Dime Community Bancshares, Inc. (DCOM) vs German American Bancorp, Inc. (GABC)

Dime Community Bancshares, Inc. and German American Bancorp, Inc. are both Banks Regional companies. Dime Community Bancshares, Inc. and German American Bancorp, Inc. are of similar size ($1.9B and $1.9B). German American Bancorp, Inc. trades at the lower P/E: 13.3× against 13.8×. German American Bancorp, Inc. grew revenue faster over the last twelve months: 21.7% against 13.5%. German American Bancorp, Inc. has the higher net margin (28.2% vs 17.5%) and the higher return on invested capital (8.62% vs 0.00%). Both pay a dividend; German American Bancorp, Inc. yields more (2.42% vs 2.35%). Across the 19 metrics below, German American Bancorp, Inc. leads on 11 and Dime Community Bancshares, Inc. on 8.

Valuation

Metric DCOM GABC Banks Regional median
P/E 13.80 13.32 12.02
P/S 2.41 3.77 2.36
P/B 1.30 1.57 1.23
Price to free cash flow 7.16 10.38 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.25% 7.50% 8.21%
Free cash flow yield 13.97% 9.63% 9.23%

Profitability

Metric DCOM GABC Banks Regional median
Gross margin 66.93% 76.77% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.47% 28.24% 18.82%
Free cash flow margin 33.68% 36.33% 17.97%
Return on equity 9.69% 12.46% 10.28%
Return on assets 0.88% 1.70% 1.13%
Return on invested capital 0.00% 8.62% 8.45%

Growth

Metric DCOM GABC Banks Regional median
Revenue growth (TTM) 13.54% 21.70% 6.37%
EPS growth (last fiscal year) 329.09% 8.13% 18.85%
Revenue growth, 5-year CAGR 23.40% 16.32% 12.65%
Net income growth, 5-year CAGR 22.01% 12.61% 9.81%

Health

Metric DCOM GABC Banks Regional median
Debt to equity 0.15 0.14 0.17
Current ratio 0.97 0.86 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric DCOM GABC Banks Regional median
Dividend yield 2.35% 2.42% 2.49%
Payout ratio 0.32 0.32 0.29

Size

Metric DCOM GABC Banks Regional median
Market cap 1.85b 1.90b 934.85m

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