DIME COMMUNITY BANCSHARES IN (DCOM) Stock Fundamental Analysis
USA - NASDAQ:DCOM - US25432X1028 - Common Stock
26.38 USD
-0.77 (-2.84%)
We assign a fundamental rating of 5 out of 10 to DCOM. DCOM was compared to 388 industry peers in the Banks industry. DCOM may be in some trouble as it scores bad on both profitability and health. DCOM has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination! 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.
In the past 5 years DCOM has always been profitable.
Each year in the past 5 years DCOM had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.35%, DCOM is doing worse than 85.05% of the companies in the same industry.
With a Return On Equity value of 3.46%, DCOM is not doing good in the industry: 82.99% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.35% | ||
| ROE | 3.46% | ||
| 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 has a Profit Margin of 12.99%. This is amonst the worse of the industry: DCOM underperforms 81.19% of its industry peers.
DCOM's Profit Margin has declined in the last couple of years.
DCOM does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 12.99% | ||
| 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.
Compared to 1 year ago, DCOM has more shares outstanding
DCOM has more shares outstanding than it did 5 years ago.
The debt/assets ratio for DCOM is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of DCOM is 1.22, which is an excellent value as it means it would take DCOM, only 1.22 years of fcf income to pay off all of its debts.
DCOM's Debt to FCF ratio of 1.22 is fine compared to the rest of the industry. DCOM outperforms 62.37% of its industry peers.
A Debt/Equity ratio of 0.19 indicates that DCOM is not too dependend on debt financing.
DCOM has a Debt to Equity ratio of 0.19. This is comparable to the rest of the industry: DCOM outperforms 44.85% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.22 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.26%
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 52.38%, which is quite impressive.
DCOM shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -10.35% yearly.
DCOM shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.69%.
The Revenue has been growing by 13.39% on average over the past years. This is quite good.
EPS 1Y (TTM)52.38%
EPS 3Y-8.69%
EPS 5Y-10.35%
EPS Q2Q%110.34%
Revenue 1Y (TTM)13.69%
Revenue growth 3Y-7.72%
Revenue growth 5Y13.39%
Sales Q2Q%29.37%
3.2 Future
The Earnings Per Share is expected to grow by 43.56% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 24.06% on average over the next years. This is a very strong growth
EPS Next Y75.02%
EPS Next 2Y56.24%
EPS Next 3Y43.56%
EPS Next 5YN/A
Revenue Next Year33.87%
Revenue Next 2Y24.79%
Revenue Next 3Y24.06%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.78 indicates a reasonable valuation of DCOM.
DCOM's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 25.89. DCOM is valued rather cheaply when compared to this.
DCOM is valuated cheaply with a Price/Forward Earnings ratio of 7.20.
Compared to the rest of the industry, the Price/Forward Earnings ratio of DCOM indicates a rather cheap valuation: DCOM is cheaper than 87.89% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.59, DCOM is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.78 | ||
| Fwd PE | 7.2 |
4.2 Price Multiples
90.46% of the companies in the same industry are more expensive than DCOM, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.17 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
DCOM's 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 43.56% in the coming years.
PEG (NY)0.16
PEG (5Y)N/A
EPS Next 2Y56.24%
EPS Next 3Y43.56%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.38%, DCOM is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.39, DCOM pays a better dividend. On top of this DCOM pays more dividend than 96.65% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, DCOM pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.38% |
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
5.3 Sustainability
DCOM pays out 97.59% 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.
DP97.59%
EPS Next 2Y56.24%
EPS Next 3Y43.56%
NASDAQ:DCOM (11/17/2025, 12:30:04 PM)
26.38
-0.77 (-2.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners84.94%
Inst Owner Change-0.58%
Ins Owners3.34%
Ins Owner Change-0.24%
Market Cap1.16B
Revenue(TTM)386.38M
Net Income(TTM)50.20M
Analysts85.45
Price Target36.11 (36.88%)
Short Float %5.04%
Short Ratio11.1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.38% |
Yearly Dividend1.1
Dividend Growth(5Y)3.41%
DP97.59%
Div Incr Years2
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-6.26%
Min EPS beat(2)-12.72%
Max EPS beat(2)0.2%
EPS beat(4)1
Avg EPS beat(4)-5.77%
Min EPS beat(4)-12.72%
Max EPS beat(4)0.2%
EPS beat(8)2
Avg EPS beat(8)-8.27%
EPS beat(12)4
Avg EPS beat(12)-7.08%
EPS beat(16)6
Avg EPS beat(16)-4.91%
Revenue beat(2)1
Avg Revenue beat(2)-0.43%
Min Revenue beat(2)-2.48%
Max Revenue beat(2)1.61%
Revenue beat(4)1
Avg Revenue beat(4)-13.25%
Min Revenue beat(4)-45.99%
Max Revenue beat(4)1.61%
Revenue beat(8)3
Avg Revenue beat(8)-7.08%
Revenue beat(12)4
Avg Revenue beat(12)-6.06%
Revenue beat(16)8
Avg Revenue beat(16)-2.27%
PT rev (1m)-1.67%
PT rev (3m)-1.67%
EPS NQ rev (1m)-4.49%
EPS NQ rev (3m)-3.54%
EPS NY rev (1m)-3.25%
EPS NY rev (3m)-1.14%
Revenue NQ rev (1m)-1%
Revenue NQ rev (3m)-4.78%
Revenue NY rev (1m)2.05%
Revenue NY rev (3m)-2.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.78 | ||
| Fwd PE | 7.2 | ||
| P/S | 3 | ||
| P/FCF | 5.17 | ||
| P/OCF | 5.04 | ||
| P/B | 0.8 | ||
| P/tB | 0.9 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.24
EY8.49%
EPS(NY)3.66
Fwd EY13.88%
FCF(TTM)5.1
FCFY19.35%
OCF(TTM)5.23
OCFY19.83%
SpS8.8
BVpS33.09
TBVpS29.47
PEG (NY)0.16
PEG (5Y)N/A
Graham Number40.84
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.35% | ||
| ROE | 3.46% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 12.99% | ||
| GM | N/A | ||
| FCFM | 57.97% |
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
ROICexgc growth 3YN/A
ROICexgc 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 | 1.22 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 554.66% | ||
| Cap/Sales | 1.45% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 446.17% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC16.26%
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)52.38%
EPS 3Y-8.69%
EPS 5Y-10.35%
EPS Q2Q%110.34%
EPS Next Y75.02%
EPS Next 2Y56.24%
EPS Next 3Y43.56%
EPS Next 5YN/A
Revenue 1Y (TTM)13.69%
Revenue growth 3Y-7.72%
Revenue growth 5Y13.39%
Sales Q2Q%29.37%
Revenue Next Year33.87%
Revenue Next 2Y24.79%
Revenue Next 3Y24.06%
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 1Y29.27%
FCF growth 3Y-14.08%
FCF growth 5Y6.84%
OCF growth 1Y28.52%
OCF growth 3Y-12.2%
OCF growth 5Y7.2%
DIME COMMUNITY BANCSHARES IN / DCOM FAQ
What is the ChartMill fundamental rating of DIME COMMUNITY BANCSHARES IN (DCOM) stock?
ChartMill assigns a fundamental rating of 4 / 10 to DCOM.
Can you provide the valuation status for DIME COMMUNITY BANCSHARES IN?
ChartMill assigns a valuation rating of 7 / 10 to DIME COMMUNITY BANCSHARES IN (DCOM). This can be considered as Undervalued.
What is the profitability of DCOM stock?
DIME COMMUNITY BANCSHARES IN (DCOM) has a profitability rating of 2 / 10.
What is the valuation of DIME COMMUNITY BANCSHARES IN based on its PE and PB ratios?
The Price/Earnings (PE) ratio for DIME COMMUNITY BANCSHARES IN (DCOM) is 11.78 and the Price/Book (PB) ratio is 0.8.
Is the dividend of DIME COMMUNITY BANCSHARES IN sustainable?
The dividend rating of DIME COMMUNITY BANCSHARES IN (DCOM) is 7 / 10 and the dividend payout ratio is 97.59%.