Dime Community Bancshares, Inc. Logo

Dime Community Bancshares, Inc.

DCOMP

(2.2)
Stock Price

20,05 USD

0.89% ROA

7.97% ROE

8.25x PER

Market Cap.

991.485.786,00 USD

114.71% DER

3.88% Yield

22.01% NPM

Dime Community Bancshares, Inc. Stock Analysis

Dime Community Bancshares, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Dime Community Bancshares, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.67x), the stock offers substantial upside potential at a bargain price.

2 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 ROE

ROE in an average range (10.05%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (0.89%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

6 Dividend

The company's history of regular dividend distributions in the last three years showcases its ability to generate reliable income for shareholders.

7 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (83) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

8 DER

The company has a high debt to equity ratio (115%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

9 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

10 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

Dime Community Bancshares, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Dime Community Bancshares, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Dime Community Bancshares, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Dime Community Bancshares, Inc. Revenue
Year Revenue Growth
1996 30.500.000
1997 51.600.000 40.89%
1998 56.500.000 8.67%
1999 64.600.000 12.54%
2000 71.846.000 10.09%
2001 76.897.000 6.57%
2002 0 0%
2003 123.174.000 100%
2004 116.358.000 -5.86%
2005 97.522.000 -19.31%
2006 89.860.000 -8.53%
2007 81.433.000 -10.35%
2008 94.166.000 13.52%
2009 110.738.000 14.97%
2010 143.436.000 22.8%
2011 148.158.000 3.19%
2012 133.691.000 -10.82%
2013 135.950.000 1.66%
2014 133.574.000 -1.78%
2015 137.180.000 2.63%
2016 219.420.000 37.48%
2017 163.832.000 -33.93%
2018 155.849.000 -5.12%
2019 159.589.000 2.34%
2020 180.484.000 11.58%
2021 399.677.000 54.84%
2022 418.019.000 4.39%
2023 337.628.000 -23.81%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Dime Community Bancshares, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1996 0
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Dime Community Bancshares, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1996 7.400.000
1997 9.800.000 24.49%
1998 12.700.000 22.83%
1999 12.400.000 -2.42%
2000 12.635.000 1.86%
2001 13.703.000 7.79%
2002 0 0%
2003 22.913.000 100%
2004 23.453.000 2.3%
2005 22.949.000 -2.2%
2006 23.432.000 2.06%
2007 25.416.000 7.81%
2008 28.624.000 11.21%
2009 31.814.000 10.03%
2010 35.224.000 9.68%
2011 39.218.000 10.18%
2012 39.704.000 1.22%
2013 40.244.000 1.34%
2014 38.430.000 -4.72%
2015 37.294.000 -3.05%
2016 52.020.000 28.31%
2017 49.969.000 -4.1%
2018 55.568.000 10.08%
2019 60.522.000 8.19%
2020 78.821.000 23.22%
2021 129.046.000 38.92%
2022 126.206.000 -2.25%
2023 129.544.000 2.58%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Dime Community Bancshares, Inc. EBITDA
Year EBITDA Growth
1996 36.100.000
1997 62.900.000 42.61%
1998 85.200.000 26.17%
1999 116.100.000 26.61%
2000 141.744.000 18.09%
2001 160.745.000 11.82%
2002 0 0%
2003 158.548.000 100%
2004 145.858.000 -8.7%
2005 136.115.000 -7.16%
2006 142.249.000 4.31%
2007 148.090.000 3.94%
2008 155.246.000 4.61%
2009 140.407.000 -10.57%
2010 152.107.000 7.69%
2011 151.546.000 -0.37%
2012 156.190.000 2.97%
2013 122.692.000 -27.3%
2014 125.427.000 2.18%
2015 124.982.000 -0.36%
2016 187.908.000 33.49%
2017 151.777.000 -23.81%
2018 147.064.000 -3.2%
2019 51.937.000 -183.16%
2020 60.702.000 14.44%
2021 150.788.000 59.74%
2022 281.469.000 46.43%
2023 93.708.000 -200.37%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Dime Community Bancshares, Inc. Gross Profit
Year Gross Profit Growth
1996 30.500.000
1997 51.600.000 40.89%
1998 56.500.000 8.67%
1999 64.600.000 12.54%
2000 71.846.000 10.09%
2001 76.897.000 6.57%
2002 0 0%
2003 123.174.000 100%
2004 116.358.000 -5.86%
2005 97.522.000 -19.31%
2006 89.860.000 -8.53%
2007 81.433.000 -10.35%
2008 94.166.000 13.52%
2009 118.653.000 20.64%
2010 140.745.000 15.7%
2011 144.766.000 2.78%
2012 119.965.000 -20.67%
2013 135.950.000 11.76%
2014 132.925.000 -2.28%
2015 137.180.000 3.1%
2016 151.237.000 9.29%
2017 155.894.000 2.99%
2018 148.670.000 -4.86%
2019 159.589.000 6.84%
2020 180.484.000 11.58%
2021 354.853.000 49.14%
2022 418.019.000 15.11%
2023 337.628.000 -23.81%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Dime Community Bancshares, Inc. Net Profit
Year Net Profit Growth
1996 6.300.000
1997 12.300.000 48.78%
1998 13.100.000 6.11%
1999 19.900.000 34.17%
2000 22.374.000 11.06%
2001 25.240.000 11.35%
2002 0 0%
2003 51.276.000 100%
2004 46.222.000 -10.93%
2005 36.210.000 -27.65%
2006 30.592.000 -18.36%
2007 22.443.000 -36.31%
2008 28.028.000 19.93%
2009 26.189.000 -7.02%
2010 41.389.000 36.72%
2011 47.309.000 12.51%
2012 40.308.000 -17.37%
2013 43.548.000 7.44%
2014 44.246.000 1.58%
2015 44.772.000 1.17%
2016 72.514.000 38.26%
2017 51.882.000 -39.77%
2018 51.288.000 -1.16%
2019 36.186.000 -41.73%
2020 42.042.000 13.93%
2021 103.996.000 59.57%
2022 152.556.000 31.83%
2023 59.940.000 -154.51%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Dime Community Bancshares, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1996 0
1997 0 0%
1998 0 0%
1999 1 0%
2000 1 0%
2001 1 0%
2002 0 0%
2003 1 100%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 100%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 2 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 2 0%
2021 2 50%
2022 4 33.33%
2023 1 -200%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Dime Community Bancshares, Inc. Free Cashflow
Year Free Cashflow Growth
1996 49.300.000
1997 -15.600.000 416.03%
1998 16.000.000 197.5%
1999 4.700.000 -240.43%
2000 9.052.000 48.08%
2001 33.588.000 73.05%
2002 45.465.000 26.12%
2003 63.639.000 28.56%
2004 30.650.000 -107.63%
2005 57.840.000 47.01%
2006 24.140.000 -139.6%
2007 15.207.000 -58.74%
2008 21.333.000 28.72%
2009 26.404.000 19.21%
2010 64.271.000 58.92%
2011 58.713.000 -9.47%
2012 68.283.000 14.02%
2013 59.188.000 -15.37%
2014 45.645.000 -29.67%
2015 48.665.000 6.21%
2016 14.285.000 -240.67%
2017 34.031.000 58.02%
2018 60.015.000 43.3%
2019 66.772.000 10.12%
2020 42.258.000 -58.01%
2021 1.104.067.000 96.17%
2022 291.427.000 -278.85%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Dime Community Bancshares, Inc. Operating Cashflow
Year Operating Cashflow Growth
1996 50.100.000
1997 -14.900.000 436.24%
1998 16.000.000 193.13%
1999 39.100.000 59.08%
2000 10.132.000 -285.91%
2001 34.644.000 70.75%
2002 47.058.000 26.38%
2003 65.589.000 28.25%
2004 32.392.000 -102.49%
2005 59.086.000 45.18%
2006 31.050.000 -90.29%
2007 17.773.000 -74.7%
2008 28.922.000 38.55%
2009 27.851.000 -3.85%
2010 68.181.000 59.15%
2011 62.597.000 -8.92%
2012 72.705.000 13.9%
2013 61.151.000 -18.89%
2014 47.263.000 -29.38%
2015 50.153.000 5.76%
2016 20.059.000 -150.03%
2017 43.262.000 53.63%
2018 64.305.000 32.72%
2019 68.491.000 6.11%
2020 47.387.000 -44.54%
2021 146.327.000 67.62%
2022 295.172.000 50.43%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Dime Community Bancshares, Inc. Capital Expenditure
Year Capital Expenditure Growth
1996 800.000
1997 700.000 -14.29%
1998 0 0%
1999 34.400.000 100%
2000 1.080.000 -3085.19%
2001 1.056.000 -2.27%
2002 1.593.000 33.71%
2003 1.950.000 18.31%
2004 1.742.000 -11.94%
2005 1.246.000 -39.81%
2006 6.910.000 81.97%
2007 2.566.000 -169.29%
2008 7.589.000 66.19%
2009 1.447.000 -424.46%
2010 3.910.000 62.99%
2011 3.884.000 -0.67%
2012 4.422.000 12.17%
2013 1.963.000 -125.27%
2014 1.618.000 -21.32%
2015 1.488.000 -8.74%
2016 5.774.000 74.23%
2017 9.231.000 37.45%
2018 4.290.000 -115.17%
2019 1.719.000 -149.56%
2020 5.129.000 66.48%
2021 -957.740.000 100.54%
2022 3.745.000 25673.83%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Dime Community Bancshares, Inc. Equity
Year Equity Growth
1996 213.100.000
1997 190.900.000 -11.63%
1998 186.300.000 -2.47%
1999 211.700.000 12%
2000 207.169.000 -2.19%
2001 227.116.000 8.78%
2002 265.737.000 14.53%
2003 283.919.000 6.4%
2004 281.721.000 -0.78%
2005 291.714.000 3.43%
2006 290.631.000 -0.37%
2007 268.852.000 -8.1%
2008 276.964.000 2.93%
2009 294.773.000 6.04%
2010 328.734.000 10.33%
2011 361.034.000 8.95%
2012 391.574.000 7.8%
2013 435.163.000 10.02%
2014 459.725.000 5.34%
2015 493.947.000 6.93%
2016 565.868.000 12.71%
2017 598.567.000 5.46%
2018 602.081.000 0.58%
2019 596.758.000 -0.89%
2020 517.831.000 -15.24%
2021 1.192.620.000 56.58%
2022 1.173.722.000 -1.61%
2023 1.204.344.000 2.54%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Dime Community Bancshares, Inc. Assets
Year Assets Growth
1996 1.371.800.000
1997 1.315.000.000 -4.32%
1998 1.623.900.000 19.02%
1999 2.247.600.000 27.75%
2000 2.502.139.000 10.17%
2001 2.721.744.000 8.07%
2002 2.946.374.000 7.62%
2003 2.971.661.000 0.85%
2004 3.377.266.000 12.01%
2005 3.126.226.000 -8.03%
2006 3.173.377.000 1.49%
2007 3.501.175.000 9.36%
2008 4.055.598.000 13.67%
2009 3.952.274.000 -2.61%
2010 4.040.295.000 2.18%
2011 4.021.180.000 -0.48%
2012 3.905.399.000 -2.96%
2013 4.028.091.000 3.05%
2014 4.497.107.000 10.43%
2015 5.032.872.000 10.65%
2016 6.005.430.000 16.19%
2017 6.403.460.000 6.22%
2018 6.320.578.000 -1.31%
2019 6.354.460.000 0.53%
2020 6.434.296.000 1.24%
2021 12.066.364.000 46.68%
2022 13.194.060.000 8.55%
2023 13.651.405.000 3.35%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Dime Community Bancshares, Inc. Liabilities
Year Liabilities Growth
1996 1.158.700.000
1997 1.124.100.000 -3.08%
1998 1.437.600.000 21.81%
1999 2.035.900.000 29.39%
2000 2.294.970.000 11.29%
2001 2.494.628.000 8%
2002 2.680.637.000 6.94%
2003 2.687.742.000 0.26%
2004 3.095.545.000 13.17%
2005 2.834.512.000 -9.21%
2006 2.882.746.000 1.67%
2007 3.232.323.000 10.82%
2008 3.778.634.000 14.46%
2009 3.657.501.000 -3.31%
2010 3.711.561.000 1.46%
2011 3.660.146.000 -1.4%
2012 3.513.825.000 -4.16%
2013 3.592.928.000 2.2%
2014 4.037.382.000 11.01%
2015 4.538.925.000 11.05%
2016 5.439.562.000 16.56%
2017 5.804.893.000 6.29%
2018 5.718.497.000 -1.51%
2019 1.360.254.000 -320.4%
2020 340.772.000 -299.17%
2021 10.873.744.000 96.87%
2022 12.020.338.000 9.54%
2023 1.381.499.000 -770.09%

Dime Community Bancshares, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
9.71
Net Income per Share
3.1
Price to Earning Ratio
8.25x
Price To Sales Ratio
2.64x
POCF Ratio
10.71
PFCF Ratio
11.17
Price to Book Ratio
0.82
EV to Sales
5.36
EV Over EBITDA
7.81
EV to Operating CashFlow
21.81
EV to FreeCashFlow
22.69
Earnings Yield
0.12
FreeCashFlow Yield
0.09
Market Cap
0,99 Bil.
Enterprise Value
2,01 Bil.
Graham Number
46.55
Graham NetNet
-2.91

Income Statement Metrics

Net Income per Share
3.1
Income Quality
0.88
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0.03
Net Income per EBT
0.7
EBT Per Ebit
0.71
Ebit per Revenue
0.44
Effective Tax Rate
0.3

Margins

Sales, General, & Administrative to Revenue
0.33
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1.12
Operating Profit Margin
0.44
Pretax Profit Margin
0.31
Net Profit Margin
0.22

Dividends

Dividend Yield
0.04
Dividend Yield %
3.88
Payout Ratio
0.28
Dividend Per Share
0.99

Operating Metrics

Operating Cashflow per Share
2.38
Free CashFlow per Share
2.29
Capex to Operating CashFlow
-0.04
Capex to Revenue
-0.01
Capex to Depreciation
-0.58
Return on Invested Capital
0.07
Return on Tangible Assets
0.01
Days Sales Outstanding
52.03
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
7.01
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.09

Balance Sheet

Cash per Share
31,74
Book Value per Share
31,11
Tangible Book Value per Share
312.77
Shareholders Equity per Share
31.11
Interest Debt per Share
41.91
Debt to Equity
1.15
Debt to Assets
0.1
Net Debt to EBITDA
3.97
Current Ratio
0
Tangible Asset Value
12,11 Bil.
Net Current Asset Value
-0,10 Bil.
Invested Capital
1.15
Working Capital
1,28 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,05 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.39

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Dime Community Bancshares, Inc. Dividends
Year Dividends Growth
2020 1
2021 1 0%
2022 1 0%
2023 1 0%

Dime Community Bancshares, Inc. Profile

About Dime Community Bancshares, Inc.

Dime Community Bancshares, Inc. operates as the holding company for Dime Community Bank that provides various commercial banking and financial services. It accepts time, savings, and demand deposits from the businesses, consumers, and local municipalities. The company also offers commercial real estate loans; multi-family mortgage loans; residential mortgage loans; secured and unsecured commercial and consumer loans; home equity loans; and construction and land loans. In addition, it invests in Federal Home Loan Bank, Federal National Mortgage Association, Government National Mortgage Association, and Federal Home Loan Mortgage Corporation mortgage-backed securities, collateralized mortgage obligations, and other asset backed securities; U.S. Treasury securities; New York state and local municipal obligations; U.S. government-sponsored enterprise securities; and corporate bonds. Further, the company offers certificate of deposit account registry services and insured cash sweep programs; merchant credit and debit card processing, automated teller machines, cash management services, lockbox processing, online banking services, remote deposit capture, safe deposit boxes, and individual retirement accounts; investment products and services through a third-party broker dealer; and title insurance broker services. As of December 31, 2021, it operated 60 branch locations throughout Long Island and the New York City boroughs of Brooklyn, Queens, Manhattan, and the Bronx. Dime Community Bancshares, Inc. was founded in 1910 and is headquartered in Hauppauge, New York.

CEO
Mr. Stuart H. Lubow
Employee
851
Address
898 Veterans Memorial Highway
Hauppauge, 11788

Dime Community Bancshares, Inc. Executives & BODs

Dime Community Bancshares, Inc. Executives & BODs
# Name Age
1 Mr. Stuart H. Lubow
Chief Executive Officer, Chief Operating Officer, President & Director
70
2 Mr. Austin Stonitsch
Executive Vice President & Chief Human Resources Officer
70
3 Mr. Avinash Reddy
Senior EVice President, Chief Financial Officer & Principal Accounting Officer
70
4 Mr. Mario Caracappa
EVice President, Director of Treasury Management of Sales & Service
70
5 Mr. Michael A. Perez
Executive Vice President & Chief Retail Officer
70
6 Mr. Michael J. Fegan
Senior EVice President and Chief Technology & Operations Officer
70
7 Mr. Christopher J. Porzelt
Executive Vice President & Chief Risk Officer
70
8 Ms. Patricia M. Schaubeck Esq.
Executive Vice President, General Counsel & Secretary
70
9 Mr. Kenneth J. Mahon
Executive Chairman
70
10 Mr. Conrad J. Gunther Jr.
Senior EVice President & Chief Lending Officer
70

Dime Community Bancshares, Inc. Competitors