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Upturn AI SWOT - About
DCOM 
Dime Community Bancshares Inc (DCOM)
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Upturn Advisory Summary
06/27/2025: DCOM (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
5 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Year Target Price $35.7
Year Target Price $35.7
| 3 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 64.91% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.20B USD | Price to earnings Ratio 46.25 | 1Y Target Price 35.7 |
Price to earnings Ratio 46.25 | 1Y Target Price 35.7 | ||
Volume (30-day avg) - | Beta 1.09 | 52 Weeks Range 18.68 - 36.94 | Updated Date 06/29/2025 |
52 Weeks Range 18.68 - 36.94 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.73% | Basic EPS (TTM) 0.59 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 11.12% | Operating Margin (TTM) 40.67% |
Management Effectiveness
Return on Assets (TTM) 0.24% | Return on Equity (TTM) 2.48% |
Valuation
Trailing PE 46.25 | Forward PE 13 | Enterprise Value 1083658880 | Price to Sales(TTM) 4.05 |
Enterprise Value 1083658880 | Price to Sales(TTM) 4.05 | ||
Enterprise Value to Revenue 6.37 | Enterprise Value to EBITDA - | Shares Outstanding 43818600 | Shares Floating 41803346 |
Shares Outstanding 43818600 | Shares Floating 41803346 | ||
Percent Insiders 5.1 | Percent Institutions 83.99 |
Analyst Ratings
Rating 4.6 | Target Price 35.7 | Buy 2 | Strong Buy 3 |
Buy 2 | Strong Buy 3 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Dime Community Bancshares Inc
Company Overview
History and Background
Dime Community Bancshares, Inc. was founded in 1864 as The Dime Savings Bank of Williamsburgh. It has evolved from a mutual savings bank to a commercial bank, growing through organic expansion and acquisitions.
Core Business Areas
- Commercial Banking: Offers commercial loans, real estate financing, and other business-related financial services.
- Retail Banking: Provides deposit accounts, residential mortgages, and consumer loans to individuals.
- Wealth Management: Offers wealth management and trust services.
Leadership and Structure
Kevin M. O'Connor is the Chief Executive Officer. The company has a board of directors and operates through various departments including lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Primarily focused on multi-family and commercial properties. Market share varies regionally; precise figures are difficult to obtain. Competitors include large national banks like JPMorgan Chase (JPM) and Bank of America (BAC), as well as regional players like New York Community Bancorp (NYCB).
- Residential Mortgages: Offers fixed-rate and adjustable-rate mortgages. Market share is moderate. Competitors include Rocket Companies (RKT) and PennyMac Financial Services (PFSI).
- Business Loans: Provides loans to small and medium-sized businesses. Market share is regional. Competitors include regional banks like M&T Bank (MTB) and Citizens Financial Group (CFG).
Market Dynamics
Industry Overview
The banking industry is facing increased competition, regulatory pressures, and technological disruption. Interest rate fluctuations and economic conditions significantly impact profitability.
Positioning
Dime Community Bancshares Inc. is a regional bank focused on relationship banking and serving the New York metropolitan area. Its competitive advantages include local market knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in the New York metropolitan area is estimated to be in the hundreds of billions of dollars. Dime is positioned as a strong regional player, capturing a small portion of this TAM.
Upturn SWOT Analysis
Strengths
- Strong presence in the New York metropolitan area
- Experienced management team
- Solid balance sheet
- Focus on relationship banking
Weaknesses
- Limited geographic diversification
- Sensitivity to interest rate changes
- Smaller scale compared to national banks
- Dependence on the New York economy
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Strategic acquisitions
- Growing demand for commercial real estate loans
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns
- Regulatory changes
- Rising interest rates
Competitors and Market Share
Key Competitors
- NYCB
- MTB
- CFG
Competitive Landscape
Dime Community Bancshares Inc. competes with larger national banks and other regional banks. It differentiates itself through relationship banking and local market expertise.
Major Acquisitions
Bridgehampton National Bank
- Year: 2021
- Acquisition Price (USD millions): 489
- Strategic Rationale: Expanded presence on Long Island and increased deposit base.
Growth Trajectory and Initiatives
Historical Growth: Dime Community Bancshares Inc. has experienced moderate growth through organic expansion and acquisitions.
Future Projections: Analyst estimates project continued growth in revenue and earnings, driven by loan growth and efficiency improvements.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new markets.
Summary
Dime Community Bancshares is a solid regional bank with a strong presence in the New York metropolitan area. It benefits from its focus on relationship banking, but is vulnerable to economic downturns. Recent strategic initiatives, like the Bridgehampton National Bank acquisition, position it for future growth, but increased competition remains a threat. They must continue to innovate to stay ahead.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Market Data Providers
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor.
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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