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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. In the quarter to June 2026, revenue grew 4.11%, EPS grew 17.2%, free cash flow grew 159.4% and total debt fell 21.0%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for ten.

38.83 0.05 +0.13%
Market cap
$1.7B
P/E
14.0×
Fwd P/E
11.2×
Dividend yield
3.22%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 11.38
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell 1 1 1 1 — — 1 3 1 2 — —
Insider Ownership 1.41%

Capital & Financial Ratios $m

Market Cap 1,710.00
Revenue 750.99
Net Income 128.92
Free Cash Flow 199.63
Net Debt (1,318.41)
Current Ratio 0.99
Debt/Equity 0.41
P/E ratio 14.02
Fwd P/E 11.20
P/S ratio 2.23
P/B ratio 1.20
Past 5Y EPS Growth 2.26%
This Y EPS Growth 28.96% (at or above 15%: strong)
Next Y EPS Growth 29.16% (at or above 15%: strong)
Next Y revenue growth (29.05%) (below 0%: weak)
Next 5Y EPS Growth 21.84% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 40.47%
10-year low 10-year high
P/S against its own 10 years 38.37%
10-year low 10-year high
P/B against its own 10 years 52.08%
10-year low 10-year high

Dividends

Payout Ratio 0.45
Annual Dividend Rate 1.25
Annual Dividend Yield 3.22%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 1.00
0.25
0.25
0.25
0.25
2025 1.00
0.25
0.25
0.25
0.25
2024 1.00
0.25
0.25
0.25
0.25
2023 0.99
0.24
0.25
0.25
0.25
2022 0.96
0.24
0.24
0.24
0.24
2021 0.96
0.24
0.24
0.24
0.24
2020 1.52
0.24
0.14
0.24
0.14
0.24
0.14
0.24
0.14
2019 1.48
0.23
0.14
0.23
0.14
0.23
0.14
0.23
0.14
2018 1.48
0.23
0.14
0.23
0.14
0.23
0.14
0.23
0.14
2017 1.48
0.23
0.14
0.23
0.14
0.23
0.14
0.23
0.14
2016 1.48
0.23
0.14
0.23
0.14
0.23
0.14
0.23
0.14
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 458 1,284 2,354 1,935
Receivables — — — —
Inventory — — — —
Other — — — —
11,225 12,145 13,072 12,592
2023 2024 2025 Q'26
Payables 10,531 11,686 12,841 12,677
ST’ Debt — — — —
Other — — — —
10,531 11,736 12,841 12,677

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%

Revenue $m

Mar Jun Sep Dec Year
’26 185 187 — — —
’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 — — —
’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 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 0.75 0.75 — — —
’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 2.11
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

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 26.23 29.80 24.12 25.18 16.51 23.45 28.36 15.57 17.29 23.25

Analyst estimates 2026–2028

Powerpack
High 38.95 38.45 38.00 34.25 33.67 38.35 38.20 33.55 37.60 34.00
People
People Employees 477 480 473 496 502 802 823 851 887 902
Revenue/emp, $m 0.32 0.35 0.38 0.50 0.51 0.53 0.58 0.76 0.73 0.81
Income, $m
Income, $m Revenue 154 168 181 250 255 427 477 646 646 730
Gross margin, % 89.04 86.49 82.16 63.72 77.94 93.67 87.57 54.65 48.61 62.01
EBT 54 39 48 47 55 148 212 137 51 157
EBT margin, % 35.31 23.51 26.79 18.71 21.54 34.72 44.39 21.20 7.96 21.47
Net income 35 21 39 36 42 104 153 96 29 111
Depreciation 2 3 7 5 5 10 10 8 8 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
Earnings 2.01 1.04 1.97 1.57 2.11 2.45 3.73 2.29 0.55 2.36
Cash flow 2.56 2.42 3.00 2.96 2.78 3.76 7.66 2.38 2.54 4.34
Capex (0.25) (0.11) (0.27) (0.07) (0.04) 0.00 (0.05) (0.15) 0.33 (0.05)
Free cash flow 2.31 2.31 2.73 2.89 2.74 3.76 7.61 2.23 2.88 4.29
Book value 23.58 22.18 23.34 21.52 32.55 30.66 30.35 32.11 35.87 34.30
Shares, m 17 19 19 23 22 39 39 38 39 43
Valuation, ×
Valuation, × P/E 18.85 33.71 12.87 12.95 11.94 15.63 8.54 11.81 52.10 12.75
P/S 4.24 4.08 2.74 3.09 2.04 3.21 2.57 1.60 1.85 1.77
P/B 1.60 1.60 1.09 1.56 0.89 1.27 1.17 0.93 0.94 0.95
EV/Sales 7.24 6.97 2.88 4.68 1.55 2.74 5.01 3.24 1.23 (0.38)
EV/FCF 27.87 26.15 9.79 17.54 6.70 8.00 8.15 24.52 7.08 (1.51)
Cash, $m
Cash, $m Operating cash flow 44 47 58 68 60 146 295 91 99 187
Capex (4) (2) (5) (2) (1) 0 (2) (6) 13 (2)
Free cash flow 40 45 53 67 59 146 293 85 112 184
Balance, $m
Balance, $m Working capital (343) (207) (335) (26) (98) (886) 445 694 409 231
Total debt 575 580 319 514 294 197 1,331 1,513 880 781
Net debt 461 485 24 397 50 (197) 1,162 1,056 (403) (1,573)
Shareholders’ equity 408 429 454 497 701 1,193 1,170 1,226 1,397 1,476
Returns, %
Returns, % ROA 0.89 0.47 0.84 0.75 0.64 1.01 1.14 0.65 0.15 0.68
ROIC 3.90 3.25 6.33 3.28 5.84 12.43 5.84 3.75 3.24 0.00
ROE 9.28 4.81 8.69 7.57 6.94 11.50 13.49 8.10 1.79 7.69
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
DCOM Dime Community Bancshares, Inc. $1.7B 14.0× 11.2× +4.11% (above 0%: growing) +17.19% (above 0%: growing) +159.40% (above 0%: growing) 67.80% 0.00%
HOPE Hope Bancorp, Inc. $1.7B 13.4× 11.8× +17.99% (above 0%: growing) n/m +727.66% (above 0%: growing) 57.96% 0.00% Compare
STBA S&T Bancorp, Inc. $1.7B 12.9× 12.2× +0.36% (above 0%: growing) +22.89% (above 0%: growing) −0.50% (below 0%: shrinking) 73.64% 0.00% Compare
HAPN Happen Inc. $1.7B 8.5× 9.8× +6.49% (above 0%: growing) +51.52% (above 0%: growing) +25.25% (above 0%: growing) 74.51% 0.00% Compare
BY Byline Bancorp, Inc. $1.7B 11.2× 10.4× +1.37% (above 0%: growing) +36.36% (above 0%: growing) −32.50% (below 0%: shrinking) 73.03% 0.00% Compare
FSUN FirstSun Capital Bancorp $1.7B 19.0× 15.3× +88.18% (above 0%: growing) n/m +8,383.96% (above 0%: growing) 67.96% 0.00% Compare
NBHC National Bank Holdings Corporation $1.7B 15.9× 13.3× +22.58% (above 0%: growing) −34.83% (below 0%: shrinking) +394.28% (above 0%: growing) 71.00% 0.00% Compare
TCBK TriCo Bancshares $1.7B 12.4× 12.0× +4.33% (above 0%: growing) +27.38% (above 0%: growing) −17.30% (below 0%: shrinking) 80.35% 0.00% Compare
BFC Bank First National Corporation $1.6B 19.2× 15.0× +44.08% (above 0%: growing) +29.24% (above 0%: growing) +152.03% (above 0%: growing) 75.87% 0.00% Compare
Median of peers $1.7B 13.2× 12.1× +12.24% +28.31% +88.64% 73.34% 0.00%

All 323 Banks Regional stocks →

Dime Community Bancshares, Inc. (DCOM) key facts

  • Strength: Dime Community Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $730.4 million, up 13.0% from fiscal 2024.
  • Dime Community Bancshares, Inc. (DCOM) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
  • As of October 16, 2026, DCOM traded at $38.83, a market capitalization of $1.7 billion.
  • Dime Community Bancshares, Inc. pays an annual dividend of $1.25 per share, a yield of 3.22%, with a payout ratio of 45.1%.
  • Return on equity was 7.69% and debt-to-equity 0.41.
  • Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Dime Community Bancshares, Inc. (DCOM) Latest News

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stockrow.com/DCOM · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com