Dime Community Bancshares, Inc.
- Open
- 38.98
- Day high
- 39.83
- Day low
- 38.97
- Prev close
- 38.75
- Volume
- 287K
- Mkt cap
- $1.8B
- P/E (TTM)
- 14.9
- EPS (TTM)
- $2.67
- P/B
- 1.2
- P/S
- 2.4
- Yield
- 2.52%
- Per share
- $1.00
- ▼Insiders net selling -$3.3M over the last 3 months (0 open-market buys, 21 sales)
- 🏛Institutions mixed (13F)
Dime Community Bancshares, Inc. (DCOM) is a Financial Services company listed on NASDAQ. The stock is up 35% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 21 sales (SEC Form 4). Drillr has 1 published research article covering DCOM.
Dime Community Bancshares, Inc. (DCOM) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 2 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
DCOM earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 23, 2026 | $0.77 | $0.74 | -3.9% | $185M | +51.0% |
| Jan 21, 2026 | $0.70 | $0.79 | +12.9% | $124M | +3.1% |
| Oct 23, 2025 | $0.69 | $0.61 | -11.1% | $116M | +2.4% |
| Jul 24, 2025 | $0.63 | $0.64 | +1.6% | $110M | +0.7% |
| Apr 22, 2025 | $0.55 | $0.57 | +3.6% | $104M | -4.9% |
| Jan 23, 2025 | $0.44 | $0.42 | -4.5% | $132M | +27.1% |
| Oct 22, 2024 | $0.41 | $0.29 | -29.3% | $88M | +3.1% |
| Jul 23, 2024 | $0.38 | $0.37 | -2.6% | $87M | +18.9% |
| Jan 26, 2024 | $0.47 | $0.39 | -17.0% | $83M | +12.5% |
| Oct 19, 2023 | $0.55 | $0.56 | +1.8% | $84M | +8.7% |
| Jul 28, 2023 | $0.60 | $0.68 | +13.3% | $91M | +12.6% |
| Apr 28, 2023 | $0.82 | $0.92 | +12.2% | $95M | -1.0% |
DCOM insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jul 6, 2026 | Perry Josephdirector | Grant | 84 | $40.65 |
| Jul 6, 2026 | Germano Judith Hdirector | Grant | 439 | $40.65 |
| Jun 23, 2026 | BASSWOOD CAPITAL MANAGEMENT, L.L.C.director, other: Director-by-Deputization | Sell | 255 | $39.02 |
| Jun 23, 2026 | BASSWOOD CAPITAL MANAGEMENT, L.L.C.director, other: Director-by-Deputization | Sell | 6,030 | $39.02 |
| Jun 23, 2026 | BASSWOOD CAPITAL MANAGEMENT, L.L.C.director, other: Director-by-Deputization | Sell | 13,800 | $39.02 |
| Jun 23, 2026 | BASSWOOD CAPITAL MANAGEMENT, L.L.C.director, other: Director-by-Deputization | Sell | 663 | $39.02 |
| Jun 23, 2026 | BASSWOOD CAPITAL MANAGEMENT, L.L.C.director, other: Director-by-Deputization | Sell | 12,003 | $39.02 |
| Jun 16, 2026 | BASSWOOD CAPITAL MANAGEMENT, L.L.C.director, other: Director-by-Deputization | Sell | 5,892 | $40.08 |
| Jun 16, 2026 | BASSWOOD CAPITAL MANAGEMENT, L.L.C.director, other: Director-by-Deputization | Sell | 4,142 | $39.29 |
| Jun 16, 2026 | BASSWOOD CAPITAL MANAGEMENT, L.L.C.director, other: Director-by-Deputization | Sell | 5,244 | $40.08 |
| Jun 16, 2026 | BASSWOOD CAPITAL MANAGEMENT, L.L.C.director, other: Director-by-Deputization | Sell | 4,636 | $40.08 |
| Jun 16, 2026 | BASSWOOD CAPITAL MANAGEMENT, L.L.C.director, other: Director-by-Deputization | Sell | 6,963 | $39.67 |
| Jun 16, 2026 | BASSWOOD CAPITAL MANAGEMENT, L.L.C.director, other: Director-by-Deputization | Sell | 1,238 | $39.29 |
| Jun 16, 2026 | BASSWOOD CAPITAL MANAGEMENT, L.L.C.director, other: Director-by-Deputization | Sell | 128 | $39.67 |
| Jun 16, 2026 | BASSWOOD CAPITAL MANAGEMENT, L.L.C.director, other: Director-by-Deputization | Sell | 6,726 | $39.29 |
Source: DCOM SEC Form 4 filings, latest Jul 6, 2026. For informational purposes only — not investment advice.
See the full DCOM insider & 13F page →Dime Community Bancshares, Inc. company profile
Overview
Dime Community Bancshares, Inc. (NASDAQ:DCOM) is a regional banking holding company founded in 1910 and headquartered in Hauppauge, New York. The company operates through its primary subsidiary, Dime Community Bank, which provides commercial banking and financial services throughout Long Island and the New York City boroughs of Brooklyn, Queens, Manhattan, and the Bronx. With over a century of banking experience, Dime has evolved from a traditional community bank into a business-focused regional institution, operating 60 branch locations and managing approximately $14.4 billion in total assets as of December 2024.
Business
Dime Community Bancshares operates as a regional commercial bank serving businesses, consumers, and municipalities primarily in the New York metropolitan area. The banking industry involves accepting deposits from customers and lending those funds to borrowers, earning profit from the difference between interest paid on deposits and interest earned on loans (known as net interest margin). The company's core services include traditional banking products such as checking and savings accounts, certificates of deposit, and various loan products. On the lending side, Dime specializes in several key areas: commercial real estate loans (including multifamily properties), business and commercial & industrial (C&I) loans, residential mortgages, and construction financing. The bank also offers treasury management services, cash management solutions, online banking, and investment products through third-party partnerships. Dime has been strategically repositioning itself from a traditional multifamily-focused lender to a more diversified business bank. The company has developed specialized lending verticals including healthcare lending and not-for-profit lending, while actively reducing its concentration in commercial real estate from historical highs. As of 2024, commercial real estate represents approximately 45% of the loan portfolio, which management aims to reduce to the low 40s percentage range. Business loans have grown to represent over 21% of the total loan portfolio, with a target of reaching 30% as part of the bank's diversification strategy.
Revenue model
Dime Community Bancshares generates revenue primarily through net interest income - the difference between interest earned on loans and investments and interest paid on deposits and borrowings. This traditional banking model depends on maintaining a positive spread between the cost of funds (deposits and wholesale borrowings) and the yield on earning assets (loans and securities). The bank's customers include small to medium-sized businesses, commercial real estate investors, healthcare organizations, not-for-profit entities, and individual consumers throughout the New York metropolitan area. Revenue also comes from fee-based services including treasury management, cash management, merchant processing, and other banking services, though these represent a smaller portion of total income compared to net interest income. Several factors significantly impact Dime's profitability margins. Interest rate environment is the primary driver - rising rates generally benefit banks as loan yields increase faster than deposit costs, while falling rates can compress margins. The bank's deposit mix is crucial, with approximately 40% of deposits being non-interest-bearing, providing a low-cost funding advantage. Competition for deposits in the New York market can drive up funding costs, particularly during periods of monetary tightening. Credit quality affects margins through loan loss provisions - deteriorating economic conditions or specific sector stress (particularly in commercial real estate) can require higher reserves. The bank's loan portfolio composition also matters, as business loans typically carry higher yields than residential mortgages but may have higher credit risk. Finally, regulatory capital requirements can limit growth and returns, particularly for smaller regional banks facing increased scrutiny.
Competitive moat
Dime Community Bancshares operates in the highly competitive regional banking sector with limited sustainable competitive advantages. The company's primary moat comes from its established relationships and local market knowledge in the New York metropolitan area, particularly in Long Island and the outer boroughs. After over a century of operations, Dime has developed deep ties with local businesses, real estate professionals, and community organizations that can be difficult for outside competitors to replicate quickly. The bank has strengthened its competitive position by recruiting experienced banking teams, particularly former Signature Bank professionals following that institution's failure in 2023. These teams brought established client relationships and specialized expertise, providing Dime with enhanced deposit-gathering capabilities and industry knowledge in key verticals like healthcare lending. However, Dime's moat is relatively narrow. The banking industry faces intense competition from larger regional and national banks with superior technology platforms, broader product offerings, and greater lending capacity. Fintech disruption continues to threaten traditional banking relationships, particularly in payments and consumer banking. Regulatory advantages are minimal, as community banks face proportionally higher compliance costs than larger institutions. The company's scale limitations restrict its ability to compete for larger commercial relationships and invest in cutting-edge technology platforms. The bank's concentration in the New York market, while providing local expertise, also creates vulnerability to regional economic downturns and regulatory changes. Additionally, Dime's historical focus on commercial real estate lending exposes it to sector-specific risks and regulatory scrutiny regarding CRE concentrations. The company's ongoing strategic pivot toward business banking and portfolio diversification represents an attempt to strengthen its competitive position, but success depends on execution in an increasingly crowded market.
Risks & safety
Dime Community Bancshares presents a moderate margin of safety profile with mixed financial health indicators. **Liquidity and Solvency:** • Strong cash position of $1.28 billion as of Q4 2024 • Healthy loan-to-deposit ratio below 95% • Positive operating cash flow of $99 million for 2024 • Total assets of $14.4 billion with manageable debt levels **Capital Adequacy:** • Common Equity Tier 1 ratio exceeds 11% (well above regulatory minimums) • Total capital ratio exceeds 15.5% • Recent $136 million equity raise strengthened capital base • Debt-to-equity ratio of 0.70 **Valuation Concerns:** • Trading below book value (P/B ratio of 0.90) • High P/E ratio of 41x due to recent earnings volatility • Negative Q4 2024 net income of -$20.4 million raises profitability concerns • Full-year 2024 ROE of only 2.1% **Credit and Operational Risks:** • Loan loss reserves increased to 82 basis points • CRE concentration at 45% creates sector risk exposure • Net interest margin of 2.79% remains below historical norms • Expense management challenges with new team hiring costs
Recent development
Over the past few years, Dime Community Bancshares has undergone a significant strategic transformation focused on diversifying away from its traditional multifamily lending concentration toward becoming a comprehensive business bank. The most notable development was the recruitment of multiple banking teams from Signature Bank following that institution's failure in 2023, bringing experienced deposit-gathering professionals and established client relationships. The company has aggressively expanded its business lending capabilities, growing the business loan portfolio by $400 million in 2024 alone and targeting growth from 21% to 30% of total loans. Management established specialized lending verticals including healthcare lending and not-for-profit lending, with the healthcare vertical alone building a $150 million pipeline. The bank has also invested heavily in technology infrastructure and treasury management systems to better serve commercial clients. Deposit strategy has been equally transformative, with core deposits growing by $1.8 billion through the recruitment of experienced banking teams. The bank opened over 11,000 new accounts and 7,000 customer relationships while maintaining approximately 40% of deposits in non-interest-bearing accounts. This growth allowed Dime to reduce wholesale borrowings and brokered deposits by $1.2 billion, improving funding stability. Geographic expansion efforts include entering Westchester County and strengthening presence throughout the New York metropolitan area. The company raised $136 million in new equity capital to support growth initiatives and received an outstanding Community Reinvestment Act rating. Management has also focused on expense discipline while investing in revenue-producing talent, targeting operational efficiency improvements across the organization.
DCOM company profile · for informational purposes only — not investment advice.
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