What are the investment strengths of Dime Community Bancshares Inc (DCOM)?

FCF yield exceptional - 224M FCF on ~1.18B tangible book = 19% yield. Cash generation far exceeds GAAP earnings, funding future growth without dilution. Revenue growth 17.7% 5Y CAGR (3x industry median 5.7%) demonstrates franchise expansion while maintaining conservative 62% debt/equity.

Dime Community Bancshares Inc

DCOM

—

Dime Community Bancshares Inc AI Insights

Informational only. Not investment advice.

As of 2026-01-15

Snapshot

Interest expense TTM of 283.6M is 6.7x industry median (42.2M) - funding costs severely compress margins despite 386M revenue[Interest Expense TTM]
FCF of 224M (58% of operating cash flow) vs net income of 58M - cash generation 3.8x reported earnings[Free Cash Flow TTM]
ROE TTM 4.7% vs industry median 10% - earning half the cost of equity despite 62% debt/equity leverage[Return on Equity TTM]

Watch Triggers

Interest Expense TTM: Decline below 200M — Would signal NIM expansion and path to normalized 8-10% ROE
Return on Equity TTM: Rise above 7% — Threshold where bank covers cost of equity - thesis validation
Net Margin TTM: Sustained above 20% — Current 15% margin compressed by rates - expansion signals turnaround

Bull Case

FCF yield exceptional - 224M FCF on ~1.18B tangible book = 19% yield. Cash generation far exceeds GAAP earnings, funding future growth without dilution.

Free Cash Flow TTMTangible Book Value

Revenue growth 17.7% 5Y CAGR (3x industry median 5.7%) demonstrates franchise expansion while maintaining conservative 62% debt/equity.

Total Revenue 5Y GrowthDebt to Equity

Bear Case

Interest expense of 283.6M exceeds interest income of 175.5M - negative net interest spread indicates structural profitability problem in current rate environment.

Interest Expense TTMInterest Income

ROE 4.7% and ROA 0.4% both below industry medians (10%, 1%) - destroying shareholder value at current returns vs cost of capital.

Return on Equity TTMReturn on Assets TTM

Bull vs Bear Balance

AI-generated sentiment analysis based on fundamental metrics and market conditions.

40%

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Forward Thesis

Net interest margin likely to expand as rate environment normalizes, lifting ROE toward 7-8%

1-3ymed

Interest expense 73% of revenue - extreme sensitivity to rate cuts
Tangible book of 1.18B provides downside floor
5Y revenue CAGR 17.7% shows franchise growth capability

Interest expense TTM 283.6M vs interest income 175.5MTotal assets 14.5B with debt/equity only 0.625Y revenue growth 17.7% vs industry median 5.7%

Valuation Context

Caveats

Public Strategies Rankings

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DCOM Fundamentals

Finance and Insurance → Credit Intermediation and Related Activities

Metric	Value	YoY Growth	Industry Percentile
Market Cap	$1.33B		—
Enterprise Value	$444.32M		—
P/E Ratio	25		—
Total Revenue - TTM	$386.38M	+13.7%	—
Earnings Per Share (diluted) - TTM	$1.23	-11.4%	—
Operating Margin - TTM	0%		—
Net Margin - TTM	15.1%	-4.2%	—
Free Cash Flow - TTM	$224.0M		—
Return on Common Equity - TTM	0.05	-1.2%	—
Beta 5Y (Monthly)	unknown		—

DCOM Dividend History

104 dividends

2026

$0.2500

01/16/26$0.2500

2025

$1.0000

10/17/25$0.2500

07/17/25$0.2500

04/17/25$0.2500

01/17/25$0.2500

2024

$1.0000

10/17/24$0.2500

07/17/24$0.2500

04/16/24$0.2500

01/16/24$0.2500

2023

$0.9900

10/16/23$0.2500

07/14/23$0.2500

04/14/23$0.2500

01/13/23$0.2400

2022

$0.9600

10/14/22$0.2400

07/15/22$0.2400

04/14/22$0.2400

01/13/22$0.2400

2021

$0.9600

10/15/21$0.2400

07/16/21$0.2400

05/10/21$0.2400

02/04/21$0.2400

2020

$0.9600

10/22/20$0.2400

07/17/20$0.2400

04/17/20$0.2400

01/23/20$0.2400

2019

$0.9200

10/17/19$0.2300

07/19/19$0.2300

04/17/19$0.2300

01/17/19$0.2300

2018

$0.9200

10/18/18$0.2300

07/20/18$0.2300

04/19/18$0.2300

01/19/18$0.2300

2017

$0.9200

10/19/17$0.2300

07/19/17$0.2300

04/19/17$0.2300

01/19/17$0.2300

2016

$0.9200

10/19/16$0.2300

07/20/16$0.2300

04/18/16$0.2300

01/20/16$0.2300

2015

$0.9200

10/16/15$0.2300

07/20/15$0.2300

04/15/15$0.2300

01/15/15$0.2300

2014

$0.9200

10/15/14$0.2300

07/15/14$0.2300

04/15/14$0.2300

01/15/14$0.2300

2013

$0.6900

10/16/13$0.2300

07/15/13$0.2300

04/16/13$0.2300

2012

$1.1500

12/06/12$0.2300

10/15/12$0.2300

07/17/12$0.2300

04/17/12$0.2300

01/13/12$0.2300

2011

$0.6900

10/06/11$0.2300

07/13/11$0.2300

04/08/11$0.2300

2010

$0.9200

12/28/10$0.2300

10/07/10$0.2300

07/09/10$0.2300

04/09/10$0.2300

2009

$0.9200

12/28/09$0.2300

10/08/09$0.2300

07/02/09$0.2300

04/09/09$0.2300

2008

$0.9200

12/26/08$0.2300

10/03/08$0.2300

07/03/08$0.2300

04/04/08$0.2300

2007

$0.9200

12/27/07$0.2300

10/04/07$0.2300

07/05/07$0.2300

04/04/07$0.2300

2006

$0.9200

12/28/06$0.2300

10/05/06$0.2300

07/06/06$0.2300

04/06/06$0.2300

2005

$0.9100

12/28/05$0.2300

09/28/05$0.2300

06/29/05$0.2300

03/29/05$0.2200

2004

$0.7167

12/29/04$0.2100

09/28/04$0.1800

06/30/04$0.1667

03/29/04$0.1600

2003

$0.7866

12/29/03$0.4200

09/26/03$0.1333

06/26/03$0.1200

03/27/03$0.1133

2002

$0.4067

12/27/02$0.1067

09/26/02$0.1000

06/26/02$0.1000

03/26/02$0.1000

2001

$0.3667

12/27/01$0.1000

09/26/01$0.0933

06/27/01$0.0867

03/28/01$0.0867

2000

$0.3267

12/27/00$0.0867

09/27/00$0.0800

06/28/00$0.0800

03/29/00$0.0800

DCOM Stock Splits

1 stock split

07/26/040.666667:1 split

DCOM SEC Filings

Filing Date	Report Date	Report Type	Filing Link
11/03/25	09/30/25	10-Q	0000846617-25-000053
08/05/25	06/30/25	10-Q	0000846617-25-000040
05/06/25	03/31/25	10-Q	0000846617-25-000028
02/20/25	12/31/24	Unknown	0000846617-25-000013
11/05/24	09/30/24	10-Q	0000846617-24-000063
08/01/24	06/30/24	10-Q	0000846617-24-000053
05/02/24	03/31/24	10-Q	0000846617-24-000038
02/22/24	12/31/23	10-K	0000846617-24-000018
11/02/23	09/30/23	10-Q	0000846617-23-000084
08/02/23	06/30/23	10-Q	0000846617-23-000059
05/08/23	03/31/23	10-Q	0000846617-23-000040
02/28/23	12/31/22	10-K	0000846617-23-000018
11/07/22	09/30/22	10-Q	0000846617-22-000087
08/08/22	06/30/22	10-Q	0000846617-22-000063
05/09/22	03/31/22	10-Q	0000846617-22-000035
03/01/22	12/31/21	10-K	0000846617-22-000015
11/09/21	09/30/21	10-Q	0000846617-21-000072
08/09/21	06/30/21	10-Q	0000846617-21-000054
05/10/21	03/31/21	10-Q	0000846617-21-000029
03/15/21	12/31/20	10-K	0000846617-21-000014
11/06/20	09/30/20	10-Q	0001140361-20-024884
08/10/20	06/30/20	10-Q	0001140361-20-017843
05/08/20	03/31/20	10-Q	0001140361-20-011124
03/12/20	12/31/19	10-K	0001140361-20-005636
11/08/19	09/30/19	10-Q	0001140361-19-020163
08/09/19	06/30/19	10-Q	0001140361-19-014725
05/10/19	03/31/19	10-Q	0001140361-19-008918
03/14/19	12/31/18	10-K	0001140361-19-004954
11/08/18	09/30/18	10-Q	0001140361-18-042734
08/08/18	06/30/18	10-Q	0001140361-18-035978
05/09/18	03/31/18	10-Q	0001140361-18-022495
03/14/18	12/31/17	10-K	0001140361-18-013430
11/07/17	09/30/17	10-Q	0001140361-17-041326
08/07/17	06/30/17	10-Q	0001140361-17-030352
05/09/17	03/31/17	10-Q	0001140361-17-019022
03/15/17	12/31/16	10-K	0001140361-17-012081
11/09/16	09/30/16	10-Q	0001140361-16-085490
08/09/16	06/30/16	10-Q	0001140361-16-075360
05/09/16	03/31/16	10-Q	0001140361-16-064061
03/11/16	12/31/15	10-K	0001005409-16-000098
11/06/15	09/30/15	10-Q	0001005409-15-000083
08/07/15	06/30/15	10-Q	0001005409-15-000055
05/07/15	03/31/15	10-Q	0001005409-15-000025
03/16/15	12/31/14	10-K	0001005409-15-000015
11/05/14	09/30/14	10-Q	0001005409-14-000064
08/05/14	06/30/14	10-Q	0001005409-14-000056
05/08/14	03/31/14	10-Q	0001005409-14-000036
03/13/14	12/31/13	10-K	0001005409-14-000018
11/08/13	09/30/13	10-Q	0001005409-13-000059
08/09/13	06/30/13	10-Q	0001005409-13-000047
05/10/13	03/31/13	10-Q	0001005409-13-000030
03/15/13	12/31/12	10-K	0001005409-13-000012
11/13/12	09/30/12	10-Q	0001005409-12-000055
08/09/12	06/30/12	10-Q	0001005409-12-000039
05/09/12	03/31/12	10-Q	0001005409-12-000027
03/14/12	12/31/11	10-K	0001005409-12-000012
11/09/11	09/30/11	10-Q	0001005409-11-000040
11/15/12	09/30/11	10-Q/A	0001005409-12-000057
08/09/11	06/30/11	10-Q	0001005409-11-000027
05/10/11	03/31/11	10-Q	0001005409-11-000014
03/14/11	12/31/10	10-K	0001005409-11-000006
11/09/10	09/30/10	10-Q	0001005409-10-000034
08/09/10	06/30/10	10-Q	0001005409-10-000023
08/09/11	06/30/10	10-Q/A	0001005409-11-000030
05/10/10	03/31/10	10-Q	0001005409-10-000013
03/12/10	12/31/09	10-K	0001005409-10-000006
11/09/09	09/30/09	10-Q	0001005409-09-000046
08/10/09	06/30/09	10-Q	0001005409-09-000038
05/11/09	03/30/09	10-Q	0001005409-09-000020
03/16/09	12/31/08	10-K	0001171200-09-000091
11/06/08	09/30/08	10-Q	0000846617-08-000028
08/08/08	06/30/08	Unknown	--
05/12/08	03/30/08	Unknown	--
03/18/08	12/31/07	10-K	0000846617-08-000006
11/09/07	09/30/07	10-Q	0000846617-07-000034
08/09/07	06/30/07	10-Q	0000846617-07-000028
05/10/07	03/30/07	Unknown	--
03/16/07	12/31/06	10-K	0000846617-07-000005
11/09/06	09/30/06	10-Q	0000846617-06-000038
08/09/06	06/30/06	10-Q	0000846617-06-000030
05/10/06	03/30/06	Unknown	--
03/17/06	12/31/05	10-K	0000846617-06-000007
11/09/05	09/30/05	10-Q	0000846617-05-000038
08/09/05	06/30/05	10-Q	0000846617-05-000027
05/10/05	03/30/05	Unknown	--
03/16/05	12/31/04	10-K	0000846617-05-000008
11/09/04	09/30/04	8-K	0000846617-04-000077
08/09/04	06/30/04	10-Q	0000846617-04-000069
05/10/04	03/30/04	Unknown	--
03/11/04	12/31/03	10-K	0000846617-04-000037
11/14/03	09/30/03	10-Q	0000846617-03-000089
08/14/03	06/30/03	8-K	0000846617-03-000076
05/15/03	03/30/03	Unknown	--
11/13/02	09/30/02	10-Q	0000846617-02-000048
09/27/02	06/30/02	10-Q	0000846617-02-000042
05/15/02	03/30/02	Unknown	--
02/14/02	12/31/01	PRE 14A	0000846617-02-000020
11/14/01	09/30/01	10-Q	0000846617-01-500017
09/28/01	06/30/01	10-Q	0000846617-01-500009
05/14/01	03/30/01	Unknown	--
02/14/01	12/31/00	DEF 14A	0000846617-01-000014
11/14/00	09/30/00	10-Q	0000846617-00-000020
09/28/00	06/30/00	10-Q	0000846617-00-000015
05/12/00	03/30/00	Unknown	--