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Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 (DCOMG)



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Upturn Advisory Summary
08/14/2025: DCOMG (1-star) is currently NOT-A-BUY. Pass it for now.
Analysis of Past Performance
Type Stock | Historic Profit 5.89% | Avg. Invested days 71 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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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
Dime Community Bancshares, Inc. is a community-oriented bank originally founded as The Dime Savings Bank of Williamsburgh in 1864. It has evolved from a mutual savings bank to a commercial bank, focusing on serving the needs of businesses and individuals in the New York metropolitan area. The 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 represent a specific debt instrument issued by the company to raise capital.
Core Business Areas
- Commercial Lending: Provides loans to small and medium-sized businesses, including commercial real estate loans, construction loans, and equipment financing.
- Residential Lending: Offers mortgage loans to individuals for the purchase or refinance of residential properties.
- Retail Banking: Provides deposit accounts, including checking, savings, and money market accounts, as well as other retail banking services.
- Wealth Management: Offers wealth management and financial planning services to individuals and families.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure includes departments for lending, retail banking, finance, operations, and risk management. Key figures include the CEO and CFO.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. No specific market share data available. Competitors include other regional and national banks specializing in CRE lending. Competitors: Signature Bank (SBNY), New York Community Bancorp (NYCB).
- Residential Mortgages: Mortgage loans for residential properties. No specific market share data available. Competitors include national mortgage lenders and other regional banks. Competitors: JPMorgan Chase (JPM), Wells Fargo (WFC).
- Deposit Accounts: Checking, savings, and money market accounts. No specific market share data available. Competitors include other banks and credit unions offering deposit products. Competitors: Bank of America (BAC), Citibank (C).
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory oversight. It is influenced by interest rate fluctuations, economic conditions, and technological advancements. The community banking sector faces pressure from larger institutions and fintech companies.
Positioning
Dime Community Bancshares positions itself as a relationship-focused community bank with a strong presence in the New York metropolitan area. Its competitive advantages include local market knowledge and personalized customer service.
Total Addressable Market (TAM)
The TAM for banking services in the New York metropolitan area is estimated to be hundreds of billions of dollars. Dime Community Bancshares, with its regional focus, captures a small but significant portion of this market.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Relationship-focused banking model
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller size compared to larger competitors
- Reliance on commercial real estate lending
- Higher cost structure than some competitors
Opportunities
- Expansion into new markets within the New York metropolitan area
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Potential for strategic acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn affecting loan demand and credit quality
- Rising interest rates impacting net interest margin
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- NYCB
- SBNY
- MTB
Competitive Landscape
Dime Community Bancshares competes with larger regional and national banks, as well as smaller community banks and credit unions. Its advantages include a strong local presence and relationship-based banking model. Disadvantages include smaller size and limited geographic diversification.
Major Acquisitions
Bridge Bancorp, Inc.
- Year: 2021
- Acquisition Price (USD millions): 489
- Strategic Rationale: Expanded Dime's presence on Long Island and enhanced its commercial banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: Assessing historical growth requires a review of Dime Community Bancshares, Inc. (DCOM)'s financial performance over the past several years. This includes analyzing revenue growth, loan growth, and profitability.
Future Projections: Future growth projections are typically based on analyst estimates, which consider factors such as economic conditions, industry trends, and company-specific strategies. These estimates can be found on financial news websites.
Recent Initiatives: Recent initiatives include digital banking enhancements, expansion of wealth management services, and strategic acquisitions.
Summary
Dime Community Bancshares is a regional bank with a solid presence in the New York metropolitan area. Its strengths lie in its local market knowledge and relationship-focused approach. However, it faces challenges from larger competitors and economic uncertainties. Expansion into new markets and increased adoption of digital technologies are key opportunities for future growth. It must continue to diversify its portfolio and manage its costs.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, financial news websites, analyst reports, industry publications.
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Financial data is subject to change. Past performance is not indicative of future results.
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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