Stocks · Financial Services · Banks - Regional
Dime Community Bancshares, Inc. DCOM
$39.88 +0.91% Close, Oct 2, 2026 · NYSE · Market cap $1.76B
Strong growthStrong trendInexpensive vs sector
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $2.78, up 227.1% year over year.
- Operating margin widened to 24.5% from 10.7% a year earlier.
- The stock is in an uptrend: above its 200-day average for 214 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth87Strong
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 29%
- EPS growth (TTM, YoY)Top 5%
- FCF growth (TTM, YoY)Top 34%
- Revenue growth, 3-year CAGRTop 48%
- Revenue growth accelerationBottom 50%
Quality64Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 40%
- Gross marginBottom 35%
- Operating marginTop 41%
- Cash conversion (OCF / net income)Top 27%
- Accruals (lower is better)Top 43%
- Net debt / EBITDA (lower is better)Top 5%
- Interest coverBottom 38%
Value89Strong
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 47%
- Free-cash-flow yieldTop 29%
- EBITDA / enterprise valueTop 3%
- Sales / enterprise valueTop 6%
- P/E vs own 5-year history (lower is better)Top 44%
Momentum83Strong
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 18%
- 6-month returnTop 26%
- 1-year return vs S&P 500Top 17%
- Distance from 52-week highTop 24%
- Trend checklist (0–4)Top 48%
Revisions12Very weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 27%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 40%
- Upside to consensus price targetBottom 28%
Stability68Positive
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 27%
- Maximum drawdown, 3 yearsBottom 31%
- Beta vs S&P 500 (lower is better)Bottom 44%
- Net debt / EBITDA (lower is better)Top 5%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 15.1% | 14.8% | ↓ |
| EPS growth (YoY) | 325.4% | 227.1% | ↓ |
| Gross margin | 48.0% | 58.5% | ↑ |
| Operating margin | 10.7% | 24.5% | ↑ |
| FCF margin | 21.2% | 26.3% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 14.8% | 15.1% | ↓ | Top 29% |
| EPS growth (TTM, YoY) | 227.1% | 325.4% | ↓ | Top 5% |
| Gross margin | 58.5% | 48.0% | ↑ | Bottom 35% |
| Operating margin | 24.5% | 10.7% | ↑ | Top 41% |
| Net margin | 17.2% | 6.7% | ↑ | — |
| Free-cash-flow margin | 26.3% | 21.2% | ↑ | — |
| Return on invested capital | 0.9% | — | Bottom 40% | |
| Revenue growth, 3-year CAGR | 15.2% | — | Top 48% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.57×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.1%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +114.0 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -6.71×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.45%
- Net buyback yield (TTM)
- -0.03%
- Shareholder yield
- 2.42%
- Share count change, 1 year
- +2.2%
- Share count change, 3-year CAGR
- +4.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 31, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 3 of 8
- Average EPS surprise, last 4
- -0.7%
- Average 2-day reaction, last 8
- +0.5%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $43.00
- Target vs current price
- +7.8%
- Analysts with a rating
- 10
- Share rating Buy or Strong Buy
- 40%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | -0.5% | -0.6% | +2.9% | +1.2% | — |
| Apr 23, 2026 | -3.9% | +4.3% | -0.8% | +2.7% | +11.4% |
| Jan 21, 2026 | +12.9% | +8.6% | +9.7% | +16.0% | +19.2% |
| Oct 23, 2025 | -11.1% | -7.5% | -11.8% | -11.1% | +1.6% |
| Jul 24, 2025 | +1.6% | -0.8% | -1.9% | +0.3% | -2.3% |
| Apr 22, 2025 | +3.6% | +2.8% | +2.0% | +6.6% | +14.8% |
| Jan 23, 2025 | -4.5% | -2.4% | -2.6% | -2.0% | -20.6% |
| Oct 22, 2024 | -29.3% | -0.1% | +5.6% | +20.8% | +9.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.79 | $0.79 | -0.5% | $128.4M |
| Apr 23, 2026 | $0.74 | $0.77 | -3.9% | $124.0M |
| Jan 21, 2026 | $0.79 | $0.70 | +12.9% | $123.8M |
| Oct 23, 2025 | $0.61 | $0.69 | -11.1% | $115.6M |
| Jul 24, 2025 | $0.64 | $0.63 | +1.6% | $109.7M |
| Apr 22, 2025 | $0.57 | $0.55 | +3.6% | $103.8M |
| Jan 23, 2025 | $0.42 | $0.44 | -4.5% | $131.6M |
| Oct 22, 2024 | $0.29 | $0.41 | -29.3% | $87.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 14.3× | 14.5× | 48th | Top 47% |
| P/E (forward) | 11.9× | — | — | — |
| EV / EBITDA | 2.5× | — | — | Top 3% |
| EV / Sales | 0.64× | — | — | Top 6% |
| Free-cash-flow yield | 11.23% | — | — | Top 29% |
| Earnings yield | 6.97% | — | — | Top 47% |
P/E over the past five years
Range 4.6× – 52.8× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +33.6%
- Earnings per share growth (TTM)
- +227.1%
- Change in P/E multiple
- -54.9%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 214
- 50-day average slope (20 days)
- +0.3%
- 200-day average slope (20 days)
- +3.3%
- Distance from 50-day average
- -1.5%
- Distance from 200-day average
- +9.0%
- RSI (14)
- 45.4
- Relative volume
- 1.09×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 16.4%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.76
- Correlation with S&P 500
- 0.42
- Current drawdown from 1-year high
- -4.5%
- Maximum drawdown, 3 years
- -36.6%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 14, 2022 | May 16, 2023 | -59.1% | 334 days | 767 days (Jun 8, 2026) |
| May 21, 2021 | Jul 19, 2021 | -16.9% | 39 days | 73 days (Oct 29, 2021) |
| Jan 26, 2021 | Jan 29, 2021 | -16.0% | 3 days | 17 days (Feb 24, 2021) |
| Nov 3, 2021 | Dec 13, 2021 | -13.6% | 27 days | 23 days (Jan 14, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.76B
- P/E (TTM)
- 14.3
- EPS, diluted (TTM)
- $2.78
- Revenue (TTM)
- $751.0M
- Dividend yield
- 3.13%
- 52-week range
- $25.63 – $41.97
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $426.7M | $477.4M | $645.6M | $646.2M | $730.4M |
| Gross profit | $393.5M | $412.6M | $350.0M | $278.0M | $409.9M |
| Operating income | $148.2M | $211.9M | $136.9M | $51.4M | $156.8M |
| Net income | $104.0M | $152.6M | $96.1M | $29.1M | $110.7M |
| EPS (diluted) | $2.45 | $3.73 | $2.29 | $0.55 | $2.37 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $171.9M | $131.6M | $171.5M | $179.1M | $187.8M | $192.0M | $184.7M | $186.5M |
| Net income | $13.3M | -$20.4M | $21.5M | $29.7M | $27.7M | $31.9M | $34.6M | $34.8M |
| EPS (diluted) | $0.29 | -$0.54 | $0.45 | $0.65 | $0.59 | $0.68 | $0.76 | $0.75 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $146.3M | $295.2M | $90.9M | $99.1M | $186.6M |
| Capital expenditure | $14,000 | -$3.7M | -$5.7M | -$6.3M | -$4.1M |
| Free cash flow | $146.3M | $291.4M | $85.2M | $92.8M | $182.4M |
| Dividends paid | -$39.4M | -$36.8M | -$37.3M | -$38.0M | -$42.9M |
| Net share buybacks | -$59.4M | -$46.8M | -$947,000 | $135.8M | $924,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $3.54B
- Total assets
- $15.01B
- Total liabilities
- $13.49B
- Total debt
- $655.8M
- Net debt
- -$1.28B
- Shareholders’ equity
- $1.52B
As of Jun 30, 2026 (filed Jul 31, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Oct 16, 2026 | $0.25 | Oct 23, 2026 |
| Jul 17, 2026 | $0.25 | Jul 24, 2026 |
| Apr 17, 2026 | $0.25 | Apr 24, 2026 |
| Jan 16, 2026 | $0.25 | Jan 23, 2026 |
| Oct 17, 2025 | $0.25 | Oct 24, 2025 |
| Jul 17, 2025 | $0.25 | Jul 24, 2025 |
| Apr 17, 2025 | $0.25 | Apr 24, 2025 |
| Jan 17, 2025 | $0.25 | Jan 24, 2025 |
Short interest
- Shares sold short
- 4,003,223
- Days to cover
- 14.00
- Change vs previous report
- +3.3%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jul 26, 2004
- 3-for-2
- Mar 17, 2004
- 3-for-2
- Apr 25, 2002
- 3-for-2
- Aug 22, 2001
- 3-for-2
- Sep 2, 1998
- 3-for-1