At a glance
Dime Community Bancshares Inc is worth $1.83B, about 18 times its fiscal 2025 earnings. Revenue grew 44.2% to $452.9M in fiscal 2025, with 24.4% kept as profit; over 5 years it has grown 17.9% a year. It pays a 2.39% dividend yield, raised every year for at least 3 years, and returned $301.4M to shareholders in dividends and buybacks over FY2021–FY2025. The stock returned +58.8% over the past year with dividends reinvested and +7.7% a year over five years, against +11.5% and +11.7% for the S&P 500. At its worst it fell 39.1% in the 2020 crash (S&P 500: 33.7%) and 24.1% in the 2022 bear market (S&P 500: 24.5%), and was back at its earlier high 10 months and 29 months after the lows.
The business in plain English
Dime Commercial Bancshares, formerly Dime Community Bancshares, owns Dime Community Bank, a lender founded in 1910 and based in Hauppauge, New York. The bank collects deposits from small and medium-sized businesses, local governments and households, then lends that money out, mainly for commercial property, apartment buildings, homes and businesses. It also invests in bonds, including mortgage-backed securities and US Treasuries. As of December 31, 2025, it ran 63 branches across Greater Long Island, New York City's five boroughs, Westchester County and New Jersey.
Like most banks, Dime earns the bulk of its money from net interest income. That is the gap between the interest it collects on loans and bonds and the interest it pays on deposits and borrowings. In fiscal 2025, net interest income was $408.0 million of its $452.9 million in revenue. The remaining $44.9 million was noninterest income. That includes fees for cash management, card processing, title insurance brokerage through its Dime Abstract unit, and investment services.
Its business sits in one region, with Greater Long Island and New York City as its principal markets. As of December 31, 2025, business loans made up 30.1% of its loan book. Commercial property owned by investors rather than the businesses that occupy it made up another 27.3%. As of June 30, 2026, it held $10.6 billion of loans and $12.7 billion of deposits.
Price history
The interactive chart needs JavaScript.
DCOM +58.8% over the year to Oct 28, 2026, total return with dividends reinvested.
Latest results
- In Q3 FY2026 (ended Sep 30, 2026), revenue was $135.3M, up 17.1% from a year earlier, and net income was $41.6M (+50.2%).
- For fiscal 2025, revenue was $452.9M (+44.2% year over year; +17.9% a year from FY2020 to FY2025) with a 24.4% net margin.
Financial health check
| Revenue growth a year (FY2020–FY2025) | +17.9% good |
|---|---|
| Return on equity | 7.5% weak |
| Net income / revenue | 24.4% watch |
| Deposits | $13.14B |
| Loans | $10.81B |
| Fiscal year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2020 | $199.0M | $42.3M | — |
| FY2021 | $399.7M | $104.0M | — |
| FY2022 | $418.0M | $152.6M | — |
| FY2023 | $352.8M | $96.1M | — |
| FY2024 | $314.1M | $29.1M | — |
| FY2025 | $452.9M | $110.7M | — |
Valuation snapshot
| Market value | $1.83B |
|---|---|
| P/E ratio | 17.7 |
| Dividend yield | 2.39% |
Rank among 1514 US companies
Market value at each year end
Dime Community Bancshares’s market value went from $702.7M at the end of 2016 to $1.83B on Oct 28, 2026, about 2.6 times as much; since the end of 2025 it is up 39%.
Show as a table
| Year end | Market value | Change |
|---|---|---|
| Oct 28, 2026 | $1.83B | +38.6% |
| 2025 | $1.32B | +9.8% |
| 2024 | $1.20B | +15.1% |
| 2023 | $1.05B | -14.9% |
| 2022 | $1.23B | -13.7% |
| 2021 | $1.42B | +128.2% |
| 2020 | $623.2M | -24.8% |
| 2019 | $828.7M | +23.3% |
| 2018 | $672.1M | -18.6% |
| 2017 | $825.8M | +17.5% |
| 2016 | $702.7M |
Price behavior
| YTD | 1 yr | 3 yr | 5 yr | 10 yr | |
|---|---|---|---|---|---|
| DCOM price data to Oct 28, 2026 | +43.0% | +58.8% | +36.8% | +7.7% | +16.0% |
Show as a table
| Year | Price data |
|---|---|
| 2026 (to date) | +43.0% |
| 2025 | +1.4% |
| 2024 | +19.0% |
| 2023 | -11.5% |
| 2022 | -6.8% |
| 2021 | +129.8% |
| 2020 | -16.2% |
| 2019 | +32.6% |
| 2018 | -12.3% |
| 2017 | +12.0% |
| 2016 | +25.3% |
| 2015 | +17.5% |
| 2014 | +5.6% |
| 2013 | +31.9% |
| 2012 | +24.5% |
| 2011 | -5.3% |
| 2010 | +38.5% |
| 2009 | +1.4% |
| 2008 | +14.4% |
| 2007 | +1.8% |
| 2006 | +6.3% |
| 2008 financial crisis stocks fell Oct 9, 2007 – Mar 9, 2009 | Lost 46% over that stretch · deepest drop along the way 61.2%, back to its old high 19.1 months after the low |
|---|---|
| 2020 COVID crash stocks fell Feb 19, 2020 – Mar 23, 2020 | Lost 38.8% over that stretch · deepest drop along the way 39.1%, back to its old high 9.8 months after the low |
| 2022 bear market stocks fell Jan 3, 2022 – Oct 12, 2022 | Lost 12.6% over that stretch · deepest drop along the way 24.1%, back to its old high 28.8 months after the low |
Insider activity
Form 4 filings from 2025-11-03 to 2026-11-03 (25 read): 0 open-market purchases and 78 sales ($15.0M).
| Date | Insider | Type | Value |
|---|---|---|---|
| Oct 23, 2026 | Basswood Capital Management, L.L.C. Director | sell | $1.5M |
| Oct 23, 2026 | Basswood Capital Management, L.L.C. Director | sell | $1.3M |
| Jul 31, 2026 | Basswood Capital Management, L.L.C. Director | sell | $1.2M |
| Aug 3, 2026 | Basswood Capital Management, L.L.C. Director | sell | $614K |
| Jul 31, 2026 | Basswood Capital Management, L.L.C. Director | sell | $611K |
Who owns it
Large shareholders (13G filings)
| BlackRock, Inc. | 13.7% | Mar 31, 2025 |
| Wellington Management Group LLP | 7.7% | Jun 30, 2026 |
| T. Rowe Price Investment Management, Inc. | 7.2% | Jun 30, 2026 |
ETFs with the most weight in DCOM
| XSVM Invesco S&P SmallCap Value with Momentum ETF | 0.6% |
| DGRS WisdomTree US Smallcap Quality Dividend Growth Fund | 0.55% |
| SVAL iShares US Small Cap Value Factor ETF | 0.54% |
| HEJD VictoryShares Hedged Equity Income ETF | 0.32% |
| PSCF Invesco S&P SmallCap Financials ETF | 0.31% |
| KRE SPDR S&P Regional Banking ETF | 0.31% |
| VIOV Vanguard S&P Small-Cap 600 Value ETF | 0.19% |
| IJS iShares S&P Small-Cap 600 Value ETF | 0.18% |
What could go wrong
- Heavy reliance on New York-area real estate. Most loans are tied to commercial, apartment and home properties in Greater Long Island and Manhattan. With little geographic spread, a local recession, falling property values or emptier buildings could hit Dime directly.
- Rent limits squeeze apartment-building borrowers. Rent rules cap increases for regulated New York City apartments, including 3% on one-year leases starting October 2025 through September 2026. If rents lag rising costs or loan rates, apartment borrowers may struggle to repay.
- City Hall support for rent freezes. Dime's annual report notes that New York City Mayor Zohran Mamdani's administration has backed rent freezes and stronger tenant protections. If enacted, these could cut rental income and the property values behind Dime's loans.
- Business and commercial property loans carry more risk. As of December 31, 2025, business loans were 30.1% of all loans and investor-owned commercial real estate 27.3%. These larger loans rely on business income, and their collateral is harder to turn into cash.
- Deposits or funding could dry up. Dime relies mainly on deposits, $12.7 billion as of June 30, 2026, to fund loans. If depositors withdrew quickly or borrowing grew costly, it might pay more for funding or unload assets at a loss.
- New capital could be costly or dilutive. If growth or future losses require more capital, Dime may have to raise it when it is scarce or expensive. Issuing new shares would shrink existing owners' slice of the company, known as dilution.
Recent events
- Other company announcement
- Major agreement signed; Investor presentation or announcement
- Quarterly results released
- Other company announcement
- Other company announcement
- Quarterly results released
- Other company announcement
- Executive or board change; Bylaws or fiscal year changed; Shareholder vote results
- Other company announcement
- Other company announcement
For income and retirement investors
The dividend yield was 2.39% as of October 28, 2026. Dividends per share rose in each of fiscal 2023, 2024 and 2025, to about $1.00, but growth has been slow: about 0.8% a year from fiscal 2020 to 2025. Dividends took 38.8% of fiscal 2025 earnings, a moderate share. In fiscal 2024, though, the $0.98 per-share dividend exceeded earnings of $0.55 per share. Share buybacks totaled $107.0 million over fiscal 2021 to 2025, nearly all in the first two years. Even so, the share count rose 7.8% from July 2021 to July 2026.
The shares have fallen sharply in downturns. They dropped 61.2% from peak to low in the 2008 financial crisis and took about 19 months to recover. They fell 39.1% in the 2020 COVID crash and recovered in about 10 months. In the 2022 bear market they fell 24.1%, a drop that took about 29 months to make back. Like any single stock, Dime carries more risk than a diversified fund.
Questions investors ask
How does Dime Commercial Bancshares (DCOM) make money?
Mostly by lending. Its bank collects deposits from local businesses, municipalities and households and lends the money out, chiefly for commercial property, apartment buildings, homes and businesses. In fiscal 2025, net interest income was $408.0 million of its $452.9 million in revenue. Net interest income is the gap between the interest a bank earns and the interest it pays. Noninterest income, such as fees for cash management, card processing and title insurance brokerage, made up the remaining $44.9 million.
Is Dime Commercial Bancshares the same company as Dime Community Bancshares?
Yes. It is the same company under a newer name, and its earlier names include Dime Community Bancshares and Bridge Bancorp. It owns Dime Community Bank, founded in 1910 and based in Hauppauge, New York. Its shares trade on the NYSE under the ticker DCOM. The bank ran 63 branches across Greater Long Island, New York City, Westchester County and New Jersey as of December 31, 2025.
Does DCOM raise its dividend every year?
No, not every year, and the increases have been small. Dividends per share edged up in each of fiscal 2023, 2024 and 2025. Since fiscal 2020, though, they have stayed between about $0.95 and $1.01. Growth averaged about 0.8% a year from fiscal 2020 to 2025, ending at about $1.00. In fiscal 2024 the dividend was higher than earnings per share. The yield was 2.39% as of October 28, 2026, and dividends used 38.8% of fiscal 2025 earnings.
Why do New York rent rules matter for DCOM stock?
They affect the borrowers behind one of Dime's main loan types. Apartment-building (multi-family) loans are repaid from rent, and rent rules limit how much those buildings earn. A 2019 New York State law limited rent increases on regulated units. The city capped some increases at 3% for one-year leases and 4.5% for two-year leases starting October 2025 through September 2026. Dime's annual report also notes that New York City Mayor Zohran Mamdani's administration has backed rent freezes.
How has DCOM stock performed over the long term?
The share price rose 58.8% in the year to October 28, 2026, and 43% year to date. Longer-term results have been bumpier. Over five years it gained about 7.7% a year, and over ten years about 16% a year. The price fell 16.2% in 2020 and 11.5% in 2023, and it dropped 61.2% from peak to low in the 2008 crisis. On October 28, 2026, it traded at 17.7 times fiscal 2025 earnings, a measure called the price-to-earnings ratio.