Dime Community Bancshares, Inc. DCBG

FinancialsBanking ServicesUnited States of America

Last close 26.24 USD on Nov 1, 2026, +7.0% year to date

Quant rating

Quant rating C Rank 341 of 799 in Financials

Growth B 247 of 799
Valuation B 256 of 799
Quality C 453 of 799
Revisions B 238 of 799
Momentum C 516 of 799

Wall Street consensus Buy (2.00)Average target 47.80 USD +82.2%

Historical valuation

Multiples use consensus estimates for the next twelve months. The dashed line is the 5-year average.

Key data

Market cap: 1.8B
Enterprise value: −26M
52-week range: 25.21 – 26.97
3-year range: 25.04 – 27.48
Dividend yield: 8.59%
Beta (5 years): –
Shares outstanding: 43.7M
Next earnings: Jan 19, 2027

About the company

Dime Commercial Bancshares, Inc., formerly Dime Community Bancshares, Inc. is a holding company for Dime Commercial Bank (the Bank), a New York State-charted trust company. The Bank provides commercial banking, treasury management, and personal banking services. Its personal banking services include checking accounts, homes and properties, certificates of deposit (CDs), money market and wealth management. Its checking accounts include Debit Mastercard and order checks. Its homes and properties include personal mortgages, title insurance and mortgage calculators. Its treasury management includes online banking, payable solutions, receivable solutions, fraud prevention, liquidity solutions and escrow services. It offers a range of Certificates of Deposit (CDs) tailored to meet customer's savings goals. Its online banking solutions include payables solutions, receivables solutions, fraud prevention and liquidity solutions.

Growth and profitability fiscal year ends December 31

Growth and profitability by fiscal year
	2025	2024	2023	2022	2021	5Y avg
Revenue (mil)	685	650	609	439	385	–
Revenue growth	5.4%	6.7%	38.7%	14.2%	108.8%	30.1%
EPS (basic, normalized)	2.54	0.49	2.48	3.78	3.42	–
EPS growth	420.6%	−80.3%	−34.4%	10.5%	25.3%	−1.4%
Gross margin	–	–	–	–	–	–
Net margin	14.8%	3.3%	14.4%	32.7%	24.8%	18.0%
ROE	7.9%	4.4%	7.9%	13.1%	9.0%	8.5%

Balance sheet, last quarter
Cash & short-term investments (mil)	–
Tier 1 risk-adjusted capital ratio	–
Long-term debt (mil)	231
Net debt (mil)	–
Total equity (mil)	1,523
Net debt / equity	–

Estimates and valuation

Consensus estimates and implied multiples
	Sales (mil)			Book value per share			EPS
Fiscal year	Mean est.	Growth	EV/Sales	Mean est.	Growth	P/B	Mean est.	Growth	P/E
2025 actual	685	+5.4%	−0.0x	30.99	+4.1%	0.8x	2.59	+77.4%	10.1x
2026	480	−30.0%	−0.1x	32.89	+6.1%	0.8x	3.40	+31.2%	7.7x
2027	549	+14.3%	−0.0x	36.20	+10.1%	0.7x	4.39	+29.0%	6.0x
2028	598	+8.9%	−0.0x	39.39	+8.8%	0.7x	5.22	+18.9%	5.0x

Estimate revisions

Change in consensus estimates over 1, 3 and 6 months
	Sales				EPS
Fiscal year	Estimate (mil)	1M	3M	6M	Estimate	1M	3M	6M
2026	480	+2.4%	+2.6%	−3.9%	3.40	+1.6%	+2.4%	+1.4%
2027	549	+5.6%	+5.3%	−3.0%	4.39	+1.4%	+1.0%	+0.4%
2028	598	+10.0%	–	–	5.22	+12.9%	–	–

Earnings surprises EPS beat in 1 of the last 4 quarters

Reported results versus consensus, last 10 fiscal quarters
Quarter ended	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales reported (mil)	71.5	75.5	79.9	48.6	94.2	101	103	112	112	115
Sales mean (mil)	72.4	73.4	78.1	88.2	98.4	97.1	104	111	116	117
Surprise	−1.2%	+2.8%	+2.3%	−44.9%	−4.3%	+3.6%	−0.5%	+1.4%	−3.3%	−1.8%
EPS reported	0.42	0.37	0.29	0.42	0.57	0.64	0.61	0.79	0.74	0.79
EPS mean	0.37	0.38	0.41	0.45	0.58	0.63	0.69	0.71	0.77	0.79
Surprise	+12.7%	−2.4%	−29.6%	−5.8%	−0.9%	+2.2%	−11.0%	+10.8%	−3.7%	−0.4%

Peer comparison Banking Services

Peers in the same industry group, by market capitalization
Company	Market cap	Tier 1 ratio	Net margin	Deposits/loans	FY1 P/E	FY2 P/E	FY1 P/B	FY2 P/B
DCBG Dime Community Bancshares, Inc.	1.8B	–	14.8%	1.20x	7.7x	6.0x	0.8x	0.7x
GABC German American Bancorp Inc	1.8B	14.6%	26.8%	1.21x	12.6x	11.9x	1.5x	1.4x
DCOM Dime Community Bancshares, Inc.	1.8B	14.8%	14.8%	1.20x	12.5x	9.7x	1.3x	1.2x
ILPMY Permanent TSB Group Holdings PLC	1.8B	–	8.1%	1.16x	12.0x	10.4x	0.7x	0.7x
HAPN Happen, Inc.	1.8B	–	13.6%	–	8.5x	6.7x	1.1x	1.0x
FSUN Firstsun Capital Bancorp	1.8B	13.0%	20.9%	1.08x	11.7x	8.8x	1.0x	0.9x
Mean		14.1%	16.5%	1.17x	10.8x	8.9x	1.1x	1.0x
Median		14.6%	14.8%	1.20x	11.8x	9.2x	1.1x	0.9x

Technical analysis

1M+0.2%
3M+1.8%
1Y+7.9%
3Y+25.8%

Financial statements in millions of USD

Income statement in millions of USD, fiscal years

Income statement, Dime Community Bancshares, Inc., fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Interest income	685	650	609	439	385	184
Total interest expense	277	332	293	59.4	27.0	23.5
Net interest income	408	318	317	380	358	161
Loan loss provision	43.0	36.1	2.8	5.4	6.2	–
Net interest income after loan loss provision	365	282	314	374	351	161
Non-interest income	44.9	−4.0	36.2	38.2	42.1	19.7
Non-interest expense	−253	−227	−213	−201	−245	−125
Net income before taxes	157	51.4	137	212	148	55.7
Provision for taxes	46.1	22.4	40.8	59.4	44.2	13.7
Minority interest & equity in affiliates	–	–	–	–	–	–
Other	0	0	0	0	0	0
Net income before extraordinary items	111	29.1	96.1	153	104	42.0
Extraordinary items	–	–	–	–	–	–
Net income	111	29.1	96.1	153	104	42.0
Basic weighted average shares (mil)	43.0	38.9	38.2	38.5	38.9	19.5
Diluted weighted average shares (mil)	43.0	38.9	38.2	38.5	38.9	19.5
Basic EPS excluding extraordinary items	2.36	0.55	2.29	3.73	2.45	2.11
Basic EPS, normalized	2.54	0.49	2.48	3.78	3.42	2.73

Balance sheet in millions of USD, fiscal years

Balance sheet, Dime Community Bancshares, Inc., fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Assets
Cash & due from banks	2,354	1,284	458	169	394	108
Other earning assets	1,562	1,536	1,712	1,780	1,831	1,381
Net loans	10,661	10,783	10,702	10,483	9,161	4,553
Property, plant & equipment	74.1	81.1	97.6	105	115	78.9
Goodwill	156	156	156	156	156	106
Intangibles	2.9	3.9	5.1	6.5	8.4	3.4
Long-term investments	–	–	–	–	–	–
Other long-term assets	–	–	0.9	0	0.6	10.3
Other assets	532	509	505	491	401	194
Total assets	15,342	14,353	13,636	13,190	12,066	6,434
Liabilities
Accounts payable	–	–	–	–	–	–
Payable/accrued	–	–	–	–	–	–
Accrued expenses	45.7	49.0	55.5	60.3	66.1	46.7
Total deposits	12,841	11,686	10,531	10,254	10,459	5,489
Other bearing liabilities	508	608	1,313	1,131	25.0	215
Short-term borrowings	–	50.0	0	1.4	1.9	1.2
Current portion of long-term debt	–	–	–	–	–	–
Long-term debt	273	272	200	200	197	79.1
Minority interest	–	–	–	–	–	–
Other liabilities	198	291	310	373	125	85.2
Total liabilities	13,866	12,957	12,410	12,020	10,874	5,916
Shareholders' equity
Preferred stock	−15.9	−15.9	−15.9	−15.9	−15.9	–
Common stock	0.5	0.5	0.4	0.4	0.4	0.2
Additional paid-in capital	623	625	494	495	494	361
Retained earnings (accumulated deficit)	854	795	813	763	655	172
Treasury stock	−78.3	−87.2	−98.0	−103	−59.2	−5.1
Other equity	92.4	79.8	32.3	30.0	118	−10.1
Total equity	1,476	1,397	1,226	1,170	1,193	518
Total liabilities & shareholders' equity	15,342	14,353	13,636	13,190	12,066	6,434

Cash flow statement in millions of USD, fiscal years

Cash flow statement, Dime Community Bancshares, Inc., fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Operating activities
Net income	111	29.1	96.1	153	104	42.0
Depreciation, depletion & amortization	1.0	1.2	1.4	1.9	2.6	5.0
Deferred taxes	–	–	–	–	8.6	–
Non-cash items	−4.4	−1.9	2.2	3.0	22.5	14.4
Changes in working capital	79.3	70.8	−8.9	138	8.6	−14.0
Cash from operations	187	99.1	90.9	295	146	47.4
Investing activities
Capital expenditures	−4.1	−6.3	−5.7	−3.7	–	−5.1
Other investing cash flows	−65.3	70.4	−208	−1,328	1,103	−712
Cash from investing	−69.4	64.1	−214	−1,332	1,103	−717
Financing activities
Financing cash flow items	1,053	449	456	745	−876	1,455
Cash dividends paid	−50.2	−45.3	−44.6	−44.1	−46.6	−19.2
Issuance (retirement) of debt, net	–	–	–	–	–	–
Other financing cash flows	−49.1	259	0.2	111	−176	−6.5
Cash from financing	953	663	411	813	−1,099	1,429
Foreign exchange effects	–	–	–	–	–	–
Net change in cash	1,070	826	288	−224	150	760
Free cash flow	182	92.8	85.2	291	146	42.3

Disclaimer

The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.

This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.

QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.

Live quote provided by TradingView. Report data updated Nov 1, 2026 after market close.