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DIME COMMUNITY BANCSHARES IN (DCOM) Stock Fundamental Analysis

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

28.69  -0.38 (-1.31%)

After market: 28.69 0 (0%)

Fundamental Rating

4

Overall DCOM gets a fundamental rating of 4 out of 10. We evaluated DCOM against 397 industry peers in the Banks industry. DCOM has a bad profitability rating. Also its financial health evaluation is rather negative. DCOM has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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2

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.
DCOM had positive earnings in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

1.2 Ratios

DCOM's Return On Assets of 0.18% is on the low side compared to the rest of the industry. DCOM is outperformed by 86.65% of its industry peers.
DCOM has a Return On Equity of 1.78%. This is amonst the worse of the industry: DCOM underperforms 87.15% 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

The Profit Margin of DCOM (7.48%) is worse than 85.64% 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 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.
Compared to 1 year ago, DCOM has more shares outstanding
The number of shares outstanding for DCOM has been increased compared to 5 years ago.
DCOM has a worse debt/assets ratio than last year.
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

The Debt to FCF ratio of DCOM is 2.12, which is a good value as it means it would take DCOM, 2.12 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 2.12, DCOM perfoms like the industry average, outperforming 46.85% 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.
With a Debt to Equity ratio value of 0.19, DCOM perfoms like the industry average, outperforming 42.32% 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
WACC16.3%
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

DCOM shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.84%.
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 decrease in Revenue. The Revenue has decreased by -1.20% 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)-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

The Earnings Per Share is expected to grow by 59.08% on average over the next years. This is a very strong growth
DCOM is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 22.07% yearly.
EPS Next Y77.04%
EPS Next 2Y59.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year27.88%
Revenue Next 2Y22.07%
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.
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

The Price/Earnings ratio is 17.39, which indicates a rather expensive current valuation of DCOM.
Based on the Price/Earnings ratio, DCOM is valued a bit more expensive than the industry average as 74.31% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of DCOM to the average of the S&P500 Index (27.30), we can say DCOM is valued slightly cheaper.
The Price/Forward Earnings ratio is 7.56, which indicates a rather cheap valuation of DCOM.
DCOM's Price/Forward Earnings ratio is rather cheap when compared to the industry. DCOM is cheaper than 86.15% of the companies in the same industry.
DCOM is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.76, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 17.39
Fwd PE 7.56
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 65.74% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.8
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.
DCOM's earnings are expected to grow with 59.08% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.23
PEG (5Y)N/A
EPS Next 2Y59.08%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

DCOM has a Yearly Dividend Yield of 3.44%. Purely for dividend investing, there may be better candidates out there.
DCOM's Dividend Yield is a higher than the industry average which is at 3.31.
Compared to an average S&P500 Dividend Yield of 2.35, DCOM pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.44%

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
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 2Y59.08%
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 (7/11/2025, 8:04:11 PM)

After market: 28.69 0 (0%)

28.69

-0.38 (-1.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22 2025-04-22/bmo
Earnings (Next)07-25 2025-07-25/bmo
Inst Owners83.86%
Inst Owner Change0%
Ins Owners3.34%
Ins Owner Change-0.23%
Market Cap1.26B
Analysts85.45
Price Target36.41 (26.91%)
Short Float %5.24%
Short Ratio8.57
Dividend
Industry RankSector Rank
Dividend Yield 3.44%
Yearly Dividend1.1
Dividend Growth(5Y)3.41%
DP185.22%
Div Incr Years2
Div Non Decr Years3
Ex-Date07-17 2025-07-17 (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)-11.19%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.78%
EPS NY rev (1m)-0.36%
EPS NY rev (3m)-7.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.27%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)-5.09%
Valuation
Industry RankSector Rank
PE 17.39
Fwd PE 7.56
P/S 3.74
P/FCF 9.8
P/OCF 9.4
P/B 0.89
P/tB 1
EV/EBITDA N/A
EPS(TTM)1.65
EY5.75%
EPS(NY)3.8
Fwd EY13.23%
FCF(TTM)2.93
FCFY10.2%
OCF(TTM)3.05
OCFY10.64%
SpS7.67
BVpS32.22
TBVpS28.58
PEG (NY)0.23
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
WACC16.3%
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 Y77.04%
EPS Next 2Y59.08%
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 Year27.88%
Revenue Next 2Y22.07%
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%