Latest Ratios: P/E Ratio 17.0x · EV/EBITDA -1.3x · ROE 7.7%. (1995–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.8B | $1.3B | $1.2B | $1.0B | $1.2B | $1.4B | $793M | $1.2B | $945M | $1.3B | $1.4B |
| Enterprise Value | $-210853932 | $-687872299 | $893M | $2.1B | $2.5B | $1.3B | $2.0B | $2.4B | $2.0B | $2.4B | $2.1B |
| P/E Ratio → | 16.95 | 12.70 | 55.89 | 11.76 | 8.53 | 14.35 | 13.90 | 33.20 | 18.47 | 25.36 | 19.24 |
| P/S Ratio | 2.43 | 1.77 | 1.85 | 1.59 | 2.57 | 3.21 | 3.11 | 4.80 | 4.09 | 5.90 | 6.86 |
| P/B Ratio | 1.17 | 0.88 | 0.86 | 0.84 | 1.05 | 1.15 | 1.13 | 2.02 | 1.57 | 2.20 | 2.47 |
| P/FCF | 9.72 | 7.10 | 12.90 | 12.08 | 4.21 | 9.35 | 13.44 | 18.02 | 15.75 | 38.67 | 97.66 |
| P/OCF | 9.50 | 6.94 | 12.08 | 11.32 | 4.16 | 9.35 | 13.23 | 17.56 | 14.70 | 30.42 | 69.55 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | -0.94 | 1.38 | 3.31 | 5.13 | 2.96 | 7.95 | 9.61 | 8.81 | 10.89 | 10.39 |
| EV / EBITDA | -1.30 | -4.24 | 15.31 | 14.82 | 11.03 | 7.97 | 33.78 | 46.36 | 28.42 | 26.30 | 15.56 |
| EV / EBIT | -1.34 | -4.39 | 17.35 | 15.63 | 11.56 | 8.53 | 36.89 | 51.38 | 30.54 | 27.38 | 15.83 |
| EV / FCF | — | -3.77 | 9.62 | 25.13 | 8.41 | 8.64 | 34.39 | 36.06 | 33.95 | 71.41 | 147.90 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 56.1% | 56.1% | 43.0% | 54.2% | 86.4% | 92.2% | 67.7% | 56.8% | 66.4% | 73.2% | 73.3% |
| Operating Margin | 21.5% | 21.5% | 8.0% | 21.2% | 44.4% | 34.7% | 21.5% | 18.7% | 28.9% | 39.8% | 65.6% |
| Net Profit Margin | 15.2% | 15.2% | 4.5% | 14.9% | 32.0% | 24.4% | 16.6% | 14.4% | 22.2% | 23.2% | 35.7% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.7% | 7.7% | 2.2% | 8.0% | 12.9% | 11.0% | 6.5% | 6.0% | 8.5% | 8.9% | 13.7% |
| ROA | 0.7% | 0.7% | 0.2% | 0.7% | 1.2% | 1.1% | 0.6% | 0.6% | 0.8% | 0.8% | 1.3% |
| ROIC | 5.6% | 5.6% | 1.5% | 3.8% | 7.9% | 6.1% | 2.0% | 1.9% | 2.7% | 4.1% | 6.5% |
| ROCE | 6.1% | 6.1% | 1.8% | 4.5% | 9.3% | 7.7% | 2.5% | 2.3% | 3.4% | 4.9% | 7.7% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.25 | 0.25 | 0.70 | 1.28 | 1.19 | 0.24 | 2.11 | 2.28 | 2.06 | 2.14 | 1.47 |
| Debt / EBITDA | 2.28 | 2.28 | 16.80 | 10.87 | 6.27 | 1.83 | 24.63 | 26.19 | 17.29 | 13.89 | 6.12 |
| Net Debt / Equity | — | -1.34 | -0.22 | 0.91 | 1.05 | -0.09 | 1.76 | 2.02 | 1.81 | 1.86 | 1.27 |
| Net Debt / EBITDA | -12.21 | -12.21 | -5.22 | 7.70 | 5.51 | -0.65 | 20.57 | 23.20 | 15.23 | 12.06 | 5.29 |
| Debt / FCF | — | -10.87 | -3.28 | 13.05 | 4.20 | -0.71 | 20.95 | 18.04 | 18.19 | 32.74 | 50.24 |
| Interest Coverage | 0.57 | 0.57 | 0.15 | 0.47 | 3.57 | 5.48 | 0.98 | 0.52 | 0.89 | 1.49 | 2.56 |
Net cash position: cash ($2.4B) exceeds total debt ($371M)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.25 | 0.25 | 0.11 | 0.13 | 0.11 | 0.19 | 0.18 | 0.16 | 0.15 | 0.12 | 0.03 |
| Quick Ratio | 0.25 | 0.25 | 0.11 | 0.13 | 0.11 | 0.19 | 0.18 | 0.16 | 0.15 | 0.12 | 0.03 |
| Cash Ratio | 0.18 | 0.18 | 0.11 | 0.04 | 0.02 | 0.04 | 0.05 | 0.04 | 0.03 | 0.04 | 0.03 |
| Asset Turnover | — | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.5% | 3.3% | 3.2% | 3.6% | 3.0% | 2.9% | 2.4% | 1.7% | 2.2% | 1.6% | 1.5% |
| Payout Ratio | 38.8% | 38.8% | 130.8% | 38.8% | 24.1% | 37.8% | 44.2% | 55.5% | 40.6% | 40.5% | 28.4% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 5.9% | 7.9% | 1.8% | 8.5% | 11.7% | 7.0% | 7.2% | 3.0% | 5.4% | 3.9% | 5.2% |
| FCF Yield | 10.3% | 14.1% | 7.8% | 8.3% | 23.8% | 10.7% | 7.4% | 5.6% | 6.3% | 2.6% | 1.0% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.1% | 3.8% | 4.3% | 4.5% | 2.0% | 2.7% | 0.0% | 0.0% |
| Total Shareholder Yield | 2.5% | 3.3% | 3.2% | 3.7% | 6.8% | 7.2% | 6.8% | 3.7% | 4.9% | 1.6% | 1.5% |
| Shares Outstanding | — | $43M | $39M | $38M | $39M | $39M | $33M | $36M | $37M | $38M | $37M |
NYC Real Estate Concentration
Based on reported figures, DCOM trades at a P/B of 1.18, which appears to discount the bank relative to peers like NBT Bancorp and TrustCo, suggesting that investors remain cautious regarding the bank's long-term return on tangible equity potential within the volatile New York City metropolitan market.
The current valuation multiple suggests the market views DCOM as a commodity balance sheet rather than a premium franchise, likely due to lingering concerns over its CRE exposure. Investors should monitor whether the bank's transition toward a commercial relationship model can drive a re-rating toward peer-level multiples.
According to recent quarterly data, DCOM's ROE has remained constrained at 2.3% in 2026Q1, a figure that reflects the ongoing difficulty in generating meaningful profitability when the net interest margin is compressed at 0.7% despite the bank's efforts to diversify its revenue streams beyond traditional real estate lending.
The DuPont decomposition indicates that profitability is currently hampered by low asset utilization and margin pressure. The bank's reliance on a high-touch municipal deposit base, while providing stability, appears to limit the upside for net interest income expansion in the current interest rate environment.
As reported in financial statements, DCOM improved its efficiency ratio to 34.0% in 2026Q1 from a high of 46.1% in 2024Q4, demonstrating that management is successfully controlling operating expenses even as the net interest margin remains stubbornly stagnant at 0.7% across the last several quarters.
While the improvement in the efficiency ratio is a positive indicator of operational discipline, it may not be sufficient to offset the structural margin compression inherent in the bank's current funding mix. Investors should monitor whether further cost-cutting can provide a buffer against potential future increases in deposit beta.
Based on the provided quarterly balance sheet data, DCOM has maintained a consistent equity-to-assets ratio of 0.10 throughout the 2025-2026 period, indicating that the bank is successfully preserving its regulatory capital base despite the ongoing challenges of the NYC regional banking landscape and potential credit volatility.
The stability of the capital ratio suggests a conservative approach to balance sheet management, which is appropriate given the bank's significant exposure to NYC real estate. This capital position appears sufficient to support current operations, though it may limit the capacity for aggressive share buybacks in the near term.
The P/E ratio is the most commonly misapplied metric for DCOM, as it fails to account for the distortive impact of purchase accounting adjustments from the 2021 BNB merger, which can artificially inflate reported earnings and mask the underlying profitability of the bank's core commercial lending operations.
Investors should prioritize P/TBV and adjusted ROTCE over P/E to better assess the bank's true franchise value. Relying on P/E may lead to an inaccurate assessment of the bank's earnings power, as it does not distinguish between organic growth and the temporary benefits of merger-related accounting yields.
Includes 30+ ratios · 30 years · Updated daily
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Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying DCOM stock.
Dime Community Bancshares, Inc.'s current P/E ratio is 17.0x. The historical average is 22.0x. This places it at the 29th percentile of its historical range.
Dime Community Bancshares, Inc.'s current EV/EBITDA is -1.3x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 26.6x.
Dime Community Bancshares, Inc.'s return on equity (ROE) is 7.7%. The historical average is 10.1%.
Based on historical data, Dime Community Bancshares, Inc. is trading at a P/E of 17.0x. This is at the 29th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Dime Community Bancshares, Inc.'s current dividend yield is 2.48% with a payout ratio of 38.8%.
Dime Community Bancshares, Inc. has 56.1% gross margin and 21.5% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
Dime Community Bancshares, Inc.'s Debt/EBITDA ratio is 2.3x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.