DIME COMMUNITY BANCSHARES IN (DCOM) Stock Fundamental Analysis
NASDAQ:DCOM - US25432X1028 - Common Stock
30.75 USD
+0.15 (+0.49%)
30.75 USD
0 (0%)
Overall DCOM gets a fundamental rating of 4 out of 10. We evaluated DCOM against 393 industry peers in the Banks industry. DCOM has a bad profitability rating. Also its financial health evaluation is rather negative. DCOM is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year DCOM was profitable.
In the past year DCOM had a positive cash flow from operations.
In the past 5 years DCOM has always been profitable.
In the past 5 years DCOM always reported a positive cash flow from operatings.
1.2 Ratios
DCOM has a Return On Assets of 0.25%. This is amonst the worse of the industry: DCOM underperforms 85.24% of its industry peers.
DCOM's Return On Equity of 2.52% is on the low side compared to the rest of the industry. DCOM is outperformed by 85.50% 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 83.46% of its industry peers.
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 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.
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 is higher compared to a year ago.
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.
Looking at the Debt to FCF ratio, with a value of 1.96, DCOM is in line with its industry, outperforming 50.38% of the companies in the same industry.
DCOM has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
DCOM has a Debt to Equity ratio of 0.19. This is comparable to the rest of the industry: DCOM outperforms 43.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.96 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.91%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 26.32% over the past year.
DCOM shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -10.35% yearly.
Looking at the last year, DCOM shows a small growth in Revenue. The Revenue has grown by 6.42% in the last year.
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
Based on estimates for the next years, DCOM will show a very strong growth in Earnings Per Share. The EPS will grow by 57.96% on average per year.
DCOM is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 24.56% yearly.
EPS Next Y80.62%
EPS Next 2Y57.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year34.09%
Revenue Next 2Y24.56%
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 16.02, DCOM is valued correctly.
DCOM's Price/Earnings ratio is a bit more expensive when compared to the industry. DCOM is more expensive than 70.48% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.17. DCOM is valued slightly cheaper when compared to this.
DCOM is valuated reasonably with a Price/Forward Earnings ratio of 8.22.
Compared to the rest of the industry, the Price/Forward Earnings ratio of DCOM indicates a rather cheap valuation: DCOM is cheaper than 84.73% of the companies listed in the same industry.
DCOM is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.78, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.02 | ||
| Fwd PE | 8.22 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of DCOM indicates a somewhat cheap valuation: DCOM is cheaper than 71.50% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.73 | ||
| 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
With a Yearly Dividend Yield of 3.52%, DCOM has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.30, DCOM pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, DCOM pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.52% |
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.
DCOM's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP132.29%
EPS Next 2Y57.96%
EPS Next 3YN/A
30.75
+0.15 (+0.49%)
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 Change0.51%
Market Cap1.35B
Analysts85.45
Price Target36.72 (19.41%)
Short Float %4.59%
Short Ratio7.12
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.52% |
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)0.84%
PT rev (3m)0.84%
EPS NQ rev (1m)4.59%
EPS NQ rev (3m)-9.32%
EPS NY rev (1m)2.02%
EPS NY rev (3m)1.65%
Revenue NQ rev (1m)7.28%
Revenue NQ rev (3m)3.41%
Revenue NY rev (1m)4.86%
Revenue NY rev (3m)4.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.02 | ||
| Fwd PE | 8.22 | ||
| P/S | 3.77 | ||
| P/FCF | 9.73 | ||
| P/OCF | 9.36 | ||
| P/B | 0.94 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.92
EY6.24%
EPS(NY)3.74
Fwd EY12.17%
FCF(TTM)3.16
FCFY10.28%
OCF(TTM)3.29
OCFY10.68%
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
WACC15.91%
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 Year34.09%
Revenue Next 2Y24.56%
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%