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Upturn AI SWOT - About
Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 (DCOMG)
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Upturn Advisory Summary
10/24/2025: DCOMG (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 5.65% | Avg. Invested days 53 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/24/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 1.1 | 52 Weeks Range 24.00 - 26.96 | Updated Date 06/29/2025 |
52 Weeks Range 24.00 - 26.96 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.75% | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.06% | Operating Margin (TTM) 34.95% |
Management Effectiveness
Return on Assets (TTM) 0.49% | Return on Equity (TTM) 5.5% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 36914215 |
Shares Outstanding - | Shares Floating 36914215 | ||
Percent Insiders - | Percent Institutions - |
Upturn AI SWOT
Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034
Company Overview
History and Background
These are subordinated notes issued by Dime Community Bancshares, Inc. Subordinated notes are a type of debt that ranks below other debts if the company faces liquidation or bankruptcy. The 9.000% refers to the fixed interest rate until a certain date, after which it becomes a floating rate. The notes mature in 2034.
Core Business Areas
Leadership and Structure
Not applicable to the Notes. For Dime Community Bancshares, refer to their corporate governance structure.
Top Products and Market Share
Key Offerings
Market Dynamics
Industry Overview
The market for subordinated debt is influenced by interest rates, credit spreads, and the overall health of the financial sector.
Positioning
The attractiveness of these notes depends on Dime Community Bancshares' creditworthiness and the prevailing interest rate environment.
Total Addressable Market (TAM)
The TAM is the total amount of institutional debt issued annually in the financial sector. Dime's position depends on its credit rating and investor demand for its notes.
Upturn SWOT Analysis
Strengths
- Fixed-to-floating rate structure may be attractive to investors.
- Yield compared to other debt securities.
Weaknesses
- Subordinated status.
- Callable by the issuer.
- Interest rate risk in a rising rate environment.
Opportunities
- Attract investors seeking fixed income.
- Potential for capital appreciation if Dime's creditworthiness improves.
Threats
- Deterioration of Dime's financial condition.
- Rising interest rates.
- Changes in regulations affecting financial institutions.
Competitors and Market Share
Key Competitors
Competitive Landscape
Dime Community Bancshares competes with other financial institutions for funding and investment capital.
Growth Trajectory and Initiatives
Historical Growth: Not applicable to the notes themselves, but related to Dime Community Bancshares' financial statements.
Future Projections: Not applicable to the notes themselves, but related to Dime Community Bancshares' financial statements.
Recent Initiatives: Not applicable to the notes themselves, but related to Dime Community Bancshares' financial statements.
Summary
Dime Community Bancshares' 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 are debt instruments with specific risk and return characteristics. These notes represent a means for Dime to raise capital. The performance of the notes is directly tied to the financial health and stability of Dime Community Bancshares. Potential investors need to carefully evaluate Dime's creditworthiness and the prevailing interest rate environment. The subordinated status indicates higher risk compared to senior debt.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Dime Community Bancshares' investor relations materials
- Financial news sources
- SEC filings
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual circumstances and professional advice.
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. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034
Exchange NASDAQ | Headquaters Hauppauge, NY, United States | ||
IPO Launch date 2024-07-02 | CEO, President & Director Mr. Stuart H. Lubow | ||
Sector - | Industry - | Full time employees 851 | Website https://www.dime.com |
Full time employees 851 | 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 also 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. The company was founded in 1910 and is headquartered in Hauppauge, New York.
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