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DCOMDime Community Bancshares, Inc.
$39.64$1.7B
Overview & Verdict
Overview
Valuation & Forecasts
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DCOM logoDime Community Bancshares, Inc.(DCOM)Earnings, Financials & Key Ratios

DCOM•NASDAQ•Banking & Credit
$39.64
16.7× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutDime Community Bancshares, Inc. operates as the holding company for Dime Community Bank that provides various commercial banking and financial services. It accepts time, savings, and demand deposits from the businesses, consumers, and local municipalities. The company also offers commercial real estate loans; multi-family mortgage loans; residential mortgage loans; secured and unsecured commercial and consumer loans; home equity loans; and construction and land loans. In addition, it invests in Federal Home Loan Bank, Federal National Mortgage Association, Government National Mortgage Association, and Federal Home Loan Mortgage Corporation mortgage-backed securities, collateralized mortgage obligations, and other asset backed securities; U.S. Treasury securities; New York state and local municipal obligations; U.S. government-sponsored enterprise securities; and corporate bonds. Further, the company offers certificate of deposit account registry services and insured cash sweep programs; merchant credit and debit card processing, automated teller machines, cash management services, lockbox processing, online banking services, remote deposit capture, safe deposit boxes, and individual retirement accounts; investment products and services through a third-party broker dealer; and title insurance broker services. As of December 31, 2021, it operated 60 branch locations throughout Long Island and the New York City boroughs of Brooklyn, Queens, Manhattan, and the Bronx. Dime Community Bancshares, Inc. was founded in 1910 and is headquartered in Hauppauge, New York.Show more
  • Net Interest Income$408M+28.3%
  • Total Revenue$730M+13.0%
  • Net Income$111M+280.6%
  • Return on Equity7.71%+247.5%
  • Net Interest Margin2.66%+20.0%
  • Efficiency Ratio34.65%-1.2%
  • ROA0.75%+258.8%
  • Equity / Assets9.62%-1.1%
  • Book Value per Share34.28-4.4%

DCOM Price & Volume

Dime Community Bancshares, Inc. (DCOM) stock price & volume — 10-year historical chart

Loading chart...

Revenue Growth Masks Persistent NYC Credit Risks

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Adequate
Cash Flow:Stable
Primary Risk:NYC Real Estate Concentration

Key Thesis Takeaways

  • Dime Community Bancshares demonstrates accelerating growth with net interest income rising to $112.3 million in 2026Q1, yet the bank faces significant headwinds from stagnant net interest margins of 0.7%.
  • While operational efficiency has improved to a 34.0% efficiency ratio, the heavy concentration in NYC commercial real estate remains a primary concern for long-term asset quality.
  • Investors should monitor the $12.3 million quarterly provision expense as a potential indicator of underlying credit stress within the loan portfolio.

Verdict Logic

while the bank shows improved operational efficiency at 34.0%, the 17.13 P/E TTM and ongoing credit risks in the NYC market warrant a cautious approach.

DCOM Growth Metrics

Dime Community Bancshares, Inc. (DCOM) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years14.82%
5 Years23.4%
3 Years15.23%
TTM-

Profit CAGR

10 Years9.47%
5 Years21.2%
3 Years-10.14%
TTM276.87%

EPS CAGR

10 Years6.78%
5 Years6.38%
3 Years-14.03%
TTM325.4%

Return on Capital

10 Years5.03%
5 Years5.89%
3 Years4.15%
Last Year6.13%

DCOM Recent Earnings

Dime Community Bancshares, Inc. (DCOM) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 11/12 qtrs (92%)
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$0.74-3.9%
$0.77
Rev
$124M+1.6%
$122M
Q1 2026
Jan 21, 2026
Metric
Actual
Est
EPS
$0.79+12.9%
$0.70
Rev
$124M+4.8%
$118M
Q4 2025
Oct 23, 2025
Metric
Actual
Est
EPS
$0.61-11.1%
$0.69
Rev
$116M+2.4%
$113M
Q3 2025
Jul 24, 2025
Metric
Actual
Est
EPS
$0.64+1.6%
$0.63
Rev
$110M+0.7%
$109M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$0.74vs $0.77-3.9%
$124Mvs $122M+1.6%
Q1 2026Jan 21, 2026
$0.79vs $0.70+12.9%
$124Mvs $118M+4.8%
Q4 2025Oct 23, 2025
$0.61vs $0.69-11.1%
$116Mvs $113M+2.4%
Q3 2025Jul 24, 2025
$0.64vs $0.63+1.6%
$110Mvs $109M+0.7%
Based on last 12 quarters of dataView full earnings history →

Latest DCOM News

Recent stock market news and headlines for Dime Community Bancshares, Inc. (DCOM)

GlobeNewsWire·Jun 29, 2026
Dime Continues Support for Sunrise Day Camp

HAUPPAUGE, N.Y., June 29, 2026 (GLOBE NEWSWIRE) -- Dime Commercial Bancshares, Inc. (the “Company” or “Dime”) (NYSE: DCOM), announced today that it continued to support the annual fundraising event Sunrise Walk-A-Thon that benefits children with cancer and their siblings who attend Sunrise Day Camp.

GlobeNewsWire·Jun 25, 2026
Dime Commercial Bancshares Declares Quarterly Cash Dividend for Common Stock

HAUPPAUGE, N.Y., June 25, 2026 (GLOBE NEWSWIRE) -- Dime Commercial Bancshares, Inc. (NYSE: DCOM) (the “Company”) announced that its Board of Directors declared a quarterly cash dividend of $0.25 per share of Common Stock, payable on July 24, 2026 to common stockholders of record as of July 17, 2026.

Globe News Wire·Jun 16, 2026
Kroll Bond Rating Agency Issues “Positive” Ratings Outlook for Dime Commercial Bancshares, Inc.

HAUPPAUGE, N. Y. , June 16, 2026 (GLOBE NEWSWIRE) -- Dime Commercial Bancshares, Inc. (the "Company" or "Dime") (NYSE: DCOM), the parent company of Dime Commercial Bank (the "Bank"), announced that Kroll Bond Rating Agency ("KBRA"), in a report dated June 16, 2026, issued a "Positive" ratings Outlook for Dime.

GlobeNewsWire·Jun 16, 2026
Kroll Bond Rating Agency Issues “Positive” Ratings Outlook for Dime Commercial Bancshares, Inc.

HAUPPAUGE, N.Y., June 16, 2026 (GLOBE NEWSWIRE) -- Dime Commercial Bancshares, Inc. (the “Company” or “Dime”) (NYSE: c), the parent company of Dime Commercial Bank (the “Bank”), announced that Kroll Bond Rating Agency (“KBRA”), in a report dated June 16, 2026, issued a “Positive” ratings Outlook for Dime.

Peers Comparison

Key metrics vs top competitors for Dime Community Bancshares, Inc. (DCOM)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
DCOM logoDCOMDime Community Bancshares, Inc.Current
$39.64$1.75B16.7313.03%15.15%7.71%2.52%
SI logoSIShoulder Innovations, Inc.
$21.35$440.94M-41.0649.63%-81.78%-35.31%—
NBTB logoNBTBNBT Bancorp Inc.
$49.63$2.58B14.9010.36%19.66%9.83%—
TRST logoTRSTTrustCo Bank Corp NY
$54.71$956.05M16.835.77%22.43%9.21%—
PFBC logoPFBCPreferred Bank
$105.22$1.25B10.11-4.11%26.69%17.48%—
CTBI logoCTBICommunity Trust Bancorp, Inc.
$72.14$1.31B13.298.86%24.85%12.27%—

Compare DCOM vs Peers

Dime Community Bancshares, Inc. (DCOM) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SI

Most directly comparable listed peer for DCOM.

Scale Benchmark

vs ICE

Larger-name benchmark to compare DCOM against a more recognizable public peer.

Peer Set

Compare Top 5

vs SI, NBTB, TRST, PFBC

DCOM SEC Filings & Documents

Dime Community Bancshares, Inc. (DCOM) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jun 1, 2026·SEC

Material company update

May 27, 2026·SEC

Material company update

Apr 23, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 20, 2026·SEC

FY 2025

Feb 20, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

May 1, 2026·SEC

FY 2025

Nov 3, 2025·SEC

FY 2025

Aug 5, 2025·SEC

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DCOM Frequently Asked Questions

Dime Community Bancshares, Inc. (DCOM) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Dime Community Bancshares, Inc. growing?

Dime Community Bancshares, Inc. (DCOM) grew revenue by 13.0% over the past year. This is steady growth.

Is DCOM profitable?

Yes, Dime Community Bancshares, Inc. (DCOM) is profitable, generating $123.8M in net income for fiscal year 2025 (15.2% net margin).

Dividend & Returns
Does DCOM pay dividends?

Yes, Dime Community Bancshares, Inc. (DCOM) pays a dividend with a yield of 2.52%. This makes it attractive for income-focused investors.

What is DCOM's return on equity?

Dime Community Bancshares, Inc. (DCOM) has a return on equity (ROE) of 7.7%. This is below average, suggesting room for improvement.

Industry Metrics
What is Dime Community Bancshares, Inc.'s net interest margin?

Dime Community Bancshares, Inc. (DCOM) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.

What is Dime Community Bancshares, Inc.'s efficiency ratio?

Dime Community Bancshares, Inc. (DCOM) has an efficiency ratio of 34.7%. This is excellent, indicating strong cost control.

What if you invested $1,000 in DCOM back in 1995?

Total return calculator · dividends reinvested · 31+ years of data

See returns →