DCOM
Financial ServicesDime Community Bancshares, Inc. · Banks - Regional · $2B
What is Dime Community Bancshares, Inc.?
Dime Community Bancshares is the holding company for Dime Community Bank, a regional lender serving businesses, consumers, and municipalities across Long Island and New York City. The bank operates roughly 60 branch locations spanning Brooklyn, Queens, Manhattan, the Bronx, and Long Island.
The bank generates revenue primarily through interest income on a range of loan products — including commercial real estate, multi-family mortgages, residential mortgages, and construction loans — alongside a deposit-gathering franchise that serves local businesses and municipalities. Fee-based services such as merchant card processing, cash management, and title insurance brokerage provide supplemental income streams. The company also maintains an investment portfolio spanning government-backed mortgage securities and municipal obligations.
Dime Community Bancshares was incorporated in 1999 and is headquartered in Hauppauge, New York.
- Commercial real estate and multi-family mortgage lending
- Residential mortgage and home equity loans
- Business deposit accounts and cash management services
- Merchant card processing and online banking
- Investment and title insurance brokerage services
Is DCOM a Good Stock to Buy?
UQS Score rates DCOM as Good overall, reflecting a balanced but mixed picture across the five quality pillars.
The Quality pillar lands at a Good rating, suggesting the bank maintains reasonable earnings consistency relative to its small-cap regional peers. Valuation is rated Attractive, meaning the stock appears priced below what the underlying fundamentals might justify — a notable characteristic for income-oriented investors scanning the regional banking space.
The Moat and Risk pillars both register as Weak, indicating limited competitive differentiation and above-average exposure to credit, interest-rate, or operational risks typical of community banks. Growth is rated Neutral, pointing to a measured rather than accelerating expansion trajectory.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does DCOM pay dividends?
Yes — Dime Community Bancshares, Inc. pays a dividend.
Dime Community Bancshares pays a regular dividend, consistent with the income-distribution culture common among community and regional banks. For shareholders focused on yield, this cadence can be meaningful — though dividend sustainability ultimately ties to the bank's credit quality and earnings stability. Investors should review the latest payout history on the company's investor relations page for current yield context.
When does DCOM report earnings?
Dime Community Bancshares reports earnings on a quarterly cadence, standard for US-listed bank holding companies.
Results tend to reflect shifts in net interest margin, loan growth, and credit loss provisions — all of which can move meaningfully in changing rate environments. The bank's concentration in New York metro commercial real estate makes quarterly loan-quality disclosures particularly worth monitoring.
For the most recent quarter's results and guidance, visit Dime Community Bancshares' investor relations page directly.
DCOM Price History
+25.0% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Dime Community Bancshares, Inc.?
Based on Dime Community Bancshares, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
DCOM Long-term Outlook
With Growth rated Neutral and Risk rated Weak, the fundamental outlook for DCOM is one of modest, measured progression rather than rapid expansion. The Attractive Valuation label suggests the market may already be pricing in near-term headwinds, which could limit downside while leaving room for re-rating if credit quality holds. The Weak Moat rating is a persistent structural consideration — community banks in dense metro markets face ongoing pressure from larger institutions and fintech alternatives.
Growth drivers
- Loan portfolio expansion in New York metro commercial real estate
- Deposit growth from local municipalities and small businesses
- Fee income diversification through card processing and brokerage services
Key risks
- Interest rate sensitivity compressing net interest margin
- Concentration risk in commercial real estate lending
- Competitive pressure from larger banks and digital lenders in the New York market
DCOM vs Peers
DCOM competes in the community and regional banking space alongside several similarly sized institutions, each with distinct geographic and lending focuses.
TriCo operates primarily in Northern and Central California, giving it a different regional credit cycle exposure compared to DCOM's New York metro concentration.
S&T Bancorp focuses on Pennsylvania and Ohio markets, with a commercial lending emphasis that differs from DCOM's heavier multi-family and real estate mix.
National Bank Holdings operates across Mountain West states, offering geographic diversification well outside DCOM's dense Northeast footprint.
Frequently Asked Questions
What does Dime Community Bancshares do?
Dime Community Bancshares is the holding company for Dime Community Bank, which provides commercial banking services across Long Island and New York City. Core activities include accepting deposits from businesses and municipalities, originating commercial real estate and mortgage loans, and offering cash management and payment processing services.
Does DCOM pay dividends?
Yes, Dime Community Bancshares pays a regular dividend. This is consistent with the income-distribution approach common among community banks. Investors should check the company's investor relations page for the current dividend rate and payment schedule, as these can change with earnings performance.
When does DCOM report earnings?
Dime Community Bancshares reports on a quarterly cadence, as is standard for US-listed bank holding companies. Exact dates for upcoming quarters are published on the company's investor relations page and through major financial data providers.
Is DCOM a good stock to buy?
UQS Score rates DCOM as Good overall. The Valuation pillar is Attractive and Quality is Good, but Moat and Risk are both rated Weak. Whether that profile fits your portfolio depends on your income needs and risk tolerance. The full pillar breakdown is available to UQS Pro members.
Is DCOM overvalued?
Based on the UQS Valuation pillar, DCOM is rated Attractive — meaning the stock appears to be priced below what its fundamentals might support relative to peers. This does not guarantee price appreciation, but it suggests the market may be discounting the shares relative to their quality profile.
How does DCOM compare to its competitors?
DCOM operates in the New York metro market, which sets it apart from peers like TriCo Bancshares in California, S&T Bancorp in Pennsylvania and Ohio, and National Bank Holdings in the Mountain West. Each institution carries different regional credit dynamics and loan-mix concentrations. The UQS platform compares pillar scores across these peers for Pro members.
What is DCOM's market cap bracket?
Dime Community Bancshares is classified as a small-cap company. This places it in a segment of the market that can offer valuation opportunities but also carries liquidity and volatility characteristics that differ from large- or mega-cap bank stocks.
Who founded Dime Community Bancshares?
Dime Community Bancshares was incorporated in 1999 as the holding company for Dime Community Bank. Founding and leadership history is publicly available through the company's official filings and investor relations materials.
Is DCOM a long-term quality investment?
From a long-term quality standpoint, DCOM's Good overall UQS Score reflects reasonable earnings consistency but is tempered by Weak Moat and Risk ratings. Long-term holders should monitor credit quality trends and competitive dynamics in the New York metro banking market. The full analysis is available to Pro members.
What is the main competitive advantage of Dime Community Bancshares?
Dime Community Bank's primary advantage is its established branch network and local relationships across Long Island and New York City boroughs. However, the UQS Moat pillar rates this as Weak, reflecting the intense competition from larger national banks and digital lenders operating in the same dense metro markets.
What sector does DCOM belong to?
DCOM belongs to the Financial Services sector, specifically the community and regional banking industry. Regional banks like Dime are sensitive to interest rate cycles, local real estate conditions, and regulatory requirements that differ from diversified financial conglomerates.
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Pro Analysis
DCOM — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 11, 2026 | 51.7 | 67.1 | 20.0 | 50.3 | 32.7 | 100.0 | -0.6 |
| May 10, 2026 | 52.3 | 67.1 | 20.0 | 50.3 | 36.4 | 100.0 | +4.7 |
| May 9, 2026 | 47.6 | 67.1 | 20.0 | 26.7 | 36.4 | 100.0 | -4.7 |
| May 8, 2026 | 52.3 | 67.1 | 20.0 | 50.3 | 36.4 | 100.0 | +2.4 |
| Apr 24, 2026 | 49.9 | 57.4 | 20.0 | 50.3 | 36.4 | 100.0 | -1.4 |
| Apr 2, 2026 | 51.3 | 63.2 | 20.0 | 50.3 | 36.4 | 100.0 | — |
DCOM — Pillar Breakdown
Quality
— 67.1/100 (25%)Dime Community Bancshares, Inc. shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 50.3/100 (20%)Dime Community Bancshares, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 32.7/100 (15%)Dime Community Bancshares, Inc. presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 100.0/100 (15%)Dime Community Bancshares, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 20/100 (25%)Dime Community Bancshares, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for DCOM.
Score Composition
Financial Data
More Stock Analysis
How is the DCOM UQS Score Calculated?
The UQS (Unified Quality Score) for Dime Community Bancshares, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Dime Community Bancshares, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Dime Community Bancshares, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.