DIME COMMUNITY BANCSHARES IN (DCOM) Stock Fundamental Analysis
USA - NASDAQ:DCOM - US25432X1028 - Common Stock
29.86 USD
+0.59 (+2.02%)
Taking everything into account, DCOM scores 4 out of 10 in our fundamental rating. DCOM was compared to 391 industry peers in the Banks industry. DCOM may be in some trouble as it scores bad on both profitability and health. 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.
DCOM had positive earnings in each of the past 5 years.
DCOM had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
DCOM has a Return On Assets of 0.25%. This is amonst the worse of the industry: DCOM underperforms 85.68% of its industry peers.
DCOM has a worse Return On Equity (2.52%) than 85.42% 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
Looking at the Profit Margin, with a value of 10.08%, DCOM is doing worse than 83.63% of the companies in the same industry.
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) | 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.
The number of shares outstanding for DCOM has been increased compared to 1 year ago.
DCOM has more shares outstanding than it did 5 years ago.
The debt/assets ratio for DCOM is higher compared to a year ago.
2.2 Solvency
DCOM has a debt to FCF ratio of 1.96. This is a very positive value and a sign of high solvency as it would only need 1.96 years to pay back of 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 48.59% 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.
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 | 1.96 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16%
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.
The earnings per share for DCOM have been decreasing by -10.35% on average. This is quite bad
DCOM shows a small growth in Revenue. In the last year, the Revenue has grown by 6.42%.
The Revenue has been growing by 13.39% on average over the past years. This is quite good.
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
The Earnings Per Share is expected to grow by 58.22% 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 23.51% yearly.
EPS Next Y80.89%
EPS Next 2Y58.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year31.18%
Revenue Next 2Y23.51%
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 15.55, DCOM is valued correctly.
Based on the Price/Earnings ratio, DCOM is valued a bit more expensive than the industry average as 69.82% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 27.34, DCOM is valued a bit cheaper.
The Price/Forward Earnings ratio is 7.95, which indicates a rather cheap valuation of DCOM.
83.12% of the companies in the same industry are more expensive than DCOM, based on the Price/Forward Earnings ratio.
DCOM is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.86, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.55 | ||
| Fwd PE | 7.95 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, DCOM is valued a bit cheaper than 71.87% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.45 | ||
| EV/EBITDA | N/A |
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 58.22% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.19
PEG (5Y)N/A
EPS Next 2Y58.22%
EPS Next 3YN/A
5. Dividend
5.1 Amount
DCOM has a Yearly Dividend Yield of 3.34%.
Compared to an average industry Dividend Yield of 3.60, DCOM has a dividend in line with its industry peers.
DCOM's Dividend Yield is a higher than the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.34% |
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
132.29% 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.
DP132.29%
EPS Next 2Y58.22%
EPS Next 3YN/A
NASDAQ:DCOM (10/14/2025, 1:16:32 PM)
29.86
+0.59 (+2.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners84.94%
Inst Owner Change-0.01%
Ins Owners3.34%
Ins Owner Change-0.1%
Market Cap1.31B
Analysts85.45
Price Target36.72 (22.97%)
Short Float %4.8%
Short Ratio9.57
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.34% |
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%
PT rev (3m)0.84%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.98%
EPS NY rev (1m)0.15%
EPS NY rev (3m)1.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.86%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.55 | ||
| Fwd PE | 7.95 | ||
| P/S | 3.66 | ||
| P/FCF | 9.45 | ||
| P/OCF | 9.09 | ||
| P/B | 0.92 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.92
EY6.43%
EPS(NY)3.75
Fwd EY12.57%
FCF(TTM)3.16
FCFY10.58%
OCF(TTM)3.29
OCFY11%
SpS8.16
BVpS32.6
TBVpS28.98
PEG (NY)0.19
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
WACC16%
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 Y80.89%
EPS Next 2Y58.22%
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 Year31.18%
Revenue Next 2Y23.51%
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%