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

Dime Cmnty Bancshares Inc (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 Cmnty Bancshares Inc Financials

DCOMG

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Dime Cmnty Bancshares Inc (DCOMG) 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 DCOMG FY2025 2026-04-22

Stable 9-10x balance-sheet leverage means even a modest ROA rebound sharply lifted equity returns for shareholders in FY2025.

The cash balance reached $2.35B in FY2025, but the bigger driver was financing inflow of $953M. With operating cash flow at $187M and liabilities up about $909M, the added liquidity appears to reflect new funding more than retained cash from operations.

Because debt-to-equity stayed near 9-10x while ROA improved from 0.2% to 0.7%, shareholders saw a much larger swing in return than the asset base did. That is the core mechanic of a leveraged balance sheet: a few tenths of ROA can materially change what equity holders earn, even without a big shift in leverage.

Profit recovered even as SG&A rose to $151M in FY2025 from $136M. At the same time, interest expense fell to $277M from $332M, pointing to funding-cost relief rather than broad cost cutting as the main rebound driver.

Financial Health Signals

Financial Profile 12/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Dime Cmnty 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.

Growth

Dime Cmnty Bancshares Inc's revenue surged 19.0% year-over-year to $19.9M, reflecting rapid business expansion. This strong growth earns a score of 50/100.

Leverage

Dime Cmnty Bancshares Inc has elevated debt relative to equity (D/E of 9.40), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Returns

Dime Cmnty Bancshares Inc generates a 7.5% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 24/100. This is up from 2.1% the prior year.

Piotroski F-Score Neutral

5/9

Dime Cmnty Bancshares Inc passes 5 of 9 financial strength tests. 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 Cmnty 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 Cmnty 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 Cmnty 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 Cmnty 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 Cmnty 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 Cmnty 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 Cmnty 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 Cmnty 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

DCOMG 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	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$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-12.6%	$4.5M
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	$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+0.5%	$32.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$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-6.2%	$89.5M
Income Tax	$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+14.7%	$6.6M
Net Income	$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+4.5%	$17.7M
EPS (Diluted)	N/A	$0.59-7.8%	$0.64+42.2%	$0.45	N/A	$0.29-32.6%	$0.43+4.9%	$0.41

DCOMG 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	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$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+0.4%	$13.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$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+11.6%	$370.9M
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	$13.9B+6.0%	$13.1B+2.4%	$12.8B+0.7%	$12.7B-2.1%	$13.0B+3.8%	$12.5B+1.5%	$12.3B+0.3%	$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+1.6%	$1.5B+1.5%	$1.4B+1.3%	$1.4B+1.1%	$1.4B+10.5%	$1.3B+1.1%	$1.3B+0.9%	$1.2B
Retained Earnings	$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+0.8%	$819.1M

DCOMG 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	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$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-58.9%	$30.7M
Capital Expenditures	N/A	$864K	N/A	N/A	N/A	$778K	N/A	N/A
Free Cash Flow	N/A	$51.2M	N/A	N/A	N/A	-$34.1M	N/A	N/A
Investing Cash Flow	-$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-116.1%	$66.4M
Financing Cash Flow	$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+122.4%	-$183.9M
Dividends Paid	$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+0.3%	$9.5M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

DCOMG 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	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
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	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%+75.9pp	389.3%
Return on Equity	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%+0.1pp	1.4%
Return on Assets	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%+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	9.40+0.4	9.01+0.1	8.93-0.1	8.98-0.3	9.28-0.6	9.88+0.0	9.83-0.1	9.89
FCF Margin	N/A	983.5%	N/A	N/A	N/A	-799.0%	N/A	N/A

Frequently Asked Questions

What is Dime Cmnty Bancshares Inc's annual revenue?

Dime Cmnty Bancshares Inc (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 Cmnty Bancshares Inc's revenue growing?

Dime Cmnty Bancshares Inc (DCOMG) revenue grew by 19% year-over-year, from $16.7M to $19.9M in fiscal year 2025.

Is Dime Cmnty Bancshares Inc profitable?

Yes, Dime Cmnty Bancshares Inc (DCOMG) reported a net income of $110.7M in fiscal year 2025, with a net profit margin of 556.1%.

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

Dime Cmnty Bancshares Inc (DCOMG) 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 Cmnty Bancshares Inc's return on equity (ROE)?

Dime Cmnty Bancshares Inc (DCOMG) 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 Cmnty Bancshares Inc's operating cash flow?

Dime Cmnty Bancshares Inc (DCOMG) generated $186.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Dime Cmnty Bancshares Inc's total assets?

Dime Cmnty Bancshares Inc (DCOMG) had $15.3B in total assets as of fiscal year 2025, including both current and long-term assets.

How many shares does Dime Cmnty Bancshares Inc have outstanding?

Dime Cmnty Bancshares Inc (DCOMG) had 44M shares outstanding as of fiscal year 2025.

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

Dime Cmnty Bancshares Inc (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.

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

Dime Cmnty Bancshares Inc (DCOMG) 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 Cmnty Bancshares Inc's Piotroski F-Score?

Dime Cmnty Bancshares Inc (DCOMG) has a Piotroski F-Score of 5 out of 9, indicating neutral 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Dime Cmnty Bancshares Inc's earnings high quality?

Dime Cmnty Bancshares Inc (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.

How financially healthy is Dime Cmnty Bancshares Inc?

Dime Cmnty Bancshares Inc (DCOMG) scores 12 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.