DIME COMMUNITY BANCSHARES IN (DCOM) Fundamental Analysis & Valuation

NYSE:DCOM • US25432X1028

Current stock price

36.23 USD
-1.05 (-2.82%)
At close:
36.23 USD
0 (0%)
After Hours:

This DCOM fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. DCOM Profitability Analysis

1.1 Basic Checks

  • DCOM had positive earnings in the past year.
  • In the past year DCOM had a positive cash flow from operations.
  • Each year in the past 5 years DCOM has been profitable.
  • Each year in the past 5 years DCOM had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.66%, DCOM is doing worse than 76.60% of the companies in the same industry.
  • DCOM has a worse Return On Equity (6.88%) than 72.87% of its industry peers.
Industry RankSector Rank
ROA 0.66%
ROE 6.88%
ROIC N/A
ROA(3y)0.48%
ROA(5y)0.67%
ROE(3y)5.18%
ROE(5y)7.17%
ROIC(3y)N/A
ROIC(5y)N/A
DCOM Yearly ROA, ROE, ROICDCOM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • DCOM has a worse Profit Margin (22.41%) than 65.43% of its industry peers.
  • In the last couple of years the Profit Margin of DCOM has remained more or less at the same level.
  • 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) 22.41%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.27%
PM growth 5Y-0.35%
GM growth 3YN/A
GM growth 5YN/A
DCOM Yearly Profit, Operating, Gross MarginsDCOM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. DCOM Health Analysis

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.
  • Compared to 5 years ago, DCOM has more shares outstanding
  • Compared to 1 year ago, DCOM has an improved debt to assets ratio.
DCOM Yearly Shares OutstandingDCOM Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
DCOM Yearly Total Debt VS Total AssetsDCOM Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.2 Solvency

  • DCOM has a debt to FCF ratio of 1.49. This is a very positive value and a sign of high solvency as it would only need 1.49 years to pay back of all of its debts.
  • DCOM has a Debt to FCF ratio (1.49) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.18 indicates that DCOM is not too dependend on debt financing.
  • The Debt to Equity ratio of DCOM (0.18) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.49
Altman-Z N/A
ROIC/WACCN/A
WACC14.8%
DCOM Yearly LT Debt VS Equity VS FCFDCOM Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 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 2025 20M 40M 60M 80M 100M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. DCOM Growth Analysis

3.1 Past

  • DCOM shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 74.00%, which is quite impressive.
  • The Earnings Per Share has been growing slightly by 0.86% on average over the past years.
  • Looking at the last year, DCOM shows a very strong growth in Revenue. The Revenue has grown by 44.20%.
  • Measured over the past years, DCOM shows a very strong growth in Revenue. The Revenue has been growing by 20.20% on average per year.
EPS 1Y (TTM)74%
EPS 3Y-11.22%
EPS 5Y0.86%
EPS Q2Q%88.1%
Revenue 1Y (TTM)44.2%
Revenue growth 3Y2.71%
Revenue growth 5Y20.2%
Sales Q2Q%131.09%

3.2 Future

  • The Earnings Per Share is expected to grow by 31.64% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, DCOM will show a quite strong growth in Revenue. The Revenue will grow by 16.84% on average per year.
EPS Next Y35.96%
EPS Next 2Y31.64%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year21.18%
Revenue Next 2Y16.84%
Revenue Next 3YN/A
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 stable.
DCOM Yearly Revenue VS EstimatesDCOM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M 500M
DCOM Yearly EPS VS EstimatesDCOM Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

More info and screens

Find the best growth stocksShow best growing peers

5

4. DCOM Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 13.88, which indicates a correct valuation of DCOM.
  • Compared to the rest of the industry, the Price/Earnings ratio of DCOM indicates a slightly more expensive valuation: DCOM is more expensive than 65.69% of the companies listed in the same industry.
  • DCOM is valuated rather cheaply when we compare the Price/Earnings ratio to 27.71, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 10.21, which indicates a very decent valuation of DCOM.
  • DCOM's Price/Forward Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 38.09, DCOM is valued rather cheaply.
Industry RankSector Rank
PE 13.88
Fwd PE 10.21
DCOM Price Earnings VS Forward Price EarningsDCOM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 79.79% of the companies in the same industry are more expensive than DCOM, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 8.72
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 31.64% in the coming years.
PEG (NY)0.39
PEG (5Y)16.05
EPS Next 2Y31.64%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. DCOM Dividend Analysis

5.1 Amount

  • DCOM has a Yearly Dividend Yield of 2.79%. Purely for dividend investing, there may be better candidates out there.
  • DCOM's Dividend Yield is comparable with the industry average which is at 2.57.
  • DCOM's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 2.79%

5.2 History

  • The dividend of DCOM has a limited annual growth rate of 3.43%.
  • 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)3.43%
Div Incr Years0
Div Non Decr Years4
DCOM Yearly Dividends per shareDCOM Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 49.47% of the earnings are spent on dividend by DCOM. This is a bit on the high side, but may be sustainable.
  • DCOM's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP49.47%
EPS Next 2Y31.64%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
DCOM Dividend Payout.DCOM Dividend Payout, showing the Payout Ratio.DCOM Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

DCOM Fundamentals: All Metrics, Ratios and Statistics

DIME COMMUNITY BANCSHARES IN

NYSE:DCOM (4/21/2026, 8:04:00 PM)

After market: 36.23 0 (0%)

36.23

-1.05 (-2.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-24
Inst Owners87.13%
Inst Owner Change-0.01%
Ins Owners3.15%
Ins Owner Change0.2%
Market Cap1.59B
Revenue(TTM)452.93M
Net Income(TTM)101.50M
Analysts81.82
Price Target40.39 (11.48%)
Short Float %7.84%
Short Ratio12.03
Dividend
Industry RankSector Rank
Dividend Yield 2.79%
Yearly Dividend1.15
Dividend Growth(5Y)3.43%
DP49.47%
Div Incr Years0
Div Non Decr Years4
Ex-Date04-17
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.03%
Min EPS beat(2)-12.72%
Max EPS beat(2)8.66%
EPS beat(4)2
Avg EPS beat(4)-1.69%
Min EPS beat(4)-12.72%
Max EPS beat(4)8.66%
EPS beat(8)3
Avg EPS beat(8)-4.91%
EPS beat(12)5
Avg EPS beat(12)-6.15%
EPS beat(16)7
Avg EPS beat(16)-4.02%
Revenue beat(2)0
Avg Revenue beat(2)-1.55%
Min Revenue beat(2)-2.48%
Max Revenue beat(2)-0.61%
Revenue beat(4)1
Avg Revenue beat(4)-1.91%
Min Revenue beat(4)-6.15%
Max Revenue beat(4)1.61%
Revenue beat(8)3
Avg Revenue beat(8)-6.97%
Revenue beat(12)3
Avg Revenue beat(12)-6.26%
Revenue beat(16)7
Avg Revenue beat(16)-2.76%
PT rev (1m)2.59%
PT rev (3m)14.78%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.97%
EPS NY rev (1m)0%
EPS NY rev (3m)0.84%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.62%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.21%
Valuation
Industry RankSector Rank
PE 13.88
Fwd PE 10.21
P/S 3.51
P/FCF 8.72
P/OCF 8.52
P/B 1.08
P/tB 1.21
EV/EBITDA N/A
EPS(TTM)2.61
EY7.2%
EPS(NY)3.55
Fwd EY9.79%
FCF(TTM)4.16
FCFY11.47%
OCF(TTM)4.25
OCFY11.73%
SpS10.32
BVpS33.62
TBVpS30.01
PEG (NY)0.39
PEG (5Y)16.05
Graham Number44.4363 (22.65%)
Profitability
Industry RankSector Rank
ROA 0.66%
ROE 6.88%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.41%
GM N/A
FCFM 40.28%
ROA(3y)0.48%
ROA(5y)0.67%
ROE(3y)5.18%
ROE(5y)7.17%
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-13.27%
PM growth 5Y-0.35%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.49
Debt/EBITDA N/A
Cap/Depr 431.21%
Cap/Sales 0.91%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 179.73%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC14.8%
ROIC/WACCN/A
Cap/Depr(3y)456.93%
Cap/Depr(5y)N/A
Cap/Sales(3y)1.51%
Cap/Sales(5y)N/A
Profit Quality(3y)236.73%
Profit Quality(5y)213.28%
High Growth Momentum
Growth
EPS 1Y (TTM)74%
EPS 3Y-11.22%
EPS 5Y0.86%
EPS Q2Q%88.1%
EPS Next Y35.96%
EPS Next 2Y31.64%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)44.2%
Revenue growth 3Y2.71%
Revenue growth 5Y20.2%
Sales Q2Q%131.09%
Revenue Next Year21.18%
Revenue Next 2Y16.84%
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 1Y96.59%
FCF growth 3Y-14.46%
FCF growth 5Y33.98%
OCF growth 1Y88.34%
OCF growth 3Y-14.18%
OCF growth 5Y31.53%

DIME COMMUNITY BANCSHARES IN / DCOM Fundamental Analysis FAQ

What is the ChartMill fundamental rating of DIME COMMUNITY BANCSHARES IN (DCOM) stock?

ChartMill assigns a fundamental rating of 4 / 10 to DCOM.


What is the valuation status for DCOM stock?

ChartMill assigns a valuation rating of 6 / 10 to DIME COMMUNITY BANCSHARES IN (DCOM). This can be considered as Fairly Valued.


How profitable is DIME COMMUNITY BANCSHARES IN (DCOM) stock?

DIME COMMUNITY BANCSHARES IN (DCOM) has a profitability rating of 2 / 10.


Can you provide the financial health for DCOM stock?

The financial health rating of DIME COMMUNITY BANCSHARES IN (DCOM) is 2 / 10.


How sustainable is the dividend of DIME COMMUNITY BANCSHARES IN (DCOM) stock?

The dividend rating of DIME COMMUNITY BANCSHARES IN (DCOM) is 6 / 10 and the dividend payout ratio is 49.47%.