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Dime Community Bancshares (DCOM) Financials

Dime Community Bancshares logo
$27.21 -0.30 (-1.09%)
Closing price 08/7/2025 04:00 PM Eastern
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$27.21 0.00 (0.00%)
As of 08/7/2025 05:09 PM Eastern
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Annual Income Statements for Dime Community Bancshares

Annual Income Statements for Dime Community Bancshares

This table shows Dime Community Bancshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 14 21 35 21 39 36 38 97 145 89 22
Consolidated Net Income / (Loss)		 14 21 35 21 39 36 42 104 153 96 29
Net Income / (Loss) Continuing Operations		 14 21 35 21 39 36 42 104 153 96 29
Total Pre-Tax Income 		21 32 54 39 48 47 55 148 212 137 51
Total Revenue		 76 109 137 145 148 160 199 400 418 353 314
Net Interest Income / (Expense)		 67 96 121 127 137 147 178 358 380 317 318
Total Interest Income		 75 106 138 150 169 238 234 385 439 609 650
Loans and Leases Interest Income		 58 89 117 126 144 218 217 359 407 554 590
Investment Securities Interest Income		 17 17 20 21 22 15 14 23 29 32 34
Other Interest Income		 0.41 0.59 1.17 1.70 1.87 5.59 3.28 2.98 3.40 23 26
Total Interest Expense		 7.46 10 17 23 32 91 56 27 59 293 332
Deposits Interest Expense		 4.42 5.60 6.87 10 21 62 33 17 38 226 291
Long-Term Debt Interest Expense		 1.37 2.63 5.90 4.59 4.54 29 23 10 19 66 41
Total Non-Interest Income		 8.17 13 16 18 12 12 21 42 38 36 -3.96
Trust Fees by Commissions		 - - - - - 0.00 0.00 2.34 2.03 1.30 0.84
Other Service Charges		 9.26 11 13 14 15 6.33 6.18 20 19 19 19
Net Realized & Unrealized Capital Gains on Investments		 -1.09 0.50 1.55 1.73 -5.84 3.01 10 13 7.28 7.32 -33
Other Non-Interest Income		 - 1.23 1.93 2.25 2.22 2.83 4.86 7.07 10 8.99 9.17
Provision for Credit Losses		 2.20 4.00 5.55 14 1.80 17 26 6.21 5.37 2.77 36
Total Non-Interest Expense		 52 73 77 92 98 95 118 245 201 213 227
Salaries and Employee Benefits		 26 34 42 47 50 52 61 108 120 117 136
Net Occupancy & Equipment Expense		 11 15 18 20 20 24 25 47 45 46 48
Marketing Expense		 2.43 3.13 4.05 4.74 4.60 2.66 1.46 4.66 5.90 6.78 6.66
Property & Liability Insurance Claims		 1.27 1.59 1.64 1.31 1.67 0.61 2.26 4.08 3.90 8.85 8.71
Other Operating Expenses		 6.02 8.44 10 10 21 16 14 28 24 33 26
Amortization Expense		 0.30 1.45 2.64 1.05 0.92 0.00 0.00 2.62 1.88 1.43 1.16
Income Tax Expense		 7.24 11 19 19 9.14 11 13 44 59 41 22
Preferred Stock Dividends Declared		 - - - - - 0.00 4.78 7.29 7.29 7.29 7.29
Basic Earnings per Share		 $1.18 $1.43 $2.01 $1.04 $1.97 $1.56 $1.74 $2.45 $3.73 $2.29 $0.55
Weighted Average Basic Shares Outstanding		 11.70M 14.80M 17.70M 19.70M 19.90M 19.84M 41.49M 39.65M 38.53M 38.83M 43.64M
Diluted Earnings per Share		 $1.18 $1.43 $2.00 $1.04 $1.97 $1.55 $1.74 $2.45 $3.73 $2.29 $0.55
Weighted Average Diluted Shares Outstanding		 11.70M 14.80M 17.70M 19.70M 19.90M 19.84M 41.49M 39.65M 38.53M 38.83M 43.64M
Weighted Average Basic & Diluted Shares Outstanding		 11.70M 14.80M 17.70M 19.70M 19.90M 19.84M 41.49M 39.65M 38.53M 38.83M 43.64M

Quarterly Income Statements for Dime Community Bancshares

This table shows Dime Community Bancshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
Net Income / (Loss) Attributable to Common Shareholders		 38 35 26 13 14 16 17 12 -22 20 28
Consolidated Net Income / (Loss)		 40 37 27 15 16 18 18 13 -20 21 30
Net Income / (Loss) Continuing Operations		 40 37 27 15 16 18 18 13 -20 21 30
Total Pre-Tax Income 		55 51 38 23 25 24 26 18 -17 29 40
Total Revenue		 106 95 91 84 83 82 87 88 57 104 110
Net Interest Income / (Expense)		 97 86 80 76 74 72 76 80 91 94 98
Total Interest Income		 130 141 152 158 159 161 159 164 165 162 168
Loans and Leases Interest Income		 121 128 138 143 145 144 147 152 148 143 145
Investment Securities Interest Income		 7.65 8.43 7.91 7.92 7.92 7.88 7.91 7.77 10 11 11
Other Interest Income		 1.44 3.80 5.87 6.93 6.09 9.56 4.41 4.65 7.47 7.84 11
Total Interest Expense		 33 55 72 81 85 89 84 84 74 68 69
Deposits Interest Expense		 22 37 53 63 74 73 73 74 71 58 60
Long-Term Debt Interest Expense		 9.78 18 18 17 14 15 9.03 8.76 8.54 8.38 8.35
Other Interest Expense		 1.27 - 1.50 1.93 - 1.71 2.01 1.53 - 1.20 0.92
Total Non-Interest Income		 9.47 9.00 10 7.93 8.87 10 12 7.63 -34 9.63 12
Trust Fees by Commissions		 0.45 0.29 0.25 0.29 0.47 0.13 0.29 0.19 0.23 0.10 0.12
Other Service Charges		 4.75 4.30 5.41 4.50 4.40 5.01 4.53 4.61 4.73 5.35 5.68
Net Realized & Unrealized Capital Gains on Investments		 2.07 2.25 1.90 0.82 2.35 2.86 4.50 0.23 -40 0.19 1.53
Other Non-Interest Income		 2.19 2.16 2.85 2.32 1.66 2.46 2.48 2.61 1.62 3.99 4.19
Provision for Credit Losses		 0.34 -3.65 0.89 1.81 3.72 5.21 5.59 12 14 9.63 9.22
Total Non-Interest Expense		 51 47 52 60 54 53 56 58 61 66 60
Salaries and Employee Benefits		 32 27 30 31 30 32 32 36 36 36 36
Net Occupancy & Equipment Expense		 11 12 11 12 11 12 12 12 12 13 13
Marketing Expense		 1.56 1.45 1.49 2.08 1.77 1.50 1.64 1.63 1.90 1.67 1.76
Property & Liability Insurance Claims		 0.80 1.87 1.87 1.87 3.24 2.24 2.25 2.11 2.12 2.05 1.69
Other Operating Expenses		 4.90 5.53 7.23 13 7.22 4.75 7.52 5.59 8.50 13 7.77
Amortization Expense		 0.43 0.38 0.35 0.35 0.35 0.31 0.29 0.29 0.29 0.25 0.24
Income Tax Expense		 15 14 10 8.09 9.02 6.59 7.55 4.90 3.32 7.25 10
Preferred Stock Dividends Declared		 1.82 1.82 1.82 1.82 1.82 1.82 1.82 1.82 1.82 1.82 1.82
Other Adjustment to Net Income / (Loss) Attributable to Common Shareholders)		 - - - - - - - - - - -0.08
Basic Earnings per Share		 $0.99 $0.92 $0.66 $0.34 $0.37 $0.41 $0.43 $0.29 ($0.58) $0.45 $0.64
Weighted Average Basic Shares Outstanding		 38.53M 38.81M 38.83M 38.82M 38.83M 38.97M 39.15M 39.15M 43.64M 43.82M 43.89M
Diluted Earnings per Share		 $0.99 $0.92 $0.66 $0.34 $0.37 $0.41 $0.43 $0.29 ($0.58) $0.45 $0.64
Weighted Average Diluted Shares Outstanding		 38.53M 38.81M 38.83M 38.82M 38.83M 38.97M 39.15M 39.15M 43.64M 43.82M 43.89M
Weighted Average Basic & Diluted Shares Outstanding		 38.53M 38.81M 38.83M 38.82M 38.83M 38.97M 39.15M 39.15M 43.64M 43.82M 43.89M

Annual Cash Flow Statements for Dime Community Bancshares

This table details how cash moves in and out of Dime Community Bancshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 6.16 53 9.28 -19 201 8.23 88 150 -224 288 826
Net Cash From Operating Activities		 26 32 44 47 58 68 60 146 295 91 99
Net Cash From Continuing Operating Activities		 26 32 44 47 58 68 60 146 295 91 99
Net Income / (Loss) Continuing Operations		 14 21 35 21 39 36 42 104 153 96 29
Consolidated Net Income / (Loss)		 14 21 35 21 39 36 42 104 153 96 29
Provision For Loan Losses		 2.20 4.00 5.55 14 1.80 17 26 6.21 5.37 2.77 36
Depreciation Expense		 0.48 -3.79 3.48 3.83 3.82 5.08 5.07 7.81 8.31 6.03 5.69
Amortization Expense		 4.06 6.38 -1.09 -0.53 2.83 0.00 0.00 2.62 1.88 1.99 2.77
Non-Cash Adjustments to Reconcile Net Income		 1.72 0.10 -0.09 0.74 9.23 10 14 19 17 20 39
Changes in Operating Assets and Liabilities, net		 3.59 3.72 0.89 8.20 1.47 -0.15 -28 7.15 110 -36 -14
Net Cash From Investing Activities		 -171 -452 -280 -412 -81 -10 -324 1,103 -1,332 -214 64
Net Cash From Continuing Investing Activities		 -171 -452 -280 -412 -81 -10 -324 1,103 -1,332 -214 64
Purchase of Investment Securities		 -1,058 -1,026 -1,284 -1,302 -976 -320 -291 -1,139 -187 -138 -431
Sale of Property, Leasehold Improvements and Equipment		 - - - - - - 0.00 0.00 1.91 0.03 19
Sale and/or Maturity of Investments		 890 554 1,008 892 901 290 294 1,959 213 184 628
Other Investing Activities, net		 - - - - - 19 -328 283 -1,360 -260 -153
Net Cash From Financing Activities		 151 473 245 346 223 -50 353 -1,099 813 411 663
Net Cash From Continuing Financing Activities		 151 473 245 346 223 -50 353 -1,099 813 411 663
Net Change in Deposits		 125 224 83 409 552 -83 176 519 -204 276 1,156
Issuance of Debt		 1.50 202 200 5.06 - 196 107 25 193 -1.36 182
Issuance of Common Equity		 0.63 0.78 48 0.95 1.02 - - - 0.00 0.00 136
Repayment of Debt		 -1.45 - - -0.35 -261 -120 14 -1,537 915 182 -765
Repurchase of Common Equity		 -0.17 -0.23 -0.34 -0.35 -0.59 -24 -35 -59 -47 -0.95 0.00
Payment of Dividends		 -11 -13 -16 -18 -18 -20 -23 -47 -44 -45 -45
Other Financing Activities, Net		 36 59 -70 -50 -50 0.37 -2.94 0.48 -0.39 -0.09 -0.24
Cash Interest Paid		 7.38 8.79 17 23 32 93 59 28 55 281 343
Cash Income Taxes Paid		 4.07 8.74 22 8.45 2.47 12 16 35 44 38 29

Quarterly Cash Flow Statements for Dime Community Bancshares

This table details how cash moves in and out of Dime Community Bancshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
Net Change in Cash & Equivalents		 -144 494 -211 -94 99 -87 43 212 658 -253 126
Net Cash From Operating Activities		 48 13 31 86 -40 31 13 -33 89 65 23
Net Cash From Continuing Operating Activities		 48 13 31 86 -40 31 13 -33 89 65 23
Net Income / (Loss) Continuing Operations		 40 37 27 15 16 18 18 13 -20 21 30
Consolidated Net Income / (Loss)		 40 37 27 15 16 18 18 13 -20 21 30
Provision For Loan Losses		 0.34 -3.65 0.89 1.81 3.72 5.21 5.59 12 14 9.63 9.22
Depreciation Expense		 1.89 1.60 1.45 1.50 1.47 1.57 1.36 1.51 1.25 1.09 1.10
Amortization Expense		 0.43 0.38 0.35 0.35 0.91 0.94 0.92 0.89 0.03 -0.37 0.03
Non-Cash Adjustments to Reconcile Net Income		 7.05 6.74 2.26 3.98 6.64 1.27 -3.05 -0.42 41 -1.68 2.93
Changes in Operating Assets and Liabilities, net		 -2.04 -29 -1.26 64 -69 4.05 -11 -60 53 35 -20
Net Cash From Investing Activities		 -457 -191 -131 42 65 66 -11 -17 25 -85 -7.70
Net Cash From Continuing Investing Activities		 -457 -191 -131 42 65 66 -11 -17 25 -85 -7.70
Purchase of Investment Securities		 -34 -119 -5.02 1.69 -16 -5.29 -7.54 -22 -420 -132 -55
Sale and/or Maturity of Investments		 32 104 25 31 24 60 64 75 453 32 70
Other Investing Activities, net		 -456 -175 -151 9.32 57 7.64 -80 -70 -11 15 -23
Net Cash From Financing Activities		 265 671 -111 -222 73 -184 41 262 544 -234 111
Net Cash From Continuing Financing Activities		 265 671 -111 -222 73 -184 41 262 544 -234 111
Net Change in Deposits		 -234 316 -47 114 -106 368 130 389 269 -70 124
Issuance of Debt		 -560 368 -51 -325 6.64 0.00 73 599 50 -50 50
Repayment of Debt		 1,070 - - - 183 -540 - -715 100 -100 -50
Payment of Dividends		 -11 -11 -11 -11 -11 -11 -11 -11 -11 -13 -13
Other Financing Activities, Net		 0.37 -0.91 0.35 0.13 0.34 -0.82 0.29 -0.04 0.33 -1.04 -0.93
Cash Interest Paid		 32 47 67 80 87 87 90 88 78 69 69
Cash Income Taxes Paid		 8.39 1.97 28 1.80 6.64 6.68 9.53 12 0.83 4.00 15

Annual Balance Sheets for Dime Community Bancshares

This table presents Dime Community Bancshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 2,289 3,782 4,055 4,430 4,701 4,922 6,782 12,066 13,190 13,636 14,353
Cash and Due from Banks		 45 80 102 77 142 78 244 394 169 458 1,284
Trading Account Securities		 802 1,009 1,043 941 841 785 564 1,788 1,691 1,603 1,445
Loans and Leases, Net of Allowance		 1,321 2,390 2,575 3,071 3,244 3,647 5,581 9,161 10,483 10,702 10,783
Loans and Leases		 1,338 2,411 2,600 3,103 3,276 3,680 5,622 9,245 10,567 10,773 10,872
Allowance for Loan and Lease Losses		 18 21 26 32 31 33 41 84 84 72 89
Loans Held for Sale		 - - - - - - 5.90 5.49 0.00 10 23
Premises and Equipment, Net		 32 40 35 34 35 34 19 51 47 46 35
Goodwill		 9.45 98 106 106 106 106 56 156 156 156 156
Intangible Assets		 0.84 8.38 5.82 5.21 4.37 3.68 0.00 8.36 6.48 5.06 3.90
Other Assets		 71 132 176 179 175 229 313 9,664 637 657 625
Total Liabilities & Shareholders' Equity		 2,289 3,782 4,055 4,430 4,701 4,922 6,782 12,066 13,190 13,636 14,353
Total Liabilities		 2,113 3,441 3,647 4,001 4,247 4,424 6,081 10,874 12,020 12,410 12,957
Non-Interest Bearing Deposits		 - - - - - - 781 3,920 3,519 2,945 3,411
Interest Bearing Deposits		 1,834 2,844 2,926 3,335 3,886 3,815 3,744 6,539 6,735 7,585 8,276
Long-Term Debt		 154 392 590 580 319 514 1,438 224 1,333 1,513 930
Other Long-Term Liabilities		 14 35 29 35 41 95 117 191 433 366 340
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 175 341 408 429 454 497 701 1,193 1,170 1,226 1,397
Total Preferred & Common Equity		 175 341 408 429 454 497 701 1,193 1,170 1,226 1,397
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 117 117 117 117 117
Total Common Equity		 175 341 408 429 454 497 585 1,076 1,053 1,110 1,280
Common Stock		 119 279 330 348 352 357 279 495 496 495 625
Retained Earnings		 65 72 92 97 117 151 601 655 763 813 795
Treasury Stock		 -0.03 - -0.16 -0.30 -0.78 -1.84 -287 -59 -103 -98 -87
Accumulated Other Comprehensive Income / (Loss)		 -8.37 -9.62 -13 -15 -15 -8.34 -5.92 -6.18 -94 -92 -45
Other Equity Adjustments		 - - - - - - -1.50 -7.84 -8.08 -8.62 -7.64

Quarterly Balance Sheets for Dime Community Bancshares

This table presents Dime Community Bancshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2022 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025
Period end date 6/30/2022 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025
Total Assets		 12,347 12,886 13,842 13,803 13,651 13,501 13,549 13,747 14,098 14,208
Cash and Due from Banks		 281 313 663 453 359 371 414 626 1,031 1,157
Trading Account Securities		 1,695 1,717 1,663 1,647 1,648 1,584 1,542 1,473 1,441 1,420
Loans and Leases, Net of Allowance		 9,581 10,035 10,654 10,801 10,778 10,689 10,747 10,807 10,778 10,778
Loans and Leases		 9,661 10,117 10,732 10,876 10,851 10,765 10,825 10,892 10,869 10,871
Allowance for Loan and Lease Losses		 79 82 78 76 73 76 78 85 90 93
Loans Held for Sale		 0.53 0.29 2.17 0.37 3.92 8.97 15 13 2.53 14
Premises and Equipment, Net		 49 47 46 46 46 45 36 35 34 34
Goodwill		 156 156 156 156 156 156 156 156 156 156
Intangible Assets		 7.35 6.92 6.11 5.76 5.41 4.75 4.47 4.18 3.64 3.41
Other Assets		 577 610 11,306 695 656 644 635 633 652 647
Total Liabilities & Shareholders' Equity		 12,347 12,886 13,842 13,803 13,651 13,501 13,549 13,747 14,098 14,208
Total Liabilities		 11,207 11,745 12,650 12,600 12,447 12,262 12,298 12,483 12,686 12,777
Non-Interest Bearing Deposits		 3,840 3,831 3,122 2,955 3,043 2,921 3,065 3,319 3,334 3,478
Interest Bearing Deposits		 6,726 6,658 7,448 7,568 7,594 7,978 7,963 8,098 8,282 8,262
Long-Term Debt		 302 822 1,700 1,648 1,323 973 896 780 780 780
Other Long-Term Liabilities		 338 434 380 429 487 390 374 285 289 256
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,141 1,141 1,191 1,203 1,204 1,239 1,251 1,264 1,412 1,431
Total Preferred & Common Equity		 1,141 1,141 1,191 1,203 1,204 1,239 1,251 1,264 1,412 1,431
Preferred Stock		 117 117 117 117 117 117 117 117 117 117
Total Common Equity		 1,024 1,024 1,075 1,086 1,088 1,123 1,134 1,147 1,295 1,314
Common Stock		 496 496 494 494 495 493 489 489 624 623
Retained Earnings		 705 734 789 805 808 819 826 828 803 820
Treasury Stock		 -97 -103 -96 -97 -98 -94 -86 -86 -80 -77
Accumulated Other Comprehensive Income / (Loss)		 -70 -93 -99 -104 -107 -85 -83 -73 -39 -38
Other Equity Adjustments		 -10 -9.18 -13 -12 -10 -10 -12 -10 -13 -14

Annual Metrics And Ratios for Dime Community Bancshares

This table displays calculated financial ratios and metrics derived from Dime Community Bancshares' official financial filings.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 25.92% 43.86% 25.87% 6.09% 2.12% 7.58% 24.68% 100.87% 4.59% -15.61% -10.96%
EBITDA Growth		 -4.82% 34.98% 64.37% -24.51% 28.61% -5.61% 15.63% 164.09% 40.05% -34.77% -58.66%
EBIT Growth		 6.27% 51.84% 70.23% -27.26% 22.50% -3.11% 17.33% 169.47% 43.03% -35.41% -62.42%
NOPAT Growth		 5.12% 53.39% 68.12% -42.13% 90.99% -7.75% 16.95% 145.75% 46.69% -37.01% -69.73%
Net Income Growth		 5.12% 53.39% 68.12% -42.13% 90.99% -7.75% 16.95% 145.75% 46.69% -37.01% -69.73%
EPS Growth		 -13.24% 21.19% 39.86% -48.00% 89.42% -21.32% 12.26% 40.80% 52.24% -38.61% -75.98%
Operating Cash Flow Growth		 3.12% 22.14% 40.32% 5.86% 24.68% 17.31% -12.50% 144.16% 101.72% -69.21% 9.00%
Free Cash Flow Firm Growth		 38.92% -492.77% 54.71% 105.30% 2,790.92% -173.37% -436.21% 176.20% -212.89% 84.88% 413.01%
Invested Capital Growth		 28.35% 114.39% 27.47% 1.10% -23.41% 30.83% 111.36% -33.78% 76.64% 9.48% -15.06%
Revenue Q/Q Growth		 5.75% 11.33% 1.93% 2.94% 0.78% -1.93% 8.22% 14.52% 1.07% -6.19% -7.58%
EBITDA Q/Q Growth		 4.21% 19.29% 2.52% -27.00% 54.01% -27.24% 19.53% 40.94% 1.26% -17.08% -42.08%
EBIT Q/Q Growth		 4.70% 21.20% 3.51% -28.16% 60.52% -27.18% 17.47% 41.88% 1.96% -17.93% -45.20%
NOPAT Q/Q Growth		 4.27% 22.14% 3.39% -43.91% 112.65% -29.53% 17.78% 41.05% 3.18% -19.82% -55.80%
Net Income Q/Q Growth		 4.27% 22.14% 3.39% -43.91% 112.65% -29.53% 17.78% 41.05% 3.18% -19.82% -55.80%
EPS Q/Q Growth		 3.51% 14.40% -0.99% -45.55% 114.13% -39.69% 40.32% 54.09% -1.06% -21.31% -63.33%
Operating Cash Flow Q/Q Growth		 -14.97% 55.69% 0.67% -10.70% 14.66% 5.16% -13.14% -14.55% 25.88% -49.13% 430.18%
Free Cash Flow Firm Q/Q Growth		 56.55% -95.93% -6.39% 105.17% 19.20% -203.10% -924.17% 251.79% -139.58% 68.26% -19.57%
Invested Capital Q/Q Growth		 3.36% 36.63% 28.58% 1.21% -1.48% 12.04% 164.88% -0.65% 27.46% 8.38% 13.82%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 33.78% 31.70% 41.40% 29.45% 37.09% 32.54% 30.18% 39.68% 53.13% 41.07% 19.07%
EBIT Margin		 27.77% 29.32% 39.65% 27.18% 32.60% 29.36% 27.63% 37.07% 50.70% 38.80% 16.38%
Profit (Net Income) Margin		 18.20% 19.41% 25.92% 14.14% 26.44% 22.67% 21.27% 26.02% 36.50% 27.24% 9.26%
Tax Burden Percent		 65.53% 66.20% 65.38% 52.02% 81.10% 77.22% 76.96% 70.19% 71.99% 70.20% 56.54%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 34.47% 33.80% 34.62% 47.98% 18.90% 22.78% 23.04% 29.81% 28.01% 29.80% 43.46%
Return on Invested Capital (ROIC)		 4.23% 3.67% 3.98% 2.04% 4.40% 4.05% 2.69% 5.85% 7.79% 3.67% 1.15%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.23% 3.67% 3.98% 2.04% 4.40% 4.05% 2.69% 5.85% 7.79% 3.67% 1.15%
Return on Net Nonoperating Assets (RNNOA)		 4.00% 4.51% 5.49% 2.86% 4.49% 3.56% 4.38% 5.13% 5.13% 4.36% 1.07%
Return on Equity (ROE)		 8.23% 8.18% 9.48% 4.91% 8.88% 7.61% 7.06% 10.98% 12.92% 8.02% 2.22%
Cash Return on Invested Capital (CROIC)		 -20.60% -69.10% -20.17% 0.95% 30.92% -22.66% -68.85% 46.49% -47.62% -5.38% 17.44%
Operating Return on Assets (OROA)		 1.00% 1.05% 1.39% 0.93% 1.06% 0.97% 0.94% 1.57% 1.68% 1.02% 0.37%
Return on Assets (ROA)		 0.66% 0.70% 0.91% 0.48% 0.86% 0.75% 0.72% 1.10% 1.21% 0.72% 0.21%
Return on Common Equity (ROCE)		 8.23% 8.18% 9.48% 4.91% 8.88% 7.61% 6.38% 9.63% 11.64% 7.24% 2.02%
Return on Equity Simple (ROE_SIMPLE)		 7.86% 6.19% 8.70% 4.79% 8.64% 7.28% 6.04% 8.72% 13.04% 7.84% 2.08%
Net Operating Profit after Tax (NOPAT)		 14 21 35 21 39 36 42 104 153 96 29
NOPAT Margin		 18.20% 19.41% 25.92% 14.14% 26.44% 22.67% 21.27% 26.02% 36.50% 27.24% 9.26%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 52.01% 47.47% 46.23% 48.91% 50.40% 49.33% 43.58% 40.11% 41.00% 48.12% 60.59%
Operating Expenses to Revenue		 69.32% 67.01% 56.30% 63.15% 66.18% 59.77% 59.22% 61.37% 48.02% 60.41% 72.13%
Earnings before Interest and Taxes (EBIT)		 21 32 54 39 48 47 55 148 212 137 51
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 26 34 57 43 55 52 60 159 222 145 60
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.05 0.83 1.11 1.14 0.84 1.07 1.49 1.16 1.06 0.90 1.04
Price to Tangible Book Value (P/TBV)		 1.12 1.21 1.52 1.54 1.11 1.37 1.65 1.37 1.25 1.05 1.19
Price to Revenue (P/Rev)		 2.44 2.61 3.30 3.37 2.58 3.34 4.39 3.13 2.67 2.82 4.24
Price to Earnings (P/E)		 13.40 13.46 12.73 23.87 9.75 14.71 23.27 12.94 7.68 11.20 61.05
Dividend Yield		 9.39% 7.71% 5.80% 5.95% 7.70% 5.52% 7.22% 3.48% 3.32% 3.86% 3.28%
Earnings Yield		 7.47% 7.43% 7.86% 4.19% 10.26% 6.80% 4.30% 7.73% 13.02% 8.93% 1.64%
Enterprise Value to Invested Capital (EV/IC)		 0.88 0.79 0.93 0.97 0.53 0.92 1.02 0.85 0.96 0.79 0.47
Enterprise Value to Revenue (EV/Rev)		 4.27 5.72 6.78 6.72 2.74 5.83 10.98 3.00 5.73 6.14 3.48
Enterprise Value to EBITDA (EV/EBITDA)		 12.65 18.04 16.39 22.82 7.39 17.91 36.38 7.56 10.79 14.96 18.26
Enterprise Value to EBIT (EV/EBIT)		 15.38 19.51 17.11 24.73 8.41 19.85 39.73 8.09 11.30 15.83 21.27
Enterprise Value to NOPAT (EV/NOPAT)		 23.48 29.47 26.17 47.54 10.37 25.70 51.62 11.52 15.70 22.55 37.62
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.52 19.74 21.00 20.85 6.97 13.58 36.45 8.19 8.12 23.85 11.05
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 102.37 1.48 0.00 0.00 1.45 0.00 0.00 2.48
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.09 1.30 1.45 1.35 0.70 1.04 2.05 0.19 1.14 1.23 0.67
Long-Term Debt to Equity		 0.88 1.15 1.45 1.35 0.70 1.03 2.05 0.19 1.14 1.23 0.67
Financial Leverage		 0.94 1.23 1.38 1.40 1.02 0.88 1.63 0.88 0.66 1.19 0.93
Leverage Ratio		 12.51 11.76 10.46 10.13 10.34 10.12 9.77 9.95 10.69 11.20 10.67
Compound Leverage Factor		 12.51 11.76 10.46 10.13 10.34 10.12 9.77 9.95 10.69 11.20 10.67
Debt to Total Capital		 52.10% 56.48% 59.16% 57.51% 41.33% 50.88% 67.23% 15.81% 53.26% 55.24% 39.98%
Short-Term Debt to Total Capital		 9.92% 6.49% 0.07% 0.09% 0.07% 0.10% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 42.18% 49.98% 59.10% 57.42% 41.26% 50.78% 67.23% 15.81% 53.26% 55.24% 39.98%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 5.45% 8.23% 4.66% 4.26% 5.01%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 47.90% 43.52% 40.84% 42.49% 58.67% 49.12% 27.33% 75.96% 42.08% 40.51% 55.01%
Debt to EBITDA		 7.46 12.84 10.43 13.58 5.81 9.91 23.95 1.41 6.00 10.44 15.53
Net Debt to EBITDA		 5.43 9.80 8.42 11.36 0.44 7.66 19.89 -1.07 5.24 7.29 -5.90
Long-Term Debt to EBITDA		 6.04 11.36 10.42 13.56 5.80 9.90 23.95 1.41 6.00 10.44 15.53
Debt to NOPAT		 13.84 20.97 16.66 28.28 8.15 14.23 33.98 2.15 8.74 15.75 31.99
Net Debt to NOPAT		 10.08 16.01 13.45 23.67 0.62 10.99 28.23 -1.63 7.63 10.99 -12.15
Long-Term Debt to NOPAT		 11.20 18.56 16.64 28.24 8.14 14.20 33.98 2.15 8.74 15.75 31.99
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 9.73% 12.31% 9.87% 9.73% 8.89%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -67 -397 -180 9.54 276 -202 -1,085 827 -933 -141 442
Operating Cash Flow to CapEx		 493.33% 728.92% 1,035.97% 2,263.22% 1,096.39% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -8.98 -39.20 -10.68 0.42 8.56 -2.23 -19.27 30.59 -15.72 -0.48 1.33
Operating Cash Flow to Interest Expense		 3.46 3.11 2.63 2.06 1.81 0.75 1.06 5.42 4.97 0.31 0.30
Operating Cash Flow Less CapEx to Interest Expense		 2.76 2.69 2.37 1.97 1.65 0.75 1.06 5.42 5.00 0.31 0.36
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.03 0.03 0.03 0.03 0.03 0.04 0.03 0.03 0.02
Fixed Asset Turnover		 2.50 3.02 3.66 4.22 4.33 4.62 7.49 11.42 8.56 7.63 7.79
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 366 784 999 1,010 774 1,012 2,139 1,417 2,502 2,739 2,327
Invested Capital Turnover		 0.23 0.19 0.15 0.14 0.17 0.18 0.13 0.22 0.21 0.13 0.12
Increase / (Decrease) in Invested Capital		 81 418 215 11 -237 238 1,127 -723 1,086 237 -413
Enterprise Value (EV)		 323 622 929 976 407 930 2,184 1,198 2,396 2,167 1,094
Market Capitalization		 184 284 452 490 382 532 873 1,251 1,116 995 1,331
Book Value per Share		 $15.03 $19.62 $23.34 $21.78 $22.93 $25.06 $29.58 $26.60 $27.30 $28.58 $32.69
Tangible Book Value per Share		 $14.15 $13.48 $16.95 $16.14 $17.35 $19.54 $26.77 $22.54 $23.09 $24.44 $28.61
Total Capital		 366 784 999 1,010 774 1,012 2,139 1,417 2,502 2,739 2,327
Total Debt		 190 443 591 581 320 515 1,438 224 1,333 1,513 930
Total Long-Term Debt		 154 392 590 580 319 514 1,438 224 1,333 1,513 930
Net Debt		 139 338 477 486 24 398 1,194 -170 1,163 1,056 -353
Capital Expenditures (CapEx)		 5.23 4.33 4.27 2.07 5.33 0.00 0.00 0.00 -1.91 -0.03 -19
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 190 443 591 581 320 515 1,438 224 1,333 1,513 930
Total Depreciation and Amortization (D&A)		 4.54 2.59 2.39 3.30 6.66 5.08 5.07 10 10 8.01 8.46
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.18 $1.43 $2.01 $1.04 $1.97 $2.59 $2.11 $2.45 $3.73 $2.29 $0.55
Adjusted Weighted Average Basic Shares Outstanding		 11.70M 17.45M 19.69M 19.78M 19.85M 19.84M 41.49M 39.65M 38.53M 38.83M 43.64M
Adjusted Diluted Earnings per Share		 $1.18 $1.43 $2.00 $1.04 $1.97 $2.59 $2.11 $2.45 $3.73 $2.29 $0.55
Adjusted Weighted Average Diluted Shares Outstanding		 11.70M 17.45M 19.69M 19.78M 19.85M 19.84M 41.49M 39.65M 38.53M 38.83M 43.64M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 11.70M 17.45M 19.69M 19.78M 19.85M 19.84M 41.49M 39.65M 38.53M 38.83M 43.64M
Normalized Net Operating Profit after Tax (NOPAT)		 17 28 35 25 39 36 54 139 153 96 29
Normalized NOPAT Margin		 22.97% 25.35% 25.48% 17.01% 26.44% 22.67% 27.17% 34.78% 36.50% 27.24% 9.26%
Pre Tax Income Margin		 27.77% 29.32% 39.65% 27.18% 32.60% 29.36% 27.63% 37.07% 50.70% 38.80% 16.38%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.82 3.15 3.22 1.74 1.50 0.52 0.98 5.48 3.57 0.47 0.15
NOPAT to Interest Expense		 1.84 2.08 2.11 0.91 1.22 0.40 0.75 3.85 2.57 0.33 0.09
EBIT Less CapEx to Interest Expense		 2.11 2.72 2.97 1.65 1.34 0.52 0.98 5.48 3.60 0.47 0.21
NOPAT Less CapEx to Interest Expense		 1.14 1.66 1.85 0.81 1.05 0.40 0.75 3.85 2.60 0.33 0.15
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 77.43% 63.55% 45.48% 88.80% 46.76% 55.51% 55.52% 44.85% 28.89% 46.40% 155.83%
Augmented Payout Ratio		 78.69% 64.63% 46.45% 90.50% 48.25% 122.36% 139.07% 101.85% 59.54% 47.39% 155.83%

Quarterly Metrics And Ratios for Dime Community Bancshares

This table displays calculated financial ratios and metrics derived from Dime Community Bancshares' official financial filings.

Metric Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 4.33% -1.62% -14.21% -23.13% -21.90% -13.46% -3.66% 3.73% -31.03% 26.65% 25.64%
EBITDA Growth		 5.06% 2.99% -29.46% -56.56% -51.86% -49.37% -28.06% -17.28% -157.07% 9.85% 45.90%
EBIT Growth		 7.95% 6.06% -30.15% -57.97% -54.14% -52.33% -30.67% -21.04% -167.48% 18.26% 54.32%
NOPAT Growth		 13.30% 8.03% -28.55% -62.05% -59.29% -52.57% -32.80% -11.06% -173.36% 21.29% 60.71%
Net Income Growth		 13.30% 8.03% -28.55% -62.05% -59.29% -52.57% -32.80% -11.06% -225.17% 21.29% 60.71%
EPS Growth		 -3.88% 12.20% -29.79% -65.31% -62.63% -55.43% -34.85% -14.71% -256.76% 9.76% 48.84%
Operating Cash Flow Growth		 468.33% -83.15% -53.98% -13.73% -183.91% 129.09% -59.54% -138.60% 322.30% 112.84% 82.74%
Free Cash Flow Firm Growth		 -237.95% -319.55% -5,904.42% -10.35% 78.87% 148.08% 152.37% 190.41% 281.37% -94.03% -104.89%
Invested Capital Growth		 76.64% 105.78% 97.56% 28.75% 9.48% -23.48% -24.71% -19.12% -15.06% -0.91% 3.03%
Revenue Q/Q Growth		 -3.21% -10.84% -4.36% -6.86% -1.68% -1.20% 6.48% 0.28% -34.63% 81.43% 5.63%
EBITDA Q/Q Growth		 0.27% -8.08% -25.62% -36.64% 11.13% -3.32% 5.68% -27.15% -176.67% 286.09% 40.36%
EBIT Q/Q Growth		 0.59% -7.80% -26.27% -38.53% 9.75% -4.16% 7.23% -30.00% -193.79% 267.98% 39.93%
NOPAT Q/Q Growth		 1.46% -6.88% -26.28% -45.51% 8.83% 8.48% 4.45% -27.88% -189.77% 279.36% 38.40%
Net Income Q/Q Growth		 1.46% -6.88% -26.28% -45.51% 8.83% 8.48% 4.45% -27.88% -253.17% 205.12% 38.40%
EPS Q/Q Growth		 1.02% -7.07% -28.26% -48.48% 8.82% 10.81% 4.88% -32.56% -300.00% 177.59% 42.22%
Operating Cash Flow Q/Q Growth		 -52.30% -71.88% 132.50% 176.66% -146.40% 176.76% -58.94% -363.98% 367.18% -26.51% -64.75%
Free Cash Flow Firm Q/Q Growth		 -110.02% -38.59% 4.75% 60.20% 59.79% 415.42% 3.74% -31.29% -19.34% -89.61% -184.85%
Invested Capital Q/Q Growth		 27.46% 15.56% -1.41% -11.34% 8.38% -19.23% -2.99% -4.76% 13.82% -5.78% 0.87%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 54.16% 55.83% 43.42% 29.54% 33.38% 32.67% 32.42% 23.55% -27.63% 28.33% 37.65%
EBIT Margin		 51.97% 53.75% 41.43% 27.34% 30.52% 29.61% 29.81% 20.81% -29.86% 27.65% 36.62%
Profit (Net Income) Margin		 37.70% 39.37% 30.34% 17.75% 19.65% 21.58% 21.16% 15.22% -35.66% 20.66% 27.07%
Tax Burden Percent		 72.53% 73.25% 73.24% 64.93% 64.38% 72.87% 70.99% 73.13% 119.44% 74.74% 73.92%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 27.47% 26.75% 26.76% 35.07% 35.62% 27.13% 29.01% 26.87% 0.00% 25.26% 26.08%
Return on Invested Capital (ROIC)		 8.04% 7.63% 5.67% 2.97% 2.65% 2.87% 2.85% 2.26% -2.59% 3.15% 4.45%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.04% 7.63% 5.67% 2.97% 2.65% 2.87% 2.85% 2.26% -3.28% 3.15% 4.45%
Return on Net Nonoperating Assets (RNNOA)		 5.30% 6.34% 4.72% 2.72% 3.14% 3.16% 2.96% 1.93% -3.06% 2.08% 2.78%
Return on Equity (ROE)		 13.34% 13.97% 10.40% 5.69% 5.79% 6.04% 5.81% 4.19% -5.65% 5.24% 7.24%
Cash Return on Invested Capital (CROIC)		 -47.62% -61.96% -58.85% -19.80% -5.38% 29.60% 30.89% 24.02% 17.44% 2.41% -0.96%
Operating Return on Assets (OROA)		 1.72% 1.73% 1.27% 0.77% 0.80% 0.74% 0.73% 0.52% -0.67% 0.67% 0.95%
Return on Assets (ROA)		 1.25% 1.27% 0.93% 0.50% 0.52% 0.54% 0.52% 0.38% -0.80% 0.50% 0.70%
Return on Common Equity (ROCE)		 12.02% 12.59% 9.36% 5.13% 5.22% 5.46% 5.26% 3.80% -5.15% 4.78% 6.61%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 13.04% 12.00% 9.95% 0.00% 6.17% 5.39% 5.21% 0.00% 2.33% 3.08%
Net Operating Profit after Tax (NOPAT)		 40 37 27 15 16 18 18 13 -12 21 30
NOPAT Margin		 37.70% 39.37% 30.34% 17.75% 19.65% 21.58% 21.16% 15.22% -20.90% 20.66% 27.07%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.69% 0.00% 0.00%
SG&A Expenses to Revenue		 41.94% 41.89% 47.15% 52.35% 51.98% 55.14% 52.27% 56.82% 86.85% 48.26% 46.13%
Operating Expenses to Revenue		 47.71% 50.10% 57.59% 70.52% 65.00% 64.04% 63.79% 65.93% 105.90% 63.08% 54.97%
Earnings before Interest and Taxes (EBIT)		 55 51 38 23 25 24 26 18 -17 29 40
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 58 53 39 25 28 27 28 21 -16 29 41
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.06 0.76 0.59 0.67 0.90 0.64 0.70 0.97 1.04 0.93 0.89
Price to Tangible Book Value (P/TBV)		 1.25 0.90 0.70 0.79 1.05 0.74 0.81 1.13 1.19 1.06 1.01
Price to Revenue (P/Rev)		 2.67 1.97 1.61 1.95 2.82 2.10 2.35 3.29 4.24 3.60 3.27
Price to Earnings (P/E)		 7.68 5.54 4.70 6.52 11.20 10.32 13.13 19.11 61.05 47.32 31.87
Dividend Yield		 3.32% 4.54% 5.84% 5.19% 3.86% 5.46% 4.95% 3.50% 3.28% 3.62% 3.74%
Earnings Yield		 13.02% 18.03% 21.26% 15.34% 8.93% 9.69% 7.61% 5.23% 1.64% 2.11% 3.14%
Enterprise Value to Invested Capital (EV/IC)		 0.96 0.68 0.69 0.72 0.79 0.65 0.65 0.68 0.47 0.49 0.41
Enterprise Value to Revenue (EV/Rev)		 5.73 4.74 4.88 4.83 6.14 4.21 4.12 4.09 3.48 3.20 2.55
Enterprise Value to EBITDA (EV/EBITDA)		 10.79 8.83 9.45 10.38 14.96 12.07 12.89 13.43 18.26 17.20 12.08
Enterprise Value to EBIT (EV/EBIT)		 11.30 9.19 9.85 10.88 15.83 13.00 14.07 14.80 21.27 19.26 13.03
Enterprise Value to NOPAT (EV/NOPAT)		 15.70 12.71 13.56 15.14 22.55 18.74 20.59 21.11 37.62 32.75 20.70
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.12 8.62 10.17 10.16 23.85 13.24 15.50 0.00 11.05 8.04 6.33
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 1.90 1.80 2.53 2.48 20.29 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.14 1.43 1.37 1.10 1.23 0.79 0.72 0.62 0.67 0.55 0.55
Long-Term Debt to Equity		 1.14 1.43 1.37 1.10 1.23 0.79 0.72 0.62 0.67 0.55 0.55
Financial Leverage		 0.66 0.83 0.83 0.91 1.19 1.10 1.04 0.85 0.93 0.66 0.63
Leverage Ratio		 10.69 11.05 11.16 11.32 11.20 11.25 11.15 11.10 10.67 10.41 10.35
Compound Leverage Factor		 10.69 11.05 11.16 11.32 11.20 11.25 11.15 11.10 10.67 10.41 10.35
Debt to Total Capital		 53.26% 58.80% 57.82% 52.35% 55.24% 43.98% 41.74% 38.17% 39.98% 35.59% 35.29%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 53.26% 58.80% 57.82% 52.35% 55.24% 43.98% 41.74% 38.17% 39.98% 35.59% 35.29%
Preferred Equity to Total Capital		 4.66% 4.03% 4.09% 4.61% 4.26% 5.27% 5.43% 5.70% 5.01% 5.32% 5.27%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 42.08% 37.17% 38.09% 43.04% 40.51% 50.75% 52.83% 56.13% 55.01% 59.09% 59.44%
Debt to EBITDA		 6.00 7.60 7.95 7.57 10.44 8.19 8.32 7.55 15.53 12.48 10.33
Net Debt to EBITDA		 5.24 4.64 5.77 5.52 7.29 5.07 4.47 1.49 -5.90 -4.00 -4.98
Long-Term Debt to EBITDA		 6.00 7.60 7.95 7.57 10.44 8.19 8.32 7.55 15.53 12.48 10.33
Debt to NOPAT		 8.74 10.95 11.42 11.04 15.75 12.72 13.28 11.86 31.99 23.75 17.71
Net Debt to NOPAT		 7.63 6.68 8.28 8.05 10.99 7.88 7.14 2.34 -12.15 -7.62 -8.54
Long-Term Debt to NOPAT		 8.74 10.95 11.42 11.04 15.75 12.72 13.28 11.86 31.99 23.75 17.71
Noncontrolling Interest Sharing Ratio		 9.87% 9.94% 9.95% 9.94% 9.73% 9.59% 9.50% 9.45% 8.89% 8.79% 8.69%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -1,046 -1,449 -1,380 -549 -221 697 723 497 401 42 -35
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -31.62 -26.39 -19.20 -6.75 -2.61 7.79 8.61 5.89 5.39 0.62 -0.51
Operating Cash Flow to Interest Expense		 1.44 0.24 0.43 1.06 -0.47 0.34 0.15 -0.40 1.20 0.97 0.33
Operating Cash Flow Less CapEx to Interest Expense		 1.50 0.24 0.43 1.06 -0.47 0.39 0.30 -0.40 1.24 0.97 0.33
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.02 0.02 0.02 0.02 0.02 0.03
Fixed Asset Turnover		 8.56 8.69 8.44 8.05 7.63 7.53 8.22 8.39 7.79 8.60 10.24
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,502 2,892 2,851 2,528 2,739 2,213 2,146 2,044 2,327 2,192 2,211
Invested Capital Turnover		 0.21 0.19 0.19 0.17 0.13 0.13 0.13 0.15 0.12 0.15 0.16
Increase / (Decrease) in Invested Capital		 1,086 1,486 1,408 564 237 -679 -704 -483 -413 -20 65
Enterprise Value (EV)		 2,396 1,975 1,957 1,815 2,167 1,433 1,389 1,389 1,094 1,076 912
Market Capitalization		 1,116 821 645 734 995 714 790 1,119 1,331 1,210 1,172
Book Value per Share		 $27.30 $27.89 $27.98 $28.02 $28.58 $28.92 $29.10 $29.31 $32.69 $29.69 $30.00
Tangible Book Value per Share		 $23.09 $23.69 $23.82 $23.86 $24.44 $24.78 $24.99 $25.22 $28.61 $26.03 $26.36
Total Capital		 2,502 2,892 2,851 2,528 2,739 2,213 2,146 2,044 2,327 2,192 2,211
Total Debt		 1,333 1,700 1,648 1,323 1,513 973 896 780 930 780 780
Total Long-Term Debt		 1,333 1,700 1,648 1,323 1,513 973 896 780 930 780 780
Net Debt		 1,163 1,037 1,196 964 1,056 602 482 154 -353 -250 -376
Capital Expenditures (CapEx)		 -1.91 0.00 0.00 -0.03 0.00 -3.88 -12 0.00 -2.95 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.45 0.00 0.00
Net Nonoperating Obligations (NNO)		 1,333 1,700 1,648 1,323 1,513 973 896 780 930 780 780
Total Depreciation and Amortization (D&A)		 2.32 1.98 1.80 1.85 2.38 2.51 2.28 2.40 1.28 0.72 1.13
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.99 $0.92 $0.66 $0.34 $0.37 $0.41 $0.43 $0.29 ($0.58) $0.45 $0.64
Adjusted Weighted Average Basic Shares Outstanding		 38.53M 38.81M 38.83M 38.82M 38.83M 38.97M 39.15M 39.15M 43.64M 43.82M 43.89M
Adjusted Diluted Earnings per Share		 $0.99 $0.92 $0.66 $0.34 $0.37 $0.41 $0.43 $0.29 ($0.58) $0.45 $0.64
Adjusted Weighted Average Diluted Shares Outstanding		 38.53M 38.81M 38.83M 38.82M 38.83M 38.97M 39.15M 39.15M 43.64M 43.82M 43.89M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 38.53M 38.81M 38.83M 38.82M 38.83M 38.97M 39.15M 39.15M 43.64M 43.82M 43.89M
Normalized Net Operating Profit after Tax (NOPAT)		 40 37 27 15 16 18 18 13 -12 21 30
Normalized NOPAT Margin		 37.70% 39.37% 30.34% 17.75% 19.65% 21.58% 21.16% 15.22% -20.90% 20.66% 27.07%
Pre Tax Income Margin		 51.97% 53.75% 41.43% 27.34% 30.52% 29.61% 29.81% 20.81% -29.86% 27.65% 36.62%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.67 0.93 0.52 0.28 0.30 0.27 0.31 0.22 -0.23 0.42 0.58
NOPAT to Interest Expense		 1.21 0.68 0.38 0.18 0.19 0.20 0.22 0.16 -0.16 0.32 0.43
EBIT Less CapEx to Interest Expense		 1.73 0.93 0.52 0.28 0.30 0.31 0.46 0.22 -0.19 0.42 0.58
NOPAT Less CapEx to Interest Expense		 1.27 0.68 0.38 0.18 0.19 0.24 0.37 0.16 -0.12 0.32 0.43
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 28.89% 28.15% 30.44% 37.00% 46.40% 58.84% 66.73% 68.51% 155.83% 141.69% 108.44%
Augmented Payout Ratio		 59.54% 47.51% 35.58% 38.01% 47.39% 58.84% 66.73% 68.51% 155.83% 141.69% 108.44%

Key Financial Trends

Dime Community Bancshares (NASDAQ:DCOM) - Financial Summary and Trend Analysis (Last 4 Years)

Dime Community Bancshares has demonstrated generally solid financial performance and growth across multiple key metrics over the past four years, with some volatility related to net income, provisions for loan losses, and investments. Below is a summary of key trends and considerations for retail investors based on quarterly financial data analyzed:

  • Strong net income growth in recent quarters with Q2 2025 net income of $29.7M, up from $21.5M in Q1 2025 and significant improvement from net losses seen in Q4 2024.
  • Consistent net interest income growth, reaching nearly $98.1M in Q2 2025, reflecting solid loan and lease interest income performance ($145.4M in Q2 2025).
  • Increase in total deposits, with a notable $124.2M net cash inflow from deposits in Q2 2025 versus outflows in Q1, supporting funding and growth.
  • Loan portfolio expansion with net loans and leases increasing slightly to $10.78B in Q2 2025, underpinned by a stable allowance for loan and lease losses ($93.2M in Q2 2025).
  • Steady earnings per share improvement, from $0.45 in Q1 2025 to $0.64 in Q2 2025, signaling improved profitability on a per-share basis.
  • Controlled non-interest expenses relative to revenue, although absolute expenses increased slightly with salaries & benefits and occupancy costs staying stable or growing marginally in recent quarters.
  • Provision for loan losses has fluctuated, increasing to $9.22M in Q2 2025 from lower levels in prior periods, indicating a cautious stance on credit quality but also potential credit risk.
  • Capital structure stable with total equity around $1.43B in Q2 2025, with a mix of preferred stock ($116.6M) and common equity, reflecting solid capitalization.
  • Investment securities portfolio purchases and sales show active management, but net cash from investing activities was negative (-$7.7M) in Q2 2025, which may affect liquidity.
  • Interest expense on deposits and long-term debt is significant ($69.5M total in Q2 2025), putting pressure on net interest margin, though offset by strong interest income.
  • Prior quarters (notably Q4 2024) showed a large non-interest income loss from capital gains (-$40.4M), which sharply reduced overall revenues and led to a net loss for that quarter.
  • Volatility in cash flows from investing activities linked to large swings in investment security transactions, potentially creating earnings unpredictability.
  • Large swings in financing cash flows, including debt issuance and repayments, reflect a somewhat volatile capital strategy.
  • Provisions for credit losses rose noticeably in some quarters and remain a watch point given economic uncertainties that may impact the loan portfolio quality.

Overall...: Dime Community Bancshares has shown steady improvement in profitability and core banking operations into 2025, with strong net interest income and deposit growth supporting earnings. However, investors should monitor periodic volatility from investment gains/losses and provisions for credit losses, which have impacted quarterly earnings previously. The bank remains well-capitalized with a solid asset base, highlighting operational resilience.

Retail investors might consider DCOM stock attractive for exposure to a regional bank with improving fundamentals but should remain mindful of ongoing economic and market risks influencing credit quality and investment returns.

08/08/25 03:20 AMAI Generated. May Contain Errors.

Frequently Asked Questions About Dime Community Bancshares' Financials

When does Dime Community Bancshares' fiscal year end?

According to the most recent income statement we have on file, Dime Community Bancshares' financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Dime Community Bancshares' net income changed over the last 10 years?

Dime Community Bancshares' net income appears to be on an upward trend, with a most recent value of $29.08 million in 2024, rising from $13.76 million in 2014. The previous period was $96.09 million in 2023. See Dime Community Bancshares' forecast for analyst expectations on what’s next for the company.

How has Dime Community Bancshares' revenue changed over the last 10 years?

Over the last 10 years, Dime Community Bancshares' total revenue changed from $75.62 million in 2014 to $314.10 million in 2024, a change of 315.4%.

How much debt does Dime Community Bancshares have?

Dime Community Bancshares' total liabilities were at $12.96 billion at the end of 2024, a 4.4% increase from 2023, and a 513.1% increase since 2014.

How much cash does Dime Community Bancshares have?

In the past 10 years, Dime Community Bancshares' cash and equivalents has ranged from $45.11 million in 2014 to $1.28 billion in 2024, and is currently $1.28 billion as of their latest financial filing in 2024.

How has Dime Community Bancshares' book value per share changed over the last 10 years?

Over the last 10 years, Dime Community Bancshares' book value per share changed from 15.03 in 2014 to 32.69 in 2024, a change of 117.5%.


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This page (NASDAQ:DCOM) was last updated on 8/8/2025 by MarketBeat.com Staff
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