Dime Community Bancshares Inc. Common Stock (DCOM)

FairStock Score: 60/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I start with what a bank is: a leveraged spread business whose quality shows up in consistent returns on equity and disciplined underwriting. Dime looks like a solid regional lender, but the record is not smooth. In fiscal 2023 it reported net income of $96.1M and diluted EPS of $2.29. Fiscal 2024 fell to $29.1M and $0.55. Fiscal 2025 recovered to $110.7M and $2.36. That bounce is impressive, but consistency matters, and one good year does not create a durable moat. The FairStock figures put the shares at $38.39 as of 2026-10-13, with a P/E of 13.86, P/B of 1.21, ROE of 8.74%, and dividend yield of 2.60%. A bank earning below 10% on equity and trading slightly above book is not obviously mispriced; I would want either a higher ROE or a lower price. The PEG ratio of 0.23 and the FAST GROWER category—profit growth of 21.2% a year and revenue growth of 29.0% over five years—suggest momentum, but the filed revenue lines are peculiar: fiscal 2025 revenue was $19.9M while net income was $110.7M. In fiscal Q1 2026, the quarter ended 2026-03-31, net income was $34.6M and diluted EPS $0.75; in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $34.8M and diluted EPS $0.75. Piotroski 6/9 and a FairStock score of 60/100 point to average financial strength. The missing bank-specific data—CET1, net interest margin, efficiency ratio, nonperforming assets, and credit-loss reserves—are crucial. Without them I cannot judge leverage or underwriting risk. This looks like a fair-priced, cyclical regional bank with recovering earnings, not a sure thing.

In plain English: Dime Community Bancshares is a regional bank that takes deposits and makes commercial, multifamily and residential loans. Its earnings have been uneven: net income was $110.7 million in fiscal 2025, $29.1 million in fiscal 2024 and $96.1 million in fiscal 2023. At $38.39, the shares look around fairly priced compared with profits and accounting net worth, with a 2.6% dividend, but not clearly cheap for a bank with modest returns on shareholders' money.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer