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 $1.8B). German American Bancorp, Inc. trades at the lower P/E: 13.1× against 14.6×. German American Bancorp, Inc. grew revenue faster over the last twelve months: 21.7% against 14.8%. German American Bancorp, Inc. has the higher net margin (28.2% vs 16.0%) and the lower return on invested capital (8.62% vs 57.0%). Both pay a dividend; Dime Community Bancshares, Inc. yields more (5.25% vs 3.40%). Across the 20 metrics below, Dime Community Bancshares, Inc. leads on 11 and German American Bancorp, Inc. on 9.

Valuation

Metric DCOM GABC Banks Regional median
P/E 14.57 13.06 12.15
P/S 2.32 3.70 2.37
P/B 1.24 1.53 1.21
Price to free cash flow 8.74 10.17 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.57 3.84 2.27
Earnings yield 6.86% 7.66% 8.11%
Free cash flow yield 11.44% 9.83% 8.98%

Profitability

Metric DCOM GABC Banks Regional median
Gross margin 65.17% 76.77% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.95% 28.24% 18.66%
Free cash flow margin 26.58% 36.33% 21.18%
Return on equity 8.81% 12.46% 10.64%
Return on assets 0.82% 1.70% 1.13%
Return on invested capital 57.02% 8.62% 8.33%

Growth

Metric DCOM GABC Banks Regional median
Revenue growth (TTM) 14.81% 21.70% 6.61%
EPS growth (last fiscal year) 329.09% 8.13% —
Revenue growth, 5-year CAGR 23.40% 16.32% 12.30%
Net income growth, 5-year CAGR 22.01% 12.61% 9.71%

Health

Metric DCOM GABC Banks Regional median
Debt to equity 0.41 0.14 0.22
Current ratio 0.99 0.86 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric DCOM GABC Banks Regional median
Dividend yield 5.25% 3.40% 3.75%
Payout ratio 0.27 0.31 0.27

Size

Metric DCOM GABC Banks Regional median
Market cap 1.78b 1.85b 921.07m

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