28.59 USD
+1.13 (+4.12%)
28.59 USD
0 (0%)
Overall DCOM gets a fundamental rating of 4 out of 10. We evaluated DCOM against 387 industry peers in the Banks industry. Both the profitability and financial health of DCOM have multiple concerns. DCOM is growing strongly while it also seems undervalued. This is an interesting 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
The Return On Assets of DCOM (0.35%) is worse than 85.01% of its industry peers.
DCOM has a worse Return On Equity (3.46%) than 83.46% of its industry peers.
| 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 worse Profit Margin (12.99%) than 81.14% of its industry peers.
In the last couple of years the Profit Margin of DCOM has declined.
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
The number of shares outstanding for DCOM has been increased compared to 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.
With a decent Debt to FCF ratio value of 1.22, DCOM is doing good in the industry, outperforming 61.24% of the companies in the same industry.
A Debt/Equity ratio of 0.19 indicates that DCOM is not too dependend on debt financing.
The Debt to Equity ratio of DCOM (0.19) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.22 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.98%
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.
The earnings per share for DCOM have been decreasing by -10.35% on average. This is quite bad
Looking at the last year, DCOM shows a quite strong growth in Revenue. The Revenue has grown by 13.69% in the last year.
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
Based on estimates for the next years, DCOM will show a very strong growth in Earnings Per Share. The EPS will grow by 43.56% on average per year.
Based on estimates for the next years, DCOM will show a very strong growth in Revenue. The Revenue will grow by 24.06% on average per year.
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
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
DCOM is valuated correctly with a Price/Earnings ratio of 12.76.
DCOM's Price/Earnings ratio is in line with the industry average.
DCOM is valuated cheaply when we compare the Price/Earnings ratio to 25.98, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 7.81, the valuation of DCOM can be described as very cheap.
Based on the Price/Forward Earnings ratio, DCOM is valued cheaply inside the industry as 86.82% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of DCOM to the average of the S&P500 Index (35.79), we can say DCOM is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.76 | ||
| Fwd PE | 7.81 |
4.2 Price Multiples
DCOM's Price/Free Cash Flow ratio is rather cheap when compared to the industry. DCOM is cheaper than 90.18% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.6 | ||
| 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.
A more expensive valuation may be justified as DCOM's earnings are expected to grow with 43.56% in the coming years.
PEG (NY)0.17
PEG (5Y)N/A
EPS Next 2Y56.24%
EPS Next 3Y43.56%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.30%, DCOM is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.33, DCOM pays a better dividend. On top of this DCOM pays more dividend than 96.90% 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 | 7.3% |
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
97.59% of the earnings are spent on dividend by DCOM. This is not a sustainable payout ratio.
DCOM's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP97.59%
EPS Next 2Y56.24%
EPS Next 3Y43.56%
28.59
+1.13 (+4.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners84.94%
Inst Owner Change-0.59%
Ins Owners3.34%
Ins Owner Change-0.16%
Market Cap1.25B
Revenue(TTM)386.38M
Net Income(TTM)50.20M
Analysts85.45
Price Target33.92 (18.64%)
Short Float %5.32%
Short Ratio9.71
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.3% |
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)-7.64%
PT rev (3m)-7.64%
EPS NQ rev (1m)-4.49%
EPS NQ rev (3m)-3.54%
EPS NY rev (1m)-3.44%
EPS NY rev (3m)-3.1%
Revenue NQ rev (1m)1.42%
Revenue NQ rev (3m)-2.45%
Revenue NY rev (1m)2.05%
Revenue NY rev (3m)-0.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.76 | ||
| Fwd PE | 7.81 | ||
| P/S | 3.25 | ||
| P/FCF | 5.6 | ||
| P/OCF | 5.47 | ||
| P/B | 0.86 | ||
| P/tB | 0.97 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.24
EY7.83%
EPS(NY)3.66
Fwd EY12.81%
FCF(TTM)5.1
FCFY17.85%
OCF(TTM)5.23
OCFY18.3%
SpS8.8
BVpS33.09
TBVpS29.47
PEG (NY)0.17
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
WACC15.98%
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 12.76 and the Price/Book (PB) ratio is 0.86.
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%.