DIME COMMUNITY BANCSHARES IN (DCOM)
US25432X1028 - Common Stock
We assign a fundamental rating of 3 out of 10 to DCOM. DCOM was compared to 412 industry peers in the Banks industry. DCOM may be in some trouble as it scores bad on both profitability and health. DCOM is not valued too expensively and it also shows a decent growth rate. Finally DCOM also has an excellent dividend rating.
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.
Each year in the past 5 years DCOM has been profitable.
In the past 5 years DCOM always reported a positive cash flow from operatings.
1.2 Ratios
DCOM has a worse Return On Assets (0.64%) than 70.32% of its industry peers.
With a Return On Equity value of 7.14%, DCOM is not doing good in the industry: 67.64% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.64% | ||
| ROE | 7.14% | ||
| ROIC | N/A |
ROA(3y)0.84%
ROA(5y)0.84%
ROE(3y)9.14%
ROE(5y)9.11%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
DCOM has a Profit Margin of 24.82%. This is comparable to the rest of the industry: DCOM outperforms 53.77% of its industry peers.
DCOM's Profit Margin has been stable 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) | 24.82% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.86%
PM growth 5Y-0.82%
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
Compared to 5 years ago, DCOM has more shares outstanding
The debt/assets ratio for DCOM has been reduced compared to a year ago.
2.2 Solvency
DCOM has a debt to FCF ratio of 2.35. This is a good value and a sign of high solvency as DCOM would need 2.35 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.35, DCOM is in line with its industry, outperforming 51.82% of the companies in the same industry.
A Debt/Equity ratio of 0.16 indicates that DCOM is not too dependend on debt financing.
DCOM has a Debt to Equity ratio of 0.16. This is in the better half of the industry: DCOM outperforms 62.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 2.35 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.38%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for DCOM have decreased strongly by -37.53% in the last year.
Measured over the past years, DCOM shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.54% on average per year.
The Revenue for DCOM has decreased by -15.61% in the past year. This is quite bad
Measured over the past years, DCOM shows a quite strong growth in Revenue. The Revenue has been growing by 18.92% on average per year.
EPS 1Y (TTM)-37.53%
EPS 3Y-2.32%
EPS 5Y-2.54%
EPS growth Q2Q-60.61%
Revenue 1Y (TTM)-15.61%
Revenue growth 3Y25.03%
Revenue growth 5Y18.92%
Revenue growth Q2Q-21.9%
3.2 Future
DCOM is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.44% yearly.
Based on estimates for the next years, DCOM will show a small growth in Revenue. The Revenue will grow by 7.47% on average per year.
EPS Next Y-19.96%
EPS Next 2Y11.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-3.23%
Revenue Next 2Y7.47%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 8.19, the valuation of DCOM can be described as very reasonable.
Based on the Price/Earnings ratio, DCOM is valued a bit cheaper than 72.99% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 24.84. DCOM is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 10.23, the valuation of DCOM can be described as very reasonable.
Based on the Price/Forward Earnings ratio, DCOM is valued a bit cheaper than 61.07% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.35. DCOM is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.19 | ||
| Fwd PE | 10.23 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as DCOM.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.71 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y11.44%
EPS Next 3YN/A
5. Dividend
5.1 Amount
DCOM has a Yearly Dividend Yield of 5.39%, which is a nice return.
In the last 3 months the price of DCOM has falen by -20.13%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 3.83, DCOM pays a better dividend. On top of this DCOM pays more dividend than 82.00% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, DCOM pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.39% |
5.2 History
The dividend of DCOM has a limited annual growth rate of 1.43%.
DCOM has been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of DCOM decreased in the last 3 years.
Dividend Growth(5Y)1.43%
Div Incr Years1
Div Non Decr Years2
5.3 Sustainability
DCOM pays out 50.92% of its income as dividend. 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.
DP50.92%
EPS Next 2Y11.44%
EPS Next 3YN/A
DIME COMMUNITY BANCSHARES IN
NASDAQ:DCOM (4/26/2024, 7:00:00 PM)
After market: 19.08 0 (0%)19.08
+0.54 (+2.91%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap741.83M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.39% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(8)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.19 | ||
| Fwd PE | 10.23 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.64% | ||
| ROE | 7.14% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 24.82% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-37.53%
EPS 3Y-2.32%
EPS 5Y
EPS growth Q2Q
EPS Next Y-19.96%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-15.61%
Revenue growth 3Y25.03%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y