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DCOM 
Dime Community Bancshares Inc (DCOM)
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Upturn Advisory Summary
11/04/2025: DCOM (2-star) is currently NOT-A-BUY. Pass it for now.
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 $35.4
1 Year Target Price $35.4
| 3 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 71.93% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 11/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.16B USD | Price to earnings Ratio 24.26 | 1Y Target Price 35.4 |
Price to earnings Ratio 24.26 | 1Y Target Price 35.4 | ||
Volume (30-day avg) 5 | Beta 1.11 | 52 Weeks Range 22.62 - 36.29 | Updated Date 11/4/2025 |
52 Weeks Range 22.62 - 36.29 | Updated Date 11/4/2025 | ||
Dividends yield (FY) 3.81% | Basic EPS (TTM) 1.09 |
Earnings Date
Report Date 2025-10-21 | When Before Market | Estimate 0.68 | Actual 0.61 |
Profitability
Profit Margin 17.15% | Operating Margin (TTM) 41.18% |
Management Effectiveness
Return on Assets (TTM) 0.41% | Return on Equity (TTM) 4.3% |
Valuation
Trailing PE 24.26 | Forward PE 13 | Enterprise Value 386744160 | Price to Sales(TTM) 3.41 |
Enterprise Value 386744160 | Price to Sales(TTM) 3.41 | ||
Enterprise Value to Revenue 6.28 | Enterprise Value to EBITDA - | Shares Outstanding 43891098 | Shares Floating 41951301 |
Shares Outstanding 43891098 | Shares Floating 41951301 | ||
Percent Insiders 4.41 | Percent Institutions 84.89 |
Upturn AI SWOT
Dime Community Bancshares Inc
Company Overview
History and Background
Dime Community Bancshares, Inc. (DCOM) was founded in 1864. Initially a savings bank, it has evolved into a full-service community bank focused on serving the New York metropolitan area. Significant milestones include expansions through organic growth and strategic acquisitions.
Core Business Areas
- Commercial Banking: Provides commercial lending, deposit services, and cash management solutions to businesses.
- Retail Banking: Offers personal banking services, including checking and savings accounts, mortgages, and personal loans.
- Residential Lending: Focuses on mortgage origination and servicing.
- Wealth Management: Provides wealth management and trust services
Leadership and Structure
The company is led by a Board of Directors and an executive management team. The organizational structure includes departments for each core business area, as well as support functions such as finance, risk management, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial real estate loans form a significant portion of Dime's loan portfolio. Market share data is regionally specific, but Dime competes with other community banks and larger national banks in the NYC metro area. Competitors: New York Community Bancorp (NYCB), Signature Bank (OTC: SBNY).
- Residential Mortgages: Dime offers various residential mortgage products. The market is highly competitive, with larger national lenders and mortgage brokers. Competitors: JPMorgan Chase (JPM), Wells Fargo (WFC).
- Small Business Loans: Dime provides loans to small businesses. Competition includes other community banks, credit unions, and online lenders. Competitors: Bank of America (BAC), Popular Inc. (BPOP).
Market Dynamics
Industry Overview
The banking industry is currently navigating a rising interest rate environment, potential economic slowdown, and increased regulatory scrutiny. Competition is intense, with both traditional and non-traditional players vying for market share.
Positioning
Dime is positioned as a community-focused bank with a strong presence in 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 NYC metro area is substantial, representing billions of dollars in loans and deposits. Dime is positioned to capture a portion of this market through its community-focused strategy.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Established customer relationships
- Experienced management team
- Solid capital base
Weaknesses
- Geographic concentration (NYC metro area)
- Smaller size compared to larger national banks
- Dependence on commercial real estate lending
- Limited brand recognition outside NYC
Opportunities
- Expansion within the NYC metro area
- Growth in wealth management services
- Increased digital banking adoption
- Potential acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in the NYC area
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- NYCB
- TCBI
- FHN
- CUBI
Competitive Landscape
Dime Community Bancshares competes with a mix of larger regional and national banks, as well as smaller community banks. Its advantages include its local market expertise, while its disadvantages include its smaller size and brand recognition.
Major Acquisitions
Bridge Bancorp
- Year: 2021
- Acquisition Price (USD millions): 489
- Strategic Rationale: Expanded Dime's presence on Long Island and increased its commercial banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require access to the last few years. Please refer to the latest SEC filings (10-K, 10-Q) for accurate figures.
Future Projections: Future projections require access to analyst reports. Please refer to financial news and data providers for estimates.
Recent Initiatives: Recent initiatives include investments in technology and digital banking capabilities.
Summary
Dime Community Bancshares is a regionally focused bank with strengths in the New York metro area, particularly in commercial real estate. While it benefits from its local market knowledge, it faces competition from larger institutions and potential economic downturns. Recent acquisitions have boosted its market position and capabilities, but careful risk management is crucial given its concentration in commercial real estate. Its ability to adapt to digital banking trends will also be a key factor for future growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q), Company Website, Financial News Providers
Disclaimers:
This analysis is based on publicly available information and does not constitute financial advice. Market share estimates are approximate and may vary.
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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