Dime Community Bancshares (DCOM) AI Stock Analysis

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.