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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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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/27/2025: 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.
Number of Analysts
0 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Year Target Price $
Year Target Price $
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 6.4% | Avg. Invested days 61 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/27/2025 |
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 - |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034
Company Overview
History and Background
This request focuses specifically on the Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034. This is a debt instrument of Dime Community Bancshares (DCOM), and not a separate company with its own history. Information will relate directly to the notes and indirectly to DCOM.
Core Business Areas
Leadership and Structure
The notes do not have leadership or structure. Dime Community Bancshares (DCOM) issues the notes, so DCOM's leadership governs the notes.
Top Products and Market Share
Key Offerings
- Subordinated Notes: These notes are a form of debt financing for Dime Community Bancshares (DCOM). As debt, they compete with other forms of borrowing (bank loans, other bond offerings). Market share is not directly applicable, it relates to the overall debt market and DCOM's access to it.
Market Dynamics
Industry Overview
The market for subordinated debt is influenced by interest rates, credit spreads, and investor sentiment. Community banks use this form of funding to manage capital ratios and support growth.
Positioning
Dime Community Bancshares (DCOM) issues these notes as a way to manage its capital structure. Its position depends on its creditworthiness and ability to attract investors.
Total Addressable Market (TAM)
The TAM for subordinated debt includes all financial institutions eligible to issue such instruments. Dime Community Bancshares' position is determined by its individual needs and perceived risk.
Upturn SWOT Analysis
Strengths
- Fixed-to-floating rate structure can attract investors
- Subordinated debt can improve capital ratios
- Diversifies funding sources for DCOM
Weaknesses
- Interest payments increase DCOM's expenses
- Subordinated status means higher risk for investors
- Terms are inflexible
Opportunities
- Favorable interest rate environment for issuing debt
- Investor demand for fixed-income securities
- Potential for refinancing at a lower rate in the future
Threats
- Rising interest rates could make the notes less attractive
- Deterioration in DCOM's creditworthiness
- Changes in regulations regarding subordinated debt
Competitors and Market Share
Key Competitors
Competitive Landscape
This analysis pertains to the market for subordinated debt in general, rather than specific competitors. Competitors would be other issuers of similar notes.
Growth Trajectory and Initiatives
Historical Growth: N/A
Future Projections: N/A
Recent Initiatives: N/A
Summary
Dime Community Bancshares issued these subordinated notes to bolster its capital base. The fixed-to-floating rate structure is designed to be attractive to investors. Rising interest rates could pose a risk to DCOM if it needs to refinance in the future. Investors in these notes face the credit risk of DCOM.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Dime Community Bancshares SEC Filings
- Market data providers
Disclaimers:
This analysis is for informational purposes only and does not constitute investment advice. Investing in securities involves risk, and you could lose money.
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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