DIME COMMUNITY BANCSHARES IN (DCOM) Stock Fundamental Analysis
USA - NASDAQ:DCOM - US25432X1028 - Common Stock
30.68 USD
+0.26 (+0.85%)
30.68 USD
0 (0%)
DCOM gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. DCOM may be in some trouble as it scores bad on both profitability and health. DCOM is not priced too expensively while it is growing strongly. Keep and eye on this one! DCOM also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year DCOM was profitable.
DCOM had a positive operating cash flow in the past year.
DCOM had positive earnings in each of the past 5 years.
In the past 5 years DCOM always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of DCOM (0.25%) is worse than 84.95% of its industry peers.
DCOM has a worse Return On Equity (2.52%) than 84.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.25% | ||
| ROE | 2.52% | ||
| ROIC | N/A |
ROA(3y)0.63%
ROA(5y)0.66%
ROE(3y)6.98%
ROE(5y)7.38%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
DCOM's Profit Margin of 10.08% is on the low side compared to the rest of the industry. DCOM is outperformed by 83.42% of its industry peers.
DCOM's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for DCOM so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 10.08% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-34.16%
PM growth 5Y-25.74%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
DCOM does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for DCOM has been increased compared to 1 year ago.
The number of shares outstanding for DCOM has been increased compared to 5 years ago.
Compared to 1 year ago, DCOM has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of DCOM is 1.96, which is an excellent value as it means it would take DCOM, only 1.96 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of DCOM (1.96) is comparable to the rest of the industry.
DCOM has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of DCOM (0.19) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.96 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.95%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
DCOM shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.32%, which is quite impressive.
Measured over the past years, DCOM shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -10.35% on average per year.
DCOM shows a small growth in Revenue. In the last year, the Revenue has grown by 6.42%.
DCOM shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.39% yearly.
EPS 1Y (TTM)26.32%
EPS 3Y-8.69%
EPS 5Y-10.35%
EPS Q2Q%72.97%
Revenue 1Y (TTM)6.42%
Revenue growth 3Y-7.72%
Revenue growth 5Y13.39%
Sales Q2Q%33.24%
3.2 Future
DCOM is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 57.96% yearly.
Based on estimates for the next years, DCOM will show a very strong growth in Revenue. The Revenue will grow by 23.51% on average per year.
EPS Next Y80.62%
EPS Next 2Y57.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year31.18%
Revenue Next 2Y23.51%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 15.98, DCOM is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of DCOM indicates a slightly more expensive valuation: DCOM is more expensive than 70.15% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of DCOM to the average of the S&P500 Index (27.20), we can say DCOM is valued slightly cheaper.
DCOM is valuated reasonably with a Price/Forward Earnings ratio of 8.20.
82.91% of the companies in the same industry are more expensive than DCOM, based on the Price/Forward Earnings ratio.
DCOM's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.70.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.98 | ||
| Fwd PE | 8.2 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, DCOM is valued a bit cheaper than 71.94% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.71 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
DCOM's earnings are expected to grow with 57.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.2
PEG (5Y)N/A
EPS Next 2Y57.96%
EPS Next 3YN/A
5. Dividend
5.1 Amount
DCOM has a Yearly Dividend Yield of 6.77%, which is a nice return.
DCOM's Dividend Yield is rather good when compared to the industry average which is at 3.73. DCOM pays more dividend than 92.35% of the companies in the same industry.
DCOM's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.77% |
5.2 History
The dividend of DCOM has a limited annual growth rate of 3.41%.
DCOM has paid a dividend for at least 10 years, which is a reliable track record.
DCOM has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)3.41%
Div Incr Years2
Div Non Decr Years3
5.3 Sustainability
DCOM pays out 132.29% of its income as dividend. This is not a sustainable payout ratio.
The dividend of DCOM is growing, but earnings are growing more, so the dividend growth is sustainable.
DP132.29%
EPS Next 2Y57.96%
EPS Next 3YN/A
30.68
+0.26 (+0.85%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners83.87%
Inst Owner Change0.9%
Ins Owners3.34%
Ins Owner Change0.56%
Market Cap1.35B
Analysts85.45
Price Target36.72 (19.69%)
Short Float %4.62%
Short Ratio8.7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.77% |
Yearly Dividend1.1
Dividend Growth(5Y)3.41%
DP132.29%
Div Incr Years2
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.34%
Min EPS beat(2)-2.88%
Max EPS beat(2)0.2%
EPS beat(4)1
Avg EPS beat(4)-10.34%
Min EPS beat(4)-30.99%
Max EPS beat(4)0.2%
EPS beat(8)2
Avg EPS beat(8)-11.4%
EPS beat(12)5
Avg EPS beat(12)-5.65%
EPS beat(16)7
Avg EPS beat(16)-3.44%
Revenue beat(2)1
Avg Revenue beat(2)-2.27%
Min Revenue beat(2)-6.15%
Max Revenue beat(2)1.61%
Revenue beat(4)2
Avg Revenue beat(4)-12.57%
Min Revenue beat(4)-45.99%
Max Revenue beat(4)1.61%
Revenue beat(8)3
Avg Revenue beat(8)-7.2%
Revenue beat(12)5
Avg Revenue beat(12)-4.81%
Revenue beat(16)9
Avg Revenue beat(16)-1.51%
PT rev (1m)0%
PT rev (3m)0.84%
EPS NQ rev (1m)0.29%
EPS NQ rev (3m)3.32%
EPS NY rev (1m)2.02%
EPS NY rev (3m)1.65%
Revenue NQ rev (1m)-4.12%
Revenue NQ rev (3m)2.69%
Revenue NY rev (1m)-4.17%
Revenue NY rev (3m)2.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.98 | ||
| Fwd PE | 8.2 | ||
| P/S | 3.76 | ||
| P/FCF | 9.71 | ||
| P/OCF | 9.34 | ||
| P/B | 0.94 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.92
EY6.26%
EPS(NY)3.74
Fwd EY12.2%
FCF(TTM)3.16
FCFY10.3%
OCF(TTM)3.29
OCFY10.71%
SpS8.16
BVpS32.6
TBVpS28.98
PEG (NY)0.2
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.25% | ||
| ROE | 2.52% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 10.08% | ||
| GM | N/A | ||
| FCFM | 38.7% |
ROA(3y)0.63%
ROA(5y)0.66%
ROE(3y)6.98%
ROE(5y)7.38%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-34.16%
PM growth 5Y-25.74%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.96 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 520.32% | ||
| Cap/Sales | 1.54% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 383.88% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC15.95%
ROIC/WACCN/A
Cap/Depr(3y)379.66%
Cap/Depr(5y)N/A
Cap/Sales(3y)1.5%
Cap/Sales(5y)N/A
Profit Quality(3y)244.47%
Profit Quality(5y)197.86%
High Growth Momentum
Growth
EPS 1Y (TTM)26.32%
EPS 3Y-8.69%
EPS 5Y-10.35%
EPS Q2Q%72.97%
EPS Next Y80.62%
EPS Next 2Y57.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.42%
Revenue growth 3Y-7.72%
Revenue growth 5Y13.39%
Sales Q2Q%33.24%
Revenue Next Year31.18%
Revenue Next 2Y23.51%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-26.22%
FCF growth 3Y-14.08%
FCF growth 5Y6.84%
OCF growth 1Y-25.05%
OCF growth 3Y-12.2%
OCF growth 5Y7.2%