Financial Services · Banks - Regional
Price
$40.27
Market Cap
$1.8B
Employees
887
Beta
1.00
Avg Volume
318,629
CEO
Stuart H. Lubow
Business Description
Dime Community Bancshares, Inc. serves as the parent company for Dime Community Bank, which delivers a comprehensive range of commercial banking and financial services. The bank accepts various forms of deposits, including time, savings, and demand accounts, from businesses, individual consumers, and local government entities. Its lending operations encompass a broad spectrum, offering financing for commercial real estate, multi-family properties, and residential mortgages. Additionally, it extends secured and unsecured loans to both commercial and consumer clients, alongside home equity loans and funding for construction and land acquisition. Beyond its core lending activities, the company strategically invests in a diverse portfolio of financial instruments. These include mortgage-backed securities, collateralized mortgage obligations, and other asset-backed securities issued by agencies such as the Federal Home Loan Bank, Fannie Mae, Ginnie Mae, and Freddie Mac. Its holdings also comprise U.S. Treasury securities, bonds from New York state and local municipalities, securities from U.S. government-sponsored enterprises, and corporate bonds. Furthermore, Dime Community Bank provides an array of ancillary financial services. These offerings include certificate of deposit account registry services (CDARS), insured cash sweep programs, merchant credit and debit card processing, automated teller machines (ATMs), cash management solutions, lockbox processing, online banking, remote deposit capture, safe deposit boxes, and individual retirement accounts (IRAs). The bank also facilitates access to investment products and services through an affiliated third-party broker-dealer and provides title insurance brokerage services. As of December 31, 2021, the company maintained 60 branch locations spanning Long Island and the New York City boroughs of Brooklyn, Queens, Manhattan, and the Bronx. Dime Community Bancshares, Inc. was founded in 1910 and its corporate headquarters are situated in Hauppauge, New York.
Business History
Price Overview
Price at report time · Jul 2, 3:36pm (0m ago)
$40.22
Change · Jul 2
-1.06 (-2.57%)
Day Range
$40.03 – $41.53
52-Week Range
$25.63 – $41.62
50-Day MA
$37.63
200-Day MA
$32.83
Volume
145,143.00
Right now · live
loading…
Real-time — the change above is the move since the report (over 0m).
Analyst Price Targets
Low
$36.00
Consensus
$39.50
High
$43.00
(8 analysts)
Share Structure
Outstanding
44,113,491.00
Float
42,290,280.00
Free Float
95.9%
High free float
— 95.9% of shares trade freely, ~4.1% held by insiders/institutions
Very liquid — most shares trade freely. Low insider ownership can mean less management alignment, but makes large position sizing straightforward.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
13.99
Stock Price: $40.27
EPS (Diluted): 2.36
EPS (Diluted): 2.36
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
0.88
Stock Price: $40.27
Total Equity: $1.48B
Shares: 43,052,898
Total Equity: $1.48B
Shares: 43,052,898
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
2.32
Market Cap: $1.78B
Total Debt: $324.90M
Cash: $2.35B
EBITDA: $162.42M
Total Debt: $324.90M
Cash: $2.35B
EBITDA: $162.42M
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
-$687.9M
Market Cap: $1.78B
Total Debt: $324.90M
Cash: $2.35B
Total Debt: $324.90M
Cash: $2.35B
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
56.1%
Gross Profit: $409.90M
Revenue: $730.38M
Revenue: $730.38M
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
21.5%
Operating Income: $156.80M
Revenue: $730.38M
Revenue: $730.38M
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
15.2%
Net Income: $110.68M
Revenue: $730.38M
Revenue: $730.38M
ROE (Profit from shareholder equity)
APINet Income / Total Equity
8.5%
Net Income: $110.68M
Total Equity: $1.48B
Total Equity: $1.48B
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
5.2%
Operating Income: $156.80M
Tax Rate: 29.4%
Equity: $1.48B
Total Debt: $324.90M
Cash: $2.35B
Tax Rate: 29.4%
Equity: $1.48B
Total Debt: $324.90M
Cash: $2.35B
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
0.25
Current Assets: $3.21B
Current Liabilities: $12.84B
Current Liabilities: $12.84B
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
0.22
Short-Term Debt: $0.00
Long-Term Debt: $324.90M
Total Debt: $324.90M
Total Equity: $1.48B
Long-Term Debt: $324.90M
Total Debt: $324.90M
Total Equity: $1.48B
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$16.96
Revenue: $730.38M
Shares: 43,052,898
Shares: 43,052,898
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$34.28
Total Equity: $1.48B
Shares: 43,052,898
Shares: 43,052,898
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$4.24
Operating CF: $186.57M
CapEx: -$4.13M
Shares: 43,052,898
CapEx: -$4.13M
Shares: 43,052,898
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
3.9%
Last Dividend: N/A
Stock Price: $40.27
Stock Price: $40.27
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $110.68M
Net Income: $110.68M
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares DCOM against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jul 2, 2026 3:36pm (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $426.7M | $477.4M | $645.6M | $646.2M | $730.4M |
| Cost of Revenue | $33.2M | $64.7M | $295.6M | $368.2M | $320.5M |
| Gross Profit | $393.5M | $412.6M | $350.0M | $278.0M | $409.9M |
| Operating Expenses | $245.3M | $200.7M | $213.1M | $226.5M | $253.1M |
| Operating Income | $148.2M | $211.9M | $136.9M | $51.4M | $156.8M |
| Net Income | $104.0M | $152.6M | $96.1M | $29.1M | $110.7M |
| EBITDA | $158.6M | $222.1M | $144.3M | $58.3M | $162.4M |
| EPS | $2.45 | $3.73 | $2.29 | $0.55 | $2.36 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jul 2, 2026 3:36pm (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $393.7M | $169.3M | $457.5M | $1.3B | $2.4B |
| Total Current Assets | $2.0B | $1.2B | $1.4B | $1.3B | $3.2B |
| Total Assets | $12.1B | $13.2B | $13.6B | $14.4B | $15.3B |
| Current Liabilities | $10.5B | $10.3B | $10.5B | $11.7B | $12.8B |
| Long-Term Debt | $222.1M | $1.3B | $1.5B | $880.3M | $324.9M |
| Total Liabilities | $10.9B | $12.0B | $12.4B | $13.0B | $13.9B |
| Total Equity | $1.2B | $1.2B | $1.2B | $1.4B | $1.5B |
| Retained Earnings | $654.7M | $762.8M | $813.0M | $794.5M | $854.2M |
Cash Flow (Annual)
Last updated: Jul 2, 2026 3:36pm (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $146.3M | $295.2M | $90.9M | $99.1M | $186.6M |
| Capital Expenditure | $14,000 | -$3.7M | -$5.7M | -$6.3M | -$4.1M |
| Free Cash Flow | $146.3M | $291.4M | $85.2M | $92.8M | $182.4M |
| Acquisitions (net) | $716.0M | $0 | $0 | $0 | $2.0M |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$59.4M | -$46.8M | $-947,000 | $0 | $0 |
| Net Change in Cash | $150.1M | -$224.4M | $288.3M | $826.0M | $1.1B |
Analyst Estimates (Annual)
Last updated: Jul 2, 2026 3:36pm (just now)| Metric | 2024 | 2025 | 2026 | 2027 |
|---|---|---|---|---|
| Revenue |
$334.9M $334.8M – $335.0M
|
$447.5M $446.0M – $449.0M
|
$512.2M $510.6M – $513.9M
|
$578.1M $575.0M – $581.2M
|
| EBITDA |
$92.0M $91.9M – $92.0M
|
$122.9M $122.5M – $123.3M
|
$140.7M $140.2M – $141.1M
|
$158.8M $157.9M – $159.6M
|
| Net Income |
$64.7M $63.4M – $66.0M
|
$109.0M $107.3M – $110.7M
|
$146.2M $144.3M – $147.3M
|
$186.1M $181.7M – $194.5M
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jul 2, 2026 3:36pm (just now)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +11.9% | +35.2% | +0.1% | +13.0% |
| Gross Profit Growth | +4.9% | -15.2% | -20.6% | +47.5% |
| Operating Income Growth | +43.0% | -35.4% | -62.4% | +204.8% |
| Net Income Growth | +46.7% | -37.0% | -69.7% | +280.6% |
| EBITDA Growth | +40.0% | -35.0% | -59.6% | +178.6% |
Insider Trading (Recent)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-06-18 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | S-Sale | 663.00 | $39.02 | $25,870 |
| 2026-06-18 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | S-Sale | 12,003.00 | $39.02 | $468,357 |
| 2026-06-18 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | S-Sale | 13,800.00 | $39.02 | $538,476 |
| 2026-06-18 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | S-Sale | 6,030.00 | $39.02 | $235,291 |
| 2026-06-18 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | S-Sale | 255.00 | $39.02 | $9,950 |
| 2026-06-12 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | S-Sale | 4,636.00 | $40.08 | $185,811 |
| 2026-06-15 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | S-Sale | 1,853.00 | $39.67 | $73,509 |
| 2026-06-15 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | S-Sale | 1,281.00 | $39.67 | $50,817 |
| 2026-06-16 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | S-Sale | 1,238.00 | $39.29 | $48,641 |
| 2026-06-16 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | S-Sale | 1,790.00 | $39.29 | $70,329 |
| 2026-06-12 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | S-Sale | 5,244.00 | $40.08 | $210,180 |
| 2026-06-15 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | S-Sale | 6,963.00 | $39.67 | $276,222 |
| 2026-06-16 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | S-Sale | 6,726.00 | $39.29 | $264,265 |
| 2026-06-12 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | S-Sale | 5,892.00 | $40.08 | $236,151 |
| 2026-06-15 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | S-Sale | 4,288.00 | $39.67 | $170,105 |
| 2026-06-16 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | S-Sale | 4,142.00 | $39.29 | $162,739 |
| 2026-06-12 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | S-Sale | 98.00 | $40.08 | $3,928 |
| 2026-06-15 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | S-Sale | 128.00 | $39.67 | $5,078 |
| 2026-06-16 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | S-Sale | 123.00 | $39.29 | $4,833 |
| 2026-06-09 | SUSKIND DENNIS A | S-Sale | 5,000.00 | $38.75 | $193,750 |
Dividend History (Last 20)
Last updated: Jul 2, 2026 3:36pm (just now)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-07-17 | $0.25 | 2026-06-25 | 2026-07-17 | 2026-07-24 |
| 2026-04-17 | $0.25 | 2026-03-25 | 2026-04-17 | 2026-04-24 |
| 2026-01-16 | $0.25 | 2025-12-16 | 2026-01-16 | 2026-01-23 |
| 2025-10-17 | $0.25 | 2025-09-23 | 2025-10-17 | 2025-10-24 |
| 2025-07-17 | $0.25 | 2025-06-26 | 2025-07-17 | 2025-07-24 |
| 2025-04-17 | $0.25 | 2025-03-27 | 2025-04-17 | 2025-04-24 |
| 2025-01-17 | $0.25 | 2024-12-17 | 2025-01-17 | 2025-01-24 |
| 2024-10-17 | $0.25 | 2024-09-26 | 2024-10-17 | 2024-10-24 |
| 2024-07-17 | $0.25 | 2024-06-20 | 2024-07-17 | 2024-07-24 |
| 2024-04-16 | $0.25 | 2024-03-28 | 2024-04-17 | 2024-04-24 |
| 2024-01-16 | $0.25 | 2023-12-19 | 2024-01-17 | 2024-01-24 |
| 2023-10-16 | $0.25 | 2023-09-28 | 2023-10-17 | 2023-10-24 |
| 2023-07-14 | $0.25 | 2023-06-29 | 2023-07-17 | 2023-07-24 |
| 2023-04-14 | $0.25 | 2023-03-09 | 2023-04-17 | 2023-04-24 |
| 2023-01-13 | $0.24 | 2022-12-20 | 2023-01-17 | 2023-01-24 |
| 2022-10-14 | $0.24 | 2022-09-21 | 2022-10-17 | 2022-10-24 |
| 2022-07-15 | $0.24 | 2022-06-30 | 2022-07-18 | 2022-07-25 |
| 2022-04-14 | $0.24 | 2022-03-31 | 2022-04-18 | 2022-04-25 |
| 2022-01-13 | $0.24 | 2021-12-21 | 2022-01-17 | 2022-01-24 |
| 2021-10-15 | $0.24 | 2021-09-30 | 2021-10-18 | 2021-10-25 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for DCOM — it's generated by the pipeline (
market-narrative step).
No community reviews yet for DCOM.
Be the first — hit How to Contribute, have any AI review this page, and paste its take back here.
My Notes
personal — only you see this
Sign in to save personal notes and rate your interest in this stock.
Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.369 · ed375950 · 2026-07-02 14:37:41