DIME COMMUNITY BANCSHARES IN (DCOM) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:DCOM • US25432X1028

35.73 USD
-0.06 (-0.17%)
At close: Feb 5, 2026
35.73 USD
0 (0%)
After Hours: 2/5/2026, 8:19:24 PM
Fundamental Rating

4

Overall DCOM gets a fundamental rating of 4 out of 10. We evaluated DCOM against 383 industry peers in the Banks industry. DCOM may be in some trouble as it scores bad on both profitability and health. DCOM has a correct valuation and a medium growth rate. DCOM also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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 4 of the past 5 years.
  • Of the past 5 years DCOM 4 years 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 50M 100M 150M 200M 250M

1.2 Ratios

  • The Return On Assets of DCOM (0.35%) is worse than 85.38% of its industry peers.
  • DCOM has a Return On Equity of 3.46%. This is amonst the worse of the industry: DCOM underperforms 84.07% of its industry peers.
Industry RankSector 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
DCOM Yearly ROA, ROE, ROICDCOM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • DCOM's Profit Margin of 12.99% is on the low side compared to the rest of the industry. DCOM is outperformed by 80.68% 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 RankSector 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
DCOM Yearly Profit, Operating, Gross MarginsDCOM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • DCOM does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for DCOM. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
DCOM Yearly Shares OutstandingDCOM Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B

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.
  • The Debt to FCF ratio of DCOM (1.22) is better than 60.31% of its industry peers.
  • A Debt/Equity ratio of 0.19 indicates that DCOM is not too dependend on debt financing.
  • DCOM has a Debt to Equity ratio (0.19) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.22
Altman-Z N/A
ROIC/WACCN/A
WACC15.14%
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 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

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.
  • DCOM shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.86% yearly.
EPS 1Y (TTM)74%
EPS 3Y-11.22%
EPS 5Y0.86%
EPS Q2Q%88.1%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%131.09%

3.2 Future

  • The Earnings Per Share is expected to grow by 29.99% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 16.82% on average over the next years. This is quite good.
EPS Next Y34.83%
EPS Next 2Y29.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year21.18%
Revenue Next 2Y16.82%
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.
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

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 13.69, which indicates a correct valuation of DCOM.
  • The rest of the industry has a similar Price/Earnings ratio as DCOM.
  • DCOM's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.67.
  • The Price/Forward Earnings ratio is 10.15, which indicates a very decent valuation of DCOM.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of DCOM indicates a somewhat cheap valuation: DCOM is cheaper than 68.15% of the companies listed in the same industry.
  • DCOM is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.20, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.69
Fwd PE 10.15
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of DCOM indicates a rather cheap valuation: DCOM is cheaper than 88.25% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7
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

  • DCOM's 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 29.99% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.39
PEG (5Y)15.83
EPS Next 2Y29.99%
EPS Next 3YN/A

More info and screens

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

7

5. Dividend

5.1 Amount

  • DCOM has a Yearly Dividend Yield of 7.07%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.71, DCOM pays a better dividend. On top of this DCOM pays more dividend than 97.91% of the companies listed in the same industry.
  • DCOM's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 7.07%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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 2Y29.99%
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 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

DIME COMMUNITY BANCSHARES IN

NASDAQ:DCOM (2/5/2026, 8:19:24 PM)

After market: 35.73 0 (0%)

35.73

-0.06 (-0.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-20
Inst Owners84.81%
Inst Owner Change-0.13%
Ins Owners3.17%
Ins Owner Change0.38%
Market Cap1.57B
Revenue(TTM)N/A
Net Income(TTM)50.20M
Analysts81.82
Price Target35.19 (-1.51%)
Short Float %6.47%
Short Ratio9.21
Dividend
Industry RankSector Rank
Dividend Yield 7.07%
Yearly Dividend1.1
Dividend Growth(5Y)3.41%
DP97.59%
Div Incr Years2
Div Non Decr Years3
Ex-Date01-16
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)0%
PT rev (3m)-2.54%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.36%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.63%
Revenue NQ rev (1m)-3.06%
Revenue NQ rev (3m)2.25%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)-1.3%
Valuation
Industry RankSector Rank
PE 13.69
Fwd PE 10.15
P/S 4.06
P/FCF 7
P/OCF 6.83
P/B 1.08
P/tB 1.21
EV/EBITDA N/A
EPS(TTM)2.61
EY7.3%
EPS(NY)3.52
Fwd EY9.85%
FCF(TTM)5.1
FCFY14.28%
OCF(TTM)5.23
OCFY14.64%
SpS8.8
BVpS33.09
TBVpS29.47
PEG (NY)0.39
PEG (5Y)15.83
Graham Number44.08
Profitability
Industry RankSector 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 RankSector 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
WACC15.14%
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)74%
EPS 3Y-11.22%
EPS 5Y0.86%
EPS Q2Q%88.1%
EPS Next Y34.83%
EPS Next 2Y29.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%131.09%
Revenue Next Year21.18%
Revenue Next 2Y16.82%
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 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.


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.


What is the profitability of DCOM stock?

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


What is the expected EPS growth for DIME COMMUNITY BANCSHARES IN (DCOM) stock?

The Earnings per Share (EPS) of DIME COMMUNITY BANCSHARES IN (DCOM) is expected to grow by 34.83% in the next year.


Can you provide the dividend sustainability for DCOM stock?

The dividend rating of DIME COMMUNITY BANCSHARES IN (DCOM) is 7 / 10 and the dividend payout ratio is 97.59%.