NYSE : DCOM
Dime Community Bancshares, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 42.34 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 1.85B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 582.90M | 583.05M | 590.49M | 554.49M | 406.60M | 359.02M |
| Interest Income on Investments | 129.62M | 102.39M | 59.66M | 54.87M | 32.62M | 25.61M |
| Total Interest Income | 712.52M | 685.44M | 650.15M | 609.36M | 439.23M | 384.63M |
| Interest Paid on Deposits | 217.68M | 240.13M | 284.75M | 219.04M | 38.43M | 16.53M |
| Interest Paid on Borrowings | 33.89M | 37.31M | 47.35M | 73.74M | 20.93M | 10.49M |
| Total Interest Expense | 251.57M | 277.44M | 332.10M | 292.79M | 59.36M | 27.02M |
| Net Interest Income | 460.94M | 408.00M | 318.05M | 316.57M | 379.86M | 357.61M |
| Gain (Loss) on Sale of Assets | -1.23M | -1.23M | 7.22M | -22.00K | 1.40M | |
| Gain (Loss) on Sale of Investments | 10.00K | 363.00K | -44.01M | -2.21M | 1.84M | |
| Other Non-Interest Income | 48.94M | 44.61M | 32.21M | 36.73M | 34.51M | 31.95M |
| Total Non-Interest Income | 48.23M | 44.93M | -3.96M | 36.21M | 38.16M | 58.57M |
| Revenues Before Loan Losses | 509.18M | 452.93M | 314.10M | 352.78M | 418.02M | 416.18M |
| Provision for Loan Losses | 50.89M | 43.03M | 36.11M | 2.77M | 5.37M | 6.21M |
| Revenue | 458.29M | 409.90M | 277.99M | 350.01M | 412.64M | 409.97M |
| Salaries and Employee Benefits | 151.76M | 143.30M | 129.42M | 112.80M | 115.83M | 102.92M |
| Occupancy Expenses | 17.90M | 17.78M | 16.08M | 16.25M | 18.79M | 16.36M |
| Federal Deposit Insurance | 6.40M | 7.33M | 8.71M | 8.85M | 3.90M | 4.08M |
| Amortization of Goodwill & Intangibles | 834.00K | 958.00K | 1.16M | 1.43M | 1.88M | 2.62M |
| Selling, General & Administrative | 58.95M | 56.41M | 53.42M | 46.85M | 44.85M | 50.33M |
| Other Non-Interest Expense | 19.13M | 17.39M | 14.78M | 17.86M | 12.54M | 13.94M |
| Total Non-Interest Expense | 254.98M | 243.16M | 223.58M | 204.03M | 197.79M | 190.25M |
| EBT Excluding Unusual Items | 203.31M | 166.74M | 54.40M | 145.97M | 214.85M | 219.72M |
| Other Unusual Items | 972.00K | -7.23M | -1.67M | -740.00K | -19.80M | |
| Pretax Income | 200.26M | 156.80M | 51.44M | 136.88M | 211.91M | 148.17M |
| Income Tax Expense | 57.45M | 46.12M | 22.36M | 40.78M | 59.36M | 44.17M |
| Net Income | 142.81M | 110.68M | 29.08M | 96.09M | 152.56M | 104.00M |
| Preferred Dividends & Other Adjustments | 9.94M | 9.18M | 7.66M | 8.53M | 8.97M | 8.50M |
| Net Income to Common | 132.88M | 101.50M | 21.42M | 87.57M | 143.58M | 95.50M |
| Basic Shares Outstanding | 43.13M | 43.02M | 38.93M | 38.19M | 38.54M | 38.90M |
| Diluted Shares Outstanding | 43.13M | 43.02M | 38.93M | 38.19M | 38.54M | 38.90M |
| EPS (Basic) | 3.08 | 2.36 | 0.55 | 2.29 | 3.73 | 2.45 |
| EPS (Diluted) | 3.08 | 2.36 | 0.55 | 2.29 | 3.73 | 2.45 |
| Dividend Per Share | 1.00 | 1.00 | 1.00 | 0.99 | 0.96 | 0.96 |
| Effective Tax Rate | 28.69% | 29.41% | 43.46% | 29.80% | 28.01% | 29.81% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 2.18B | 2.35B | 1.28B | 457.55M | 169.30M | 393.72M |
| Investment Securities | 305.37M | 304.06M | 522.30M | 526.16M | 516.00M | |
| Trading Asset Securities | 99.95M | 76.31M | 116.50M | 122.13M | 154.49M | 45.09M |
| Mortgage-Backed Securities | 1.60B | 1.11B | 1.03B | 960.78M | 1.01B | 1.23B |
| Total Investments | 1.70B | 1.50B | 1.45B | 1.61B | 1.69B | 1.79B |
| Gross Loans | 10.92B | 10.76B | 10.87B | 10.77B | 10.57B | 9.24B |
| Allowance for Loan Losses | -108.55M | -97.37M | -88.75M | -71.74M | -83.51M | -83.85M |
| Net Loans | 10.81B | 10.66B | 10.78B | 10.70B | 10.48B | 9.16B |
| Property, Plant & Equipment | 72.83M | 74.13M | 81.05M | 97.60M | 104.61M | 114.63M |
| Goodwill | 155.80M | 155.80M | 155.80M | 155.80M | 155.80M | 155.80M |
| Other Intangible Assets | 2.34M | 2.94M | 3.90M | 5.06M | 6.48M | 8.36M |
| Loans Held for Sale | 2.41M | 1.99M | 22.62M | 10.16M | 5.49M | |
| Accrued Interest Receivable | 57.69M | 55.57M | 55.97M | 55.67M | 48.56M | 44.55M |
| Other Current Assets | 905.00K | 556.00K | ||||
| Long-Term Deferred Tax Assets | 50.76M | 43.24M | 59.17M | 58.15M | 20.40M | |
| Other Real Estate Owned & Foreclosed | 450.00K | |||||
| Other Long-Term Assets | 562.12M | 452.57M | 435.09M | 413.73M | 409.20M | 361.13M |
| Total Assets | 15.55B | 15.34B | 14.35B | 13.64B | 13.19B | 12.07B |
| Interest Bearing Deposits | 8.90B | 8.75B | 8.18B | 7.47B | 6.61B | 6.34B |
| Institutional Deposits | 130.70M | 93.30M | 115.30M | 129.60M | 200.10M | |
| Non-Interest Bearing Deposits | 4.24B | 3.96B | 3.41B | 2.95B | 3.52B | 3.92B |
| Total Deposits | 13.14B | 12.84B | 11.69B | 10.53B | 10.25B | 10.46B |
| Short-Term Borrowings | 99.39M | 473.57M | 658.35M | 121.27M | 138.69M | 42.59M |
| Current Portion of Long-Term Debt | 1.26B | 1.09B | 25.00M | |||
| Current Portion of Leases | 15.21M | |||||
| Other Current Liabilities | 100.55M | 52.40M | 112.42M | 108.10M | 153.04M | 4.55M |
| Long-Term Debt | 231.31M | 272.50M | 272.32M | 200.20M | 200.28M | 197.10M |
| Federal Home Loan Bank Debt, Long-Term | 335.00M | 108.00M | 108.00M | 48.00M | 36.00M | |
| Long-Term Leases | 46.83M | 30.52M | 48.99M | 55.45M | 60.34M | 66.10M |
| Other Long-Term Liabilities | 72.60M | 72.41M | 70.52M | 81.11M | 82.57M | 79.43M |
| Total Liabilities | 14.02B | 13.87B | 12.96B | 12.41B | 12.02B | 10.87B |
| Preferred Stock, Redeemable | 116.57M | 116.57M | 116.57M | 116.57M | 116.57M | 116.57M |
| Common Stock | 462.00K | 462.00K | 461.00K | 416.00K | 416.00K | 416.00K |
| Additional Paid-In Capital | 622.83M | 623.04M | 624.82M | 494.45M | 495.41M | 494.12M |
| Retained Earnings | 926.88M | 854.17M | 794.53M | 813.01M | 762.76M | 654.73M |
| Treasury Stock | -82.36M | -78.34M | -87.20M | -98.02M | -103.12M | -59.19M |
| Comprehensive Income & Other | -61.62M | -40.13M | -52.66M | -100.20M | -102.46M | -14.02M |
| Total Common Equity | 1.41B | 1.36B | 1.28B | 1.11B | 1.05B | 1.08B |
| Shareholders' Equity | 1.52B | 1.48B | 1.40B | 1.23B | 1.17B | 1.19B |
| Total Liabilities & Equity | 15.55B | 15.34B | 14.35B | 13.64B | 13.19B | 12.07B |
| Total Debt | 712.54M | 899.80M | 1.09B | 1.69B | 1.53B | 330.79M |
| Net Cash (Debt) | 1.57B | 1.53B | 312.40M | -1.11B | -1.21B | 108.02M |
| Net Cash Per Share | 36.45 | 35.57 | 8.02 | -29.07 | -31.31 | 2.78 |
| Filing Date Shares Outstanding | 43.81M | 43.91M | 43.64M | 38.83M | 38.53M | 39.65M |
| Total Common Shares Outstanding | 43.81M | 43.86M | 43.62M | 38.82M | 38.57M | 39.88M |
| Book Value Per Share | 32.10 | 30.99 | 29.34 | 28.58 | 27.30 | 26.98 |
| Tangible Book Value | 1.25B | 1.20B | 1.12B | 948.80M | 890.73M | 911.89M |
| Tangible Book Value Per Share | 28.49 | 27.37 | 25.68 | 24.44 | 23.09 | 22.87 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 110.68M | 29.08M | 96.09M | 152.56M | 104.00M | |
| Depreciation & Amortization | 5.62M | 6.86M | 7.45M | 10.19M | 10.43M | |
| Gain (Loss) on Sale of Assets | 1.23M | -7.22M | 22.00K | -1.40M | ||
| Gain (Loss) on Sale of Investments | -761.00K | 45.62M | 2.77M | -1.84M | ||
| Provision for Credit Losses | 43.03M | 36.11M | 2.77M | 5.37M | 6.21M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 12.42M | 6.25M | 24.21M | 25.77M | 28.57M | |
| Change in Other Net Operating Assets | 25.24M | -13.79M | -35.62M | 110.25M | 7.15M | |
| Other Operating Activities | -17.39M | -9.92M | -9.75M | -9.61M | 11.19M | |
| Operating Cash Flow | 186.57M | 99.06M | 90.87M | 295.17M | 146.33M | |
| Capital Expenditures | -4.13M | -6.26M | -5.72M | -3.75M | ||
| Sale of Property, Plant and Equipment | 2.00M | 19.27M | 25.00K | 1.91M | 14.00K | |
| Cash Acquisitions | 715.99M | |||||
| Investment in Securities | -64.59M | 177.38M | 63.24M | 94.39M | -578.71M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | 88.46M | -140.91M | -254.81M | -1.35B | 957.73M | |
| Other Investing Activities | -91.19M | 14.64M | -16.78M | -78.17M | 7.80M | |
| Investing Cash Flow | -69.45M | 64.12M | -214.05M | -1.33B | 1.10B | |
| Short-Term Debt Issued | 50.00M | 20.00M | 1.07B | |||
| Long-Term Debt Issued | 132.08M | 162.00M | 193.56M | 25.00M | ||
| Total Debt Issued | 182.08M | 182.00M | 1.26B | 25.00M | ||
| Short-Term Debt Repaid | -150.00M | -615.00M | -502.00K | -1.35B | ||
| Long-Term Debt Repaid | -150.00M | -1.36M | -155.00M | -190.15M | ||
| Total Debt Repaid | -150.00M | -765.00M | -1.36M | -155.50M | -1.54B | |
| Net Debt Issued (Repaid) | -150.00M | -582.92M | 180.64M | 1.11B | -1.51B | |
| Issuance of Common Stock | 924.00K | 136.87M | 1.16M | 1.17M | 1.58M | |
| Repurchase of Common Stock | -2.55M | -1.35M | -2.21M | -48.32M | -59.39M | |
| Preferred Share Repurchases | -121.00K | |||||
| Common Dividends Paid | -42.92M | -38.04M | -37.30M | -36.79M | -39.35M | |
| Preferred Dividends Paid | -7.29M | -7.29M | -7.29M | -7.29M | -7.29M | |
| Total Dividends Paid | -50.21M | -45.32M | -44.59M | -44.08M | -46.64M | |
| Net Increase (Decrease) in Deposit Accounts | 1.16B | 1.16B | 276.41M | -204.23M | 518.68M | |
| Other Financing Activities | -993.00K | |||||
| Financing Cash Flow | 953.28M | 662.84M | 411.42M | 812.59M | -1.10B | |
| Net Cash Flow | 1.07B | 826.02M | 288.25M | -224.43M | 150.12M | |
| Free Cash Flow | 182.44M | 92.80M | 85.15M | 291.43M | 146.33M | |
| Free Cash Flow Margin | 44.51% | 33.38% | 24.33% | 70.62% | 35.69% | |
| Free Cash Flow Per Share | 4.24 | 2.38 | 2.23 | 7.56 | 3.76 | |
| Cash Interest Paid | 278.28M | 343.25M | 280.81M | 54.91M | 28.46M | |
| Cash Income Tax Paid | 53.84M | 28.83M | 37.91M | 43.52M | 34.77M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.87B | 1.32B | 1.34B | 1.05B | 1.23B | 1.42B |
| Last Close Price | 41.76 | 29.27 | 28.85 | 24.24 | 27.40 | 29.40 |
| PE Ratio | 13.85 | 13.01 | 62.62 | 11.94 | 8.55 | 14.89 |
| PS Ratio | 4.10 | 3.22 | 4.83 | 2.99 | 2.98 | 3.47 |
| PB Ratio | 1.30 | 0.90 | 0.96 | 0.85 | 1.05 | 1.19 |
| P/FCF Ratio | 9.52 | 7.24 | 14.46 | 12.28 | 4.21 | 9.72 |
| P/OCF Ratio | 9.31 | 7.08 | 13.54 | 11.50 | 4.16 | 9.72 |
| Debt / Equity Ratio | 0.47 | 0.61 | 0.78 | 1.38 | 1.31 | 0.28 |
| Debt / FCF Ratio | 4.93 | 11.72 | 19.85 | 5.25 | 2.26 | |
| Net Debt / Equity Ratio | -1.03 | -1.04 | -0.22 | 0.91 | 1.03 | -0.09 |
| Net Debt / FCF Ratio | -8.39 | -3.37 | 13.04 | 4.14 | -0.74 | |
| Return on Equity (ROE) | 9.60% | 7.71% | 2.22% | 8.02% | 12.92% | 10.98% |
| Return on Assets (ROA) | 0.95% | 0.74% | 0.21% | 0.72% | 1.21% | 1.10% |
| Earnings Yield | 7.22% | 8.38% | 2.17% | 9.19% | 12.43% | 7.31% |
| FCF Yield | 10.51% | 13.81% | 6.92% | 8.14% | 23.74% | 10.29% |
| Dividend Yield | 2.34% | 3.32% | 3.25% | 3.68% | 3.02% | 2.69% |
| Payout Ratio | 32.46% | 45.37% | 155.83% | 46.40% | 28.89% | 44.84% |
| Buyback Yield / Dilution | -1.60% | -10.51% | -1.95% | 0.91% | 0.94% | -80.62% |
| Total Shareholder Return | 0.78% | -7.18% | 1.30% | 4.59% | 3.95% | -77.93% |