Dime Community Bancshares, Inc. (DCOM) AI Stock Analysis

Dime Community Bancshares, Inc. serves as the holding company for Dime Community Bank, which was established in 1910 and is headquartered in Hauppauge, New York. The bank offers commercial banking and financial services to businesses, consumers, and local municipalities. Its deposit offerings include time deposits, savings accounts, and demand deposits. Its lending operations provide commercial real estate, multi-family, residential mortgage, secured and unsecured commercial, consumer, home equity, and construction loans. It also invests in U.S. Treasury securities, municipal obligations, corporate bonds, and mortgage-backed securities from Fannie Mae, Freddie Mac, Ginnie Mae, and the Federal Home Loan Bank.

DCOM grew annual revenue from $426.7M in FY2021 to $730.4M in FY2025, reflecting a 5-year revenue CAGR of 23.4%. Net income fluctuated from $104.0M in FY2021 to a peak of $152.6M in FY2022, dipping to $29.1M in FY2024 before rebounding to $110.7M in FY2025. In FY2025, net margin stood at 15.2% and operating margin was 21.5%. For the latest quarter ended June 30, 2026, quarterly revenue grew 12.0% year-over-year, and quarterly earnings grew 17.6% year-over-year. Trailing twelve months revenue reached $439.1M, with an operating margin of 44.6% and diluted EPS of $2.77.

As of June 30, 2026, the company held $3.54B in cash and short-term investments against total debt of $655.8M, resulting in net cash of $2.88B. Total assets stood at $15.01B and shareholders' equity was $1.52B, yielding a debt-to-equity ratio of 0.43 and a current ratio of 11.02. In FY2025, operating cash flow reached $186.6M and free cash flow was $182.4M. Capital expenditures totaled $4.1M, while dividends paid accounted for $50.2M. Over five years, the share count changed by 8.9%.

At a share price of $38.83, DCOM trades at a trailing P/E of 14.0x and a forward P/E of 12.8x, both above the median of its US-listed Financial Services peers of 12.1x and 10.8x, respectively. Its price-to-sales multiple is 3.9x compared to the peer median of 3.2x. Over the past year, DCOM returned 44.5%, outperforming the SPY return of 16.8%. However, its 5-year return of 33.5% trails the SPY 5-year return of 83.0%. The stock trades 6.4% above its 200-day average.

DCOM pays an annual forward dividend of $1.00 per share, delivering a dividend yield of 2.58% with a payout ratio of 34.1%. Dividends are distributed on a quarterly frequency and have been paid for 32 consecutive years. Over the last five years, the dividend growth annualized rate declined 8.0%. The most recent ex-dividend date was October 16, 2026.

Wall Street analysts cover DCOM with 2 Strong Buy, 2 Buy, and 1 Hold ratings. The mean price target is $46.00, representing an 18.5% upside from the last close of $38.83. For the fiscal year ending December 31, 2026, analysts estimate EPS of $3.34 on revenue of $518.2M, representing EPS growth of 29.0%. For the next fiscal year, consensus estimates project EPS of $4.31 on revenue of $572.1M. DCOM beat EPS estimates in 2 of the last 4 quarters, with next earnings scheduled for October 22, 2026.

This page is an AI-written research summary of Dime Community Bancshares, Inc. (DCOM). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: DCOM income statement, DCOM balance sheet, DCOM key metrics, DCOM analyst forecast, DCOM chart. See the DCOM stock overview for the latest quote and news.