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Upturn AI SWOT - About
DCOM 
Dime Community Bancshares Inc (DCOM)
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Upturn Advisory Summary
09/17/2025: DCOM (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $36
1 Year Target Price $36
| 3 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 80.12% | Avg. Invested days 42 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.34B USD | Price to earnings Ratio 38.02 | 1Y Target Price 36 |
Price to earnings Ratio 38.02 | 1Y Target Price 36 | ||
Volume (30-day avg) 5 | Beta 1.16 | 52 Weeks Range 22.82 - 36.62 | Updated Date 09/17/2025 |
52 Weeks Range 22.82 - 36.62 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 3.25% | Basic EPS (TTM) 0.8 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 14.03% | Operating Margin (TTM) 42.04% |
Management Effectiveness
Return on Assets (TTM) 0.32% | Return on Equity (TTM) 3.29% |
Valuation
Trailing PE 38.02 | Forward PE 13 | Enterprise Value 1118099200 | Price to Sales(TTM) 4.25 |
Enterprise Value 1118099200 | Price to Sales(TTM) 4.25 | ||
Enterprise Value to Revenue 6.36 | Enterprise Value to EBITDA - | Shares Outstanding 43891100 | Shares Floating 41954184 |
Shares Outstanding 43891100 | Shares Floating 41954184 | ||
Percent Insiders 4.6 | Percent Institutions 84.96 |
Upturn AI SWOT
Dime Community Bancshares Inc
Company Overview
History and Background
Dime Community Bancshares, Inc. (DCOM) traces its roots back to 1864. Originally a mutual savings bank, it demutualized and became a publicly traded company. It has grown through organic expansion and acquisitions, focusing on serving the New York metropolitan area.
Core Business Areas
- Commercial Real Estate Lending: Provides loans for the acquisition, development, and refinancing of commercial real estate properties.
- Commercial Lending: Offers loans to businesses for working capital, equipment financing, and other commercial purposes.
- Residential Mortgage Lending: Originates and services residential mortgage loans.
- Retail Banking: Provides traditional banking services, including checking and savings accounts, to individuals and small businesses.
Leadership and Structure
The leadership team includes Kevin M. O'Connor (CEO). The organizational structure follows a traditional bank hierarchy with departments for lending, retail banking, finance, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans for commercial properties. Market share data is regionally focused within the NY Metro area, not readily available as a precise figure. Competitors include large national banks (JPM, WFC) and other regional banks (NYCB, Signature Bank). Revenue generation is a substantial portion of the bank's overall interest income.
- Small Business Loans: Loans to support small and medium-sized enterprises (SMEs). Market share is fragmented. Competitors: Regional banks, credit unions, online lenders. This contributes significantly to their loan portfolio.
- Residential Mortgages: Mortgage loans for individual homebuyers. Market share highly dependent on interest rate environment and local competition. Competitors: Large mortgage originators, other local banks, and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing pressures from rising interest rates, increasing regulatory scrutiny, and competition from fintech companies. Consolidation is a continuing trend.
Positioning
Dime Community Bancshares Inc is a regional bank focused on serving the New York metropolitan area. Its competitive advantage lies in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the NY Metro area is estimated to be in the hundreds of billions of dollars. DCOM has a small but significant position with respect to this TAM, primarily in the commercial and residential real estate lending segments.
Upturn SWOT Analysis
Strengths
- Strong presence in the New York metropolitan area
- Experienced management team
- Solid credit quality
- Established customer relationships
Weaknesses
- Geographic concentration
- Reliance on commercial real estate lending
- Smaller size compared to national competitors
- Susceptibility to interest rate fluctuations
Opportunities
- Expansion into new markets within the NY Metro area
- Increased adoption of digital banking technologies
- Acquisition of smaller banks or credit unions
- Growth in demand for commercial real estate lending
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- NYCB
- MTB
- CFR
- USB
- JPM
Competitive Landscape
Dime Community Bancshares competes primarily with larger national and regional banks. Its advantages include local market knowledge and customer relationships, while its disadvantages include its smaller size and limited geographic reach.
Major Acquisitions
Bridge Bancorp
- Year: 2021
- Acquisition Price (USD millions): 489
- Strategic Rationale: Expanded Dime's presence on Long Island and broadened its commercial banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: Dime Community Bancshares has experienced moderate growth in assets and earnings over the past decade, primarily driven by organic expansion and strategic acquisitions.
Future Projections: Analyst estimates project continued moderate growth in earnings, driven by increased lending activity and cost efficiencies.
Recent Initiatives: Recent initiatives include expanding its digital banking platform and focusing on attracting and retaining small business customers.
Summary
Dime Community Bancshares is a regional bank with a strong presence in the New York metropolitan area. Its focus on commercial real estate lending and small business customers provides a stable source of revenue. However, its geographic concentration and smaller size compared to national competitors present challenges. Strategic acquisitions and investments in digital banking could help drive future growth, but rising interest rates and increased competition pose potential threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Analyst Reports
- Industry Publications
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market data is dynamic and subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Dime Community Bancshares Inc
Exchange NASDAQ | Headquaters Hauppauge, NY, United States | ||
IPO Launch date 1996-06-26 | CEO, President & Director Mr. Stuart H. Lubow | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 887 | Website https://www.dime.com |
Full time employees 887 | Website https://www.dime.com | ||
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 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. Dime Community Bancshares, Inc. was founded in 1910 and is headquartered in Hauppauge, New York.
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