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Dime Community Bancshares NasdaqGS:DCOM Stock Report

Last Price


Market Cap







30 Sep, 2022


Company Financials +
DCOM fundamental analysis
Snowflake Score
Future Growth1/6
Past Performance5/6
Financial Health6/6

DCOM Stock Overview

Dime Community Bancshares, Inc. operates as the holding company for Dime Community Bank that provides various commercial banking and financial services.

Dime Community Bancshares Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Dime Community Bancshares
Historical stock prices
Current Share PriceUS$29.28
52 Week HighUS$38.35
52 Week LowUS$28.36
1 Month Change-6.33%
3 Month Change-2.85%
1 Year Change-12.91%
3 Year Change-11.75%
5 Year Change-14.15%
Change since IPO447.87%

Recent News & Updates

Sep 25
Dime Community Bancshares (NASDAQ:DCOM) Is Due To Pay A Dividend Of $0.24

Dime Community Bancshares (NASDAQ:DCOM) Is Due To Pay A Dividend Of $0.24

Dime Community Bancshares, Inc. ( NASDAQ:DCOM ) has announced that it will pay a dividend of $0.24 per share on the...

Sep 21

Dime Community Bancshares declares $0.24 dividend

Dime Community Bancshares (NASDAQ:DCOM) declares $0.24/share quarterly dividend, in line with previous. Forward yield 3.03% Payable Oct. 24; for shareholders of record Oct. 17; ex-div Oct. 14. See DCOM Dividend Scorecard, Yield Chart, & Dividend Growth.

Shareholder Returns

DCOMUS BanksUS Market

Return vs Industry: DCOM exceeded the US Banks industry which returned -23.9% over the past year.

Return vs Market: DCOM exceeded the US Market which returned -21.5% over the past year.

Price Volatility

Is DCOM's price volatile compared to industry and market?
DCOM volatility
DCOM Average Weekly Movement3.4%
Banks Industry Average Movement3.4%
Market Average Movement6.9%
10% most volatile stocks in US Market15.6%
10% least volatile stocks in US Market2.8%

Stable Share Price: DCOM is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.

Volatility Over Time: DCOM's weekly volatility (3%) has been stable over the past year.

About the Company

1910802Kevin O'Connor

Dime Community Bancshares, Inc. operates as the holding company for Dime Community Bank that provides various commercial banking and financial services. It accepts time, savings, and demand deposits from the businesses, consumers, and local municipalities. The company also offers commercial real estate loans; multi-family mortgage loans; residential mortgage loans; secured and unsecured commercial and consumer loans; home equity loans; and construction and land loans.

Dime Community Bancshares Fundamentals Summary

How do Dime Community Bancshares's earnings and revenue compare to its market cap?
DCOM fundamental statistics
Market CapUS$1.13b
Earnings (TTM)US$137.74m
Revenue (TTM)US$398.73m


P/E Ratio


P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
DCOM income statement (TTM)
Cost of RevenueUS$0
Gross ProfitUS$398.73m
Other ExpensesUS$260.99m

Last Reported Earnings

Jun 30, 2022

Next Earnings Date


Earnings per share (EPS)3.57
Gross Margin100.00%
Net Profit Margin34.54%
Debt/Equity Ratio34.7%

How did DCOM perform over the long term?

See historical performance and comparison



Current Dividend Yield


Payout Ratio

Does DCOM pay a reliable dividends?

See DCOM dividend history and benchmarks
When do you need to buy DCOM by to receive an upcoming dividend?
Dime Community Bancshares dividend dates
Ex Dividend DateOct 14 2022
Dividend Pay DateOct 24 2022
Days until Ex dividend12 days
Days until Dividend pay date22 days

Does DCOM pay a reliable dividends?

See DCOM dividend history and benchmarks
We’ve recently updated our valuation analysis.


Is DCOM undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score


Valuation Score 5/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for DCOM?

Other financial metrics that can be useful for relative valuation.

DCOM key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio2x

Price to Earnings Ratio vs Peers

How does DCOM's PE Ratio compare to its peers?

DCOM PE Ratio vs Peers
The above table shows the PE ratio for DCOM vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average6.6x
LOB Live Oak Bancshares
CUBI Customers Bancorp
OFG OFG Bancorp
PFC Premier Financial
DCOM Dime Community Bancshares

Price-To-Earnings vs Peers: DCOM is expensive based on its Price-To-Earnings Ratio (8.2x) compared to the peer average (6.6x).

Price to Earnings Ratio vs Industry

How does DCOM's PE Ratio compare vs other companies in the US Banks Industry?

Price-To-Earnings vs Industry: DCOM is good value based on its Price-To-Earnings Ratio (8.2x) compared to the US Banks industry average (9.4x)

Price to Earnings Ratio vs Fair Ratio

What is DCOM's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

DCOM PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio8.2x
Fair PE Ratio12x

Price-To-Earnings vs Fair Ratio: DCOM is good value based on its Price-To-Earnings Ratio (8.2x) compared to the estimated Fair Price-To-Earnings Ratio (12x).

Share Price vs Fair Value

What is the Fair Price of DCOM when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: DCOM ($29.28) is trading below our estimate of fair value ($39.95)

Significantly Below Fair Value: DCOM is trading below fair value by more than 20%.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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Future Growth

How is Dime Community Bancshares forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?

Future Growth Score


Future Growth Score 1/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings vs Savings Rate: DCOM's forecast earnings growth (4.2% per year) is above the savings rate (1.9%).

Earnings vs Market: DCOM's earnings (4.2% per year) are forecast to grow slower than the US market (14.7% per year).

High Growth Earnings: DCOM's earnings are forecast to grow, but not significantly.

Revenue vs Market: DCOM's revenue (5.2% per year) is forecast to grow slower than the US market (7.6% per year).

High Growth Revenue: DCOM's revenue (5.2% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: DCOM's Return on Equity is forecast to be low in 3 years time (12%).

Discover growth companies

Past Performance

How has Dime Community Bancshares performed over the past 5 years?

Past Performance Score


Past Performance Score 5/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: DCOM has high quality earnings.

Growing Profit Margin: DCOM's current net profit margins (34.5%) are higher than last year (15.1%).

Past Earnings Growth Analysis

Earnings Trend: DCOM's earnings have grown by 19.3% per year over the past 5 years.

Accelerating Growth: DCOM's earnings growth over the past year (215.9%) exceeds its 5-year average (19.3% per year).

Earnings vs Industry: DCOM earnings growth over the past year (215.9%) exceeded the Banks industry 8.5%.

Return on Equity

High ROE: DCOM's Return on Equity (12.9%) is considered low.

Discover strong past performing companies

Financial Health

How is Dime Community Bancshares's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score


Financial Health Score 6/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Financial Institutions Analysis

Asset Level: DCOM's Assets to Equity ratio (10.8x) is moderate.

Allowance for Bad Loans: DCOM has a sufficient allowance for bad loans (219%).

Low Risk Liabilities: 94% of DCOM's liabilities are made up of primarily low risk sources of funding.

Loan Level: DCOM has an appropriate level of Loans to Assets ratio (78%).

Low Risk Deposits: DCOM's Loans to Deposits ratio (91%) is appropriate.

Level of Bad Loans: DCOM has an appropriate level of bad loans (0.4%).

Discover healthy companies


What is Dime Community Bancshares's current dividend yield, its reliability and sustainability?

Dividend Score


Dividend Score 5/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


Current Dividend Yield

Upcoming Dividend Payment

TodayOct 01 2022Ex Dividend DateOct 14 2022Dividend Pay DateOct 24 202210 days from Ex DividendBuy in the next 12 days to receive the upcoming dividend

Dividend Yield vs Market

Dime Community Bancshares Dividend Yield vs Market
How does Dime Community Bancshares dividend yield compare to the market?
SegmentDividend Yield
Company (Dime Community Bancshares)3.3%
Market Bottom 25% (US)1.7%
Market Top 25% (US)4.7%
Industry Average (Banks)3.4%
Analyst forecast in 3 Years (Dime Community Bancshares)3.3%

Notable Dividend: DCOM's dividend (3.28%) is higher than the bottom 25% of dividend payers in the US market (1.66%).

High Dividend: DCOM's dividend (3.28%) is low compared to the top 25% of dividend payers in the US market (4.7%).

Stability and Growth of Payments

Stable Dividend: DCOM's dividends per share have been stable in the past 10 years.

Growing Dividend: DCOM's dividend payments have increased over the past 10 years.

Current Payout to Shareholders

Earnings Coverage: With its reasonably low payout ratio (27.6%), DCOM's dividend payments are well covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: DCOM's dividends in 3 years are forecast to be well covered by earnings (24.1% payout ratio).

Discover strong dividend paying companies


How experienced are the management team and are they aligned to shareholders interests?


Average management tenure


Kevin O'Connor (59 yo)





Mr. Kevin M. O’Connor serves as Chief Executive Officer at Dime Community Bancshares, Inc. and Dime Community Bank since February 1, 2021. He served as President and CEO at Bridge Bancorp, Inc. since Janua...

CEO Compensation Analysis

Kevin O'Connor's Compensation vs Dime Community Bancshares Earnings
How has Kevin O'Connor's remuneration changed compared to Dime Community Bancshares's earnings?
DateTotal Comp.SalaryCompany Earnings
Jun 30 2022n/an/a


Mar 31 2022n/an/a


Dec 31 2021US$10mUS$886k


Compensation vs Market: Kevin's total compensation ($USD9.67M) is above average for companies of similar size in the US market ($USD4.14M).

Compensation vs Earnings: Insufficient data to compare Kevin's compensation with company performance.

Leadership Team

Experienced Management: DCOM's management team is considered experienced (3.5 years average tenure).

Board Members

Experienced Board: DCOM's board of directors are seasoned and experienced ( 15.7 years average tenure).


Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: DCOM insiders have sold more shares than they have bought in the past 3 months.

Recent Insider Transactions

NasdaqGS:DCOM Recent Insider Transactions by Companies or Individuals
DateValueNameEntityRoleSharesMax Price
29 Aug 22SellUS$100,750Christopher PorzeltIndividual3,100US$32.50
24 Aug 22SellUS$5,124,685Basswood Capital Management, L.L.C.Company158,407US$32.88
22 Aug 22SellUS$2,154,042Basswood Capital Management, L.L.C.Company63,376US$34.54
22 Aug 22SellUS$250,127Joseph PerryIndividual7,559US$33.09
17 Aug 22SellUS$2,226,750Basswood Capital Management, L.L.C.Company63,423US$35.22
15 Aug 22SellUS$1,051,800Kenneth MahonIndividual30,000US$35.06
12 Aug 22SellUS$865,000Kenneth MahonIndividual25,000US$34.60
11 Aug 22SellUS$688,200Kenneth MahonIndividual20,000US$34.41
04 Aug 22SellUS$279,620Basswood Capital Management, L.L.C.Company8,397US$33.30
03 Aug 22SellUS$2,336,860Basswood Capital Management, L.L.C.Company69,000US$34.04
02 Aug 22BuyUS$61,459Raymond NielsenIndividual1,798US$34.22
08 Jun 22SellUS$800,179Basswood Capital Management, L.L.C.Company26,201US$30.54
07 Jun 22SellUS$2,661,955Basswood Capital Management, L.L.C.Company85,094US$31.44
19 May 22SellUS$289,300Basswood Capital Management, L.L.C.Company10,000US$28.93
18 May 22SellUS$5,672,700Basswood Capital Management, L.L.C.Company187,100US$30.67
12 May 22SellUS$2,888,113Basswood Capital Management, L.L.C.Company94,130US$31.07
28 Feb 22SellUS$382,166Basswood Capital Management, L.L.C.Company11,270US$33.91
14 Feb 22SellUS$182,444Basswood Capital Management, L.L.C.Company5,366US$34.00
31 Dec 21BuyUS$12,996Christopher PorzeltIndividual389US$33.41
13 Dec 21SellUS$3,040,343Basswood Capital Management, L.L.C.Company91,527US$33.92
08 Dec 21SellUS$452,057Basswood Capital Management, L.L.C.Company13,171US$34.94
02 Dec 21SellUS$51,612Christopher PorzeltIndividual1,470US$35.11

Ownership Breakdown

What is the ownership structure of DCOM?
Owner TypeNumber of SharesOwnership Percentage
Employee Share Scheme1,1280.003%
Hedge Funds2,307,0956.0%
Individual Insiders3,441,4188.9%
General Public6,637,18417.2%

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Top 25 shareholders own 66.77% of the company
OwnershipNameSharesCurrent ValueChange %Portfolio %
BlackRock, Inc.
5,366,727$157.1m-0.75%no data
T. Rowe Price Group, Inc.
Dimensional Fund Advisors LP
Basswood Capital Management, L.L.C.
The Vanguard Group, Inc.
2,267,887$66.4m4.63%no data
State Street Global Advisors, Inc.
1,452,603$42.5m-1.64%no data
William Blair Investment Management, LLC
Brown Advisory Incorporated
Systematic Financial Management LP
Geode Capital Management, LLC
610,654$17.9m-2.5%no data
Vincent Palagiano
590,547$17.3m-0.28%no data
Polaris Capital Management, LLC
Michael Devine
441,837$12.9m0.38%no data
BNY Mellon Asset Management
416,430$12.2m-4.79%no data
Invesco Capital Management LLC
Northern Trust Global Investments
396,900$11.6m-1.88%no data
LSV Asset Management
Ulysses Management LLC
Matthew Lindenbaum
306,253$9.0m2.32%no data
Kenneth Mahon
273,874$8.0m-21.49%no data
Kevin O'Connor
267,728$7.8m0%no data
Columbia Management Investment Advisers, LLC
257,127$7.5m-2.26%no data
Stuart Lubow
254,278$7.4m-0.28%no data
Renaissance Technologies LLC
Charles Schwab Investment Management, Inc.
231,499$6.8m-3.18%no data

Company Information

Dime Community Bancshares, Inc.'s employee growth, exchange listings and data sources

Key Information

  • Name: Dime Community Bancshares, Inc.
  • Ticker: DCOM
  • Exchange: NasdaqGS
  • Founded: 1910
  • Industry: Regional Banks
  • Sector: Banks
  • Implied Market Cap: US$1.130b
  • Shares outstanding: 38.60m
  • Website:

Number of Employees


  • Dime Community Bancshares, Inc.
  • 898 Veterans Memorial Highway
  • Suite 560
  • Hauppauge
  • New York
  • 11788
  • United States


TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
DCOMNasdaqGS (Nasdaq Global Select)YesNew Common StockUSUSDJun 1996
DCOM.PNasdaqGS (Nasdaq Global Select)5.5% NCUM PFD AUSUSDFeb 2021

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/09/30 00:00
End of Day Share Price2022/09/30 00:00
Annual Earnings2021/12/31

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.