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Dime Community Bancshares, Inc.

DCOM Financial Banks Regional

Dime Community Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $730.4 million, up 13.0% from fiscal 2024.

Revenue
+5.20%
EPS
+52.5%
Free cash flow
+106.3%
Total debt
−70.4%

Quarter to September 2026, against a year earlier

42.51 1.22 −2.79%
Market cap
$1.9B
P/E
13.8×
Fwd P/E
12.4×
Dividend yield
2.35%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 21.86
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell 1 1 1 — — 1 3 1 3 — 7 1
Insider Ownership 2.17%

Capital & Financial Ratios $m

Size
Market Cap 1,850.00
Revenue ttm 760.75
Net income ttm 142.81
Free cash flow ttm 256.23
Net debt Q (1,953.49)
Valuation
P/E 13.80
Forward P/E 12.40
Price / sales 2.41
Forward P/S Powerpack
Price / FCF 7.16
Price / book 1.30
Financial health
Current ratio Q 0.97
Debt / equity Q 0.15
Interest coverage Q —
Growth
Revenue growth Q +5.20% (above 0%: growing)
Operating income growth Q +39.76% (above 0%: growing)
EPS, this year +30.97% (at or above 15%: strong)
EPS, next year A +29.25% (at or above 15%: strong)
Revenue, next year A −27.97% (below 0%: weak)
EPS, past 5 yrs +6.29%
EPS, next 5 yrs A +26.30% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 39.27%
10-year low 10-year high
P/S against its own 10 years 42.43%
10-year low 10-year high
P/B against its own 10 years 68.57%
10-year low 10-year high

Dividends

Yield
2.35%
Annual rate
1.00
Payout ratio
32.5%
Growth, 2018–26
−4.78%/yr
  1. 1.48 ’18
  2. 1.48 ’19 +0
  3. 1.52 ’20 +3
  4. 0.96 ’21 −37
  5. 0.96 ’22 +0
  6. 0.99 ’23 +3
  7. 1.00 ’24 +1
  8. 1.00 ’25 +0
  9. 1.00 ’26 +0
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 458 1,284 2,354 2,185
Receivables — — — —
Inventory — — — —
Other — — — —
11,225 12,145 13,072 13,055
2023 2024 2025 Q'26
Payables 10,531 11,686 12,841 13,138
ST’ Debt — — — —
Other — — — —
10,531 11,736 12,841 13,473

Compound Annual Growth %

10y 5y 3y
Sales 19.90% 23.40% 15.23%
Cash Flow 19.46% 25.50% (14.18%)
Earnings 17.26% 22.01% (10.92%)
Book Value 15.77% 16.05% 8.06%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.87 Actual 0.91

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.70 0.79 Beat by 0.09
Q1 FY26 0.77 0.74 Miss by 0.03
Q2 FY26 0.76 0.79 Beat by 0.03
Q3 FY26 0.87 0.91 Beat by 0.04
Q4 FY26 0.94 — Reports 20 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.75 0.75 0.90 — —
’25 0.45 0.64 0.59 0.68 2.36
’24 0.41 0.43 0.29 (0.54) 0.55
’23 0.92 0.66 0.34 0.37 2.29
’22 0.82 0.94 0.98 0.99 3.73
’21 (0.66) 1.19 0.89 0.83 2.45
’20 0.37 0.54 0.66 0.45 1.74
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 185 187 198 — —
’25 171 179 188 192 730
’24 171 171 172 132 646
’23 150 162 166 168 646
’22 101 113 124 139 477
’21 79 130 110 107 427
’20 63 67 64 62 255
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 48 56 108 — —
’25 65 23 52 46 187
’24 31 13 (33) 89 99
’23 13 31 86 (40) 91
’22 80 68 100 48 295
’21 (9) 67 102 (13) 146
’20 20 3 24 12 60
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 47 54 110 — —
’25 65 21 53 45 184
’24 33 23 (34) 90 112
’23 13 30 85 (42) 85
’22 78 68 99 49 293
’21 (7) 64 101 (12) 146
’20 19 3 24 12 59
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.4
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 154 168 181 250 255 427 477 646 646 730 761 +18.9% 526 601 653 (3.7%)
Gross margin, % 89.04 86.49 82.16 63.72 77.94 93.67 87.57 54.65 48.61 62.01 66.93 (27.0) pt
EBT 54 39 48 47 55 148 212 137 51 157 200 +12.5%
EBT margin, % 35.31 23.51 26.79 18.71 21.54 34.72 44.39 21.20 7.96 21.47 26.32 (13.8) pt
Net income 35 21 39 36 42 104 153 96 29 111 143 +13.5%
Per share, $
Per share, $ Revenue 8.89 8.68 9.29 10.84 11.85 10.97 12.39 16.91 16.60 16.98 17.64 +7.5%
Earnings 2.01 1.04 1.97 1.57 1.74 2.45 3.73 2.29 0.55 2.36 3.08 +1.8%
Cash flow 2.56 2.42 3.00 2.96 2.78 3.76 7.66 2.38 2.54 4.34 5.98 +6.0%
Capex (0.25) (0.11) (0.27) (0.07) (0.04) 0.00 (0.05) (0.15) 0.33 (0.05) (0.04) (16.4%)
Free cash flow 2.31 2.31 2.73 2.89 2.74 3.76 7.61 2.23 2.88 4.29 5.94 +7.1%
Book value 23.58 22.18 23.34 21.52 32.55 30.66 30.35 32.11 35.87 34.30 35.30 +4.3%
Shares, m 17 19 19 23 22 39 39 38 39 43 43 +10.6%
Valuation, ×
Valuation, × P/E 18.85 33.71 12.87 12.95 11.94 15.63 8.54 11.81 52.10 12.75 13.80 19.1
P/S 4.24 4.08 2.74 3.09 2.04 3.21 2.57 1.60 1.85 1.77 2.41 2.7
P/B 1.60 1.60 1.09 1.56 0.89 1.27 1.17 0.93 0.94 0.95 1.30 1.2
EV/Sales 7.24 6.97 2.88 4.68 1.55 2.74 5.01 3.24 1.23 (0.38) — 3.5
EV/FCF 27.87 26.15 9.79 17.54 6.70 8.00 8.15 24.52 7.08 (1.51) — 13.4
Cash, $m
Cash, $m Operating cash flow 44 47 58 68 60 146 295 91 99 187 258 +17.3%
Capex (4) (2) (5) (2) (1) 0 (2) (6) 13 (2) (2) (7.5%)
Free cash flow 40 45 53 67 59 146 293 85 112 184 256 +18.5%
Balance, $m
Balance, $m Working capital (343) (207) (335) (26) (98) (886) 445 694 409 231 (419) n/m
Net debt 461 485 24 397 50 (197) 1,162 1,056 (403) (1,573) (1,953) n/m
Shareholders’ equity 408 429 454 497 701 1,193 1,170 1,226 1,397 1,476 1,523 +15.4%
Returns, %
Returns, % ROA 0.89 0.47 0.84 0.75 0.64 1.01 1.14 0.65 0.15 0.68 0.88 (0.2) pt
ROIC 3.90 3.25 6.33 3.28 5.84 12.43 5.84 3.75 3.24 0.00 0.00 (3.9) pt
ROE 9.28 4.81 8.69 7.57 6.94 11.50 13.49 8.10 1.79 7.69 9.69 (1.6) pt
People
People Employees 477 480 473 496 502 802 823 851 887 902 — +7.3%
Revenue/emp, $m 0.32 0.35 0.38 0.50 0.51 0.53 0.58 0.76 0.73 0.81 — +10.8%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 3 Nov 2026

Dime Community Bancshares, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BLX Bladex Inc. $2.3B 8.1× 7.6× +12.12% (above 0%: growing) +13.49% (above 0%: growing) −117.11% (below 0%: shrinking) 42.29% 0.00% Compare
CHCO City Holding Company $2.0B 15.5× 15.2× +1.16% (above 0%: growing) +1.24% (above 0%: growing) −0.06% (below 0%: shrinking) 80.74% 0.00% Compare
TBBK The Bancorp, Inc. $2.0B 8.4× 7.8× −18.88% (below 0%: shrinking) +28.59% (above 0%: growing) −31.16% (below 0%: shrinking) 100.00% 0.00% Compare
GABC German American Bancorp, Inc. $1.9B 13.3× 12.4× +3.05% (above 0%: growing) +21.43% (above 0%: growing) +110.42% (above 0%: growing) 78.75% 0.00% Compare
HAPN Happen Inc. $1.9B 8.9× 8.2× +2.52% (above 0%: growing) +31.59% (above 0%: growing) +10.37% (above 0%: growing) 73.43% 0.00% Compare
DCOM Dime Community Bancshares, Inc. $1.9B 13.8× 12.4× +5.20% (above 0%: growing) +52.54% (above 0%: growing) +106.33% (above 0%: growing) 68.53% 0.00%
OCFC OceanFirst Financial Corp. $1.8B 21.6× 16.6× +32.21% (above 0%: growing) n/m +27.08% (above 0%: growing) 59.64% 0.00% Compare
FSUN FirstSun Capital Bancorp $1.8B 19.8× 19.8× +88.18% (above 0%: growing) n/m +8,383.96% (above 0%: growing) 67.96% 0.00% Compare
STBA S&T Bancorp, Inc. $1.8B 12.8× 12.3× +0.71% (above 0%: growing) +19.78% (above 0%: growing) −0.50% (below 0%: shrinking) 73.62% 0.00% Compare
Median of peers $1.9B 13.1× 12.4× +2.79% +20.61% +5.16% 73.53% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 13 April 2026

Ownership

Directors and executive officers, together 7.40%
50 Hudson Yards 13.87%
280 Congress Street 9.72%
100 Vanguard Blvd. 6.66%
6300 Bee Cave Road, Building One 5.31%
101 E. Pratt Street 5.14%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Dime Community Bancshares, Inc. (DCOM) Latest News

29 Oct

Impact 3 · · GlobeNewswire

28 Oct

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22 Oct

Impact 3 · · Simply Wall St.

21 Oct

Impact 4 · · StockStory
Impact 4 · · Simply Wall St.

20 Oct

Impact 4 · · The Motley Fool
Impact 4 · · The Motley Fool
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Impact 4 · · GlobeNewswire
Impact 4 · · GlobeNewswire earnings
Impact 3 · · StockStory
Impact 3 · · StockStory
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Impact 3 · · Associated Press

19 Oct

Impact 3 · · StockStory

15 Oct

Impact 3 · · Zacks

22 Sep

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1 Aug

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27 Jul

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25 Jul

Impact 3 ·

24 Jul

Impact 3 · · Moby

23 Jul

Impact 4 · transcript
Impact 3 · · MarketBeat transcript
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22 Jul

Impact 3 ·
stockrow.com/DCOM · Data as of Nov 3, 2026 · For information only; not investment advice. · © 2026 stockrow.com