Dime Commercial Bancshares (DCOM) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Dime Commercial Bancshares

NYSE•Financial Services•Banks - Regional

$40.54-0.39(-0.01%)Pre-market

Market Cap

$1.75B

P/E

13.6x

P/S

2.3x

P/B

1.2x

Dime Commercial Bancshares, Inc. operates as the holding company for Dime Community Bank that engages in the provision of various commercial banking and financial services in the United Stated. The company accepts time, savings, and demand deposits from the businesses, consumers, and local municipalities. It also provides commercial real estate loans; multi-family mortgage loans; residential mortgage loans; letters of credit; secured and unsecured commercial and consumer loans; lines of credit; home equity loans; and construction and land loans. In addition, the company 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; federal deposit insurance corporation insurance; merchant credit and debit card processing, automated teller machines, cash and treasury management services, escrow account 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 for small and medium sized businesses, and municipal and consumer relationships. The company was formerly known as Dime Community Bancshares, Inc. and changed its name to Dime Commercial Bancshares, Inc. in May 2026. Dime Commercial Bancshares, Inc. was founded in 1910 and is headquartered in Hauppauge, New York.

How this company scores

WeakMetricSide Score: 79/100

Grade capped at D — Interest coverage below 1× (0.8x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (24/25); weakest: Balance Sheet & Red Flags (18/25).

Profitability18/25

Growth19/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality24/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

Grade capped at D

Interest coverage below 1× (0.8x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 13.6x5y range 7.1x – 43.0x

Currently near its 20-quarter median.

P/S · 2.3x5y range 1.6x – 3.1x

Currently near its 20-quarter median.

P/B · 1.2x5y range 0.8x – 1.2x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Share Dilution

Red Flag

Shares outstanding increased 12.6% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $1.75B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $750.99M
Q. Revenue: $186.52M
TTM EBITDA: $188.90M
TTM Op. Income: $184.32M
Q. Op. Income: $47.88M
TTM Net Income: $128.92M
Q. Net Income: $34.81M
EPS: $0.75
Shares Out.: $43.22M

$750.99M in TTM revenue grew 14.8% YoY, reaching $186.52M last quarter. TTM EBITDA of $188.90M and TTM operating income of $184.32M show growth is flowing through to the bottom line. TTM net income of $128.92M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 6 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 67.8%
EBITDA Margin: 25.8%
Op. Margin: 25.7%
Net Margin: 18.7%

Op. margin of 25.7% is up 3.2% YoY — cost efficiency is improving. Net margin at 18.7% and gross margin of 67.8% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 14% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 13.6x
P/S Ratio: 2.3x
P/B Ratio: 1.2x

At 13.6x P/E, the stock trades below typical market levels. P/S of 2.3x and P/B of 1.2x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 48% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $15.04B
Cash: $1.93B
Long-Term Debt: $231.19M
Book Value: $1.52B
D/E Ratio: 0.2
Debt/EBITDA: 4.8

With $15.04B in assets and $231.19M in long-term debt, D/E is 0.2and book value is $1.52B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $56.05M
TTM Free Cash Flow: $197.63M
FCF Margin: 26.3%
FCF / Net Income: 1.5

TTM FCF of $197.63M on $56.05M in operating cash flow. The FCF / Net Income ratio of 1.5x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 43% — an improving trend.