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DCOM

Dime Community Bancshares, Inc.

DCOM

Dime Community Bancshares, Inc. • NASDAQ
$28.35 ▼ -0.84% (-0.24)
Market Cap $1.24 B
52w High $37.13
52w Low $23.25
Dividend Yield 1.00%
P/E 26.01
Volume 145.43K
Outstanding Shares 43.89M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $187.754M ▲ $62.224M ▲ $27.671M ▼ 14.738% ▼ $0.59 ▼ $41.726M ▲
Q2-2025 $179.145M ▲ $60.299M ▼ $29.697M ▲ 16.577% ▲ $0.64 ▲ $41.505M ▲
Q1-2025 $171.498M ▲ $65.511M ▲ $21.458M ▲ 12.512% ▲ $0.45 ▲ $30.046M ▲
Q4-2024 $131.622M ▼ $60.613M ▲ $-20.413M ▼ -15.509% ▼ $-0.54 ▼ $-15.557M ▼
Q3-2024 $171.87M $57.729M $13.327M 7.754% $0.29 $20.023M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $2.212B ▲ $14.539B ▲ $13.087B ▲ $1.452B ▲
Q2-2025 $1.165B ▲ $14.208B ▲ $12.777B ▲ $1.431B ▲
Q1-2025 $1.039B ▼ $14.098B ▼ $12.686B ▼ $1.412B ▲
Q4-2024 $1.29B ▼ $14.353B ▲ $12.957B ▲ $1.397B ▲
Q3-2024 $1.401B $13.747B $12.483B $1.264B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $27.671M ▼ $52.094M ▲ $197.173M ▲ $309.023M ▲ $558.29M ▲ $51.23M ▲
Q2-2025 $29.697M ▲ $23.063M ▼ $-7.696M ▲ $110.685M ▲ $126.052M ▲ $20.957M ▼
Q1-2025 $21.458M ▲ $65.42M ▼ $-84.528M ▼ $-233.761M ▼ $-252.869M ▼ $64.85M ▼
Q4-2024 $-20.413M ▼ $89.015M ▲ $24.959M ▲ $543.541M ▲ $657.515M ▲ $86.964M ▲
Q3-2024 $13.327M $-33.317M $-16.552M $261.942M $212.073M $-34.095M

Five-Year Company Overview

Income Statement

Income Statement Over the past five years, Dime has grown into a noticeably larger bank in terms of revenue, but its profitability has become much thinner more recently. Revenue has climbed meaningfully versus earlier years, yet it has essentially stalled over the last two years. Earnings and profit margins appear to have peaked in the middle of the period and have since stepped down, with the latest year showing much lower profit than those peak years. In practical terms, the bank is still solidly profitable, but it is working harder for each dollar of profit, likely reflecting higher funding costs, competition for deposits, and a tougher interest-rate environment for regional banks.

Balance Sheet

Balance Sheet The balance sheet shows a bank that has expanded significantly, with total assets growing steadily over the five-year period. Cash levels have moved up sharply in the most recent year, which points to a stronger liquidity position and more flexibility to manage funding. Debt levels have moved around but remain manageable in the context of the overall balance sheet, while shareholders’ equity has risen consistently, suggesting the capital base has been reinforced over time. The combination of faster asset growth and softer earnings underscores the importance of asset quality, funding mix, and capital discipline going forward, but the current snapshot looks reasonably well supported.

Cash Flow

Cash Flow Cash generation has been consistently positive, which is an encouraging sign for a bank going through a more challenging earnings phase. Operating cash flow has remained in the black every year, with a particularly strong period a couple of years ago, followed by a moderation more recently in line with lower profits. Because spending on physical investment is modest, free cash flow closely tracks operating cash flow and has stayed positive throughout. Overall, Dime appears to convert its business activity into cash reliably, even if the absolute strength of that cash engine has cooled from its high point.

Competitive Edge

Competitive Edge Dime’s competitive position is rooted in being a leading community bank in its core New York markets, especially on Long Island. It benefits from longstanding local relationships, a strong deposit franchise, and deep experience in commercial real estate and multifamily lending. Its focus on relationship-driven commercial and small business clients, combined with specialized offerings like SBA lending and municipal banking, helps it stand out from both megabanks and purely digital players. The main strategic vulnerability is concentration: the business is heavily tied to the New York metropolitan area and to commercial real estate dynamics there, leaving it more exposed to local economic and property cycles than more geographically diversified peers.

Innovation and R&D

Innovation and R&D Dime is not trying to be a cutting-edge fintech, but it has made targeted, practical technology investments that matter to its core customers. Partnering with a major technology provider for its core systems and digital banking has given it modern online and mobile platforms without having to build everything in-house. Enhancements to its commercial banking portal, support for international payments, and improved cash management tools all align with its focus on business clients. The innovation approach is incremental and customer-focused rather than experimental. Future areas to watch include how well it executes on further digital upgrades, expansion into new lending verticals such as healthcare, and any moves into emerging financial technologies, all of which could either strengthen or stretch its current moat.

Summary

Overall, Dime Community Bancshares looks like a traditional regional community bank that has scaled up and modernized, but is now navigating a tougher profitability environment. The business has grown meaningfully in size with a stronger capital and liquidity base, yet recent earnings and margins have come under pressure. Cash flows remain steadily positive, supporting ongoing operations and measured investment. Its strongest advantages are a deeply entrenched local franchise, specialized lending expertise, and focused digital enhancements for commercial clients. The main uncertainties revolve around its concentrated exposure to the New York region, sensitivity to interest rates and funding costs, and the health of commercial real estate in its footprint, as well as its ability to successfully execute on digital initiatives and selective expansion without taking on outsized risk.

NEWS

November 21, 2025 · 8:30 AM UTC

Dime Hires Dan Fosina To Lead New Jersey Middle Market Expansion Efforts

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November 19, 2025 · 8:00 AM UTC

Dime Announces Plans to Open Locust Valley Branch

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October 27, 2025 · 6:30 AM UTC

Dime Announces Senior Executive Succession Planning

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October 23, 2025 · 4:30 PM UTC

Dime Community Bancshares Declares Quarterly Cash Dividend for Series A Preferred Stock

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October 23, 2025 · 6:45 AM UTC

Dime Community Bancshares, Inc. Reports 103% Year-Over-Year Increase in Earnings Per Share

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