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Dime Commercial Bancshares, Inc. (DCOM) stock

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NYSE: DCOM NYSE Regional Banks Next results ~January 20, 2027

C Fundamentals grade

Dime Commercial Bancshares, Inc. is a US-listed company in the regional banks industry. Its financial year ends in December.

Stock price today

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Third-party market data · may be delayed

Fair value per share

~$34

Valuation models combined (6)

Base case. Range ~$26–$43. Weighted average of 6 models (residual income, justified price-to-book, price-to-book vs return on equity (peers), price-to-book vs peers, forward price-to-earnings vs peers, dividend discount (two-stage)), the residual income counting double.

Price vs value

Overvalued

The price is above our entire value range; our base value is 20% below it.

Price used: $42.68, November 2, 2026

Dime Commercial Bancshares, Inc. valuation: adjust assumptions and compare models →

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Insiders1 buying, 7 selling1 purchase and 87 sales by directors and officers, last 12 monthsInsider trades
  • Funds98 adding, 92 cuttingOf 41 active managers that changed their stake, 23 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter Dime Commercial Bancshares files

10-Q filed October 30: Dime Commercial Bancshares

Rating: Sell to Hold Model value +5.1%

Revenue for the twelve months to September 2026 was $509m, up 31.8% on a year earlier, slower than the 36.6% growth a quarter earlier. That growth ranks 33 of 240 among the regional banks companies we cover. Its fundamentals grade moves from D to C. Our model value rises from $35.38 to $37.20 a share, against a share price of $41.76. The rating changes from Sell to Hold.

Source: 10-Q filed October 30, 2026 on SEC EDGAR · Financials · Valuation

Earlier notes (1)

Where Dime Commercial Bancshares stands after its latest 10-Q

Revenue for the twelve months to June 2026 was $489m, up 36.6% on a year earlier, slower than the 40.7% growth a quarter earlier. That growth ranks 20 of 190 among the regional banks companies we cover. The diluted share count is up 4.4% on a year earlier, which dilutes existing holders. Our cash-flow model value is $35.38 a share, against a share price of $42.40.

10-Q on SEC EDGAR

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~January 20, 2027 (estimated)

Dime Commercial Bancshares, Inc.'s trailing-twelve-month revenue grew 31.8% year on year, with a free-cash-flow margin of 49.3%. Where it stands out: revenue growth of 31.8% ranks 33 of 245 regional banks companies we cover. Where it lags: change in growth rate of -4.8pp ranks 203 of 244 regional banks companies we cover.

Current signal Free cash flow diverging from earnings: TTM free cash flow grew 12.3% while net income grew 144.5%: a 132pp divergence.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Fast growth. Revenue grew 31.8% over the last 12 months, against a median of 12.5% for regional banks companies we cover.
  • Strong cash generation. 49.3% of revenue turned into free cash flow.
  • Net cash. Cash exceeds long-term debt by $2.2bn.

Things to watch

  • Priced above our value. The share price of $42.68 is 20% above our value per share of $34.
  • Growth easing. The growth rate is 4.8 points lower than a quarter earlier.
  • Below peers: change in growth rate. Change in growth rate of -4.8pp ranks 203 of 244 regional banks companies we cover (median +0.0pp).
  • Heavily shorted. 12.2% of the shares available to trade are sold short (11.4 days of average volume to cover).
  • Missing expectations. Earnings per share fell short of the consensus estimate in 2 of the last four quarters.

Latest results: FY2026 Q3

Filed October 30, 2026
Earnings per share
$0.91 against an average estimate of $0.86: beat by 5.3%
Revenue
$135m, up 17.1% on a year earlier
Share reaction
+5.2% in the first session after the results on October 20, 2026, against +0.9% for the S&P 500
Next report
January 20, 2027; average EPS estimate $0.94

Dime Commercial Bancshares' figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+2.2%
  • 1 week-0.6%
  • 1 month+7.7%
  • This year+45.8%
  • 1 year+67.1%
  • 5 years+34.3%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

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Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$509M
Net margin
28.0%
EPS (TTM, diluted)
$3.31

Growth

Revenue growth
+31.8%
Change in growth rate
−4.8 pts
Share count change
+1.6%

Earnings

Last results
October 20, 2026
Next results (est.)
January 20, 2027

News & updates

Updated November 3, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Insider trade
  2. Announcement
  3. Agreement
  4. Results
  5. Announcement
  6. Announcement
  7. Results

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

Dime Commercial Bancshares, Inc. valuation models and calculator

Fundamentalytics rating

model v1.6 · 2026-11-03
Sell12-month view
12-month price target
~$34
Price used
$41.91close November 3, 2026
Implied change
▼ 19%
Uncertainty
Low

How we got here: the combined value of 6 valuation models built for a business like Dime Commercial Bancshares, Inc. (see the models table below and how they are combined) , with a 8.49% cost of equity. The models span ~$26–~$43; that spread sets a 15% margin before we rate Buy or Sell.

Produced by Fundamentalytics' automated valuation model on November 3, 2026, using delayed market prices. Rating meanings, methodology and conflicts: recommendations disclosure and research disclaimer. General research, not personal advice — it does not consider your circumstances. Prices can fall as well as rise.

Valuation models

We value Dime Commercial Bancshares, Inc. as a bank or lender, with every model that fits that kind of business. Cost of equity 8.5%: the 10-year Treasury yield (4.9%) plus a beta of 0.79 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$32 ~$23–$47 Primary model, counts double
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. ~$33 ~$28–$40 Included
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$40 ~$23–$58 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$26 ~$33–$50 Included
Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. ~$43 ~$40–$51 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. ~$33 ~$27–$41 Included
Combined value Weighted average of the models that apply: the primary model (residual income) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. ~$34 ~$26–$43 6 models

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Dime Commercial Bancshares, Inc. with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

52 /100

Moderate moat

How hard Dime Commercial Bancshares's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 9 / 20

    Net income has been a median 0.8% of total assets over 10 years.

  • Durability 15 / 20

    Net margin has been a median 26.4%; its worst year was 12.5%.

  • Discipline 10 / 20

    The diluted share count rose 26.4% over five years; stock-based pay has been a median 1.8% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (57 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Next results: January 20, 2027, before the open. Analysts expect revenue of $140m and EPS of $0.94 (range $0.91 to $0.98) for the quarter.

Analysts' consensus

Fiscal yearEPSGrowthRevenueGrowth
Current $3.39 +31% $526m +16%
Next $4.38 +29% $601m +14%

Next year's EPS estimate has moved +2.3% in 90 days, across 5 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is +2.2% on 90 days ago. In the last 30 days, 0 analysts raised Dime Commercial Bancshares, Inc.'s forecast and 1 cut it.

Consensus EPS forecast Dime Commercial Bancshares, Inc., last 90 days
$3.00 $3.50 $4.00 $4.50 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $3.32 Current fiscal year, 60 days ago: $3.35 Current fiscal year, 30 days ago: $3.35 Current fiscal year, 7 days ago: $3.34 Current fiscal year, Now: $3.39 $3.39 Next fiscal year, 90 days ago: $4.29 Next fiscal year, 60 days ago: $4.34 Next fiscal year, 30 days ago: $4.34 Next fiscal year, 7 days ago: $4.31 Next fiscal year, Now: $4.38 $4.38

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $3.32$4.29
60 days ago $3.35$4.34
30 days ago $3.35$4.34
7 days ago $3.34$4.31
Now $3.39$4.38

Earnings against estimates

Quarter toEstimateActualSurprise
Sept 2026 $0.86 $0.91 +5.3%
Jun 2026 $0.79 $0.79 −0.2%
Mar 2026 $0.77 $0.74 −3.6%
Dec 2025 $0.71 $0.79 +10.6%

Adjusted EPS as companies report it, against the average analyst estimate.

Management guidance

Earnings release, October 20, 2026

No numeric guidance in Dime Commercial Bancshares, Inc.'s latest earnings release (filed October 20, 2026). Some companies give their outlook only on the earnings call.

Analyst recommendations

5 analysts, Oct 2026
Buy480%
Hold120%
Sell00%

Monthly trend

  1. Oct 20262215
  2. Sep 20262215
  3. Aug 20262215
  4. Jul 20262215

Counts of recommendations published by analysts covering Dime Commercial Bancshares, Inc., by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
12.2%
of tradable shares
Days to cover
11.4
at average volume
Short interest, 1 month
+6%
to October 15, 2026
Held by institutions
92%
of shares
Held by insiders
3.6%
of shares
Employees
902
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

What moved the share price

Last 12 months +67.1%

$25.54 on October 31, 2025 to $42.68

ThenNowEffect
Revenue (last 12 months) $358m $489m +36.6%
Net margin 12.3% 26.3% +114.2%
P/E multiple 23.9x 14.3x −40.3%
Share count 41m 43m −4.2%

Biggest factor: net margin.

Last 3 years +127.2%

$18.79 on November 3, 2023 to $42.68

ThenNowEffect
Revenue (last 12 months) $401m $489m +21.9%
Net margin 36.0% 26.3% −26.7%
P/E multiple 5.0x 14.3x +187.4%
Share count 38m 43m −11.5%

Biggest factor: p/e multiple.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

Calendar year 202120222023202420252026 to date
Return
DCOM+50%−7%−12%+19%+1%+46%
Industry peers (median)+34%−4%−2%+16%+10%+24%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
DCOM58%42%42%67%50%73%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
DCOM−16%−24%−53%−35%−29%−13%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since November 2, 2015: 57% from January 14, 2022 to May 16, 2023. Getting back needed a 135% gain, reached on November 6, 2024, 540 days after the low.

Price behaviour

52-week range
$25.08 – $42.93
From 52-week high
−0.6%
vs 50-day average
+6.3%
vs 200-day average
+14.8%
Volatility (1 year)
26%
Beta vs S&P 500
0.62

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
7 up, 5 down
typical move ±3.2%
After a week
7 up, 5 down
typical move ±6.3%
After a month
7 up, 4 down
typical move ±8.2%
Results releasedNext dayS&P 500 next day5 days21 days
October 20, 2026 +5.2% +0.9% +9.9% —
July 23, 2026 +0.3% −1.1% +3.4% +2.5%
April 23, 2026 −1.5% +0.4% +0.2% +3.0%
January 21, 2026 +12.5% +1.7% +10.3% +13.8%
October 23, 2025 −6.1% +1.4% −11.2% −8.2%
July 24, 2025 −0.7% +0.5% −2.9% +5.5%
April 22, 2025 +2.7% +4.2% +3.8% +2.0%
January 23, 2025 −3.0% +0.3% −2.9% −4.1%
October 22, 2024 +3.2% −1.0% +5.6% +18.8%
July 23, 2024 +0.4% −2.4% +5.9% −2.5%
April 23, 2024 +1.7% +1.1% −4.6% +2.8%
January 26, 2024 −1.3% +0.7% −14.6% −26.6%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Options strategies

All options ideas

How Dime Commercial Bancshares, Inc.’s listed options are priced, and three ways to use them that follow from our valuation. Quotes are delayed, read November 2, 2026. Check the live chain at your broker before trading.

Cash-secured put

Not offered: rated Sell.

We suggest selling a put only on well-rated companies, at a strike where the price you would pay if assigned (strike less premium) is at or below our fair value.

Covered call

Not offered: no liquid call at or above our price target — the model says the upside is worth more than any listed strike.

For holders: sell a call at a strike at or above our fair value, so the shares are only sold at a price the model calls full value.

Collar

Not offered: no liquid put and call pair for the same expiry.

For holders of a stock trading at or above our fair value: buy a put for a floor and sell a call to pay for it.

General research, not personal advice. Options can lose you more than you expect and are not suitable for everyone: put sellers can be made to buy shares that keep falling, call sellers give up gains above the strike, and results or news can move prices sharply. Chances shown are approximations from each option’s delta. Spreads, fees and early assignment are not modelled.

Dime Commercial Bancshares, Inc. in five measures

Fundamentals grade C
Growth Profitability Cash Balance sheet Value

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) Dime Commercial Bancshares, Inc.
$300M $350M $400M $450M $500M $550M FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 Revenue (TTM), FY23 Q4: $352.8M Revenue (TTM), FY24 Q1: $340M Revenue (TTM), FY24 Q2: $336.7M Revenue (TTM), FY24 Q3: $339.9M Revenue (TTM), FY24 Q4: $314.1M Revenue (TTM), FY25 Q1: $335.9M Revenue (TTM), FY25 Q2: $358.3M Revenue (TTM), FY25 Q3: $386.4M Revenue (TTM), FY25 Q4: $452.9M Revenue (TTM), FY26 Q1: $472.7M Revenue (TTM), FY26 Q2: $489.4M Revenue (TTM), FY26 Q3: $509.2M $509.2M

Source: SEC EDGAR filings. Retrieved October 30, 2026.

View chart data
Period Revenue (TTM)
FY23 Q4 $352.8M
FY24 Q1 $340M
FY24 Q2 $336.7M
FY24 Q3 $339.9M
FY24 Q4 $314.1M
FY25 Q1 $335.9M
FY25 Q2 $358.3M
FY25 Q3 $386.4M
FY25 Q4 $452.9M
FY26 Q1 $472.7M
FY26 Q2 $489.4M
FY26 Q3 $509.2M
Revenue growth, TTM YoY Dime Commercial Bancshares, Inc.
-20% 0% 20% 40% 60% FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 Revenue growth, TTM YoY, FY23 Q4: -15.6% Revenue growth, TTM YoY, FY24 Q1: -18.4% Revenue growth, TTM YoY, FY24 Q2: -16.1% Revenue growth, TTM YoY, FY24 Q3: -9.6% Revenue growth, TTM YoY, FY24 Q4: -11.0% Revenue growth, TTM YoY, FY25 Q1: -1.2% Revenue growth, TTM YoY, FY25 Q2: 6.4% Revenue growth, TTM YoY, FY25 Q3: 13.7% Revenue growth, TTM YoY, FY25 Q4: 44.2% Revenue growth, TTM YoY, FY26 Q1: 40.7% Revenue growth, TTM YoY, FY26 Q2: 36.6% Revenue growth, TTM YoY, FY26 Q3: 31.8% 31.8%

Source: SEC EDGAR filings. Retrieved October 30, 2026.

View chart data
Period Revenue growth, TTM YoY
FY23 Q4 -15.6%
FY24 Q1 -18.4%
FY24 Q2 -16.1%
FY24 Q3 -9.6%
FY24 Q4 -11.0%
FY25 Q1 -1.2%
FY25 Q2 6.4%
FY25 Q3 13.7%
FY25 Q4 44.2%
FY26 Q1 40.7%
FY26 Q2 36.6%
FY26 Q3 31.8%
FCF margin (TTM) Dime Commercial Bancshares, Inc.
-20% 0% 20% 40% 60% FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 FCF margin (TTM), FY23 Q4: 23.9% FCF margin (TTM), FY24 Q1: 29.9% FCF margin (TTM), FY24 Q2: 24.7% FCF margin (TTM), FY24 Q3: -10.8% FCF margin (TTM), FY24 Q4: 29.3% FCF margin (TTM), FY25 Q1: 37.9% FCF margin (TTM), FY25 Q2: 38.5% FCF margin (TTM), FY25 Q3: 57.8% FCF margin (TTM), FY25 Q4: 39.6% FCF margin (TTM), FY26 Q1: 34.2% FCF margin (TTM), FY26 Q2: 39.8% FCF margin (TTM), FY26 Q3: 49.3% 49.3%

Source: SEC EDGAR filings. Retrieved October 30, 2026.

View chart data
Period FCF margin (TTM)
FY23 Q4 23.9%
FY24 Q1 29.9%
FY24 Q2 24.7%
FY24 Q3 -10.8%
FY24 Q4 29.3%
FY25 Q1 37.9%
FY25 Q2 38.5%
FY25 Q3 57.8%
FY25 Q4 39.6%
FY26 Q1 34.2%
FY26 Q2 39.8%
FY26 Q3 49.3%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-Q. Generated November 3, 2026. Definitions in our methodology.

Where the money goes

FY2025, from the 10-K

What Dime Commercial Bancshares earned on its loans and securities in FY2025, what it paid depositors and lenders, and how its revenue split between running costs, credit losses, tax and profit.

  1. Interest income $685M
  2. Fee and other income $44.9M · 9.9%
  3. Interest paid $277M
  4. Net interest income $408M · 90.1%
  5. Revenue $453M
  6. Non-interest expense $253M · 55.9%
  7. Credit-loss provisions $43M · 9.5%
  8. Pre-tax profit $157M · 34.6%
  9. Income tax $46.1M · 10.2%
  10. Net income $111M · 24.4%

Shares of revenue. Source: Dime Commercial Bancshares's 10-K for FY2025, as filed with the SEC.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2009 Dec 2009 2010 Dec 2010 2011 Dec 2011 2012 Dec 2012 2013 Dec 2013 2014 Dec 2014 2015 Dec 2015 2016 Dec 2016 2017 Dec 2017 2018 Dec 2018 2019 Dec 2019 2020 Dec 2020 2021 Dec 2021 2022 Dec 2022 2023 Dec 2023 2024 Dec 2024 2025 Dec 2025 LTM Sept 2026
Income
Revenue 42 45 50 58 60 76 109 137 145 148 160 199 400 418 353 314 453 509
Net income 9 9 10 13 13 14 21 35 21 39 36 42 104 153 96 29 111 143
Diluted EPS $1.41 $1.45 $1.54 $1.48 $1.36 $1.18 $1.43 $2.00 $1.04 $1.97 $1.55 $1.74 $2.45 $3.73 $2.29 $0.55 $2.36 $3.31
Growth (year on year)
Revenue — +6.9% +11.6% +15.8% +4.2% +25.9% +43.9% +25.9% +6.1% +2.1% +7.6% +24.7% +100.9% +4.6% −15.6% −11.0% +44.2% +31.8%
Net income — +4.6% +13.0% +23.3% +2.5% +5.1% +53.4% +68.1% −42.1% +91.0% −7.8% +16.9% +145.7% +46.7% −37.0% −69.7% +280.6% +144.5%
Diluted EPS — +2.8% +6.2% −3.9% −8.1% −13.2% +21.2% +39.9% −48.0% +89.4% −21.3% +12.3% +40.8% +52.2% −38.6% −76.0% +329.1% +140.6%
Margins
Net margin 21.0% 20.6% 20.8% 22.2% 21.8% 18.2% 19.4% 25.9% 14.1% 26.4% 22.7% 21.3% 26.0% 36.5% 27.2% 9.3% 24.4% 28.0%
Free-cash-flow margin 12.2% 25.6% 33.5% 32.5% 35.0% 27.2% 25.0% 29.2% 30.8% 35.8% 40.8% 27.5% — 69.7% 25.8% 31.5% 41.2% 50.7%
Cash flow
Cash from operations 9 15 19 22 25 26 32 44 47 58 68 60 146 295 91 99 187 258
Capital spending 4 4 2 4 4 5 4 4 2 5 3 5 — 4 0 0 0 0
Free cash flow 5 11 17 19 21 21 27 40 45 53 65 55 — 291 91 99 187 258
Stock-based pay 1 1 1 1 1 1 2 2 3 3 2 7 5 4 5 7 8 9
Free cash flow after stock pay 4 11 16 17 20 19 26 38 42 50 63 48 — 287 86 92 179 249
Balance sheet
Cash 34 23 80 51 46 52 105 114 95 295 117 877 394 169 458 1,284 2,354 2,185
Total debt 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net debt (negative = net cash) −34 −23 −80 −51 −46 −52 −105 −114 −95 −295 −117 −877 −394 −169 −458 −1,284 −2,354 −2,185
Diluted shares — 6m 7m 8m 9m 11m 14m 18m 19m 19m 23m 22m 39m 39m 38m 39m 43m 43m
Returned to shareholders
Dividends 6 6 6 10 7 11 13 16 18 18 20 19 39 37 37 38 43 43
Buybacks — — — — — — — — — — 24 35 59 47 1 — — —
Total returned 6 6 6 10 7 11 13 16 18 18 44 54 99 84 38 38 43 43

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Dividends, buybacks and capital spending

Dividends (TTM)
$43.1M
Diluted share count
+1.6%
year over year
Total shareholder yield
2.3%
dividends 2.3% + buybacks 0.0% of market value
Dividend payout ratio
30%
of net income paid out

Competitors: side by side with peers

Closest by revenue in regional banks
Last 12 months unless stated DCOM FSUN GABC FCF TFIN PEBO Median
Revenue, last 12 months $509m $512m $503m $547m $472m $469m $255m
Revenue growth, last 12 months 31.8% 28.3% 21.7% 11.5% 11.7% 3.3% 12.5%
Revenue growth, 3-year average 10.6% 10.8% 24.8% 5.9% 3.5% 5.1% 6.0%
Revenue growth, latest quarter 17.1% 74.4% 3.1% 6.5% 15.0% 3.7% 10.7%
Net margin 28.0% 9.1% 28.2% 30.8% 10.7% 25.9% 28.7%
Cash from operations / revenue 50.7% 227.1% 37.7% 35.1% 24.0% 37.3% 34.3%
Free-cash-flow margin 49.3% 226.1% 36.3% 33.7% 21.4% 36.5% 31.4%
Free-cash-flow margin, 3-year average 32.1% 91.9% 33.6% 29.7% 14.9% 31.2% 29.9%
Stock pay / revenue 1.7% 1.1% 0.3% — 3.1% 1.5% 1.2%
Change in share count 1.6% 16.2% 14.1% 0.5% 1.6% 0.6% 0.4%

Median of all 245 companies we cover in regional banks. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

245 regional banks companies
Measure Company Peer median Rank
Revenue growth Growth 31.8% 12.5% 33 of 245
Change in growth rate Growth -4.8pp +0.0pp 203 of 244
Net margin Profitability 28.0% 28.7% 133 of 245
Stock pay as % of revenue Cash generation 1.7% 1.3% 145 of 206
Change in share count Balance sheet 1.6% 0.4% 153 of 230

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Who owns it

Funds buying and selling
Reported value
$1.6B
Institutions reporting
214
Shares held vs prior quarter
▲ 2.3%
Positions opened / closed
28 / 17

Top buyers and sellers, Q2 2026: 98 institutions bought and 92 sold ; the biggest buyer was T. Rowe Price Investment Management, Inc (+1.2M shares) and the biggest seller Wellington Management Group LLP (−934K). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Blackrock, Inc. $252M 6.2M 15.5% ▲ 2.3%
Wellington Management Group LLP $139M 3.4M 8.5% ▼ 21.5%
T. Rowe Price Investment Management, Inc. $129M 3.2M 7.9% ▲ 59.1%
Dimensional Fund Advisors LP $99M 2.4M 6.1% ▲ 3.4%
State Street Corp $82.7M 2.0M 5.1% ▲ 7.5%
Basswood Capital Management, L.L.C. $79.1M 1.9M 4.9% ▼ 3.7%
Vanguard Capital Management LLC $75M 1.8M 4.6% 0.0%
Systematic Financial Management LP $48.3M 1.2M 3.0% ▼ 1.8%
American Century Companies Inc $42.7M 1.0M 2.6% ▲ 75.4%
Geode Capital Management, LLC $42.5M 1.0M 2.6% ▲ 1.9%
Vanguard Portfolio Management LLC $34.3M 843K 2.1% ▲ 5.5%
Brown Advisory Inc $31.3M 769K 1.9% ▼ 1.5%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Dime Commercial Bancshares, Inc.'s complete shareholder register. Values are as reported by the filers .

Insider trading activity

Full insider history and chart
Insider purchases History → $539,302 1 trade by 1 insider, last 12 months Insider sales History → $19.7M 87 trades by 7 insiders · 0% under pre-set plans
Net ▼ $19.1M net selling
Insider Date Trade Shares Price Value
Basswood Capital Management, L.L.C. Director October 29, 2026 Sell 799 $42.38 $33,862
Basswood Capital Management, L.L.C. Director October 29, 2026 Sell 15 $42.38 $636
Basswood Capital Management, L.L.C. Director October 29, 2026 Sell 318 $42.38 $13,477
Basswood Capital Management, L.L.C. Director October 29, 2026 Sell 55 $42.38 $2,331
Basswood Capital Management, L.L.C. Director October 29, 2026 Sell 1,444 $42.38 $61,197
Wu Judy EVP General Counsel & Corp Sec October 28, 2026 Sell 887 $42.33 $37,547
Perry Joseph Director October 28, 2026 Sell 3,000 $16.88 $50,640
Basswood Capital Management, L.L.C. Director October 28, 2026 Sell 1,565 $42.02 $65,761
Basswood Capital Management, L.L.C. Director October 28, 2026 Sell 29 $42.02 $1,219
Basswood Capital Management, L.L.C. Director October 28, 2026 Sell 623 $42.02 $26,178
Basswood Capital Management, L.L.C. Director October 28, 2026 Sell 109 $42.02 $4,580
Basswood Capital Management, L.L.C. Director October 28, 2026 Sell 2,834 $42.02 $119,085

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Earnings dates and SEC filings

Results announcements

Next expected around January 20, 2027 estimated from the company's past filing pattern, not announced

  • October 20, 2026
  • July 23, 2026
  • April 23, 2026
  • January 21, 2026
  • October 23, 2025
  • July 24, 2025

Recent SEC filings

Data status

When each part of this page on Dime Commercial Bancshares, Inc. was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Dime Commercial Bancshares, Inc. in brief

What does Dime Commercial Bancshares, Inc. do?
Dime Commercial Bancshares, Inc. is a US-listed company in the regional banks industry. Its financial year ends in December.
What is Dime Commercial Bancshares, Inc.'s stock ticker?
Dime Commercial Bancshares, Inc. trades under the ticker DCOM on NYSE. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is Dime Commercial Bancshares, Inc.'s revenue, and how fast is it growing?
Over its most recent trailing twelve months, Dime Commercial Bancshares, Inc. reported revenue of $509M, 31.8% higher than a year earlier, according to its SEC filings.
What is Dime Commercial Bancshares, Inc.'s free cash flow?
Dime Commercial Bancshares, Inc.'s free-cash-flow margin is 49.3% of revenue over the trailing twelve months.
Who are Dime Commercial Bancshares, Inc.'s largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Blackrock, Inc., Wellington Management Group LLP and T. Rowe Price Investment Management, Inc. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
What is Dime Commercial Bancshares, Inc.'s market cap?
On November 2, 2026, Dime Commercial Bancshares, Inc.'s market capitalisation was about $1.8B, with a price-to-earnings ratio of 12.9 and net debt of -$2.2B. Market figures come from third-party market data and may be delayed.
Does Dime Commercial Bancshares, Inc. pay a dividend?
Yes: Dime Commercial Bancshares, Inc. paid $43.1M in dividends over the trailing twelve months, a dividend yield of 2.31% and a payout ratio of 30.2%.
Who are Dime Commercial Bancshares, Inc.'s competitors?
In our Regional Banks peer group, the companies closest to Dime Commercial Bancshares, Inc. are Firstsun Capital Bancorp, German American Bancorp, Inc., First Commonwealth Financial Corp, Triumph Financial, Inc. and Peoples Bancorp Inc. The side-by-side comparison below sets their revenue, margins and growth against Dime Commercial Bancshares, Inc.'s.
Are insiders buying or selling Dime Commercial Bancshares, Inc. stock?
Over the last 12 months, Dime Commercial Bancshares, Inc.'s directors and officers reported 1 open-market purchases and 87 sales on Form 4. The insider trading page charts every trade.
When is Dime Commercial Bancshares, Inc.'s next earnings date?
Around January 20, 2027, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Dime Commercial Bancshares, Inc. announces its own schedule.