Dime Community Bancshares, Inc. (DCOM) Stock

Dime Community Bancshares, Inc. (DCOM) is a Financials stock trading at $40.26 (as of 2026-08-20), with a market capitalization of $1.78B and a trailing P/E of 13.5. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Dime Community Bancshares, Inc. is a bank holding company for Dime Community Bank, providing deposit products and commercial and consumer lending, including commercial real estate and mortgage-related loans. It also offers investment securities and payment and cash management services such as online banking, remote deposit capture, and ATM/cash services.

Understand Dime Community Bancshares, Inc.: how it makes money

Dime Community Bancshares operates as the holding company for Dime Community Bank, taking customer deposits and originating commercial real estate, multi-family, residential mortgage, and other commercial and consumer loans, and also investing in government and agency-related instruments.

For this bank, profitability is driven by the balance between loan growth and funding sources (tracked by loan pipeline and demand deposits), and how well credit losses are controlled (tracked by net charge-offs and non-performing loans).

Business quality (Solid): The provided operating KPIs focus on loan production, deposit funding, and credit quality, but there is no clean reportable segment breakdown included in the data here.

Valuation: At 15× earnings, DCOM trades 21% above the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Loan Pipeline remains a key focus: Loan Pipeline is 1.2 USD_B, and Business Loan Pipeline is 1.3 USD_B, indicating active emphasis on new lending opportunities.
  • Funding appears to include meaningful demand deposits: Demand Deposits are 1.2 USD_B, supporting the bank’s ability to fund its loan activity.
  • Credit outcomes show some improvement on a linked-quarter basis: Non-Performing Assets Decrease on Linked-Quarter Basis is 29.0 percent.

Bear case

  • Credit costs look elevated: Net Charge-Offs are 15.0 percent, which can pressure earnings if it persists or worsens.
  • Non-performing and delinquency related measures are still present: Non-Performing Loans are 0.07 USD_B, and Non-Performing Assets and Ninety Days Past Due is 17.0 ratio.
  • Cost of deposit funding can be a headwind: Cost of Deposits is 2.09 percent and Cost of Funds is 1.6 percent, which can reduce the profitability of new and existing lending if it rises faster than earning assets.
Valuation — source: SEC EDGAR (first-party)
Price$40.26
Market Cap$1.78B
P/E Ratio13.5
EV / EBITDA-0.8
Price / Book1.17
Price / Sales76.79
FCF Yield7.7%
DCF Value (model)$39.60
DCF Upside vs Price-1.6%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$19.91M
Net Margin556.0%
Revenue Growth (YoY)19.0%
EPS Growth (YoY)329.1%
Valuation vs Sector & Industry
Stock P/E13.5
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
vs Sector-10.8%
vs Industry4.5%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($204.93M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOStuart H. Lubow
Employees887
CountryUS
IPO Date1999-01-12

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DCOM earnings history · DCOM institutional & insider holders · DCOM KPIs & operating metrics · DCOM financials · DCOM investor presentations & press releases · DCOM SEC filings · DCOM peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.