Is Dime Community Bancshares (DCOM) overvalued or fairly valued?

MarketChacha shows Dime Community Bancshares's valuation in context — a trailing P/E of about 15.0, a forward P/E of about 9.4, a price-to-book of about 1.3 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Dime Community Bancshares's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.60×) from reported figures — education, not a rating.

What is Dime Community Bancshares's revenue?

Dime Community Bancshares reported revenue of $19.9M for FY2025, with net profit of $110.7M, per official filings.

What is the share price of Dime Community Bancshares (DCOM)?

Dime Community Bancshares last traded at $40.88 (-0.8% on the day), as of 8/17/2026 — a delayed quote shown for education, not investment advice.

Dime Community Bancshares

DCOM · NYSE · Financials · United States

Snapshot

TickerDCOM

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees902

HeadquartersHauppauge, United States

Websitewww.dime.com

Filings tracked23

About Dime Community Bancshares

Dime Commercial Bancshares, Inc. operates as the holding company for Dime Community Bank that engages in the provision of various commercial banking and financial services in the United Stated. The company accepts time, savings, and demand deposits from the businesses, consumers, and local municipalities. It also provides commercial real estate loans; multi-family mortgage loans; residential mortgage loans; letters of credit; secured and unsecured commercial and consumer loans; lines of credit; home equity loans; and construction and land loans. In addition, the company invests in Federal Home Loan Bank, Federal National Mortgage Association, Government National Mortgage Association, and Federal Home Loan Mortgage Corporation mortgage-backed securities, collateralized mortgage obligations, and other asset backed securities; U.S. Treasury securities; New York state and local municipal obligations; U.S. government-sponsored enterprise securities; and corporate bonds. Further, the company offers certificate of deposit account registry services and insured cash sweep programs; federal deposit insurance corporation insurance; merchant credit and debit card processing, automated teller machines, cash and treasury management services, escrow account services, lockbox processing, online banking services, remote deposit capture, safe deposit boxes, and individual retirement accounts; investment products and services through a third-party broker dealer; and title insurance broker services for small and medium sized businesses, and municipal and consumer relationships. The company was formerly known as Dime Community Bancshares, Inc. and changed its name to Dime Commercial Bancshares, Inc. in May 2026. Dime Commercial Bancshares, Inc. was founded in 1910 and is headquartered in Hauppauge, New York.

Who owns it

Insiders4.4%
Institutions90.6%
Public & other5.1%

310 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.14.04%
Wellington Management Group, LLP9.83%
Dimensional Fund Advisors LP5.51%
State Street Corporation4.61%
Basswood Capital Management, L.L.C.4.58%
T. Rowe Price Investment Management, Inc.4.51%
Vanguard Capital Management LLC4.18%
Systematic Financial Management, L.P.2.74%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

Margin has compressed by about 28.6 points over the period — profitability is trending down.

Cash conversion1.60×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend584.6% → 556.0%

Margin has compressed by about 28.6 points over the period — profitability is trending down.

Return on equity7.5%

Latest ROE of 7.5% is on the low side — the business earns a modest return on shareholder capital.

Growth qualityrev 10% · PAT 7%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $135.6M · EPS 0.95

Est. earnings growth +20.9%

Next fiscal year

Rev $572.0M · EPS 4.35

Est. earnings growth +28.8%

Analyst consensus estimates — not the company's own guidance.

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2025)

$19.9M

Net margin

556.0%

ROE

7.5%

Revenue CAGR (2y)

+10.1%

Profit CAGR (2y)

+7.3%

EPS (FY2025)

2.36

Net profit (FY2025)

$110.7M

Ask MarketChacha about DCOM

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Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$19.9M	$110.7M	2.36	556.0%	7.5%
FY2024	$16.7M	$29.1M	0.55	173.9%	2.1%
FY2023	$16.4M	$96.1M	2.29	584.6%	7.8%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q2	$6.5M	$34.8M	0.75	537.0%
2026Q1	$5.7M	$34.6M	0.75	603.5%
2025Q3	$5.2M	$27.7M	0.59	531.2%
2025Q2	$4.6M	$29.7M	0.64	639.7%
2025Q1	$4.6M	$21.5M	0.45	462.2%
2024Q3	$4.3M	$13.3M	0.29	312.3%
2024Q2	$4.0M	$18.5M	0.43	465.2%
2024Q1	$4.5M	$17.7M	0.41	389.3%
2023Q3	$4.0M	$15.0M	0.34	378.1%
2023Q2	$4.9M	$27.5M	0.66	566.3%
2023Q1	$3.8M	$37.3M	0.92	978.1%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

10-Q filing
SEC7/31/2026
8-K — Other events, Exhibits
SEC7/23/2026material
8-K — Results of operations, Exhibits
SEC7/23/2026material
8-K — Other events, Exhibits
SEC6/25/2026material
8-K — Executive/director change, Bylaw/charter change, Shareholder vote results, Exhibits
SEC6/1/2026material
8-K — Other events
SEC5/27/2026material
10-Q filing
SEC5/1/2026
8-K — Results of operations, Exhibits
SEC4/23/2026material
8-K — Other events, Exhibits
SEC4/23/2026material
8-K — Other events, Exhibits
SEC3/25/2026material
8-K — Other events, Exhibits
SEC2/23/2026material
10-K filing
SEC2/20/2026
8-K — Other events, Exhibits
SEC1/26/2026material
8-K — Other events, Exhibits
SEC1/22/2026material
8-K — Results of operations, Exhibits
SEC1/21/2026material

2025

8-K — Other events, Exhibits
SEC12/17/2025material
8-K — Other events, Exhibits
SEC11/10/2025material
10-Q filing
SEC11/3/2025
8-K — Executive/director change, Exhibits
SEC10/27/2025material
8-K — Results of operations, Exhibits
SEC10/23/2025material
8-K — Other events, Exhibits
SEC10/23/2025material
8-K — Other events, Exhibits
SEC9/23/2025material
10-Q filing
SEC8/5/2025

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.