Dime Community Bancshares Past Earnings Performance
Past criteria checks 4/6
Dime Community Bancshares's earnings have been declining at an average annual rate of -6.4%, while the Banks industry saw earnings growing at 2.8% annually. Revenues have been declining at an average rate of 0.1% per year. Dime Community Bancshares's return on equity is 8.3%, and it has net margins of 26.8%.
Key information
-6.42%
Earnings growth rate
-9.11%
EPS growth rate
| Banks Industry Growth | 11.18% |
| Revenue growth rate | -0.096% |
| Return on equity | 8.27% |
| Net Margin | 26.78% |
| Last Earnings Update | 31 Mar 2026 |
Recent past performance updates
Recent updates
Narrative Update • Apr 24
DCOM: Future Loan Repricing And Margin Recovery Will Support Higher Returns
Analysts have nudged their price target on Dime Community Bancshares higher by $0.60 to $40.20, citing updated expectations around net interest margin recovery and loan repricing. These factors support the revised fair value and a slightly lower assumed discount rate.Narrative Update • Apr 09
DCOM: Future Loan Repricing And Margin Recovery Will Shape A Balanced Outlook
Analysts have raised the average price target for Dime Community Bancshares by $1 to $37, citing expectations for continued net interest margin recovery supported by meaningful loan repricing anticipated in 2026 and 2027. Analyst Commentary Recent Street research on Dime Community Bancshares has focused on how future loan repricing and net interest margin trends could affect both earnings power and valuation over the next few years.Narrative Update • Mar 26
DCOM: Loan Repricing And Margin Recovery Will Support A More Constructive Outlook
Analysts have nudged their fair value estimate for Dime Community Bancshares slightly higher to $39.60, supported by a modest adjustment to the discount rate and Street research pointing to continued net interest margin recovery, helped by expected loan repricing in 2026 and 2027 and higher price targets such as Piper Sandler's move to $37. Analyst Commentary Recent Street research on Dime Community Bancshares has focused on how future loan repricing and net interest margin trends could influence both valuation and execution risk over the next few years.Narrative Update • Mar 07
DCOM: Higher Future P/E Assumptions Will Support A More Constructive Outlook
Analysts have nudged their price targets on Dime Community Bancshares higher, lifting fair value estimates from $38.60 to $39.40. The revised targets are backed by updated assumptions around discount rate, revenue growth, profit margin and future P/E.Narrative Update • Feb 20
DCOM: Rising Earnings Confidence Will Support A More Constructive Future Outlook
Analysts have lifted their average price targets for Dime Community Bancshares by a few dollars per share, reflecting updated views on its earnings power and valuation following recent research from Stephens, DA Davidson and Keefe Bruyette. Analyst Commentary Recent research points to a cluster of higher price targets for Dime Community Bancshares, with adjustments ranging from US$2 to US$6 per share.Narrative Update • Feb 06
DCOM: Modest Fair Value Shift Will Reflect Balanced Execution And Risk Outlook
Narrative Update The analyst fair value estimate for Dime Community Bancshares has shifted to $38.60 from $37.60, as analysts incorporate recent Street research that points to modestly adjusted discount rate assumptions, slightly higher revenue and profit margin inputs, and a marginally lower future P/E outlook. Analyst Commentary Recent Street research on Dime Community Bancshares has centered on price target adjustments that feed directly into updated fair value work, with analysts refining their assumptions on discount rates, revenue trajectory, margins, and future P/E levels.Narrative Update • Jan 22
DCOM: Higher P/E Assumptions And Margin Outlook Will Support Upside Potential
Narrative Update: Dime Community Bancshares The analyst price target for Dime Community Bancshares has been raised from US$36.00 to about US$37.60. Analysts cite views on net interest margin trends, balance sheet growth, and updated P/E assumptions as key drivers for the change.Analysis Article • Jan 14
Dime Community Bancshares' (NASDAQ:DCOM) Dividend Will Be $0.25
The board of Dime Community Bancshares, Inc. ( NASDAQ:DCOM ) has announced that it will pay a dividend of $0.25 per...Analysis Article • Dec 20
Dime Community Bancshares (NASDAQ:DCOM) Has Announced A Dividend Of $0.25
Dime Community Bancshares, Inc.'s ( NASDAQ:DCOM ) investors are due to receive a payment of $0.25 per share on 23rd of...Analysis Article • Oct 16
Dime Community Bancshares (NASDAQ:DCOM) Will Pay A Dividend Of $0.25
Dime Community Bancshares, Inc. ( NASDAQ:DCOM ) has announced that it will pay a dividend of $0.25 per share on the...Seeking Alpha • Sep 21
Dime Community Bancshares: Despite Big Improvements, An Upgrade Is Premature
Summary Dime Community Bancshares remains rated a 'hold' due to elevated valuation and subpar asset quality compared to peers. Recent improvements include higher net interest income, margin expansion, and debt reduction, but deposit and loan growth remain modest. DCOM trades at a price-to-earnings multiple above the preferred level for the sector, despite average price-to-book metrics. Return on assets and equity lag industry benchmarks, justifying a neutral stance until valuation or asset quality improves. Read the full article on Seeking AlphaAnalysis Article • Jul 15
Dime Community Bancshares' (NASDAQ:DCOM) Dividend Will Be $0.25
Dime Community Bancshares, Inc. ( NASDAQ:DCOM ) has announced that it will pay a dividend of $0.25 per share on the...Seeking Alpha • Apr 23
Dime Community Bancshares: Well, I Was Wrong
Summary I downgraded Dime Community Bancshares to a 'Hold' last year, but the stock has since surged 42.7%, outperforming the S&P 500. Despite improvements in net interest income and profitability, the stock remains expensive relative to earnings, justifying my 'Hold' rating. Asset quality remains a concern, with DCOM lagging behind peers in return on assets and equity. Management's efforts to boost deposits and reduce debt are promising, but the stock's current valuation warrants a cautious approach. Read the full article on Seeking AlphaAnalysis Article • Apr 15
Dime Community Bancshares' (NASDAQ:DCOM) Dividend Will Be $0.25
Dime Community Bancshares, Inc. ( NASDAQ:DCOM ) has announced that it will pay a dividend of $0.25 per share on the...Analysis Article • Apr 01
Dime Community Bancshares (NASDAQ:DCOM) Is Paying Out A Dividend Of $0.25
Dime Community Bancshares, Inc. ( NASDAQ:DCOM ) has announced that it will pay a dividend of $0.25 per share on the...Seeking Alpha • Feb 03
Dime Community Bancshares: Baby Bond Offers An 8.1% Yield To Maturity
Summary Dime Community Bancshares' baby bonds are now a better income option than preferred shares due to recent market movements and stable performance. The bank's net interest margin and net interest spread have significantly improved, driven by a drop in borrowing yields and stable asset yields. Impressive deposit growth outpaced loan growth, reducing the loan-to-deposit ratio and external borrowing, which should enhance future earnings. Despite risks in non-owner occupied commercial real estate loans and low loan loss allowances, baby bonds remain a safer investment due to their seniority. Read the full article on Seeking AlphaAnalysis Article • Dec 22
Dime Community Bancshares (NASDAQ:DCOM) Will Pay A Dividend Of $0.25
Dime Community Bancshares, Inc.'s ( NASDAQ:DCOM ) investors are due to receive a payment of $0.25 per share on 24th of...Seeking Alpha • Nov 14
Dime Community Bancshares: Consider Shifting From Baby Bonds To Preferred Shares
Summary Dime Community Bancshares has seen significant improvements in net interest income due to 6% year-over-year deposit growth. DCOM's loan to deposit ratio has moderated to 95%, reducing external borrowing and lowering future borrowing costs. Risks include high loan concentration in multifamily lending and non-owner-occupied commercial real estate, with an inadequate allowance for credit losses. Preferred shares offer better capital appreciation and income potential compared to baby bonds, which are trading at a premium and face uncertain future yields. Read the full article on Seeking AlphaAnalysis Article • Oct 01
Dime Community Bancshares (NASDAQ:DCOM) Will Pay A Dividend Of $0.25
Dime Community Bancshares, Inc. ( NASDAQ:DCOM ) will pay a dividend of $0.25 on the 24th of October. Based on this...
New Narrative • Sep 24
Decisive Growth And Diversification Drives Future Profitability And Expansion For The Bank
Strategic focus on core deposit and business loan growth paired with reduction in higher cost funding improves profitability and earnings potential.Seeking Alpha • Aug 01
Dime Community Bancshares: New 9% Coupon Baby Bond Offers Attractive Income
Summary Dime Community Bancshares has struggled with higher interest rates and deposit competition. The latest financial results show improvements in net interest spread and income, despite challenges. Baby bond offering with 9% coupon provides higher income potential for investors compared to common and preferred shares. Read the full article on Seeking AlphaAnalysis Article • Jul 04
Dime Community Bancshares (NASDAQ:DCOM) Will Pay A Dividend Of $0.25
Dime Community Bancshares, Inc. ( NASDAQ:DCOM ) has announced that it will pay a dividend of $0.25 per share on the...Revenue & Expenses Breakdown
Revenue & Expenses Breakdown
How Dime Community Bancshares makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Mar 26 | 427 | 114 | 222 | 0 |
| 31 Dec 25 | 410 | 102 | 217 | 0 |
| 30 Sep 25 | 341 | 50 | 212 | 0 |
| 30 Jun 25 | 314 | 36 | 209 | 0 |
| 31 Mar 25 | 295 | 25 | 204 | 0 |
| 31 Dec 24 | 278 | 21 | 199 | 0 |
| 30 Sep 24 | 314 | 58 | 191 | 0 |
| 30 Jun 24 | 320 | 59 | 185 | 0 |
| 31 Mar 24 | 328 | 68 | 181 | 0 |
| 31 Dec 23 | 350 | 88 | 176 | 0 |
| 30 Sep 23 | 377 | 111 | 178 | 0 |
| 30 Jun 23 | 397 | 135 | 177 | 0 |
| 31 Mar 23 | 413 | 146 | 175 | 0 |
| 31 Dec 22 | 413 | 144 | 179 | 0 |
| 30 Sep 22 | 409 | 139 | 177 | 0 |
| 30 Jun 22 | 415 | 138 | 176 | 0 |
| 31 Mar 22 | 437 | 151 | 177 | 0 |
| 31 Dec 21 | 410 | 95 | 170 | 0 |
| 30 Sep 21 | 360 | 66 | 149 | 0 |
| 30 Jun 21 | 295 | 44 | 127 | 0 |
| 31 Mar 21 | 214 | 6 | 104 | 0 |
| 31 Dec 20 | 179 | 37 | 90 | 0 |
| 30 Sep 20 | 165 | 41 | 88 | 0 |
| 30 Jun 20 | 148 | 32 | 86 | 0 |
| 31 Mar 20 | 142 | 33 | 83 | 0 |
| 31 Dec 19 | 142 | 36 | 83 | 0 |
| 30 Sep 19 | 144 | 41 | 76 | 0 |
| 30 Jun 19 | 152 | 49 | 74 | 0 |
| 31 Mar 19 | 150 | 48 | 72 | 0 |
| 31 Dec 18 | 154 | 51 | 72 | 0 |
| 30 Sep 18 | 169 | 54 | 70 | 0 |
| 30 Jun 18 | 174 | 56 | 69 | 0 |
| 31 Mar 18 | 176 | 55 | 68 | 0 |
| 31 Dec 17 | 174 | 52 | 67 | 0 |
| 30 Sep 17 | 160 | 37 | 76 | 0 |
| 30 Jun 17 | 153 | 34 | 74 | 0 |
| 31 Mar 17 | 152 | 34 | 73 | 0 |
| 31 Dec 16 | 217 | 72 | 71 | 0 |
| 30 Sep 16 | 213 | 83 | 61 | 0 |
| 30 Jun 16 | 210 | 83 | 58 | 0 |
| 31 Mar 16 | 209 | 83 | 56 | 0 |
| 31 Dec 15 | 139 | 45 | 56 | 0 |
| 30 Sep 15 | 139 | 45 | 54 | 0 |
| 30 Jun 15 | 140 | 47 | 54 | 0 |
Quality Earnings: DCOM has high quality earnings.
Growing Profit Margin: DCOM's current net profit margins (26.8%) are higher than last year (8.5%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: DCOM's earnings have declined by 6.4% per year over the past 5 years.
Accelerating Growth: DCOM's earnings growth over the past year (355%) exceeds its 5-year average (-6.4% per year).
Earnings vs Industry: DCOM earnings growth over the past year (355%) exceeded the Banks industry 22.8%.
Return on Equity
High ROE: DCOM's Return on Equity (8.3%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/26 18:01 |
| End of Day Share Price | 2026/05/26 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
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.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Dime Community Bancshares, Inc. is covered by 12 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Bruce Harting | Barclays |
| null null | D.A. Davidson & Co. |
| Peter Winter | D.A. Davidson & Co. |