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DIME COMMUNITY BANCSHARES IN (DCOM) Stock Fundamental Analysis

NASDAQ:DCOM - Nasdaq - US25432X1028 - Common Stock - Currency: USD

30.78  -0.21 (-0.68%)

After market: 30.78 0 (0%)

Fundamental Rating

3

Taking everything into account, DCOM scores 3 out of 10 in our fundamental rating. DCOM was compared to 405 industry peers in the Banks industry. Both the profitability and financial health of DCOM have multiple concerns. DCOM has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

DCOM had positive earnings in the past year.
DCOM had a negative operating cash flow in the past year.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M 200M 250M

1.2 Ratios

DCOM has a worse Return On Assets (0.42%) than 77.64% of its industry peers.
With a Return On Equity value of 4.55%, DCOM is not doing good in the industry: 77.14% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.42%
ROE 4.55%
ROIC N/A
ROA(3y)0.84%
ROA(5y)0.84%
ROE(3y)9.14%
ROE(5y)9.11%
ROIC(3y)N/A
ROIC(5y)N/A
DCOM Yearly ROA, ROE, ROICDCOM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

With a Profit Margin value of 16.92%, DCOM is not doing good in the industry: 69.85% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of DCOM has remained more or less at the same level.
DCOM does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 16.92%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.86%
PM growth 5Y-0.82%
GM growth 3YN/A
GM growth 5YN/A
DCOM Yearly Profit, Operating, Gross MarginsDCOM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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1

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M
DCOM Yearly Total Debt VS Total AssetsDCOM Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B 8B 10B

2.2 Solvency

DCOM has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.22, DCOM perfoms like the industry average, outperforming 45.98% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC12.52%
DCOM Yearly LT Debt VS Equity VS FCFDCOM Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 20M 40M 60M 80M 100M

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4

3. Growth

3.1 Past

DCOM shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -35.62%.
DCOM shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -10.35% yearly.
EPS 1Y (TTM)-35.62%
EPS 3Y-8.69%
EPS 5Y-10.35%
EPS Q2Q%7.69%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-34.44%

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 63.84% on average per year.
The Revenue is expected to grow by 25.13% on average over the next years. This is a very strong growth
EPS Next Y92.85%
EPS Next 2Y63.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year34.67%
Revenue Next 2Y25.13%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
DCOM Yearly Revenue VS EstimatesDCOM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M 500M
DCOM Yearly EPS VS EstimatesDCOM Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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4

4. Valuation

4.1 Price/Earnings Ratio

DCOM is valuated rather expensively with a Price/Earnings ratio of 20.52.
DCOM's Price/Earnings ratio is a bit more expensive when compared to the industry. DCOM is more expensive than 78.39% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.42. DCOM is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 10.64, which indicates a very decent valuation of DCOM.
Based on the Price/Forward Earnings ratio, DCOM is valued a bit cheaper than the industry average as 66.08% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of DCOM to the average of the S&P500 Index (24.39), we can say DCOM is valued rather cheaply.
Industry RankSector Rank
PE 20.52
Fwd PE 10.64
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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
DCOM Per share dataDCOM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20

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.
DCOM's earnings are expected to grow with 63.84% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.22
PEG (5Y)N/A
EPS Next 2Y63.84%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

DCOM has a Yearly Dividend Yield of 3.25%.
Compared to an average industry Dividend Yield of 3.19, DCOM pays a bit more dividend than its industry peers.
DCOM's Dividend Yield is a higher than the S&P500 average which is at 2.27.
Industry RankSector Rank
Dividend Yield 3.25%

5.2 History

The dividend of DCOM has a limited annual growth rate of 1.43%.
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)1.43%
Div Incr Years2
Div Non Decr Years3
DCOM Yearly Dividends per shareDCOM Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

DCOM pays out 78.39% of its income as dividend. This is not a sustainable payout ratio.
The dividend of DCOM is growing, but earnings are growing more, so the dividend growth is sustainable.
DP78.39%
EPS Next 2Y63.84%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M 200M 250M
DCOM Dividend Payout.DCOM Dividend Payout, showing the Payout Ratio.DCOM Dividend Payout.PayoutRetained Earnings

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DIME COMMUNITY BANCSHARES IN

NASDAQ:DCOM (1/28/2025, 8:00:01 PM)

After market: 30.78 0 (0%)

30.78

-0.21 (-0.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23 2025-01-23/bmo
Earnings (Next)N/A N/A
Inst Owners78.43%
Inst Owner Change-0.08%
Ins Owners4.06%
Ins Owner Change-0.02%
Market Cap1.33B
Analysts83.64
Price Target41.21 (33.89%)
Short Float %6.02%
Short Ratio7.06
Dividend
Industry RankSector Rank
Dividend Yield 3.25%
Yearly Dividend1.15
Dividend Growth(5Y)1.43%
DP78.39%
Div Incr Years2
Div Non Decr Years3
Ex-Date01-17 2025-01-17 (0.25)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-17.67%
Min EPS beat(2)-30.99%
Max EPS beat(2)-4.34%
EPS beat(4)1
Avg EPS beat(4)-10.78%
Min EPS beat(4)-30.99%
Max EPS beat(4)10.51%
EPS beat(8)3
Avg EPS beat(8)-7.74%
EPS beat(12)5
Avg EPS beat(12)-4.63%
EPS beat(16)6
Avg EPS beat(16)-17.72%
Revenue beat(2)2
Avg Revenue beat(2)0.52%
Min Revenue beat(2)0.27%
Max Revenue beat(2)0.78%
Revenue beat(4)2
Avg Revenue beat(4)-0.92%
Min Revenue beat(4)-3.17%
Max Revenue beat(4)0.78%
Revenue beat(8)3
Avg Revenue beat(8)-2.47%
Revenue beat(12)7
Avg Revenue beat(12)1.4%
Revenue beat(16)10
Avg Revenue beat(16)6.61%
PT rev (1m)3.06%
PT rev (3m)26.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-8.08%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)9.88%
Revenue NY rev (1m)1.15%
Revenue NY rev (3m)2.9%
Valuation
Industry RankSector Rank
PE 20.52
Fwd PE 10.64
P/S 3.9
P/FCF N/A
P/OCF N/A
P/B 1.05
P/tB 1.2
EV/EBITDA N/A
EPS(TTM)1.5
EY4.87%
EPS(NY)2.89
Fwd EY9.4%
FCF(TTM)-0.83
FCFYN/A
OCF(TTM)-0.7
OCFYN/A
SpS7.89
BVpS29.35
TBVpS25.64
PEG (NY)0.22
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.42%
ROE 4.55%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 16.92%
GM N/A
FCFM N/A
ROA(3y)0.84%
ROA(5y)0.84%
ROE(3y)9.14%
ROE(5y)9.11%
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 3Y2.86%
PM growth 5Y-0.82%
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 464.01%
Cap/Sales 1.68%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score2
WACC12.52%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)151.15%
Profit Quality(5y)137.57%
High Growth Momentum
Growth
EPS 1Y (TTM)-35.62%
EPS 3Y-8.69%
EPS 5Y-10.35%
EPS Q2Q%7.69%
EPS Next Y92.85%
EPS Next 2Y63.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-34.44%
Revenue Next Year34.67%
Revenue Next 2Y25.13%
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-115.34%
FCF growth 3Y26.31%
FCF growth 5Y9.92%
OCF growth 1Y-112.79%
OCF growth 3Y24.24%
OCF growth 5Y9.25%