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Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 (DCOMG) Financials

DCOMG
Trailing 12 months to March 31, 2026
Revenue $21.0M +24.8% YoY
Net Income $123.8M +276.7% YoY
EPS (Diluted) $2.36 FY2025 annual
Operating Cash Flow $169.1M +26.5% YoY
Source SEC Filings (10-K/10-Q) Latest period Q1 FY2026, ended Mar 31, 2026 Reported Currency USD FYE December

Newest figures come from the 10-Q for Q1 FY2026, filed May 1, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the DCOMG SEC filings page.

Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 (DCOMG) reported $21.0M in revenue over the twelve months to Mar 31, 2026, up 24.8% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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 DCOMG FY2025

The earnings rebound sits on a liability-funded balance sheet, while cash generation has outpaced reported profit.

In FY2025, operating cash flow of $186.6M exceeded net income of $110.7M, indicating that cash generation was shaped by more than reported earnings, likely including balance-sheet flows.

The bank’s FY2025 scale—assets of $15.3B against equity of $1.5B—means modest asset-performance changes can materially affect shareholder outcomes. At 9.4x debt-to-equity, the balance sheet is predominantly liability-funded, while 0.7% ROA shows the thin return produced by that large asset base.

FY2025 dividends of $42.9M were well below net income of $110.7M, leaving much of the year’s earnings available to reinforce capital. Total equity reached $1.5B while liabilities reached $13.9B, so expansion remained primarily funded through liabilities rather than retained capital alone.

[ NOT FINANCIAL ADVICE ]

Financial Health Signals

Financial health score not available

Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial
5/6

Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 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 Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 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
$5.7M
YoY+23.4%
QoQ+5.9%
5Y CAGR+14.4%
10Y CAGR-16.2%

Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 generated $5.7M in revenue in Q1 2026. This represents an increase of 23.4% from the same quarter a year earlier. Against the prior quarter it is up 5.9%.

Net Income
$34.6M
YoY+61.2%
QoQ+8.5%
10Y CAGR+14.9%

Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 reported $34.6M in net income in Q1 2026. This represents an increase of 61.2% from the same quarter a year earlier. Against the prior quarter it is up 8.5%.

EPS (Diluted)
$0.75
YoY+66.7%

Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 earned $0.75 per diluted share (EPS) in Q1 2026. This represents an increase of 66.7% from the same quarter a year earlier.

EBITDA

Not reported for Q1 2026.

Cash & Balance Sheet

Cash & Debt
$2.1B
YoY+99.8%
QoQ-12.5%
5Y CAGR+24.9%
10Y CAGR+40.8%

Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 held $2.1B in cash as of Q1 2026; long-term debt is not reported for that period.

Shares Outstanding
44M
YoY+0.7%
QoQ+0.5%
5Y CAGR+1.2%
10Y CAGR+9.7%

Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 had 44M shares outstanding in Q1 2026. This represents an increase of 0.7% from the same quarter a year earlier. Against the prior quarter it is up 0.5%.

Free Cash Flow

Not reported for Q1 2026.

Dividends Per Share

Not reported for Q1 2026.

Margins & Returns

Return on Equity
2.3%
YoY+0.8pp
QoQ+0.1pp
5Y change+4.1pp
10Y change-0.2pp

Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034's ROE was 2.3% in Q1 2026, measuring profit generated per dollar of shareholder equity. This is up 0.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q1 2026.

Operating Margin

Not reported for Q1 2026.

Net Margin

Not shown for Q1 2026: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.

Capital Allocation

None of these metrics is reported for Q1 2026.

DCOMG Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

DCOMG quarterly income statement
MetricQ1'2610-QQ4'2510-QQ3'2510-QQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-QQ2'2410-Q
Revenue$5.7M+23.4%$5.4M+37.3%$5.2M+22.1%$4.6M+16.9%$4.6M+2.2%$3.9M+3.6%$4.3M+7.7%$4.0M-18.2%
SG&A Expenses$39.6M+11.1%$40.8M+14.0%$38.3M+6.1%$36.2M+12.5%$35.7M+11.3%$35.8M+17.7%$36.1M+18.4%$32.2M+7.6%
Interest Expense$61.1M-9.6%$68.2M-8.3%$72.1M-14.4%$69.5M-17.2%$67.7M-24.4%$74.4M-12.1%$84.3M+3.6%$83.9M+16.8%
Income Tax$13.9M+92.3%$16.0M+380.7%$12.4M+153.7%$10.5M+38.7%$7.3M+10.1%$3.3M-63.2%$4.9M-39.5%$7.6M-24.8%
Net Income$34.6M+61.2%$31.9M+256.3%$27.7M+107.6%$29.7M+60.7%$21.5M+21.3%-$20.4M-225.0%$13.3M-11.1%$18.5M-32.8%
EPS (Basic)$0.75+66.7%N/A$0.59+103.4%$0.64+48.8%$0.45+9.8%N/A$0.29-14.7%$0.43-34.8%
EPS (Diluted)$0.75+66.7%N/A$0.59+103.4%$0.64+48.8%$0.45+9.8%N/A$0.29-14.7%$0.43-34.8%
Diluted Shares (Avg)43M+0.4%N/A43M+12.2%43M+12.3%43M+12.3%N/A38M+0.4%38M+0.4%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

DCOMG Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

DCOMG quarterly balance sheet
MetricQ1'2610-QQ4'2510-QQ3'2510-QQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-QQ2'2410-Q
Total Assets$15.0B+6.4%$15.3B+6.9%$14.5B+5.8%$14.2B+4.9%$14.1B+4.4%$14.4B+5.3%$13.7B+0.7%$13.5B-1.8%
Cash & Equivalents$2.1B+99.8%$2.4B+83.4%$1.7B+173.9%$1.2B+179.4%$1.0B+177.9%$1.3B+180.5%$626.1M+74.5%$414.0M-8.5%
Goodwill$155.8M0.0%$155.8M0.0%$155.8M0.0%$155.8M0.0%$155.8M0.0%$155.8M0.0%$155.8M0.0%$155.8M0.0%
Total Liabilities$13.5B+6.4%$13.9B+7.0%$13.1B+4.8%$12.8B+3.9%$12.7B+3.5%$13.0B+4.4%$12.5B+0.3%$12.3B-2.4%
Total Equity$1.5B+6.0%$1.5B+5.7%$1.5B+14.9%$1.4B+14.4%$1.4B+13.9%$1.4B+13.9%$1.3B+4.9%$1.3B+4.0%
Retained Earnings$876.1M+9.1%$854.2M+7.5%$835.1M+0.9%$820.2M-0.7%$803.2M-1.9%$794.5M-2.3%$827.7M+2.4%$826.1M+2.7%

Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

DCOMG Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

DCOMG quarterly cash flow statement
MetricQ1'2610-QQ4'2510-QQ3'2510-QQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-QQ2'2410-Q
Operating Cash Flow$48.0M-26.7%$46.0M-48.3%$52.1M+256.4%$23.1M+82.7%$65.4M+112.8%$89.0M+322.3%-$33.3M-138.6%$12.6M-59.5%
Depreciation & Amortization$1.0M-4.2%N/AN/AN/A$1.1M-31.1%N/AN/AN/A
Stock-Based Compensation$1.8M-2.4%N/AN/AN/A$1.9M+8.9%N/AN/AN/A
Capital ExpendituresN/AN/A$864K+11.1%N/AN/AN/A$778KN/A
Free Cash FlowN/AN/A$51.2M+250.3%N/AN/AN/A-$34.1MN/A
Investing Cash Flow$26.6M+131.4%-$174.4M-798.7%$197.2M+1291.2%-$7.7M+28.1%-$84.5M-227.3%$25.0M-61.8%-$16.6M-139.1%-$10.7M+91.8%
Financing Cash Flow-$368.9M-57.8%$767.3M+41.2%$309.0M+18.0%$110.7M+168.5%-$233.8M-27.1%$543.5M+641.0%$261.9M+217.8%$41.2M+137.2%
Dividends Paid$10.8M+0.7%$10.8M+12.8%$10.7M+12.7%$10.7M+13.1%$10.7M+12.9%$9.5M+2.6%$9.5M+0.7%$9.5M+0.2%

Not reported in any period shown, so not listed: Share Buybacks.

DCOMG Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

DCOMG quarterly financial ratios
MetricQ1'2610-QQ4'2510-QQ3'2510-QQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-QQ2'2410-Q
Net Margin603.5%588.8%531.2%639.8%462.2%-517.4%312.3%465.2%
Return on Equity2.3%+0.8pp2.2%+3.6pp1.9%+0.9pp2.1%+0.6pp1.5%+0.1pp-1.5%-2.8pp1.1%-0.2pp1.5%-0.8pp
Return on Assets0.2%+0.1pp0.2%+0.3pp0.2%+0.1pp0.2%+0.1pp0.1%0.0pp-0.1%-0.3pp0.1%0.0pp0.1%-0.1pp
Debt-to-Equity9.020.0x9.40+0.1x9.01-0.9x8.93-0.9x8.98-0.9x9.28-0.8x9.88-0.5x9.83-0.6x
Asset Turnover0.000.0x0.000.0x0.000.0x0.000.0x0.000.0x0.000.0x0.000.0x0.000.0x
FCF MarginN/AN/A983.5%N/AN/AN/A-799.0%N/A

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.

Frequently Asked Questions

What is Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034's annual revenue?

Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 (DCOMG) 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 Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034's revenue growing?

Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 (DCOMG) revenue grew by 19.0% year-over-year, from $16.7M to $19.9M in fiscal year 2025.

Is Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 profitable?

Yes, Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 (DCOMG) reported a net income of $110.7M in fiscal year 2025.

Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 (DCOMG) 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 Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 (DCOMG) has a return on equity of 7.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 (DCOMG) generated $186.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 (DCOMG) had $15.3B in total assets as of fiscal year 2025, including both current and long-term assets.

Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 (DCOMG) had 44M shares outstanding as of fiscal year 2025.

Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 (DCOMG) 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.

Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 (DCOMG) had a return on assets of 0.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 (DCOMG) 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.

Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 (DCOMG) 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.

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