A Business at a Glance
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Dime Community Bancshares, Inc. /NY/
DCOM
$1.7B
Mkt Cap
$39.56
+0.84%
Dime Community Bancshares, Inc. /NY/ (DCOM) has a current P/E ratio of 16.8, compared to its historical median P/E of 11.9. The stock is currently considered Fair based on its historical valuation range.
Dime Community Bancshares, Inc. /NY/ (DCOM) has a 5-year average return on invested capital (ROIC) of 6.6%. This is below average and may indicate limited pricing power.
Dime Community Bancshares, Inc. /NY/ (DCOM) has a market capitalization of $1.7B. It is classified as a small-cap stock.
Yes, Dime Community Bancshares, Inc. /NY/ (DCOM) pays a dividend with a trailing twelve-month yield of 2.47%.
Based on historical P/E analysis, Dime Community Bancshares, Inc. /NY/ (DCOM) appears fair. The current P/E of 16.8 is 41% above its historical median of 11.9. The estimated fair value CAGR (P/E method) is -4.2%.
Dime Community Bancshares, Inc. /NY/ (DCOM) operates in the National Commercial Banks industry, within the Financials sector.
Item 1. Business Dime Community Bancshares, Inc. (the “Company”) is engaged in commercial banking and financial services through its wholly-owned subsidiary, Dime Community Bank (the “Bank”). The Bank was established in 1910 and is headquartered in Hauppauge, New York. The Company was incorporated under the laws of the State of New York in 1988 to serve as the holding company for the Bank. The Company functions primarily as the holder of all of the Bank’s common stock. Our bank operations also include Dime Abstract LLC (“Dime Abstract”), a wholly-owned subsidiary of the Bank, which is a broker of title insurance services. For over a century, we have maintained our focus on building customer relationships in our market area. Our mission is to grow through the provision of exceptional service to our customers, our employees, and the community. We strive to achieve excellence in financial performance and build long-term shareholder value.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 473M | 730M | 646M | 646M | 477M | 427M |
| Net Income | 114M | 102M | 21M | 88M | 145M | 97M |
| EPS | $2.60 | $2.36 | $0.55 | $2.29 | $3.73 | $2.45 |
| Free Cash Flow | 0 | 187M | 99M | 91M | 291M | 146M |
| ROIC | 6.6% | 5.9% | 1.4% | 6.3% | 10.5% | 8.8% |
| Gross Margin | - | 56.1% | 43.0% | 54.2% | 86.4% | 92.2% |
| Debt/Equity | 0.15 | 0.18 | 0.20 | 0.16 | 0.17 | 0.17 |
| Dividends/Share | $0.98 | $1.00 | $0.98 | $0.98 | $0.94 | $1.00 |
| Operating Income | 4.7M | 157M | 2.1M | 137M | 212M | 148M |
| Operating Margin | 1.0% | 21.5% | 0.3% | 21.2% | 44.4% | 34.7% |
| ROE | 7.6% | 7.1% | 1.6% | 7.3% | 12.3% | 10.2% |
| Shares Outstanding | 44M | 43M | 39M | 38M | 39M | 39M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 83M | 119M | 154M | 168M | 181M | 250M | 255M | 427M | 477M | 646M | 646M | 730M | 473M |
| Gross Margin | 88.4% | 88.1% | 85.4% | 78.1% | 81.2% | 56.8% | 67.7% | 92.2% | 86.4% | 54.2% | 43.0% | 56.1% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 26M | 34M | 42M | 47M | 50M | 52M | 61M | 108M | 120M | 117M | 136M | 151M | 155M |
| EBIT | 1.6M | 2.0M | 2.3M | 1.7M | 2.8M | 47M | 55M | 148M | 212M | 137M | 2.1M | 157M | 4.7M |
| Op. Margin | 1.9% | 1.7% | 1.5% | 1.0% | 1.6% | 18.7% | 21.5% | 34.7% | 44.4% | 21.2% | 0.3% | 21.5% | 1.0% |
| Net Income | 13M | 21M | 35M | 20M | 38M | 36M | 38M | 97M | 145M | 88M | 21M | 102M | 114M |
| Net Margin | 16.2% | 17.4% | 22.6% | 12.0% | 21.3% | 14.4% | 14.7% | 22.7% | 30.4% | 13.6% | 3.3% | 13.9% | 24.1% |
| Non-Recurring | 0 | 0 | 0 | 8.0M | -7.9M | 201K | 3.5M | 5.1M | 0 | 0 | 1.3M | 2.7M | 2.7M |
| Returns on Capital | |||||||||||||
| ROIC | 8.0% | 6.9% | 8.4% | 4.8% | 7.4% | 6.0% | 5.3% | 8.8% | 10.5% | 6.3% | 1.4% | 5.9% | 6.6% |
| ROE | 8.0% | 8.0% | 9.3% | 4.8% | 7.4% | 6.0% | 5.8% | 10.2% | 12.3% | 7.3% | 1.6% | 7.1% | 7.6% |
| ROA | 0.6% | 0.7% | 0.9% | 0.5% | 0.8% | 0.8% | 0.6% | 1.0% | 1.2% | 0.7% | 0.2% | 0.7% | 0.8% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 26M | 32M | 44M | 47M | 58M | 68M | 60M | 146M | 295M | 91M | 99M | 187M | 169M |
| Free Cash Flow | 21M | 27M | 40M | 45M | 53M | 65M | 55M | 146M | 291M | 91M | 99M | 187M | 0 |
| Owner Earnings | 22M | 26M | 39M | 40M | 51M | 62M | 49M | 134M | 283M | 80M | 85M | 171M | 154M |
| CapEx | 5.2M | 4.3M | 4.3M | 2.1M | 5.3M | 3.3M | 5.1M | 0 | 3.7M | 0 | 0 | 0 | 0 |
| Maint. CapEx | 2.6M | 3.6M | 3.5M | 3.8M | 3.8M | 4.7M | 4.1M | 6.5M | 7.4M | 6.7M | 7.0M | 7.4M | 7.4M |
| Growth CapEx | 2.6M | 725K | 790K | 0 | 1.5M | 0 | 1.0M | N/A | 0 | N/A | N/A | N/A | 0 |
| D&A | 2.6M | 3.6M | 3.5M | 3.8M | 3.8M | 4.7M | 4.1M | 6.5M | 7.4M | 6.7M | 7.0M | 7.4M | 7.4M |
| CapEx/OCF | 20.3% | 13.7% | 9.7% | 4.4% | 9.1% | 4.7% | 1.6% | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 11M | 13M | 16M | 18M | 18M | 20M | 19M | 39M | 37M | 37M | 38M | 43M | 43M |
| Dividend Yield | 2.8% | 2.5% | 2.2% | 1.9% | 1.8% | 1.8% | 2.4% | 3.7% | 3.3% | 4.8% | 4.3% | 3.6% | 2.5% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 24M | 35M | 59M | 47M | 947K | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | 0.1% | 8.1% | 5.0% | 4.3% | 0.1% | N/A | N/A | 0.0% |
| Stock-Based Comp | 1.2M | 1.7M | 2.1M | 2.6M | 3.5M | 1.8M | 7.2M | 5.4M | 4.3M | 4.6M | 6.7M | 7.7M | 7.6M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -852M | -1.0B | N/A | -854M | N/A | N/A | -1.3B | -1.8B | 31M | -257M | -1.0B | -2.1B | -1.8B |
| Cash & Equiv. | 52M | 105M | 114M | 95M | 147M | 155M | 877M | 394M | 169M | 458M | 1.3B | 2.4B | 2.1B |
| Long-Term Debt | N/A | 78M | N/A | N/A | N/A | N/A | 114M | 197M | 200M | 200M | 272M | 273M | 231M |
| Debt/Equity | 0.01 | 0.23 | 8.94 | 0.00 | 7.05 | 7.41 | 0.16 | 0.17 | 0.17 | 0.16 | 0.20 | 0.18 | 0.15 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.1 |
| Equity | 175M | 341M | 408M | 429M | 602M | 597M | 701M | 1.2B | 1.2B | 1.2B | 1.4B | 1.5B | 1.5B |
| Total Assets | 2.3B | 3.8B | 4.1B | 4.4B | 4.7B | 4.9B | 6.8B | 12.1B | 13.2B | 13.6B | 14.4B | 15.3B | 15.0B |
| Total Liabilities | 2.1B | 3.4B | 3.6B | 4.0B | 4.2B | 4.4B | 6.1B | 10.9B | 12.0B | 12.4B | 13.0B | 13.9B | 13.5B |
| Intangibles | 842K | 7.5M | 4.8M | 3.8M | 2.9M | 2.1M | 0 | 8.4M | 6.5M | 5.1M | 3.9M | 2.9M | 2.7M |
| Retained Earnings | 65M | 72M | 92M | 97M | 117M | 151M | 601M | 655M | 763M | 813M | 795M | 854M | 876M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.59 | 0.72 | 1.00 | 0.52 | 0.99 | 0.78 | 0.87 | 2.45 | 3.73 | 2.29 | 0.55 | 2.36 | 2.60 |
| Owner EPS | 0.96 | 0.91 | 1.11 | 1.04 | 1.31 | 1.33 | 1.13 | 3.41 | 7.28 | 2.08 | 2.19 | 3.99 | 3.50 |
| Book Value | 7.69 | 11.81 | 11.74 | 11.09 | 15.45 | 12.78 | 16.25 | 30.21 | 30.03 | 32.07 | 35.86 | 34.31 | 33.98 |
| Cash Flow/Share | 1.13 | 1.09 | 1.27 | 1.21 | 1.50 | 1.47 | 1.39 | 3.71 | 7.58 | 2.38 | 2.54 | 4.34 | 2.76 |
| Dividends/Share | 0.46 | 0.46 | 0.46 | 0.46 | 0.46 | 0.46 | 0.48 | 1.00 | 0.94 | 0.98 | 0.98 | 1.00 | 0.98 |
| Shares Out. | 22.8M | 28.9M | 34.8M | 38.7M | 39.0M | 46.7M | 43.1M | 39.5M | 38.9M | 38.2M | 38.9M | 43.0M | 44.1M |
| Valuation | |||||||||||||
| P/E Ratio | 15.5 | 15.2 | 13.8 | 25.2 | 9.8 | 10.3 | 11.7 | 12.2 | 7.5 | 11.0 | 53.4 | 13.1 | 15.2 |
| P/FCF | 20.2 | 23.1 | 24.1 | 22.7 | 14.2 | 19.0 | 16.0 | 8.1 | 3.7 | 10.6 | 11.5 | 7.1 | N/A |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -18.1 |
| Price/Book | 1.2 | 0.9 | 1.2 | 1.2 | 0.9 | 2.2 | 0.6 | 1.0 | 0.9 | 0.8 | 1.1 | 1.0 | 1.2 |
| Price/Sales | 2.6 | 2.5 | 2.7 | 3.4 | 3.4 | 5.8 | 2.0 | 2.7 | 2.7 | 2.2 | 3.8 | 2.9 | 3.7 |
| FCF Yield | 9.7% | 8.6% | 8.3% | 8.6% | 13.7% | 5.9% | 12.5% | 12.4% | 26.8% | 9.3% | 6.4% | 12.8% | N/A |
| Market Cap | 213M | 314M | 481M | 518M | 386M | 1.1B | 438M | 1.2B | 1.1B | 975M | 1.6B | 1.5B | 1.7B |
| Avg. Price | 16.69 | 18.68 | 21.36 | 25.26 | 25.45 | 23.44 | 18.14 | 27.24 | 28.51 | 20.36 | 22.77 | 27.98 | 39.56 |
| Year-End Price | 18.28 | 21.77 | 27.69 | 26.22 | 19.40 | 26.58 | 20.32 | 29.84 | 27.94 | 25.15 | 29.36 | 30.96 | 39.56 |
Dime Community Bancshares, Inc. /NY/ passes 5 of 9 quality checks, suggesting mixed fundamentals.
Dime Community Bancshares, Inc. /NY/ trades at 16.8x trailing earnings, compared to its 15-year median P/E of 11.9x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 9.9x vs a median of 12.9x. The company's 5-year average ROIC is 6.6% with a gross margin of 66.4%. Total shareholder yield (dividends) is 2.5%. At current prices, the estimated annualized return to fair value is +4.4%.
Dime Community Bancshares, Inc. /NY/ (DCOM) reported annual revenue of $730 million in its most recent fiscal year, based on SEC EDGAR filings.
Dime Community Bancshares, Inc. /NY/ (DCOM) has a net profit margin of 13.9%. This is a healthy margin.
Dime Community Bancshares, Inc. /NY/ (DCOM) generated $187 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Dime Community Bancshares, Inc. /NY/ (DCOM) has a debt-to-equity ratio of 0.18. This indicates a conservatively financed balance sheet.
Dime Community Bancshares, Inc. /NY/ (DCOM) reported earnings per share (EPS) of $2.36 in its most recent fiscal year.
Dime Community Bancshares, Inc. /NY/ (DCOM) has a return on equity (ROE) of 7.1%. This indicates moderate shareholder returns.
Dime Community Bancshares, Inc. /NY/ (DCOM) has a 5-year average gross margin of 66.4%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 17 years of financial data for Dime Community Bancshares, Inc. /NY/ (DCOM), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Dime Community Bancshares, Inc. /NY/ (DCOM) has a book value per share of $34.31, based on its most recent annual SEC filing.
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