Dime Community Bancshares, Inc. (DCOM)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Dime Community Bancshares, Inc. (DCOM) trades at $40.34 with AI Score 97/100 (Grade A+). Dime Community Bancshares, Inc. is a regional bank headquartered in Hauppauge, New York, providing a wide range of commercial banking and financial services. Market cap: $1.78B, Sector: Financial services.
Price live · AI analysis from May 10, 2026DCOM stock analysis for 2026: Analysts have set a consensus price target of $36.00 for Dime Community Bancshares, Inc., suggesting 10.8% downside from the current price of $40.34. The AI MoonshotScore is 97/100, indicating a strong bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
DCOM: 5/7 perspectives are bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Dime Community Bancshares, Inc. (DCOM) Financial Services Profile
Dime Community Bancshares, Inc. stands out in the regional banking sector by offering a comprehensive suite of financial services, including commercial and residential loans, while maintaining a strong community focus across Long Island and New York City.
What Is the Investment Thesis for DCOM?
Dime Community Bancshares, Inc. presents a solid investment thesis characterized by a market capitalization of $1.78B and a P/E ratio of 14.1, indicating reasonable valuation relative to earnings. The company's profit margin of 16.6% and gross margin of 57.4% reflect operational efficiency and strong revenue generation capabilities. Growth catalysts include the expansion of its loan portfolio, particularly in commercial real estate and multi-family mortgages, which are expected to drive revenue growth in the coming years. Additionally, the bank's strategic focus on enhancing digital banking services aligns with increasing consumer demand for online financial solutions. However, potential risks include regulatory challenges and economic fluctuations that may impact loan performance and overall profitability.
Based on FMP financials and quantitative analysis
DCOM Key Highlights
- Market capitalization of $1.78B indicates a solid market presence in the regional banking sector.
- P/E ratio of 14.1 suggests a competitive valuation compared to industry peers.
- Profit margin of 16.6% demonstrates strong operational efficiency.
- Gross margin of 57.4% indicates robust revenue generation capabilities.
- Dividend yield of 2.69% provides a return to shareholders amidst growth.
Who Are DCOM's Competitors?
DCOM is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| PBCT People's United Financial, Inc. | $19.41 | +0.00% | 48 | |
| CFR Cullen/Frost Bankers, Inc. | $156.39 | +0.99% | $9.82B | 81 |
| BHB Bar Harbor Bankshares | $37.85 | +0.50% | $633.69M | 59 |
| FMBH First Mid Bancshares, Inc. | $48.66 | +0.42% | $1.30B | 74 |
| SBNY Signature Bank | $0.34 | +0.00% | $37.32M | 60 |
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are DCOM's Key Strengths?
- Strong community presence with a loyal customer base.
- Diverse range of financial products and services.
- Solid financial performance with high profit margins.
- Experienced management team with industry expertise.
What Are DCOM's Weaknesses?
- Limited geographic diversification compared to larger banks.
- Dependence on the New York market for revenue generation.
- Potential exposure to economic downturns affecting local borrowers.
- Lower brand recognition outside of its primary markets.
What Could Drive DCOM Stock Higher?
- Expansion of digital banking services to meet consumer demand.
- Potential geographic expansion into underserved markets in the Northeast.
- Growth in commercial real estate loans as the market recovers.
- Introduction of new financial products tailored to small businesses.
- Strengthening community engagement initiatives to enhance brand loyalty.
What Are the Key Risks for DCOM?
- Financial-distress signal — its Altman Z-Score of -0.57 sits in the distress zone (elevated bankruptcy risk).
- Regulatory challenges that may impact operational flexibility.
- Economic downturns affecting loan performance and credit quality.
- Intense competition from larger financial institutions and fintech firms.
- Cybersecurity threats that could compromise customer information.
What Are the Growth Opportunities for DCOM?
- Expansion of Commercial Real Estate Loans: Dime Community Bancshares is poised to capitalize on the growing demand for commercial real estate financing in urban areas, particularly in New York City. The commercial real estate market is projected to reach $1 trillion by 2028, providing significant opportunities for the bank to increase its loan portfolio and generate higher revenues over the next three to five years.
- Digital Banking Services Enhancement: As consumer preferences shift towards online banking, Dime Community Bancshares plans to enhance its digital banking capabilities. The digital banking market is expected to grow at a CAGR of 10% through 2025, allowing the bank to attract tech-savvy customers and improve operational efficiency, thereby driving growth in deposits and loans.
- Investment in Mortgage-Backed Securities: With interest rates expected to remain favorable, Dime Community Bancshares can expand its investment in mortgage-backed securities. This strategy could enhance yield on investments and provide a stable income stream, capitalizing on the growing demand for housing and mortgage financing.
- Geographic Expansion: The bank may consider expanding its branch network beyond its current footprint in Long Island and New York City. Targeting underserved markets in the Northeast could provide new revenue streams and enhance market share, particularly as regional economies recover.
- Community Engagement Initiatives: By strengthening its community engagement and support for local businesses, Dime Community Bancshares can enhance its brand loyalty and customer retention. Initiatives aimed at small business support and local investment can drive deposit growth and loan demand, contributing to long-term financial stability.
What Opportunities Does DCOM Have?
- Expansion into new geographic markets to increase customer base.
- Enhancement of digital banking services to attract younger customers.
- Growth in commercial real estate lending as the market rebounds.
- Increased investment in technology to improve operational efficiency.
What Threats Does DCOM Face?
- Intense competition from larger banks and fintech companies.
- Regulatory changes impacting banking operations and profitability.
- Economic fluctuations affecting loan performance and credit quality.
- Cybersecurity threats that could compromise customer data.
What Are DCOM's Competitive Advantages?
- Established brand reputation in the Long Island and New York City markets.
- Extensive branch network providing easy access to banking services.
- Strong customer relationships built through community engagement and service.
- Diverse range of financial products catering to various customer needs.
- Operational efficiency reflected in high profit and gross margins.
What Does DCOM Do?
Dime Community Bancshares, Inc., founded in 1910, operates as the holding company for Dime Community Bank, a regional bank headquartered in Hauppauge, New York. The bank has evolved significantly over the past century, adapting to the changing financial landscape and expanding its services to meet the needs of businesses, consumers, and local municipalities. Dime Community Bank provides a diverse range of products, including time, savings, and demand deposits, as well as various types of loans such as commercial real estate, multi-family mortgages, residential mortgages, and home equity loans. The bank also offers investment services, cash management solutions, and merchant processing services, positioning itself as a comprehensive financial service provider. As of December 31, 2021, Dime Community Bancshares operated 60 branch locations throughout Long Island and the New York City boroughs of Brooklyn, Queens, Manhattan, and the Bronx, establishing a strong community presence. The bank's commitment to customer service and community involvement has fostered loyalty among its clients, contributing to its ongoing success in the competitive regional banking sector.
What Products and Services Does DCOM Offer?
- Provide a range of commercial banking services, including loans and deposit accounts.
- Offer residential and commercial mortgage loans to consumers and businesses.
- Engage in investment activities involving mortgage-backed securities and U.S. government securities.
- Facilitate cash management services and merchant processing for businesses.
- Operate a network of 60 branches across Long Island and New York City.
- Deliver online banking services and financial products through third-party partnerships.
How Does DCOM Make Money?
- Generate revenue primarily through interest income from loans and investments.
- Collect fees from various banking services, including cash management and merchant processing.
- Attract deposits from consumers and businesses to fund lending activities.
- Invest in securities to earn interest and capital gains.
- Offer insurance and investment products through third-party brokers.
What Industry Does DCOM Operate In?
The regional banking industry is characterized by increasing competition and a growing emphasis on digital banking solutions. As consumers shift towards online banking, institutions like Dime Community Bancshares must adapt to meet these changing preferences. The market for regional banks is expected to grow as economic recovery continues post-pandemic, with an estimated annual growth rate of 3-4% over the next five years. Dime Community Bancshares is well-positioned within this landscape, leveraging its extensive branch network and community focus to attract and retain customers.
Who Are DCOM's Key Customers?
- Small to medium-sized businesses seeking commercial banking services.
- Consumers looking for residential mortgage and personal loan options.
- Local municipalities requiring banking and financial services.
- Investors interested in mortgage-backed securities and other investment products.
- Individuals seeking online banking and financial management tools.
Dime Community Bancshares, Inc. Financial Trajectory
Dime Community Bancshares, Inc. (DCOM) reported $184.7M in revenue for Q1 2026, a decline of 3.8% compared to the prior quarter. The company recorded net income of $34.6M, with diluted EPS of $0.76. Quarter-over-quarter revenue has been mixed, typical for a small-cap company operating in Financial Services. Across the four most recent quarters, DCOM averaged $0.67 in diluted EPS.
Company Profile
Dime Community Bancshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Hauppauge, US. The company is led by CEO Stuart H. Lubow. DCOM has traded publicly since 1999.
How Dime Community Bancshares, Inc. Is Valued
Dime Community Bancshares, Inc. carries a market capitalization of $1.78B, placing it in the small-cap category. Relative to its peer group, DCOM's quantitative score of 97/100 is above the peer average of 64/100.
ROE 9%Key Financial Metrics
Return on equity for Dime Community Bancshares, Inc. stands at 8.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.9%, showing how much profit it generates from its asset base. DCOM trades at a trailing price-to-earnings ratio of 14.08, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 0.0%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 9/9Financial Health
Dime Community Bancshares, Inc.'s Piotroski F-Score is 9/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.57 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Dime Community Bancshares, Inc. revenue of about $512.2M for fiscal 2026, with EPS near $3.37. The estimate reflects 4 contributing analysts.
DCOM Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong community presence with a loyal customer base.
- Diverse range of financial products and services.
- Solid financial performance with high profit margins.
- Experienced management team with industry expertise.
Bear Case
- Limited geographic diversification compared to larger banks.
- Dependence on the New York market for revenue generation.
- Potential exposure to economic downturns affecting local borrowers.
- Lower brand recognition outside of its primary markets.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $185M | $35M | $0.76 |
| Q4 2025 | $192M | $32M | $0.68 |
| Q3 2025 | $188M | $28M | $0.59 |
| Q2 2025 | $179M | $30M | $0.65 |
Based on FMP financials and quantitative analysis
DCOM Latest News
No recent news available for DCOM.
DCOM Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for DCOM.
Price Targets
Consensus target: $36.00
DCOM MoonshotScore
What does this score mean?
The MoonshotScore rates DCOM's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Stuart H. Lubow
Chief Executive Officer
Stuart H. Lubow has extensive experience in the banking industry, having held various leadership roles throughout his career. He has a strong background in commercial banking and financial services, with a focus on community banking. Lubow holds a degree in finance and has been instrumental in guiding Dime Community Bancshares through significant growth and expansion.
Track Record: Under Lubow's leadership, Dime Community Bancshares has successfully expanded its branch network and enhanced its product offerings, resulting in improved financial performance. His strategic vision has positioned the bank for future growth in a competitive market.
What Investors Ask About Dime Community Bancshares, Inc. (DCOM) — Financial Services
What does Dime Community Bancshares, Inc. do?
Dime Community Bancshares, Inc. serves as the holding company for Dime Community Bank, providing a wide array of commercial banking services including loans, deposit accounts, and investment products. The bank caters to businesses, consumers, and local municipalities, with a strong focus on community engagement and customer service.
What do analysts say about DCOM stock?
Analysts view Dime Community Bancshares, Inc. as a stable player in the regional banking sector, noting its solid financial metrics such as a P/E ratio of 14.1 and a profit margin of 16.6%. Growth considerations include its expansion strategies and digital banking enhancements, though regulatory challenges are acknowledged as potential risks.
What are the main risks for DCOM?
Dime Community Bancshares, Inc. faces several risks, including ongoing regulatory challenges that could affect its operations and profitability. Additionally, economic downturns may impact loan performance, while intense competition from larger banks and fintech firms poses a threat to market share. Cybersecurity risks also remain a concern for the bank.
What are the key factors to evaluate for DCOM?
Dime Community Bancshares, Inc. (DCOM) holds an AI score of 97/100 (high). P/E: 14.1x vs the S&P 500's ~20-25x. Analysts target $36.00 (-11%). Not financial advice.
How frequently does DCOM data refresh on this page?
DCOM prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven DCOM's recent stock price performance?
Dime Community Bancshares, Inc. (DCOM) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong community presence with a loyal customer base. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider DCOM overvalued or undervalued right now?
Dime Community Bancshares, Inc. (DCOM) trades at 14.1x earnings. Analysts target $36.00 (-11%) — downside risk seen. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying DCOM?
Before investing in Dime Community Bancshares, Inc. (DCOM), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Data is based on the latest available financial reports and company information.