, 88th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks

No significant risks identified for this axis.

Profitability

31th percentile vs peers
31
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:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$33.15
- - -
-15.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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