DCOM Stock Analysis: Dime Community Bancshares | NYSE

Commercial Lending, Mortgage Loans, Deposit Accounts, Cash Management

Total Rating 44

Safety 33

Buy Signal -0.92

Banks - Regional
Industry Rotation: +6.1

Market Cap: 1.79B
Avg Turnover: 11.2M

Risk 3d forecast

Volatility20.8%

VaR 5^th Pctl3.38%

VaR vs Median-1.15%

Reward TTM

Sharpe Ratio1.14

Rel. Str. IBD75.4

Rel. Str. Peer Group75.3

Character TTM

Beta0.645

Beta Downside0.584

Hurst Exponent0.553

Drawdowns 3y

Max DD35.99%

CAGR/Max DD0.88

CAGR/Mean DD2.29

EPS (Earnings per Share)

EPS CAGR: 5.73%
EPS Trend: 18.1%

Last SUE: 0.50
Qual. Beats: 0

Revenue

Rev. CAGR: 5.59%
Rev. Trend: 79.4%

Last SUE: 0.60
Qual. Beats: 0

Warnings

Fakeout

Below Avwap Earnings

Tailwinds

No distinct edge detected

Seasonality 11.7 years of data

Jan -1.3% 39

Feb -1.9% 30

Mar -0.8% 5

Apr +0.1% 5

May -2.0% 18

Jun +2.3% 21

Jul +0.9% 19

Aug -1.3% 5

Sep -3.9% 35

Oct +3.4% 16

Nov +5.8% 40

Dec -0.3% 0

How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.

Description: DCOM Dime Community Bancshares

Dime Commercial Bancshares, Inc. (DCOM) operates as the bank holding company for Dime Community Bank, providing commercial banking and financial services. As a regional bank headquartered in Hauppauge, New York, it primarily serves businesses, consumers, and local municipalities in the New York metropolitan market, where multi-family and commercial real estate lending have historically been core competencies for community banks in the region.

The company funds its lending activities through time, savings, and demand deposits and generates interest income from a diversified loan portfolio that includes commercial real estate loans, multi-family mortgage loans, residential mortgage loans, construction and land loans, home equity loans, lines of credit, letters of credit, and secured and unsecured commercial and consumer loans.

On the investment side, Dime holds mortgage-backed securities issued by the Federal Home Loan Bank, Federal National Mortgage Association, Government National Mortgage Association, and Federal Home Loan Mortgage Corporation, along with collateralized mortgage obligations, other asset-backed securities, U.S. Treasury securities, U.S. government-sponsored enterprise securities, New York state and local municipal obligations, and corporate bonds.

Beyond traditional banking, the company offers certificate of deposit account registry services (CDARS), insured cash sweep programs, merchant credit and debit card processing, ATMs, cash management services, lockbox processing, online banking, remote deposit capture, safe deposit boxes, individual retirement accounts, investment products through a third-party broker-dealer, and title insurance broker services targeted at small and medium-sized businesses, municipal, and consumer relationships.

The company was founded in 1910 and was previously known as Dime Community Bancshares, Inc., with the description indicating a name change to Dime Commercial Bancshares, Inc. in May 2026.

Headlines to Watch Out For

Net interest margin compresses on rising deposit costs
Commercial real estate loan concentration pressures credit quality
Securities portfolio losses widen with prolonged rate volatility

Piotroski VR-10 (Strict) 3.0

Net Income: 128.9m TTM > 0 and > 6% of Revenue
FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.34 > 1.0
NWC/Revenue: -1.24k% < 20% (prev -1.67k%; Δ 429.7% < -1%)
CFO/TA 0.01 > 3% & CFO 202.1m > Net Income 128.9m
Net Debt (-2.38b) to EBITDA (190.6m): -12.49 < 3
Current Ratio: 0.28 > 1.5 & < 3
Outstanding Shares: last quarter (44.0m) vs 12m ago 2.23% < -2%
Gross Margin: 58.47% > 18% (prev 48.03%; Δ 10.44% > 0.5%)
Asset Turnover: 5.14% > 50% (prev 4.60%; Δ 0.54% > 0%)
Interest Coverage Ratio: 0.70 > 6 (EBIT TTM 184.3m / Interest Expense TTM 261.6m)

Altman Z'' -3.67

A: -0.62 (Total Current Assets 3.67b - Total Current Liabilities 13.0b) / Total Assets 15.0b
B: 0.06 (Retained Earnings 898.1m / Total Assets 15.0b)
C: 0.01 (EBIT TTM 184.3m / Avg Total Assets 14.6b)
D: 0.11 (Book Value of Equity 1.52b / Total Liabilities 13.5b)
Altman-Z'' = -3.67 = D

Beneish M -2.37

DSRI: 1.99 (Receivables 126.8m/55.4m, Revenue 751.0m/654.1m)
GMI: 0.82 (GM 48.03% / 58.47%)
AQI: 0.83 (AQ_t 0.75 / AQ_t-1 0.91)
SGI: 1.15 (Revenue 751.0m / 654.1m)
TATA: -0.00 (NI 128.9m - CFO 202.1m) / TA 15.0b)
Beneish M = -2.37 (Cap -4..+1) = BBB

What is the price of DCOM shares?

As of September 27, 2026, the stock is trading at USD 40.37 with a total of 257,258 shares traded. Over the past week, the price has changed by -0.88%, over one month by -0.05%, over three months by +1.62% and over the past year by +37.86%.

Current recommended Stop Loss: 39.10 (which is 3.1% or 1.7 ATR below the current price).

Is DCOM a buy, sell or hold?

Dime Community Bancshares has received a consensus analysts rating of 4.60. Therefore, it is recommended to buy DCOM.

StrongBuy: 3
Buy: 2
Hold: 0
Sell: 0
StrongSell: 0

What are the forecasts/targets for the DCOM price?

Analysts Target Price	45.8	13.5%

Dime Community Bancshares (DCOM) - Fundamental Data Overview as of 24 September 2026

Market Cap USD = 1.79b (1.79b USD * 1.0 USD.USD)
P/E Trailing = 14.7956
P/E Forward = 12.8041
P/S = 4.077
P/B = 1.2861
P/EG = 3.7579
Revenue TTM = 751.0m USD
EBIT TTM = 184.3m USD
EBITDA TTM = 190.6m USD
Long Term Debt = 780.5m USD (from longTermDebt, last fiscal year)
Short Term Debt = 332.6m USD (from shortTermDebt, last quarter)
Debt = 1.16b USD (corrected: LT Debt 780.5m + ST Debt 332.6m) + Leases 42.4m
Net Debt = -2.38b USD (calculated: Debt 1.16b - CCE 3.54b)
Enterprise Value = 1.79b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.70 (Ebit TTM 184.3m / Interest Expense TTM 261.6m)
EV/FCF = 9.06x (Enterprise Value 1.79b / FCF TTM 197.6m)
FCF Yield = 11.04% (FCF TTM 197.6m / Enterprise Value 1.79b)
FCF Margin = 26.32% (FCF TTM 197.6m / Revenue TTM 751.0m)
Net Margin = 17.17% (Net Income TTM 128.9m / Revenue TTM 751.0m)
Gross Margin = 58.47% ((Revenue TTM 751.0m - Cost of Revenue TTM 311.9m) / Revenue TTM)
Gross Margin QoQ = 60.36% (prev 60.24%)
Tobins Q-Ratio = 0.12 (Enterprise Value 1.79b / Total Assets 15.0b)
Interest Expense / Debt = 22.64% (Interest Expense 261.6m / Debt 1.16b)
Taxrate = 30.06% (55.4m / 184.3m)
NOPAT = 128.9m (EBIT 184.3m * (1 - 30.06%))
Current Ratio = 0.28 (Total Current Assets 3.67b / Total Current Liabilities 13.0b)
Debt / Equity = 0.76 (Debt 1.16b / totalStockholderEquity, last quarter 1.52b)
Debt / EBITDA = -12.49 (Net Debt -2.38b / EBITDA 190.6m)
Debt / FCF = -12.05 (Net Debt -2.38b / FCF TTM 197.6m)
Total Stockholder Equity = 1.49b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.88% (Net Income 128.9m / Total Assets 15.0b)
RoE = 8.67% (Net Income TTM 128.9m / Total Stockholder Equity 1.49b)
RoCE = 8.13% (EBIT 184.3m / Capital Employed (Equity 1.49b + L.T.Debt 780.5m))
RoIC = 0.86% (NOPAT 128.9m / Invested Capital 15.0b)
WACC = 11.22% (E(1.79b)/V(2.95b) * Re(8.25%) + D(1.16b)/V(2.95b) * Rd(22.64%) * (1-Tc(0.30)))
Discount Rate = 8.25% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 89.04 | Cagr: 5.85%
[DCF] Terminal Value 69.26% ; FCFF base≈174.0m ; Y1≈199.5m ; Y5≈293.6m
[DCF] Fair Price = 120.2 (EV 2.93b - Net Debt -2.38b = Equity 5.31b / Shares 44.2m; r=11.22% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 18.12 | EPS CAGR: 5.73% | SUE: 0.50 | # QB: 0
Revenue Correlation: 79.37 | Revenue CAGR: 5.59% | SUE: 0.60 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.88 | Chg30d=-1.07% | Revisions=-17% | Analysts=4
EPS current Year (2026-12-31): EPS=3.38 | Chg30d=-0.12% | Revisions=-17% | GrowthEPS=+30.5% | GrowthRev=+14.4%
EPS next Year (2027-12-31): EPS=4.35 | Chg30d=+0.74% | Revisions=+17% | GrowthEPS=+28.8% | GrowthRev=+10.4%
[Analyst] Revisions Ratio: -8% (up=4, down=5)