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Dime Community Bancshares, Inc.

NASDAQ•DCOM
CEO: Mr. Kenneth J. Mahon
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1999-01-12
Dime Community Bancshares, Inc. operates as the holding company for Dime Community Bank that engages in the provision of various commercial banking and financial services. The company accepts time, savings, and demand deposits from the businesses, consumers, and local municipalities. It also offers commercial real estate loans; multi-family mortgage loans; residential mortgage loans; letters of credit; secured and unsecured commercial and consumer loans; lines of credit; home equity loans; and construction and land loans. In addition, the company 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, it offers certificate of deposit account registry services and insured cash sweep programs; federal deposit insurance corporation insurance; 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 for small and medium sized businesses, and municipal and consumer relationships. The company was founded in 1910 and is headquartered in Hauppauge, New York.
Contact Information
898 Veterans Memorial Highway, Suite 560, Hauppauge, NY, 11788, United States
631-537-1000
www.dime.com
Market Cap
$1.58B
P/E (TTM)
14.0
15.4
Dividend Yield
2.8%
52W High
$36.86
52W Low
$23.25
52W Range
94%
Rank52Top 73.5%
2.9
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 2.9 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$191.98M+45.86%
4-Quarter Trend

EPS

$0.68-225.93%
4-Quarter Trend

FCF

$45.40M+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Rebounds Strongly Net income reached $110.7M in 2025, significantly up from $29.1M in 2024, driven by higher net interest income.
NIM Expansion Achieved Net Interest Margin improved to 3.01% in 2025, up from 2.48% in 2024, reflecting successful asset/liability management during rate changes.
Strong Deposit Growth Total deposits grew $1.16B to $12.84B by year-end 2025, supporting asset growth and reducing reliance on wholesale funding sources.
Robust Capital Position Bank CET1 ratio stood at 14.4% (well above 6.5% minimum), demonstrating substantial regulatory capital strength as of December 31, 2025.

Risk Factors

Loan Portfolio Concentration High concentration in CRE and Multifamily loans (59% of portfolio) exposes results to localized economic downturns in Greater Long Island/Manhattan.
Credit Quality Slight Deterioration NPL ratio rose slightly to 0.49% in 2025 from 0.46% in 2024; ACL increased to $97.4M due to updated macroeconomic forecasts.
Regulatory Scrutiny on CRE Non-owner-occupied CRE exposure was 387% of total risk-based capital, potentially inviting increased supervisory scrutiny or higher capital requirements.
Interest Rate Sensitivity Risk EVE analysis shows significant downside risk (24.9% drop) under a -200 basis point shock scenario, highlighting rate volatility exposure.

Outlook

Continued NIM Management Focus Future profitability depends on managing interest expense relative to asset yields amid uncertain market interest rate fluctuations and deposit competition.
Strategic Growth Focus Growth strategy requires market share increase by attracting new customers, necessitating increased fixed expenses like salaries and occupancy costs.
Technology Integration Risks Reliance on AI/ML technologies introduces operational, data security, and regulatory compliance risks, requiring careful governance adaptation.
Capital Preservation Priority Management must maintain strong capital buffers, as regulatory guidance limits dividend payouts if capital conservation buffer requirements are not met.

Peer Comparison

Revenue (TTM)

WAFD stock ticker logoWAFD
$1.39B
-6.7%
HOPE stock ticker logoHOPE
$967.80M
-3.2%
DCOM stock ticker logoDCOM
$730.38M
+13.0%

Gross Margin (Latest Quarter)

TCBK stock ticker logoTCBK
79.7%
+5.9pp
BFC stock ticker logoBFC
73.2%
+2.6pp
BY stock ticker logoBY
73.2%
+10.7pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
WAFD$2.49B10.38.0%9.1%
TCBK$1.63B13.49.4%0.8%
BFC$1.61B19.811.3%2.7%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
3.8%
Moderate Growth
4Q Net Income CAGR
14.1%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow

Deep Research

Next earnings:Apr 20, 2026
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