Dime Community Bancshares Inc Financials

DCOM

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows Dime Community Bancshares Inc (DCOM) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Piotroski F-Score Weak

3/9

Dime Community Bancshares Inc passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

3.41x

For every $1 of reported earnings, Dime Community Bancshares Inc generates $3.41 in operating cash flow ($99.1M OCF vs $29.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Revenue

$16.7M

YoY+1.8%

5Y CAGR+23.6%

10Y CAGR-13.9%

Dime Community Bancshares Inc generated $16.7M in revenue in fiscal year 2024. This represents an increase of 1.8% from the prior year.

EBITDA

N/A

Free Cash Flow

N/A

Net Income

$29.1M

YoY-69.7%

5Y CAGR-4.3%

10Y CAGR+7.8%

Dime Community Bancshares Inc reported $29.1M in net income in fiscal year 2024. This represents a decrease of 69.7% from the prior year.

EPS (Diluted)

$0.55

YoY-76.0%

5Y CAGR-18.7%

10Y CAGR-7.3%

Dime Community Bancshares Inc earned $0.55 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 76.0% from the prior year.

Cash & Debt

$1.3B

YoY+180.5%

5Y CAGR+61.4%

10Y CAGR+37.9%

Dime Community Bancshares Inc held $1.3B in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

N/A

Shares Outstanding

44M

YoY+12.4%

5Y CAGR+17.1%

10Y CAGR+14.1%

Dime Community Bancshares Inc had 44M shares outstanding in fiscal year 2024. This represents an increase of 12.4% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

173.9%

YoY-410.7pp

5Y CAGR-449.5pp

10Y CAGR+155.5pp

Dime Community Bancshares Inc's net profit margin was 173.9% in fiscal year 2024, showing the share of revenue converted to profit. This is down 410.7 percentage points from the prior year.

Return on Equity

2.1%

YoY-5.8pp

5Y CAGR-4.0pp

10Y CAGR-5.8pp

Dime Community Bancshares Inc's ROE was 2.1% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 5.8 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

N/A

DCOM Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$16.7M+1.8%	$16.4M+1.4%	$16.2M+1.3%	$16.0M+187.2%	$5.6M-4.0%	$5.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$332.1M+13.4%	$292.8M+393.2%	$59.4M+119.7%	$27.0M-52.0%	$56.3M-38.0%	$90.8M
Income Tax	$22.4M-45.2%	$40.8M-31.3%	$59.4M+34.4%	$44.2M+248.7%	$12.7M+18.6%	$10.7M
Net Income	$29.1M-69.7%	$96.1M-37.0%	$152.6M+46.7%	$104.0M+145.7%	$42.3M+16.9%	$36.2M
EPS (Diluted)	$0.55-76.0%	$2.29-38.6%	$3.73+52.2%	$2.45+40.8%	$1.74+12.3%	$1.55

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$5.2M+12.2%	$4.6M0.0%	$4.6M+17.8%	$3.9M-0.8%	$4.0M-12.6%	$4.5M+19.5%	$3.8M-4.0%	$4.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$72.1M+3.9%	$69.5M+2.7%	$67.7M-9.1%	$74.4M-11.4%	$83.9M-6.2%	$89.5M+5.7%	$84.6M+4.0%	$81.4M
Income Tax	$12.4M+18.6%	$10.5M+44.5%	$7.3M+118.3%	$3.3M-56.0%	$7.6M+14.7%	$6.6M-27.0%	$9.0M+11.5%	$8.1M
Net Income	$27.7M-6.8%	$29.7M+38.4%	$21.5M+205.1%	-$20.4M-210.5%	$18.5M+4.5%	$17.7M+8.5%	$16.3M+8.8%	$15.0M
EPS (Diluted)	$0.59-7.8%	$0.64+42.2%	$0.45+177.6%	$-0.58-234.9%	$0.43+4.9%	$0.41+10.8%	$0.37+8.8%	$0.34

DCOM Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$14.4B+5.3%	$13.6B+3.4%	$13.2B+9.3%	$12.1B+77.9%	$6.8B+37.8%	$4.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.3B+180.5%	$457.5M+170.3%	$169.3M-57.0%	$393.7M-55.1%	$876.8M+648.2%	$117.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$155.8M0.0%	$155.8M0.0%	$155.8M0.0%	$155.8M+180.0%	$55.6M0.0%	$55.6M
Total Liabilities	$13.0B+4.4%	$12.4B+3.2%	$12.0B+10.5%	$10.9B+78.8%	$6.1B+37.4%	$4.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.4B+13.9%	$1.2B+4.8%	$1.2B-1.9%	$1.2B+70.1%	$701.1M+17.5%	$596.8M
Retained Earnings	$794.5M-2.3%	$813.0M+6.6%	$762.8M+16.5%	$654.7M+9.0%	$600.6M+298.6%	$150.7M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$14.5B+2.3%	$14.2B+0.8%	$14.1B-1.8%	$14.4B+5.9%	$13.5B+0.4%	$13.5B-1.0%	$13.6B-0.1%	$13.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.7B+48.3%	$1.2B+12.2%	$1.0B-19.7%	$1.3B+210.1%	$414.0M+11.6%	$370.9M-18.9%	$457.5M+27.5%	$358.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$155.8M0.0%	$155.8M0.0%	$155.8M0.0%	$155.8M0.0%	$155.8M0.0%	$155.8M0.0%	$155.8M0.0%	$155.8M
Total Liabilities	$13.1B+2.4%	$12.8B+0.7%	$12.7B-2.1%	$13.0B+5.4%	$12.3B+0.3%	$12.3B-1.2%	$12.4B-0.3%	$12.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.5B+1.5%	$1.4B+1.3%	$1.4B+1.1%	$1.4B+11.7%	$1.3B+0.9%	$1.2B+1.1%	$1.2B+1.8%	$1.2B
Retained Earnings	$835.1M+1.8%	$820.2M+2.1%	$803.2M+1.1%	$794.5M-3.8%	$826.1M+0.8%	$819.1M+0.8%	$813.0M+0.6%	$808.2M

DCOM Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$99.1M+9.0%	$90.9M-69.2%	$295.2M+101.7%	$146.3M+144.2%	$59.9M-12.5%	$68.5M
Capital Expenditures	N/A	N/A	$3.7M	N/A	$5.1M+55.1%	$3.3M
Free Cash Flow	N/A	N/A	$291.4M	N/A	$54.8M-15.9%	$65.2M
Investing Cash Flow	$64.1M+130.0%	-$214.0M+83.9%	-$1.3B-220.8%	$1.1B+440.0%	-$324.4M-3029.6%	-$10.4M
Financing Cash Flow	$662.8M+61.1%	$411.4M-49.4%	$812.6M+173.9%	-$1.1B-411.7%	$352.6M+806.6%	-$49.9M
Dividends Paid	$38.0M+2.0%	$37.3M+1.4%	$36.8M-6.5%	$39.4M+110.3%	$18.7M-6.8%	$20.1M
Share Buybacks	N/A	$947K-98.0%	$46.8M-21.1%	$59.3M+67.7%	$35.4M+46.2%	$24.2M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$52.1M+125.9%	$23.1M-64.7%	$65.4M-26.5%	$89.0M+605.3%	$12.6M-58.9%	$30.7M+176.8%	-$40.0M-146.4%	$86.3M
Capital Expenditures	$864K	N/A	N/A	$778K	N/A	N/A	N/A	N/A
Free Cash Flow	$51.2M	N/A	N/A	-$34.1M	N/A	N/A	N/A	N/A
Investing Cash Flow	$197.2M+2662.0%	-$7.7M+90.9%	-$84.5M-438.7%	$25.0M+333.1%	-$10.7M-116.1%	$66.4M+1.5%	$65.4M+54.7%	$42.3M
Financing Cash Flow	$309.0M+179.2%	$110.7M+147.3%	-$233.8M-143.0%	$543.5M+1218.7%	$41.2M+122.4%	-$183.9M-350.7%	$73.3M+133.0%	-$222.3M
Dividends Paid	$10.7M0.0%	$10.7M+0.5%	$10.7M+12.1%	$9.5M+0.4%	$9.5M+0.3%	$9.5M+1.8%	$9.3M-1.7%	$9.5M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0

DCOM Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	173.9%-410.7pp	584.6%-356.7pp	941.4%+291.3pp	650.1%-109.5pp	759.6%+136.2pp	623.4%
Return on Equity	2.1%-5.8pp	7.8%-5.2pp	13.0%+4.3pp	8.7%+2.7pp	6.0%-0.0pp	6.1%
Return on Assets	0.2%-0.5pp	0.7%-0.5pp	1.2%+0.3pp	0.9%+0.2pp	0.6%-0.1pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.28-0.8	10.12-0.2	10.28+1.2	9.12+0.4	8.67+1.3	7.41
FCF Margin	N/A	N/A	1798.3%	N/A	983.7%-139.2pp	1122.9%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	531.2%-108.5pp	639.8%+177.6pp	462.2%+980.0pp	-517.8%-983.1pp	465.2%+75.9pp	389.3%-39.4pp	428.7%+50.6pp	378.1%
Return on Equity	1.9%-0.2pp	2.1%+0.6pp	1.5%+0.5pp	1.1%-0.4pp	1.5%+0.1pp	1.4%+0.1pp	1.3%+0.1pp	1.2%
Return on Assets	0.2%-0.0pp	0.2%+0.1pp	0.1%+0.3pp	-0.1%-0.3pp	0.1%+0.0pp	0.1%+0.0pp	0.1%0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.01+0.1	8.93-0.1	8.98-0.3	9.28-0.6	9.83-0.1	9.89-0.2	10.12-0.2	10.34
FCF Margin	983.5%	N/A	N/A	-799.0%	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Dime Community Bancshares Inc's annual revenue?

Dime Community Bancshares Inc (DCOM) reported $16.7M in total revenue for fiscal year 2024. This represents a 1.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Dime Community Bancshares Inc's revenue growing?

Dime Community Bancshares Inc (DCOM) revenue grew by 1.8% year-over-year, from $16.4M to $16.7M in fiscal year 2024.

Is Dime Community Bancshares Inc profitable?

Yes, Dime Community Bancshares Inc (DCOM) reported a net income of $29.1M in fiscal year 2024, with a net profit margin of 173.9%.

What is Dime Community Bancshares Inc's earnings per share (EPS)?

Dime Community Bancshares Inc (DCOM) reported diluted earnings per share of $0.55 for fiscal year 2024. This represents a -76.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Dime Community Bancshares Inc's net profit margin?

Dime Community Bancshares Inc (DCOM) had a net profit margin of 173.9% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

What is Dime Community Bancshares Inc's return on equity (ROE)?

Dime Community Bancshares Inc (DCOM) has a return on equity of 2.1% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Dime Community Bancshares Inc's operating cash flow?

Dime Community Bancshares Inc (DCOM) generated $99.1M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Dime Community Bancshares Inc's total assets?

Dime Community Bancshares Inc (DCOM) had $14.4B in total assets as of fiscal year 2024, including both current and long-term assets.

How many shares does Dime Community Bancshares Inc have outstanding?

Dime Community Bancshares Inc (DCOM) had 44M shares outstanding as of fiscal year 2024.

What is Dime Community Bancshares Inc's debt-to-equity ratio?

Dime Community Bancshares Inc (DCOM) had a debt-to-equity ratio of 9.28 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Dime Community Bancshares Inc's return on assets (ROA)?

Dime Community Bancshares Inc (DCOM) had a return on assets of 0.2% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Dime Community Bancshares Inc's Piotroski F-Score?

Dime Community Bancshares Inc (DCOM) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Dime Community Bancshares Inc's earnings high quality?

Dime Community Bancshares Inc (DCOM) has an earnings quality ratio of 3.41x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.