Dime Community Bancshares

DCOM · NYSE · Financials · Financials, fiscal 2016 to 2025

DCOM · Last close · November 6, 2026

$42.21

Value Dime Community Bancshares yourself

Dime Community Bancshares' revenue rose 44.2% to $453 million in fiscal 2025. Net income was $111 million, up 280.6%. Its return on equity was 7.7%, up from 2.2% a year earlier. Its efficiency ratio was 55.9%, down from 72.1% a year earlier. It paid out $43 million in dividends and buybacks. The diluted share count rose 10.5%.

DIME COMMERCIAL BANCSHARES, INC. Latest fiscal year ended December 31, 2025 10-K filed February 20, 2026 · 0000846617-26-000013 Updated November 3, 2026

Revenue

$453M

44.2%

Net income

$111M

280.6%

Return on equity

7.7%

5.5 pts

Return on tangible equity

8.7%

6.7 pts

Efficiency ratio

55.9%

16.2 pts

Market cap

$1.8B

Nov 6 close

P/E

13.7x

On $3.09 EPS, 4 qtrs

Return on equity is net income as a share of shareholders' equity; return on tangible equity leaves out goodwill and other intangible assets. The efficiency ratio is operating costs as a share of revenue, so lower means the bank spends less to earn each dollar. Market cap is the last closing share price times the latest diluted share count, so it is approximate. P/E is the last close divided by diluted earnings per share over the last four quarters, or the latest fiscal year where the quarters aren't available; there is none when the company made a loss.

Charts show fiscal years, from the 10-K filings.

What Dime Community Bancshares does

Dime Community Bancshares is the holding company for Dime Community Bank, a commercial bank founded in 1910 and based in Hauppauge, New York. The holding company mainly owns the bank's stock. The bank also owns Dime Abstract, a broker of title insurance services.

The bank takes deposits from businesses, consumers and local governments in its market area. It uses those deposits, plus money it earns and borrows, mainly to make loans and buy securities. Its loans include commercial real estate, multi-family mortgage, residential mortgage, commercial and consumer, home equity, and construction and land loans. It also invests in mortgage-backed securities, US Treasury securities, state and local government bonds and corporate bonds.

It offers services beyond loans and deposits, including merchant card processing, cash and treasury management, escrow accounts, lockbox processing, online banking, remote deposit capture, safe deposit boxes and individual retirement accounts. It also offers programs that extend federal deposit insurance coverage on large deposits, and investment services.

Its biggest risks, as it describes them

Having much of its loan portfolio in real estate loans in one region.
Larger credit losses than it expects.
Limits that regulators could place on its commercial real estate lending.
Changes in interest rates that cut its profit.
Failing to comply with anti-money-laundering, fair lending and other banking rules.

From Dime Community Bancshares's annual report on Form 10-K, filed February 20, 2026, in our words; the 10-K has the full description and every risk factor. Updated with each new annual report.

Income statement

Revenue and net income

US$ billions, fiscal years; net losses in red. Revenue on the left axis, net income on the right; zero is the same line on both. Revenue is net of interest expense.

Revenue (left axis)Net income (right axis)

Efficiency ratio and net interest income

Percent of revenue. The efficiency ratio is noninterest expense over revenue.

Efficiency ratioNet interest income share

From fiscal 2016 to 2025, earnings per share grew 1.9% a year and net income 13.5% a year, as new shares raised the share count by 140% and diluted each share's earnings.

Diluted earnings per share

US$ per share, fiscal years, restated for any stock splits; loss years in red.

Return on equity

Percent. Net income over average equity; tangible equity excludes goodwill, intangibles and preferred stock.

Return on equityReturn on tangible common equity

Balance sheet

Loans and deposits

US$ billions, at each fiscal year end

Loans, netDeposits

Total assets and shareholders' equity

US$ billions, at each fiscal year end. Assets on the left axis, equity on the right.

Total assets (left axis)Equity (right axis)

Five years at a glance

Fiscal year end	FY21	FY22	FY23	FY24	FY25
Loans, net	9,161	10,483	10,702	10,783	10,661
Deposits	10,459	10,254	10,531	11,686	12,841
Loans to deposits	87.6%	102.2%	101.6%	92.3%	83.0%
Provision for credit losses	6	5	3	36	43
Provision to average loans	0.1%	0.1%	0.0%	0.3%	0.4%
Total assets	12,066	13,190	13,636	14,353	15,342
Shareholders' equity	1,193	1,170	1,226	1,396	1,476

US$ millions unless stated, at each fiscal year end.

Cash flow

Stock-based compensation and buybacks

US$ billions, fiscal years. Shares paid to employees (stock-based compensation, a cost that uses no cash) against cash spent buying shares back. Buybacks that only match it leave the share count roughly where it was.

Stock-based compensationShare buybacks

Dividends and buybacks

US$ billions, cash paid in each fiscal year

DividendsShare buybacks

Diluted share count

Weighted-average diluted shares, millions

Projections

Project Dime Community Bancshares' revenue, net income and earnings per share five years ahead in a bull, a base and a bear case with your own figures, and see the share prices your P/E estimates give them. Every projected figure is yours: it is not a forecast of ours.

Open Dime Community Bancshares' projections

Insider trades

Over the 12 months between November 7, 2025 and November 6, 2026, no insider bought Dime Community Bancshares shares on the open market, and 7 insiders sold $13.6 million.

Buys and sells by month

US$ millions, open-market purchases (up) and sales (down) by officers, directors and 10% owners in each month.

BoughtSold

Date	Insider	Trade	Shares	Price	Value	Filing
Nov 3, 2026	Basswood Capital Management L.l.c.Director	Sold	29,732	$42.72	$1.3 million	Form 4
Nov 2, 2026	Basswood Capital Management L.l.c.Director	Sold	34,333	$42.72	$1.5 million	Form 4
Aug 13, 2026	Basswood Opportunity Partners L.p.Director	Sold	7,170	$41.40	$296,838	Form 4
Aug 12, 2026	Basswood Opportunity Partners L.p.Director	Sold	32,335	$40.96	$1.3 million	Form 4
Aug 11, 2026	Basswood Opportunity Partners L.p.Director	Sold	8,674	$40.59	$352,078	Form 4
Aug 6, 2026	Raymond A NielsenDirector	Sold	1,800	$41.73	$75,114	Form 4
Aug 3, 2026	Basswood Opportunity Partners L.p.Director	Sold	20,687	$41.17	$851,684	Form 4
Jul 31, 2026	Basswood Opportunity Partners L.p.Director	Sold	53,000	$40.76	$2.2 million	Form 4
Jul 30, 2026	Basswood Opportunity Partners L.p.Director	Sold	10,929	$40.79	$445,794	Form 4
Jun 18, 2026	Basswood Capital Management L.l.c.Director	Sold	32,751	$39.02	$1.3 million	Form 4
Jun 16, 2026	Bennett D LindenbaumDirector	Sold	14,019	$39.29	$550,807	Form 4
Jun 15, 2026	Bennett D LindenbaumDirector	Sold	14,513	$39.67	$575,731	Form 4

The latest 12 of 21 trades. Open-market purchases and sales by officers, directors and 10% owners, from their Form 4 filings with the SEC: one row per person, day and filing, at the day's average price. Grants, option exercises and shares withheld for tax aren't counted. Insiders buy and sell for many reasons, such as taxes, spreading their savings or a plan set up months earlier, so a trade on its own says little about where a company is heading. For information only, not investment advice. Insider trades at all companies

Compare

Put Dime Community Bancshares side by side with any other company we cover: revenue, growth, margins, cash flow and returns, with ten years of charts.

Similar companies

Company	Year	Revenue growth	Net margin	Return on equity	Return on tangible equity	Efficiency ratio	Compare
Dime Community Bancshares	FY25	44.2%	24.4%	7.7%	8.7%	55.9%
Tompkins Financial	FY25	49.2%	36.1%	19.5%	21.7%	47.1%	Compare
Triumph Bancorp	FY25	5.6%	5.8%	2.8%	4.1%	91.8%	Compare
Hope Bancorp	FY25	5.0%	12.3%	2.8%	3.6%	78.1%	Compare
S&T Bancorp	FY25	4.8%	33.4%	9.4%	12.8%	56.4%	Compare

Each company's latest fiscal year. Fiscal years end in different months, so the periods don't line up exactly.

10 years of figures

Fiscal year	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Income statement
Revenue	137	145	148	160	199	400	418	353	314	453
Revenue growth	25.9%	6.1%	2.1%	7.6%	24.7%	100.9%	4.6%	−15.6%	−11.0%	44.2%
Net interest income	121	127	137	147	178	358	380	317	318	408
Noninterest income	16	18	12	12	21	42	38	36	−4	45
Noninterest expense	77	92	98	95	118	245	201	213	226	253
Provision for credit losses	6	14	2	6	26	6	5	3	36	43
Net income	36	20	39	36	42	104	153	96	29	111
Diluted EPS (US$)	2.00	1.04	1.97	1.55	1.74	2.45	3.73	2.29	0.55	2.36
Diluted shares (millions)	18	19	20	23	22	39	38	38	39	43
Payouts
Dividends paid	16	18	18	20	19	39	37	37	38	43
Share buybacks	0	0	0	24	35	59	47	1	0	0
Balance sheet at fiscal year end
Loans, net	2,574	3,071	3,244	3,648	5,581	9,161	10,483	10,702	10,783	10,661
Deposits	2,926	3,334	3,886	3,815	4,525	10,459	10,254	10,531	11,686	12,841
Total assets	4,055	4,430	4,701	4,922	6,782	12,066	13,190	13,636	14,353	15,342
Shareholders' equity	408	429	602	597	701	1,193	1,170	1,226	1,396	1,476
Ratios
Return on equity	9.5%	4.9%	7.6%	6.0%	6.5%	11.0%	12.9%	8.0%	2.2%	7.7%
Return on tangible common equity	12.8%	6.4%	8.8%	6.7%	7.0%	13.3%	16.0%	9.5%	2.1%	8.7%
Return on assets	0.9%	0.5%	0.9%	0.8%	0.7%	1.1%	1.2%	0.7%	0.2%	0.8%
Efficiency ratio	56.3%	63.1%	66.2%	59.8%	59.2%	61.4%	48.0%	60.4%	72.1%	55.9%

US$ millions unless stated. Where a later 10-K restated a year, the latest filed figure is shown. Download all figures (CSV, US$ millions)

Source: Dime Community Bancshares' Form 10-K filings, from SEC EDGAR. For information only, not investment advice. The Filing Desk is not affiliated with Dime Community Bancshares.