Dime Community Bancshares (DCOM)
NYSE:DCOM
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Dime Community Bancshares
(NYSE:DCOM)
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Rating:73Outperform
Price Target:
$42.00
â–²(13.27% Upside)
Action:Reiterated
Date:06/02/26
The score is driven by improving fundamentals and a positive earnings outlook (guided NIM expansion with strong recent EPS/core revenue momentum), reinforced by constructive price trends. This is tempered by variability in historical performance and a notable balance-sheet data consistency flag (TTM debt), while valuation appears reasonable with a moderate dividend yield.
Positive Factors
Net interest margin expansion opportunity
A sizable back-book repricing pipeline (adjustable/fixed loans maturing/repricing in 2026–27) plus eight consecutive quarters of NIM improvement provide a structural path to margin expansion. This supports durable net interest income growth as loans reprice and deposit costs remain controlled into 2027.
Negative Factors
Balance-sheet data inconsistency
The flagged inconsistency in TTM total-debt reporting undermines clarity on leverage and funding structure. Persistent data or reporting irregularities impede accurate assessment of solvency, leverage trends and capital strategy, increasing governance and forecasting risk for investors and counterparties.
Read all positive and negative factors
Positive Factors
Negative Factors
Net interest margin expansion opportunity
A sizable back-book repricing pipeline (adjustable/fixed loans maturing/repricing in 2026–27) plus eight consecutive quarters of NIM improvement provide a structural path to margin expansion. This supports durable net interest income growth as loans reprice and deposit costs remain controlled into 2027.
Read all positive factors
Dime Community Bancshares (DCOM) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.66B
Dividend Yield3.14%
Average Volume (3M)193.30K
Price to Earnings (P/E)13.1
Beta (1Y)0.84
Revenue Growth15.01%
EPS Growth316.06%
CountryUS
Employees887
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.67
Shares Outstanding44,113,490
10 Day Avg. Volume176,675
30 Day Avg. Volume193,303
Financial Highlights & Ratios
PEG Ratio-0.54
Price to Book (P/B)0.86
Price to Sales (P/S)1.85
P/FCF Ratio12.90
Enterprise Value/Market Cap0.18
Enterprise Value/Revenue0.40
Enterprise Value/Gross Profit0.70
Enterprise Value/Ebitda1.67
Forecast
1Y Price Target
$41.00Price Target Upside10.57% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)3.36
Revenue Forecast (FY)$511.46M
Dime Community Bancshares Business Overview & Revenue Model
Company Description
Dime Community Bancshares, Inc. operates as the holding company for Dime Community Bank that provides various commercial banking and financial services. It accepts time, savings, and demand deposits from the businesses, consumers, and local munici...
How the Company Makes Money
Dime Community Bancshares primarily makes money through its banking subsidiary by earning interest income on loans and investment securities and by collecting fees for banking services. The core revenue driver is net interest income: the bank orig...
Dime Community Bancshares Earnings Call Summary
Earnings Call Date:Apr 23, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 24, 2026
Earnings Call Sentiment Positive
The call conveyed a predominantly positive trajectory: strong organic revenue and EPS growth, improving NIM momentum, meaningful loan and deposit growth, healthy capital ratios, and a sizable back-book repricing opportunity expected to materially improve margins into 2027. Offsetting items include a guided increase in operating expenses due to strategic hires, a modest loan-sale loss in Q2, intentional portfolio run-offs (multifamily/transactional CRE) that temper near-term loan growth, and small increases in nonaccruals and provisioning. Management expects the hires and new vertical to be accretive over time, with loan growth and NIM expansion accelerating in the back half of 2026 and into 2027.Positive Updates
Strong EPS Growth
Earnings per share of $0.75 in Q1, up 67% year-over-year and 10% linked quarter growth.
Negative Updates
Higher Near-Term Operating Expense Outlook
Core cash operating expense guidance increased to approximately $260 million for 2026 (excluding intangible amortization) from prior guidance of $255–$257 million, driven by recent hires and new vertical buildouts; hires expected to be accretive starting in 2027.
Read all updates
Q1-2026 Updates
Positive
Negative
Strong EPS Growth
Earnings per share of $0.75 in Q1, up 67% year-over-year and 10% linked quarter growth.
Read all positive updates
Company Guidance
Management guided to continued NIM expansion and profitable loan and deposit growth, reporting Q1 EPS of $0.75 (+67% YoY, +10% linked-quarter) on record total core revenues of $124M and core pre‑tax pre‑provision net revenue of $60.5M (162 bps of average assets); reported NIM was 3.21% (run‑rate ~3.14% excluding day‑count/purchase accounting, +10 bps q/q) with deposit costs down to ~1.70% and core deposit growth of $1B Y/Y. Balance sheet and capital metrics: average earning assets ~$14.2B (March ~$14.0B), allowance-to-loans 95 bps, loan loss provision ~$12M, tangible equity >9%, CET1 11.87% and total capital >16%. Loan trends and opportunities: business loans up ~$575M Y/Y (21%), loan pipeline >$1.5B (Wtd. avg. rate 6.25%–6.5%), $1.3B of adjustable/fixed loans repricing/maturing in remainder of 2026 (W.A. rate 4.10%) and $1.7B in 2027 (4.30%), which management estimates could drive ~40–45 bps of NIM expansion by end‑2027 (to >3.50% from a 3.14% base) assuming a 225–250 bp spread to Treasuries; they expect modest Q2 NIM improvement and acceleration in H2 and 2027. Other guidance: Q1 core cash operating expenses (ex intangibles) $63M and full‑year guidance raised to ~ $260M (ex intangibles), CRE ratio targeted to ~350% by Q2–Q3 with multifamily ~25% of loans, sale of $38M loans realized $36M (~$2M gain/loss impact expected in Q2), and an effective tax rate of 28.5% for the remainder of 2026.Dime Community Bancshares Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
64
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 743.62M | 646.19M | 645.57M | 477.38M | 426.69M | 255.28M |
| Gross Profit | 426.96M | 277.99M | 350.01M | 412.64M | 393.46M | 172.81M |
| EBITDA | 179.59M | 58.30M | 144.33M | 222.11M | 158.59M | 60.05M |
| Net Income | 123.81M | 29.08M | 96.09M | 152.56M | 104.00M | 42.32M |
Balance Sheet | ||||||
| Total Assets | 15.00B | 14.35B | 13.64B | 13.19B | 12.07B | 6.78B |
| Cash, Cash Equivalents and Short-Term Investments | 2.70B | 1.29B | 1.34B | 1.12B | 1.96B | 782.46M |
| Total Debt | 708.49M | 979.32M | 1.57B | 1.39B | 290.06M | 1.48B |
| Total Liabilities | 13.50B | 12.96B | 12.41B | 12.02B | 10.87B | 6.08B |
| Stockholders Equity | 1.50B | 1.40B | 1.23B | 1.17B | 1.19B | 701.10M |
Cash Flow | ||||||
| Free Cash Flow | 164.22M | 92.80M | 85.15M | 291.43M | 146.33M | 58.98M |
| Operating Cash Flow | 169.12M | 99.06M | 90.87M | 295.17M | 146.33M | 59.93M |
| Investing Cash Flow | 41.64M | 64.13M | -214.05M | -1.33B | 1.10B | -324.38M |
| Financing Cash Flow | 818.16M | 662.84M | 411.42M | 812.59M | -1.10B | 352.57M |
Dime Community Bancshares Technical Analysis
Positive
37.08
Price Trends
36.03
Positive
34.51
Positive
31.68
Positive
Market Momentum
0.41
Negative
58.87
Neutral
58.25
Neutral
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 37.08 is above the 20-day moving average (MA) of 36.85, above the 50-day MA of 36.03, and above the 200-day MA of 31.68, indicating a bullish trend. The MACD of 0.41 indicates Negative momentum. The RSI at 58.87 is Neutral, neither overbought nor oversold. The STOCH value of 58.25 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | $1.54B | 15.77 | 6.32% | 2.68% | 39.87% | -5.34% | |
77 Outperform | $1.47B | 13.21 | 11.56% | 2.57% | -2.48% | 7.25% | |
75 Outperform | $1.29B | 8.73 | 17.48% | 2.99% | -0.42% | 14.20% | |
74 Outperform | $1.53B | 11.56 | 12.33% | 0.28% | 3.37% | 19.68% | |
73 Outperform | $1.66B | 13.14 | 8.46% | 3.14% | 15.01% | 316.06% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $2.40B | 30.32 | 3.68% | 3.21% | 51.60% | -48.48% |
* Financial Sector Average
DCOM
Dime Community Bancshares
37.78
11.70
44.87%
BBT
Beacon Financial Corporation
28.83
4.80
19.99%
PFBC
Preferred Bank
97.23
15.91
19.57%
QCRH
QCR Holdings
93.54
26.88
40.33%
RBCAA
Republic Bancorp
84.50
15.90
23.18%
CNOB
ConnectOne Bancorp
30.66
8.28
36.98%
Dime Community Bancshares Corporate Events
Business Operations and StrategyExecutive/Board ChangesRegulatory Filings and ComplianceShareholder Meetings
Dime Commercial Bancshares Renames Company and Updates Governance
Positive
Jun 1, 2026
On May 28, 2026, Dime Commercial Bancshares amended and restated employment agreements with its top executives, converting prior perquisite allowances into higher base salaries and enhancing severance terms for Chief Executive Officer Stuart H. Lu...
Business Operations and StrategyFinancial DisclosuresShareholder Meetings
Dime Community Bancshares Shares Updated Strategy at Annual Meeting
Neutral
May 27, 2026
On May 27, 2026, Dime Community Bancshares, Inc. made a financial presentation available to investors in connection with its Annual Meeting of Shareholders, offering an updated look at the company’s financial position and strategy. The mater...
Dividends
Dime Community Bancshares Declares Quarterly Preferred Stock Dividend
Positive
Apr 23, 2026
On April 23, 2026, Dime Community Bancshares 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. The dividend will be paid on May 15, 2026, t...
Dividends
Dime Community Bancshares Maintains Quarterly Dividend, Signals Stability
Positive
Mar 25, 2026
On March 25, 2026, Dime announced that its Board of Directors declared a quarterly cash dividend of $0.25 per share of common stock, payable on April 24, 2026 to shareholders of record as of April 17, 2026. The decision continues the company’...
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.