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DIME COMMUNITY BANCSHARES IN (DCOM) Stock Fundamental Analysis

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

26.02  +0.21 (+0.81%)

After market: 26.02 0 (0%)

Fundamental Rating

3

Overall DCOM gets a fundamental rating of 3 out of 10. We evaluated DCOM against 398 industry peers in the Banks industry. DCOM has a bad profitability rating. Also its financial health evaluation is rather negative. DCOM is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

DCOM had positive earnings in the past year.
In the past year DCOM had a positive cash flow from operations.
Each year in the past 5 years DCOM has been profitable.
DCOM had a positive operating cash flow in each of the past 5 years.
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 2024 50M 100M 150M 200M 250M

1.2 Ratios

DCOM's Return On Assets of 0.15% is on the low side compared to the rest of the industry. DCOM is outperformed by 88.19% of its industry peers.
Looking at the Return On Equity, with a value of 1.53%, DCOM is doing worse than 87.94% of the companies in the same industry.
Industry RankSector Rank
ROA 0.15%
ROE 1.53%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With a Profit Margin value of 6.82%, DCOM is not doing good in the industry: 86.68% of the companies in the same industry are doing better.
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) 6.82%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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.
DCOM has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, DCOM has more shares outstanding
DCOM has a worse debt/assets ratio than last year.
DCOM Yearly Shares OutstandingDCOM Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B

2.2 Solvency

DCOM has a debt to FCF ratio of 3.47. This is a good value and a sign of high solvency as DCOM would need 3.47 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.47, DCOM is doing worse than 62.06% of the companies in the same industry.
DCOM has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
DCOM has a Debt to Equity ratio (0.23) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 3.47
Altman-Z N/A
ROIC/WACCN/A
WACC16.58%
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 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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6

3. Growth

3.1 Past

DCOM shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.84%.
DCOM shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -10.35% yearly.
DCOM shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.96%.
DCOM shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.39% yearly.
EPS 1Y (TTM)-9.84%
EPS 3Y-8.69%
EPS 5Y-10.35%
EPS Q2Q%35.71%
Revenue 1Y (TTM)-10.96%
Revenue growth 3Y-7.72%
Revenue growth 5Y13.39%
Sales Q2Q%45.18%

3.2 Future

The Earnings Per Share is expected to grow by 63.10% on average over the next years. This is a very strong growth
Based on estimates for the next years, DCOM will show a very strong growth in Revenue. The Revenue will grow by 25.23% on average per year.
EPS Next Y89.8%
EPS Next 2Y63.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year35.51%
Revenue Next 2Y25.23%
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.
When comparing the Revenue 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M
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

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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 15.77, which indicates a correct valuation of DCOM.
Based on the Price/Earnings ratio, DCOM is valued a bit more expensive than 71.86% of the companies in the same industry.
When comparing the Price/Earnings ratio of DCOM to the average of the S&P500 Index (28.92), we can say DCOM is valued slightly cheaper.
The Price/Forward Earnings ratio is 6.52, which indicates a rather cheap valuation of DCOM.
Based on the Price/Forward Earnings ratio, DCOM is valued cheaper than 91.96% of the companies in the same industry.
DCOM's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.65.
Industry RankSector Rank
PE 15.77
Fwd PE 6.52
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

DCOM's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 12.24
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.
A more expensive valuation may be justified as DCOM's earnings are expected to grow with 63.10% in the coming years.
PEG (NY)0.18
PEG (5Y)N/A
EPS Next 2Y63.1%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

DCOM has a Yearly Dividend Yield of 3.87%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.63, DCOM pays a bit more dividend than its industry peers.
DCOM's Dividend Yield is rather good when compared to the S&P500 average which is at 2.51.
Industry RankSector Rank
Dividend Yield 3.87%

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
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 211.58% 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.
DP211.58%
EPS Next 2Y63.1%
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 2024 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 (4/24/2025, 8:02:59 PM)

After market: 26.02 0 (0%)

26.02

+0.21 (+0.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22 2025-04-22/bmo
Earnings (Next)07-21 2025-07-21/bmo
Inst Owners86.93%
Inst Owner Change0.25%
Ins Owners3.3%
Ins Owner Change-0.17%
Market Cap1.14B
Analysts85.45
Price Target36.41 (39.93%)
Short Float %4.79%
Short Ratio6.88
Dividend
Industry RankSector Rank
Dividend Yield 3.87%
Yearly Dividend1.1
Dividend Growth(5Y)3.41%
DP211.58%
Div Incr Years2
Div Non Decr Years3
Ex-Date04-17 2025-04-17 (0.25)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-19.33%
Min EPS beat(2)-30.99%
Max EPS beat(2)-7.68%
EPS beat(4)1
Avg EPS beat(4)-8.12%
Min EPS beat(4)-30.99%
Max EPS beat(4)10.51%
EPS beat(8)3
Avg EPS beat(8)-8.37%
EPS beat(12)5
Avg EPS beat(12)-4.8%
EPS beat(16)6
Avg EPS beat(16)-17.14%
Revenue beat(2)1
Avg Revenue beat(2)-22.86%
Min Revenue beat(2)-45.99%
Max Revenue beat(2)0.27%
Revenue beat(4)2
Avg Revenue beat(4)-12.03%
Min Revenue beat(4)-45.99%
Max Revenue beat(4)0.78%
Revenue beat(8)2
Avg Revenue beat(8)-8.43%
Revenue beat(12)6
Avg Revenue beat(12)-3.05%
Revenue beat(16)9
Avg Revenue beat(16)2.87%
PT rev (1m)-1.95%
PT rev (3m)-0.5%
EPS NQ rev (1m)-4.26%
EPS NQ rev (3m)5.77%
EPS NY rev (1m)-1.58%
EPS NY rev (3m)0.91%
Revenue NQ rev (1m)1.98%
Revenue NQ rev (3m)5.29%
Revenue NY rev (1m)1.9%
Revenue NY rev (3m)1%
Valuation
Industry RankSector Rank
PE 15.77
Fwd PE 6.52
P/S 3.62
P/FCF 12.24
P/OCF 11.47
P/B 0.81
P/tB 0.92
EV/EBITDA N/A
EPS(TTM)1.65
EY6.34%
EPS(NY)3.99
Fwd EY15.33%
FCF(TTM)2.13
FCFY8.17%
OCF(TTM)2.27
OCFY8.72%
SpS7.19
BVpS31.99
TBVpS28.33
PEG (NY)0.18
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.15%
ROE 1.53%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 6.82%
GM N/A
FCFM 29.54%
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-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 3.47
Debt/EBITDA N/A
Cap/Depr 538.09%
Cap/Sales 1.99%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 433.21%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC16.58%
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)-9.84%
EPS 3Y-8.69%
EPS 5Y-10.35%
EPS Q2Q%35.71%
EPS Next Y89.8%
EPS Next 2Y63.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-10.96%
Revenue growth 3Y-7.72%
Revenue growth 5Y13.39%
Sales Q2Q%45.18%
Revenue Next Year35.51%
Revenue Next 2Y25.23%
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 1Y8.98%
FCF growth 3Y-14.08%
FCF growth 5Y6.84%
OCF growth 1Y9%
OCF growth 3Y-12.2%
OCF growth 5Y7.2%