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

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$26.38
Last Close (24-hour delay)
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PASS
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Upturn Advisory Summary

08/14/2025: DCOMG (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

0 Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

Analysis of Past Performance

Type Stock
Historic Profit 5.89%
Avg. Invested days 71
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 5.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

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 -

ai summary icon Upturn AI SWOT

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

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 851

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.