What is DIME COMMERCIAL BANCSHARES INC's earnings per share (EPS)?

DIME COMMERCIAL BANCSHARES INC (DCOM) reported diluted earnings per share of $2.36 for fiscal year 2025. This represents a 329.1% 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.

DIME COMMERCIAL BANCSHARES INC Financials

DCOM

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows DIME COMMERCIAL BANCSHARES INC (DCOM) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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).

Rhea AI DCOM FY2025 2026-04-22

Funding-cost swings and a deliberately larger liquidity buffer drove Dime Community Bancshares' recent earnings pattern more than balance-sheet growth.

FY2025 net income rebounded to $110.7M from $29.1M, but the balance sheet kept expanding, so the recovery was not caused by pulling back on assets. Operating cash flow rose to $186.6M as interest expense eased, pointing to improved funding economics rather than a sudden jump in per-asset profitability.

A larger liquidity cushion emerged quickly: cash climbed to $2.35B while financing cash flow was $953.3M, showing liquidity was reinforced with external funding rather than only retained earnings. Because debt-to-equity stayed near 9.4x, that cash build looks like a structural funding choice for a leveraged balance sheet, not a temporary pileup.

The franchise still grew, with assets at $15.3B and equity at $1.48B, so FY2024's earnings slump did not reflect a shrinking business. But return on assets was only 0.7% and return on equity 7.5% in FY2025, indicating the larger balance sheet earns only modestly unless funding costs cooperate.

Financial Health Signals

Financial Health Score 35/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of DIME COMMERCIAL BANCSHARES INC's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Stability

Piotroski F-Score Partial

5/6

DIME COMMERCIAL BANCSHARES INC passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.69x

For every $1 of reported earnings, DIME COMMERCIAL BANCSHARES INC generates $1.69 in operating cash flow ($186.6M OCF vs $110.7M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$19.9M

YoY+19.0%

5Y CAGR+29.0%

10Y CAGR-15.4%

DIME COMMERCIAL BANCSHARES INC generated $19.9M in revenue in fiscal year 2025. This represents an increase of 19.0% from the prior year.

EBITDA

N/A

Net Income

$110.7M

YoY+280.4%

5Y CAGR+21.2%

10Y CAGR+18.0%

DIME COMMERCIAL BANCSHARES INC reported $110.7M in net income in fiscal year 2025. This represents an increase of 280.4% from the prior year.

EPS (Diluted)

$2.36

YoY+329.1%

5Y CAGR+6.3%

10Y CAGR+5.1%

DIME COMMERCIAL BANCSHARES INC earned $2.36 per diluted share (EPS) in fiscal year 2025. This represents an increase of 329.1% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$2.4B

YoY+83.4%

5Y CAGR+21.8%

10Y CAGR+36.5%

DIME COMMERCIAL BANCSHARES INC held $2.4B in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

44M

YoY+0.6%

5Y CAGR+15.6%

10Y CAGR+9.7%

DIME COMMERCIAL BANCSHARES INC had 44M shares outstanding in fiscal year 2025. This represents an increase of 0.6% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

556.1%

YoY+382.1pp

5Y CAGR-203.5pp

10Y CAGR+536.2pp

DIME COMMERCIAL BANCSHARES INC's net profit margin was 556.1% in fiscal year 2025, showing the share of revenue converted to profit. This is up 382.1 percentage points from the prior year.

Return on Equity

7.5%

YoY+5.4pp

5Y CAGR+1.5pp

10Y CAGR+1.3pp

DIME COMMERCIAL BANCSHARES INC's ROE was 7.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 5.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

N/A

DCOM Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$19.9M+19.0%	$16.7M+1.8%	$16.4M+1.4%	$16.2M+1.3%	$16.0M+187.2%	$5.6M
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	$151.0M+10.9%	$136.1M+15.9%	$117.4M-2.2%	$120.1M+10.9%	$108.3M+78.3%	$60.8M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$277.4M-16.5%	$332.1M+13.4%	$292.8M+393.2%	$59.4M+119.7%	$27.0M-52.0%	$56.3M
Income Tax	$46.1M+106.3%	$22.4M-45.2%	$40.8M-31.3%	$59.4M+34.4%	$44.2M+248.7%	$12.7M
Net Income	$110.7M+280.4%	$29.1M-69.7%	$96.1M-37.0%	$152.6M+46.7%	$104.0M+145.8%	$42.3M
EPS (Diluted)	$2.36+329.1%	$0.55-76.0%	$2.29-38.6%	$3.73+52.2%	$2.45+40.8%	$1.74

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$5.7M+5.9%	$5.4M+3.9%	$5.2M+12.2%	$4.6M0.0%	$4.6M+17.8%	$3.9M-7.6%	$4.3M+7.4%	$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	$39.6M-2.9%	$40.8M+6.3%	$38.3M+5.9%	$36.2M+1.6%	$35.7M-0.3%	$35.8M-1.0%	$36.1M+12.3%	$32.2M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$61.1M-10.3%	$68.2M-5.5%	$72.1M+3.9%	$69.5M+2.7%	$67.7M-9.1%	$74.4M-11.8%	$84.3M+0.5%	$83.9M
Income Tax	$13.9M-12.7%	$16.0M+28.6%	$12.4M+18.6%	$10.5M+44.5%	$7.3M+118.3%	$3.3M-32.1%	$4.9M-35.2%	$7.6M
Net Income	$34.6M+8.5%	$31.9M+15.2%	$27.7M-6.8%	$29.7M+38.4%	$21.5M+205.2%	-$20.4M-253.1%	$13.3M-27.9%	$18.5M
EPS (Diluted)	$0.75	N/A	$0.59-7.8%	$0.64+42.2%	$0.45	N/A	$0.29-32.6%	$0.43

DCOM Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$15.3B+6.9%	$14.4B+5.3%	$13.6B+3.4%	$13.2B+9.3%	$12.1B+77.9%	$6.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$2.4B+83.4%	$1.3B+180.5%	$457.5M+170.3%	$169.3M-57.0%	$393.7M-55.1%	$876.8M
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%	$155.8M0.0%	$155.8M+180.0%	$55.6M
Total Liabilities	$13.9B+7.0%	$13.0B+4.4%	$12.4B+3.2%	$12.0B+10.5%	$10.9B+78.8%	$6.1B
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	$1.5B+5.7%	$1.4B+13.9%	$1.2B+4.8%	$1.2B-1.9%	$1.2B+70.1%	$701.1M
Retained Earnings	$854.2M+7.5%	$794.5M-2.3%	$813.0M+6.6%	$762.8M+16.5%	$654.7M+9.0%	$600.6M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$15.0B-2.2%	$15.3B+5.5%	$14.5B+2.3%	$14.2B+0.8%	$14.1B-1.8%	$14.4B+4.4%	$13.7B+1.5%	$13.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$2.1B-12.5%	$2.4B+37.3%	$1.7B+48.3%	$1.2B+12.2%	$1.0B-19.7%	$1.3B+105.0%	$626.1M+51.2%	$414.0M
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	$13.5B-2.6%	$13.9B+6.0%	$13.1B+2.4%	$12.8B+0.7%	$12.7B-2.1%	$13.0B+3.8%	$12.5B+1.5%	$12.3B
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+1.4%	$1.5B+1.6%	$1.5B+1.5%	$1.4B+1.3%	$1.4B+1.1%	$1.4B+10.5%	$1.3B+1.1%	$1.3B
Retained Earnings	$876.1M+2.6%	$854.2M+2.3%	$835.1M+1.8%	$820.2M+2.1%	$803.2M+1.1%	$794.5M-4.0%	$827.7M+0.2%	$826.1M

DCOM Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$186.6M+88.3%	$99.1M+9.0%	$90.9M-69.2%	$295.2M+101.7%	$146.3M+144.2%	$59.9M
Capital Expenditures	N/A	N/A	N/A	$3.7M	N/A	$5.1M
Free Cash Flow	N/A	N/A	N/A	$291.4M	N/A	$54.8M
Investing Cash Flow	-$69.4M-208.3%	$64.1M+130.0%	-$214.0M+83.9%	-$1.3B-220.8%	$1.1B+440.0%	-$324.4M
Financing Cash Flow	$953.3M+43.8%	$662.8M+61.1%	$411.4M-49.4%	$812.6M+173.9%	-$1.1B-411.7%	$352.6M
Dividends Paid	$42.9M+12.9%	$38.0M+2.0%	$37.3M+1.4%	$36.8M-6.5%	$39.4M+110.3%	$18.7M
Share Buybacks	N/A	N/A	$947K-98.0%	$46.8M-21.1%	$59.3M+67.7%	$35.4M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$48.0M+4.3%	$46.0M-11.7%	$52.1M+125.9%	$23.1M-64.7%	$65.4M-26.5%	$89.0M+367.2%	-$33.3M-364.0%	$12.6M
Capital Expenditures	N/A	N/A	$864K	N/A	N/A	N/A	$778K	N/A
Free Cash Flow	N/A	N/A	$51.2M	N/A	N/A	N/A	-$34.1M	N/A
Investing Cash Flow	$26.6M+115.2%	-$174.4M-188.4%	$197.2M+2662.0%	-$7.7M+90.9%	-$84.5M-438.7%	$25.0M+250.8%	-$16.6M-54.6%	-$10.7M
Financing Cash Flow	-$368.9M-148.1%	$767.3M+148.3%	$309.0M+179.2%	$110.7M+147.3%	-$233.8M-143.0%	$543.5M+107.5%	$261.9M+535.5%	$41.2M
Dividends Paid	$10.8M+0.1%	$10.8M+0.2%	$10.7M0.0%	$10.7M+0.5%	$10.7M+12.1%	$9.5M+0.1%	$9.5M+0.3%	$9.5M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

DCOM Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
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	556.1%+382.1pp	174.0%-410.7pp	584.7%-357.0pp	941.6%+291.5pp	650.1%-109.5pp	759.6%
Return on Equity	7.5%+5.4pp	2.1%-5.8pp	7.8%-5.2pp	13.1%+4.3pp	8.7%+2.7pp	6.0%
Return on Assets	0.7%+0.5pp	0.2%-0.5pp	0.7%-0.5pp	1.2%+0.3pp	0.9%+0.2pp	0.6%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.40+0.1	9.28-0.8	10.12-0.2	10.28+1.2	9.12+0.4	8.67
FCF Margin	N/A	N/A	N/A	1798.3%	N/A	983.7%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	603.5%+14.7pp	588.8%+57.6pp	531.2%-108.5pp	639.8%+177.6pp	462.2%+979.6pp	-517.4%-829.8pp	312.3%-152.9pp	465.2%
Return on Equity	2.3%+0.1pp	2.2%+0.3pp	1.9%-0.2pp	2.1%+0.6pp	1.5%+3.0pp	-1.5%-2.5pp	1.1%-0.4pp	1.5%
Return on Assets	0.2%+0.0pp	0.2%+0.0pp	0.2%-0.0pp	0.2%+0.1pp	0.1%+0.3pp	-0.1%-0.2pp	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	9.02-0.4	9.40+0.4	9.01+0.1	8.93-0.1	8.98-0.3	9.28-0.6	9.88+0.0	9.83
FCF Margin	N/A	N/A	983.5%	N/A	N/A	N/A	-799.0%	N/A

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Frequently Asked Questions

What is DIME COMMERCIAL BANCSHARES INC's annual revenue?

DIME COMMERCIAL BANCSHARES INC (DCOM) reported $19.9M in total revenue for fiscal year 2025. This represents a 19.0% 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 COMMERCIAL BANCSHARES INC's revenue growing?

DIME COMMERCIAL BANCSHARES INC (DCOM) revenue grew by 19% year-over-year, from $16.7M to $19.9M in fiscal year 2025.

Is DIME COMMERCIAL BANCSHARES INC profitable?

Yes, DIME COMMERCIAL BANCSHARES INC (DCOM) reported a net income of $110.7M in fiscal year 2025, with a net profit margin of 556.1%.

What is DIME COMMERCIAL BANCSHARES INC's net profit margin?

DIME COMMERCIAL BANCSHARES INC (DCOM) had a net profit margin of 556.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is DIME COMMERCIAL BANCSHARES INC's return on equity (ROE)?

DIME COMMERCIAL BANCSHARES INC (DCOM) has a return on equity of 7.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is DIME COMMERCIAL BANCSHARES INC's operating cash flow?

DIME COMMERCIAL BANCSHARES INC (DCOM) generated $186.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are DIME COMMERCIAL BANCSHARES INC's total assets?

DIME COMMERCIAL BANCSHARES INC (DCOM) had $15.3B in total assets as of fiscal year 2025, including both current and long-term assets.

How many shares does DIME COMMERCIAL BANCSHARES INC have outstanding?

DIME COMMERCIAL BANCSHARES INC (DCOM) had 44M shares outstanding as of fiscal year 2025.

What is DIME COMMERCIAL BANCSHARES INC's debt-to-equity ratio?

DIME COMMERCIAL BANCSHARES INC (DCOM) had a debt-to-equity ratio of 9.40 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is DIME COMMERCIAL BANCSHARES INC's return on assets (ROA)?

DIME COMMERCIAL BANCSHARES INC (DCOM) had a return on assets of 0.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is DIME COMMERCIAL BANCSHARES INC's Piotroski F-Score?

DIME COMMERCIAL BANCSHARES INC (DCOM) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are DIME COMMERCIAL BANCSHARES INC's earnings high quality?

DIME COMMERCIAL BANCSHARES INC (DCOM) has an earnings quality ratio of 1.69x, 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.

How financially healthy is DIME COMMERCIAL BANCSHARES INC?

DIME COMMERCIAL BANCSHARES INC (DCOM) scores 35 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.