Dime Commercial Bancshares, Inc. /NY/
Dime Commercial Bancshares, Inc. operates as a commercial bank providing full-service commercial and consumer banking services, including accepting time, savings, and demand deposits from businesses, consumers, and local municipalities in its market area.
Business. Dime Commercial Bancshares, Inc. /NY/ (DCOM) is a commercial bank headquartered in New York that operates within the Banking Services industry group. The company generates revenue primarily through interest income, consistent with standard commercial banking activities. It is listed on the New York Stock Exchange under the ticker symbol DCOM. Specific details regarding operating segments or geographic breakdowns are not provided in the available data.
Analyst recommendations
5 analysts · consensus Buy- DividendDividend USD 0.3438/sh2026-08-14
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
At a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
0Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Company
- DividendDividend USD 0.3438/sh2026-08-14
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
Dime Commercial Bancshares, Inc. /NY/ (DCOM) is a commercial bank headquartered in New York that operates within the Banking Services industry group. The company generates revenue primarily through interest income, consistent with standard commercial banking activities. It is listed on the New York Stock Exchange under the ticker symbol DCOM. Specific details regarding operating segments or geographic breakdowns are not provided in the available data.
Dime Commercial Bancshares maintains a capital structure supported by total equity of $1.50 billion against total assets of $15.00 billion. The balance sheet shows total liabilities of $13.50 billion, resulting in a debt-to-equity ratio of 0.0 as computed in the valuation snapshot. Operating cash flow stands at $47.97 million for the latest period. Liquidity risk is assessed as unknown due to the absence of specific balance-sheet inputs for current ratio analysis in the provided data, though the company reports no going-concern language in source documents.
Profitability metrics indicate a return on equity of 7.39% and a return on assets of 0.74%. The company generated net income of $34.58 million on revenue of $5.73 million, suggesting significant non-interest income or accounting adjustments relative to reported revenue figures. The valuation snapshot reflects a price-to-earnings ratio of 15.28 and a price-to-book ratio of 1.26. Without cohort median data provided in the input, direct comparative analysis against sector peers is omitted, but the positive net income indicates operational profitability.
- Dime Commercial Bancshares reports a debt-to-equity ratio of 0.0 and total equity of $1.50 billion, indicating a conservative capital structure.
- Net income of $34.58 million contrasts with reported revenue of $5.73 million, highlighting the importance of non-interest income or specific accounting treatments in profitability.
- Dilution risk is assessed as medium, with explicit mentions of dilution or offering risk in source documents.
- The company faces significant interest rate risk, with net interest margins subject to material short-term fluctuations based on market rates.
- Analyst sentiment is positive, with a mean recommendation of 2.00 and a median price target of $46.00, above the current market price of $39.23.
- Recent 8-K filings indicate material events, though specific details are not fully disclosed in the observation summary.
Bull / Bear case
Generated · model-assistedAnalysts project 14.2% upside to a mean price target of $44.80, signaling strong institutional confidence in future performance.
The company trades at 1.26x tangible book value, offering a reasonable valuation entry point relative to its equity base.
Return on equity of 7.39% exceeds the bank cohort median of 6.1%, demonstrating superior capital efficiency.
Net margin of 5.56% ranks as best-in-class among 858 peers, highlighting exceptional profitability relative to revenue.
Total assets grew at a 2.6% CAGR over five years, indicating steady balance sheet expansion despite recent volatility.
Revenue declined 16.0% year-over-year in FY2025, signaling significant headwinds in core operating performance.
The five-year net income CAGR of -45.0% indicates a long-term structural decline in earnings generation.
Total assets contracted by 6.4% year-over-year in FY2025, suggesting a shrinking balance sheet and reduced lending capacity.
Medium dilution risk exists, potentially eroding shareholder value and reducing earnings per share over time.
In focus — financials by report
Revenue $5.7M; Net margin 603.5%.
- ▍Revenue $5.7M
- ▍Net margin 603.5%
Revenue $14.5M; Net margin 543.9%.
- ▍Revenue $14.5M
- ▍Net margin 543.9%
Revenue $9.3M; Net margin 550.9%.
- ▍Revenue $9.3M
- ▍Net margin 550.9%
Revenue $19.9M; Net margin 556.0%.
- ▍Revenue $19.9M
- ▍Net margin 556.0%
Revenue $16.7M; Net margin 173.9%.
- ▍Revenue $16.7M
- ▍Net margin 173.9%
Revenue $16.7M; Net margin 173.9%.
- ▍Revenue $16.7M
- ▍Net margin 173.9%
Revenue $16.4M; Net margin 584.6%.
- ▍Revenue $16.4M
- ▍Net margin 584.6%
Revenue $16.4M; Net margin 584.6%.
- ▍Revenue $16.4M
- ▍Net margin 584.6%
Valuation FY
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Source documents mention dilution or offering risk.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
Ask Handelsavisen
- Market data
- Regulatory filings
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Reference data
- Price To Tangible Bookmarket_price / (tangible_book_value / shares_outstanding_diluted)
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Return On Equitynet_income / total_equity
- Market Priceinput from market-data provider (delayed close or quote-shim mid)
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Market Capmarket_price * shares_outstanding_diluted
- Dime Commercial Bancshares, Inc. /NY/ company facts · 2026-07-24
- Dime Commercial Bancshares, Inc. /NY/ 10-Q 2026-05-01 · 2026-07-24
- Dime Commercial Bancshares, Inc. /NY/ 10-K 2026-02-20 · 2026-07-24
- Dime Commercial Bancshares, Inc. /NY/ 10-Q 2025-11-03 · 2026-07-24
- Dime Commercial Bancshares, Inc. /NY/ 10-Q 2025-08-05 · 2026-07-24
- 8-K (sec_8k_material) on DCOM · 2026-07-24
- Dime Commercial Bancshares Inc Market data — analyst estimates · 2026-07-24
- Dime Commercial Bancshares Inc Market data — ESG · 2026-07-24
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,05 %$0M
- Investment Managers · as of 2026-03-310,03 %$147M
- Investment Managers · as of 2026-03-310,02 %$80M
- Investment Managers · as of 2026-03-310,01 %$20M
- Investment Managers · as of 2026-03-310,00 %$20M
- Investment Managers · as of 2026-03-310,00 %$7M
- Brokerage Firms · as of 2026-03-310,00 %$10M
- Investment Managers · as of 2026-03-310,00 %$19M
- Investment Managers · as of 2024-06-300,00 %$117M
- Investment Managers · as of 2026-03-310,00 %$19M
- Investment Managers · as of 2026-03-310,00 %$64M
- Investment Managers · as of 2026-03-310,00 %$35M
- Institutional Investor · as of 2026-03-310,00 %$12M
- Investment Managers · as of 2026-03-310,00 %$15M
- Investment Managers · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2025-12-310,00 %$88M
- Funds · as of 2026-03-310,00 %$8M
- Investment Managers · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2024-12-310,00 %$3M
- Institutional Investor · as of 2026-03-310,00 %$4M
- Investment Managers · as of 2026-03-310,00 %$11M
- Investment Managers · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$1M
- Institutional Investor · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Brokerage Firms · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$0M
Leadership
- Stuart H. LubowPresident, Chief Executive Officer, Director
Insider activity
- Director, Director-by-Deputization · Common StockSold 14 907 @ $41,17$614K · 2026-08-03
- Director, Director-by-Deputization · Common StockSold 1 571 @ $41,17$65K · 2026-08-03
- Director, Director-by-Deputization · Common StockSold 178 @ $41,17$7K · 2026-08-03
- Director, Director-by-Deputization · Common StockSold 44 @ $41,17$2K · 2026-08-03
- Director, Director-by-Deputization · Common StockSold 3 987 @ $41,17$164K · 2026-08-03
- Director, Director-by-Deputization · Common StockSold 30 661 @ $40,76$1,2M · 2026-07-31
- Director, Director-by-Deputization · Common StockSold 5 931 @ $40,76$242K · 2026-07-31
- Director, Director-by-Deputization · Common StockSold 288 @ $40,76$12K · 2026-07-31
- Director, Director-by-Deputization · Common StockSold 14 990 @ $40,76$611K · 2026-07-31
- Director, Director-by-Deputization · Common StockSold 1 130 @ $40,76$46K · 2026-07-31
- Director, Director-by-Deputization · Common StockSold 3 115 @ $40,79$127K · 2026-07-30
- Director, Director-by-Deputization · Common StockSold 1 244 @ $40,79$51K · 2026-07-30
- Director, Director-by-Deputization · Common Stock, par value $0.01 per share ("Common Stock")Sold 6 187 @ $40,79$252K · 2026-07-30
- Director, Director-by-Deputization · Common StockSold 326 @ $40,79$13K · 2026-07-30
- Director, Director-by-Deputization · Common StockSold 57 @ $40,79$2K · 2026-07-30
- Director · Common StockOther 84 @ $40,65$3K · 2026-07-01
- Director · Common StockOther 439 @ $40,65$18K · 2026-07-01
- Director, Director-by-Deputization · Common StockSold 6 030 @ $39,02$235K · 2026-06-18
- Director, Director-by-Deputization · Common Stock, par value $0.01 per share ("Common Stock")Sold 663 @ $39,02$26K · 2026-06-18
- Director, Director-by-Deputization · Common StockSold 13 800 @ $39,02$538K · 2026-06-18
- Director, Director-by-Deputization · Common StockSold 255 @ $39,02$10K · 2026-06-18
- Director, Director-by-Deputization · Common StockSold 12 003 @ $39,02$468K · 2026-06-18
- Director, Director-by-Deputization · Common StockSold 123 @ $39,29$5K · 2026-06-16
- Director, Director-by-Deputization · Common StockSold 6 726 @ $39,29$264K · 2026-06-16
- Director, Director-by-Deputization · Common StockSold 4 142 @ $39,29$163K · 2026-06-16
Short positioning
Geographic breakdown
Intel & risk
Evidence & claims
From filings & derived data- Total assets (annual): USD 15.34BUnknown
- Net income (annual): USD 110.7MUnknown
- EPS (diluted) (annual): USD-PER-SHARES 2Unknown
- Pre-tax income (annual): USD 156.8MUnknown
- Shareholders' equity (annual): USD 1.48BUnknown
- Operating cash flow (annual): USD 186.57MUnknown
- Shares outstanding (annual): 43.86MUnknown
- Total liabilities (annual): USD 13.87BUnknown
- EPS (basic) (annual): USD-PER-SHARES 2Unknown
- Revenue (annual): USD 19.91MUnknown
- Shares outstanding (annual): 43.62MUnknown
- Pre-tax income (annual): USD 51.44MUnknown
- Operating cash flow (annual): USD 99.06MUnknown
- Shareholders' equity (annual): USD 1.4BUnknown
- Total liabilities (annual): USD 12.96BUnknown
- EPS (diluted) (annual): USD-PER-SHARES 1Unknown
- EPS (basic) (annual): USD-PER-SHARES 1Unknown
- Total assets (annual): USD 14.35BUnknown
- Revenue (annual): USD 16.73MUnknown
- Net income (annual): USD 29.1MUnknown