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DIME COMMUNITY BANCSHARES IN (DCOM) Stock Fundamental Analysis

NASDAQ:DCOM - Nasdaq - US25432X1028 - Common Stock - Currency: USD

26.95  +1.13 (+4.38%)

After market: 26.95 0 (0%)

Fundamental Rating

4

Taking everything into account, DCOM scores 4 out of 10 in our fundamental rating. DCOM was compared to 396 industry peers in the Banks industry. Both the profitability and financial health of DCOM have multiple concerns. DCOM is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

DCOM had positive earnings in the past year.
In the past year DCOM had a positive cash flow from operations.
DCOM had positive earnings in each of the past 5 years.
DCOM had a positive operating cash flow in each of the past 5 years.
DCOM Yearly Net Income VS EBIT VS OCF VS FCFDCOM Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

1.2 Ratios

With a Return On Assets value of 0.18%, DCOM is not doing good in the industry: 86.87% of the companies in the same industry are doing better.
DCOM has a Return On Equity of 1.78%. This is amonst the worse of the industry: DCOM underperforms 87.37% of its industry peers.
Industry RankSector Rank
ROA 0.18%
ROE 1.78%
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
DCOM Yearly ROA, ROE, ROICDCOM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With a Profit Margin value of 7.48%, DCOM is not doing good in the industry: 86.11% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of DCOM has declined.
The Operating Margin and Gross Margin are not available for DCOM so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 7.48%
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
DCOM Yearly Profit, Operating, Gross MarginsDCOM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

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.
DCOM Yearly Shares OutstandingDCOM Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
DCOM Yearly Total Debt VS Total AssetsDCOM Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B

2.2 Solvency

DCOM has a debt to FCF ratio of 2.12. This is a good value and a sign of high solvency as DCOM would need 2.12 years to pay back of all of its debts.
The Debt to FCF ratio of DCOM (2.12) 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.
With a Debt to Equity ratio value of 0.19, DCOM perfoms like the industry average, outperforming 42.42% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 2.12
Altman-Z N/A
ROIC/WACCN/A
WACC16.6%
DCOM Yearly LT Debt VS Equity VS FCFDCOM Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
DCOM Yearly Current Assets VS Current LiabilitesDCOM Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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6

3. Growth

3.1 Past

The earnings per share for DCOM have decreased by -9.84% in the last year.
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 decrease in Revenue. In the last year, the revenue decreased by -1.20%.
The Revenue has been growing by 13.39% on average over the past years. This is quite good.
EPS 1Y (TTM)-9.84%
EPS 3Y-8.69%
EPS 5Y-10.35%
EPS Q2Q%35.71%
Revenue 1Y (TTM)-1.2%
Revenue growth 3Y-7.72%
Revenue growth 5Y13.39%
Sales Q2Q%31.71%

3.2 Future

DCOM is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 59.50% yearly.
DCOM is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 22.17% yearly.
EPS Next Y77.68%
EPS Next 2Y59.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year28%
Revenue Next 2Y22.17%
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.
DCOM Yearly Revenue VS EstimatesDCOM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M
DCOM Yearly EPS VS EstimatesDCOM Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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6

4. Valuation

4.1 Price/Earnings Ratio

DCOM is valuated correctly with a Price/Earnings ratio of 16.33.
DCOM's Price/Earnings ratio is a bit more expensive when compared to the industry. DCOM is more expensive than 73.23% of the companies in the same industry.
When comparing the Price/Earnings ratio of DCOM to the average of the S&P500 Index (26.55), we can say DCOM is valued slightly cheaper.
The Price/Forward Earnings ratio is 7.06, which indicates a rather cheap valuation of DCOM.
Based on the Price/Forward Earnings ratio, DCOM is valued cheaply inside the industry as 88.13% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.30, DCOM is valued rather cheaply.
Industry RankSector Rank
PE 16.33
Fwd PE 7.06
DCOM Price Earnings VS Forward Price EarningsDCOM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, DCOM is valued a bit cheaper than 64.39% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.21
EV/EBITDA N/A
DCOM Per share dataDCOM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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.
A more expensive valuation may be justified as DCOM's earnings are expected to grow with 59.50% in the coming years.
PEG (NY)0.21
PEG (5Y)N/A
EPS Next 2Y59.5%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.87%, DCOM has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.51, DCOM pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.39, DCOM pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.87%

5.2 History

The dividend of DCOM has a limited annual growth rate of 3.41%.
DCOM has been paying a dividend for at least 10 years, so it has 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
DCOM Yearly Dividends per shareDCOM Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

185.22% of the earnings are spent on dividend by DCOM. This is not a sustainable payout ratio.
The dividend of DCOM is growing, but earnings are growing more, so the dividend growth is sustainable.
DP185.22%
EPS Next 2Y59.5%
EPS Next 3YN/A
DCOM Yearly Income VS Free CF VS DividendDCOM Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M
DCOM Dividend Payout.DCOM Dividend Payout, showing the Payout Ratio.DCOM Dividend Payout.PayoutRetained Earnings

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DIME COMMUNITY BANCSHARES IN

NASDAQ:DCOM (6/6/2025, 8:00:01 PM)

After market: 26.95 0 (0%)

26.95

+1.13 (+4.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22 2025-04-22/bmo
Earnings (Next)07-21 2025-07-21/bmo
Inst Owners86.93%
Inst Owner Change-1.1%
Ins Owners3.3%
Ins Owner Change-0.25%
Market Cap1.18B
Analysts85.45
Price Target36.41 (35.1%)
Short Float %5%
Short Ratio7.19
Dividend
Industry RankSector Rank
Dividend Yield 3.87%
Yearly Dividend1.1
Dividend Growth(5Y)3.41%
DP185.22%
Div Incr Years2
Div Non Decr Years3
Ex-Date04-17 2025-04-17 (0.25)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-5.28%
Min EPS beat(2)-7.68%
Max EPS beat(2)-2.88%
EPS beat(4)0
Avg EPS beat(4)-11.47%
Min EPS beat(4)-30.99%
Max EPS beat(4)-2.88%
EPS beat(8)2
Avg EPS beat(8)-10.03%
EPS beat(12)5
Avg EPS beat(12)-4.76%
EPS beat(16)6
Avg EPS beat(16)-4.17%
Revenue beat(2)0
Avg Revenue beat(2)-26.07%
Min Revenue beat(2)-45.99%
Max Revenue beat(2)-6.15%
Revenue beat(4)2
Avg Revenue beat(4)-12.77%
Min Revenue beat(4)-45.99%
Max Revenue beat(4)0.78%
Revenue beat(8)2
Avg Revenue beat(8)-7.69%
Revenue beat(12)5
Avg Revenue beat(12)-3.73%
Revenue beat(16)9
Avg Revenue beat(16)3.81%
PT rev (1m)0%
PT rev (3m)-12.93%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.68%
EPS NY rev (1m)-6.38%
EPS NY rev (3m)-7.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.47%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.2%
Valuation
Industry RankSector Rank
PE 16.33
Fwd PE 7.06
P/S 3.52
P/FCF 9.21
P/OCF 8.83
P/B 0.84
P/tB 0.94
EV/EBITDA N/A
EPS(TTM)1.65
EY6.12%
EPS(NY)3.82
Fwd EY14.16%
FCF(TTM)2.93
FCFY10.86%
OCF(TTM)3.05
OCFY11.32%
SpS7.67
BVpS32.22
TBVpS28.58
PEG (NY)0.21
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.18%
ROE 1.78%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 7.48%
GM N/A
FCFM 38.19%
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-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 2.12
Debt/EBITDA N/A
Cap/Depr 491.88%
Cap/Sales 1.62%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 510.5%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC16.6%
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)-9.84%
EPS 3Y-8.69%
EPS 5Y-10.35%
EPS Q2Q%35.71%
EPS Next Y77.68%
EPS Next 2Y59.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.2%
Revenue growth 3Y-7.72%
Revenue growth 5Y13.39%
Sales Q2Q%31.71%
Revenue Next Year28%
Revenue Next 2Y22.17%
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-43.3%
FCF growth 3Y-14.08%
FCF growth 5Y6.84%
OCF growth 1Y-41.59%
OCF growth 3Y-12.2%
OCF growth 5Y7.2%