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Dime Community Bancshares
(NYSE:DCOM)
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Rating:73Outperform
Price Target:
$47.00
â–²(16.37% Upside)
Action:Upgraded
Date:10/23/26
DCOM scores well primarily on improving financial performance (TTM profitability and leverage strengthening) and a constructive earnings-call outlook (ongoing NIM expansion, growth initiatives, and efficiency targets). Technicals are supportive with price above major moving averages, though momentum indicators are mixed. Valuation is reasonable (P/E ~13 and ~2.46% yield), while the main constraints are recent earnings volatility and credit/provisioning risks highlighted on the call.
Positive Factors
Expanding Net Interest Margin
Sustained NIM expansion demonstrates improving earning-asset yields and effective balance-sheet management. The remaining fixed-rate loan repricing opportunity could support net interest income over several quarters, helping make profitability gains more durable than a single-period improvement.
Negative Factors
Elevated Credit Costs
Persistently elevated provisions and higher nonperforming assets can absorb a meaningful share of operating revenue, limiting earnings conversion even while margins improve. Continued specific reserves and charge-offs also indicate that credit normalization remains an active threat to near-term profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Expanding Net Interest Margin
Sustained NIM expansion demonstrates improving earning-asset yields and effective balance-sheet management. The remaining fixed-rate loan repricing opportunity could support net interest income over several quarters, helping make profitability gains more durable than a single-period improvement.
Read all positive factors
Dime Community Bancshares (DCOM) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.87B
Dividend Yield2.34%
Average Volume (3M)398.49K
Price to Earnings (P/E)13.8
Beta (1Y)0.71
Revenue Growth13.64%
EPS Growth169.34%
CountryUS
Employees902
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.78
Shares Outstanding43,745,960
10 Day Avg. Volume444,462
30 Day Avg. Volume398,489
Financial Highlights & Ratios
PEG Ratio0.04
Price to Book (P/B)0.88
Price to Sales (P/S)1.77
P/FCF Ratio7.10
Enterprise Value/Market Cap0.13
Enterprise Value/Revenue0.33
Enterprise Value/Gross Profit0.56
Enterprise Value/Ebitda1.30
Forecast
1Y Price Target
$48.00Price Target Upside18.84% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.39
Revenue Forecast (FY)$525.30M
Dime Community Bancshares Business Overview & Revenue Model
Company Description
Dime Community Bancshares, Inc. serves as the parent company for Dime Community Bank, which delivers a comprehensive range of commercial banking and financial services. The bank accepts various forms of deposits, including time, savings, and deman...
How the Company Makes Money
Dime Community Bancshares makes money primarily through its banking subsidiary by generating net interest income and noninterest income. Net interest income is earned from the spread between (1) interest and fee income on loans and other interest-...
Dime Community Bancshares Earnings Call Summary
Earnings Call Date:Oct 20, 2026
(Q3-2026)
| % Change Since: |
Next Earnings Date:Jan 22, 2027
Earnings Call Sentiment Positive
The call was strongly positive overall. Management reported record revenue, 53% year-over-year EPS growth, 10 consecutive quarters of NIM expansion, 30% business loan growth, strong deposit generation, improved efficiency, reduced CRE concentration, and attractive economics for the Empire State Bank acquisition. The main challenges were higher NPAs and provisions, continued multifamily runoff, declining consumer deposits, potential deposit-cost increases from additional rate hikes, and transaction costs and capital usage related to the acquisition. The stated growth, profitability, and credit trends significantly outweighed the disclosed challenges.Positive Updates
Record Quarterly Revenue and Strong EPS Growth
Third-quarter revenue was $135 million, a record for Dime, while EPS increased 53% versus the prior year. Core EPS was $0.91 per share.
Negative Updates
Higher Nonperforming Assets and Credit Charges
NPAs increased during the quarter. The loan loss provision was $13.8 million, primarily covering specific reserves on C&I loans, growth in the business loan portfolio, and charge-offs on multifamily loans. Management recorded a $6 million specific reserve on one commercial real estate-related relationship and charged down one slow-paying multifamily relationship.
Read all updates
Q3-2026 Updates
Positive
Negative
Record Quarterly Revenue and Strong EPS Growth
Third-quarter revenue was $135 million, a record for Dime, while EPS increased 53% versus the prior year. Core EPS was $0.91 per share.
Read all positive updates
Company Guidance
For the remainder of 2026, Dime will use a 3.32% run rate NIM as a starting point, expects continued NIM expansion in the fourth quarter, expects the September rate hike to benefit NIM by a couple of basis points, and expects any future rate hikes will likely be neutral to NIM; it believes there is a clearer line of sight to a NIM on its existing balance sheet of over 3.60% by the end of 2023, expects core cash operating expenses excluding intangible amortization for the final quarter of the year to be around $66 million and the tax rate for the final quarter of 2026 to be 28.5%, expects business loan growth of somewhere between $200 and $250 million every quarter, around $500 million of multifamily runoff, and low to mid single digits for the next 6 to 9 months, with fourth-quarter business loan growth probably gonna be flat to where we were in this quarter; it expects an ROA in excess of 1.31% by the back half of 2027, NIM guidance over 3.60% at that point, provisions of $13 million to $15 million for the next couple of quarters, the 48% efficiency ratio to reach 45% and lower than 45% down the road, and the Empire State Bank transaction to be approximately 3.5% accretive to earnings on a run rate basis once all synergies have been realized.Dime Community Bancshares Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
72
Positive
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 750.99M | 730.38M | 646.19M | 645.57M | 477.38M | 426.69M |
| Gross Profit | 439.07M | 409.90M | 277.99M | 350.01M | 412.64M | 393.46M |
| EBITDA | 189.38M | 162.42M | 58.30M | 144.33M | 222.11M | 158.59M |
| Net Income | 128.92M | 110.68M | 29.08M | 96.09M | 152.56M | 104.00M |
Balance Sheet | ||||||
| Total Assets | 15.01B | 15.34B | 14.35B | 13.64B | 13.19B | 12.07B |
| Cash, Cash Equivalents and Short-Term Investments | 3.54B | 3.15B | 1.29B | 1.34B | 1.12B | 1.96B |
| Total Debt | 655.81M | 370.63M | 979.32M | 1.57B | 1.39B | 290.06M |
| Total Liabilities | 13.49B | 13.87B | 12.96B | 12.41B | 12.02B | 10.87B |
| Stockholders Equity | 1.52B | 1.48B | 1.40B | 1.23B | 1.17B | 1.19B |
Cash Flow | ||||||
| Free Cash Flow | 197.63M | 182.44M | 92.80M | 85.15M | 291.43M | 146.33M |
| Operating Cash Flow | 202.11M | 186.57M | 99.06M | 90.87M | 295.17M | 146.33M |
| Investing Cash Flow | -144.85M | -69.45M | 64.13M | -214.05M | -1.33B | 1.10B |
| Financing Cash Flow | 720.58M | 953.28M | 662.84M | 411.42M | 812.59M | -1.10B |
Dime Community Bancshares Technical Analysis
Positive
40.39
Price Trends
39.89
Positive
39.71
Positive
36.78
Positive
Market Momentum
0.42
Negative
71.70
Negative
94.75
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DCOM, the sentiment is Positive. The current price of 40.39 is above the 20-day moving average (MA) of 39.34, above the 50-day MA of 39.89, and above the 200-day MA of 36.78, indicating a bullish trend. The MACD of 0.42 indicates Negative momentum. The RSI at 71.70 is Negative, neither overbought nor oversold. The STOCH value of 94.75 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for DCOM.
Dime Community Bancshares Risk Analysis
Dime Community Bancshares disclosed 30 risk factors in its most recent earnings report. Dime Community Bancshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Dime Community Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
84 Outperform | $1.60B | 14.01 | 11.35% | 2.11% | -1.73% | 1.03% | |
74 Outperform | $1.74B | 11.13 | 12.02% | 1.25% | 2.04% | 22.06% | |
73 Outperform | $1.87B | 13.83 | 9.50% | 2.34% | 13.64% | 169.34% | |
73 Outperform | $1.64B | 11.27 | 9.42% | 2.29% | 24.33% | 130.03% | |
68 Neutral | $1.80B | 14.07 | 5.61% | 3.98% | 7.35% | 178.63% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $1.65B | 19.73 | 2.59% | 4.79% | 10.46% | -39.66% |
* Financial Sector Average
DCOM
Dime Community Bancshares
42.73
16.16
60.84%
HOPE
Hope Bancorp
14.07
3.87
37.91%
OCFC
Oceanfirst Financial
16.71
-1.10
-6.19%
RBCAA
Republic Bancorp
91.60
25.00
37.54%
CNOB
ConnectOne Bancorp
32.69
9.02
38.08%
BY
Byline Bancorp
38.40
11.59
43.21%
Dime Community Bancshares Corporate Events
Business Operations and StrategyDividends
Dime Community Bancshares Declares Quarterly Preferred Stock Dividend
Positive
Oct 22, 2026
On October 22, 2026, Dime Commercial Bancshares, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.34375 per share on its 5.50% fixed-rate non-cumulative perpetual preferred stock, Series A. The dividend will be p...
Business Operations and StrategyExecutive/Board ChangesM&A Transactions
Dime Community Bancshares to Acquire ES Bancshares
Positive
Oct 20, 2026
On October 19, 2026, Dime Community Bancshares agreed to acquire ES Bancshares in a stock-and-cash transaction valued at about $58 million, with ES shareholders able to elect cash or Dime stock within capped aggregate cash and share limits. The de...
Business Operations and StrategyDividends
Dime Community Bancshares Declares Quarterly Cash Dividend
Positive
Sep 24, 2026
On September 24, 2026, Dime Commercial Bancshares, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.25 per share of common stock. The dividend will be paid on October 23, 2026 to shareholders of record as of Octo...
Dividends
Dime Community Bancshares Declares Quarterly Preferred Stock Dividend
Positive
Jul 23, 2026
On July 23, 2026, Dime Commercial Bancshares, Inc. announced that its board declared a quarterly cash dividend of $0.34375 per share on its 5.50% Fixed‑Rate Non‑Cumulative Perpetual Preferred Stock, Series A, payable on August 14, 2026...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.