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what it is
Dime Community is a New York regional bank that takes deposits, makes loans, and sells a few fee-based services on the side.
how it gets paid
Last year Dime Community made $20M in revenue. commercial banking was the main engine at $8M, or 40% of sales.
why it's growing
Revenue grew 19.0% last year. The number that mattered was $1.67 in quarterly EPS because it towers over the 2024 full-year EPS base of $0.55 and says earnings power may.
what just happened
Revenue hit $14M, up 178% vs. prior year, while EPS rose to $1.67 from the prior-year quarter.
At a glance
B+ balance sheet — decent shape, but not bulletproof
40/100 earnings predictability — expect surprises
27.1x trailing p/e — priced about right
3.1% dividend yield — cash in your pocket every quarter
$0.55 fy2024 eps est
xvary composite: 56/100 — below average
What they do
Dime Community is a New York regional bank that takes deposits, makes loans, and sells a few fee-based services on the side.
This is a local banking franchise, not a software story. Dime had 62 branches and $14.5 billion of assets as of September 30, 2025, across Long Island, Brooklyn, Queens, Manhattan, the Bronx, Staten Island, Westchester, and soon Lakewood, New Jersey. Branch density matters because deposits (customer cash parked at the bank) → funding for loans → cheaper money to lend, so your bank wins when customers stay local and sticky.
How they make money
$20M
annual revenue · their business grew +19.0% last year
commercial banking
$8M
+22%
consumer banking
$5M
+8%
treasury and merchant services
$3M
+18%
escrow and atm services
$2M
+5%
title insurance brokerage
$2M
+12%
The products that matter
business loans and treasury services
Commercial Banking
feeds the $409.9M spread engine
This is the main earnings machine. It feeds the $409.9M net interest income line, which represents 95% of reported revenue shown here. If loan pricing slips or funding costs rise, you see it almost immediately.
core earnings driver
deposits and personal lending
Consumer Banking
funding support, not a fee engine
Consumer banking matters because deposit retention supports the same spread model. Outside of net interest income, Dime generated only $20.0M in non-interest income, so cheaper funding matters more than fee growth. That's the catch with banks like this: the deposit base is not a side detail. It is the margin story.
funding matters
Key numbers
$14.5B
total assets
That is the scale of the balance sheet behind a roughly $1 billion market cap. You are buying a small stock tied to a very large asset base.
62
branches
Physical branches still matter in local banking because deposits often follow convenience. Dime has density where it competes.
$880M
long-term debt
Debt is borrowed money → fixed obligations → less room for mistakes. At 39% of capital, leverage is real.
3.1%
dividend yield
You get paid while you wait, but only if earnings stabilize after the drop to $0.55 per share in 2024.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 3 — safer than 50% of stocks
- price stability 45 / 100
- long-term debt $880M (39% of capital)
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for DCOM right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Revenue hit $14M, up 178% vs. prior year, while EPS rose to $1.67 from the prior-year quarter.
That rebound looks huge next to 2024's weak full-year EPS of $0.55. Quiet part out loud: when a bank swings from quarterly losses to triple-digit EPS growth, you are looking at a recovery story, not a steady compounder.
$14M
revenue
$1.67
eps
178%
revenue growth
the number that mattered
The number that mattered was $1.67 in quarterly EPS because it towers over the 2024 full-year EPS base of $0.55 and says earnings power may be rebounding fast.
source: company earnings report, 2026
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What could go wrong
DCOM does not have five different ways to surprise you. It has one main engine — spread income — and that engine already showed strain when net profit margin fell to 11.5% from 18.5%.
med
margin repair stalls
Net profit margin fell to 11.5% from 18.5% a year ago. If that number stays stuck near current levels, the earnings rebound story gets much thinner very quickly.
The stock still trades at 27.1x trailing earnings. Premium multiples and ordinary bank economics rarely coexist for long.
med
too little fee income
Non-interest income is only $20.0M, or 5% of the revenue shown here. In human-speak: there is very little secondary earnings stream if spread income weakens.
One engine, tiny backup engine. That makes quarterly results more sensitive to funding costs than the top line suggests.
med
ordinary business, ambitious valuation
Profitability ranks 5 out of 10, which is 17% below the median. That is what a no-moat bank looks like when competition is normal and money is no longer free.
If you are paying 27.1x trailing earnings, you need cleaner execution than these rankings imply.
med
capital return distracts from operations
The $40M debt redemption and buybacks can improve per-share optics. They do not repair a weak margin structure by themselves.
Per-share math can look better while the actual business stays ordinary. If you own the stock, do not confuse the two.
With 95% of reported revenue tied to net interest income and net margin already down from 18.5% to 11.5%, even a modest spread setback can hit earnings harder than the revenue line makes obvious.
source: institutional data · regulatory filings · risk analysis
Pay attention to
the key metric
net profit margin
11.5% versus 18.5% a year ago is the whole story. If that gap does not close, the 27.1x trailing multiple looks harder to defend.
next catalyst
q1 2026 earnings report
You want proof that revenue growth is turning into cleaner profitability, not just bigger balance-sheet activity.
capital return
$40M debt redemption and buybacks
Watch whether management keeps highlighting capital return while the core business is still trying to rebuild its margin profile.
ownership signal
ceo share sale
Stuart H. Lubow sold 5,476 shares on feb 12, 2026. One trade is noise. Repeated selling would deserve more attention.
Analyst rankings
earnings predictability
40 / 100
in human-speak, analysts do not see this as a clean, easy-to-model earnings story.
risk rank
3
That points to moderate risk. Safer than the market's chaos names, not safe enough to ignore bank-specific pressure.
price stability
45 / 100
The stock is not a rollercoaster, but it is not a bunker either. You are still underwriting a regional bank.
source: institutional data
Institutional activity
institutional ownership data for DCOM is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$31
current price
n/a
target midpoint · n/a from current
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