Dime Community Bancshares, Inc. (DCOM) vs Happen Inc. (HAPN)

Dime Community Bancshares, Inc. and Happen Inc. are both Banks Regional companies. Dime Community Bancshares, Inc. and Happen Inc. are of similar size ($1.9B and $1.9B). Happen Inc. trades at the lower P/E: 8.9× against 13.8×. Dime Community Bancshares, Inc. grew revenue faster over the last twelve months: 13.5% against 8.20%. Dime Community Bancshares, Inc. has the higher net margin (17.5% vs 15.0%) and the lower return on invested capital (0.00% vs 21.1%). Across the 17 metrics below, Happen Inc. leads on 9 and Dime Community Bancshares, Inc. on 8.

Valuation

Metric DCOM HAPN Banks Regional median
P/E 13.80 8.87 12.02
P/S 2.41 1.33 2.36
P/B 1.30 1.17 1.23
Price to free cash flow 7.16 n/m 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.25% 11.27% 8.21%
Free cash flow yield 13.97% (153.82%) 9.23%

Profitability

Metric DCOM HAPN Banks Regional median
Gross margin 66.93% 74.50% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.47% 15.02% 18.82%
Free cash flow margin 33.68% (204.98%) 17.97%
Return on equity 9.69% 13.78% 10.28%
Return on assets 0.88% 1.73% 1.13%
Return on invested capital 0.00% 21.08% 8.45%

Growth

Metric DCOM HAPN Banks Regional median
Revenue growth (TTM) 13.54% 8.20% 6.37%
EPS growth (last fiscal year) 329.09% 157.78% 18.85%
Revenue growth, 5-year CAGR 23.40% 23.29% 12.65%
Net income growth, 5-year CAGR 22.01% 0.00% 9.81%

Health

Metric DCOM HAPN Banks Regional median
Debt to equity 0.15 0.00 0.17
Current ratio 0.97 0.75 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric DCOM HAPN Banks Regional median
Dividend yield 2.35% — 2.49%
Payout ratio 0.32 — 0.29

Size

Metric DCOM HAPN Banks Regional median
Market cap 1.85b 1.86b 934.85m

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