Dime Community Bancshares (DCOM) Financials

$25.29 +0.06 (+0.24%)

Closing price 05/23/2025 04:00 PM Eastern

Extended Trading

$25.30 +0.01 (+0.04%)

As of 05/23/2025 04:04 PM Eastern

Annual Income Statements for Dime Community Bancshares

This table shows Dime Community Bancshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015	12/31/2014
Net Income / (Loss) Attributable to Common Shareholders	22	89	145	97	38	36	39	21	35	21	14
Consolidated Net Income / (Loss)	29	96	153	104	42	36	39	21	35	21	14
Net Income / (Loss) Continuing Operations	29	96	153	104	42	36	39	21	35	21	14
Total Pre-Tax Income	51	137	212	148	55	47	48	39	54	32	21
Total Revenue	314	353	418	400	199	160	148	145	137	109	76
Net Interest Income / (Expense)	318	317	380	358	178	147	137	127	121	96	67
Total Interest Income	650	609	439	385	234	238	169	150	138	106	75
Loans and Leases Interest Income	590	554	407	359	217	218	144	126	117	89	58
Investment Securities Interest Income	34	32	29	23	14	15	22	21	20	17	17
Other Interest Income	26	23	3.40	2.98	3.28	5.59	1.87	1.70	1.17	0.59	0.41
Total Interest Expense	332	293	59	27	56	91	32	23	17	10	7.46
Deposits Interest Expense	291	226	38	17	33	62	21	10	6.87	5.60	4.42
Long-Term Debt Interest Expense	41	66	19	10	23	29	4.54	4.59	5.90	2.63	1.37
Total Non-Interest Income	-3.96	36	38	42	21	12	12	18	16	13	8.17
Trust Fees by Commissions	0.84	1.30	2.03	2.34	0.00	0.00	-	-	-	-	-
Other Service Charges	19	19	19	20	6.18	6.33	15	14	13	11	9.26
Net Realized & Unrealized Capital Gains on Investments	-33	7.32	7.28	13	10	3.01	-5.84	1.73	1.55	0.50	-1.09
Other Non-Interest Income	9.17	8.99	10	7.07	4.86	2.83	2.22	2.25	1.93	1.23	-
Provision for Credit Losses	36	2.77	5.37	6.21	26	17	1.80	14	5.55	4.00	2.20
Total Non-Interest Expense	227	213	201	245	118	95	98	92	77	73	52
Salaries and Employee Benefits	136	117	120	108	61	52	50	47	42	34	26
Net Occupancy & Equipment Expense	48	46	45	47	25	24	20	20	18	15	11
Marketing Expense	6.66	6.78	5.90	4.66	1.46	2.66	4.60	4.74	4.05	3.13	2.43
Property & Liability Insurance Claims	8.71	8.85	3.90	4.08	2.26	0.61	1.67	1.31	1.64	1.59	1.27
Other Operating Expenses	26	33	24	28	14	16	21	10	10	8.44	6.02
Amortization Expense	1.16	1.43	1.88	2.62	0.00	0.00	0.92	1.05	2.64	1.45	0.30
Income Tax Expense	22	41	59	44	13	11	9.14	19	19	11	7.24
Preferred Stock Dividends Declared	7.29	7.29	7.29	7.29	4.78	0.00	-	-	-	-	-
Basic Earnings per Share	$0.55	$2.29	$3.73	$2.45	$1.74	$1.56	$1.97	$1.04	$2.01	$1.43	$1.18
Weighted Average Basic Shares Outstanding	43.64M	38.83M	38.53M	39.65M	41.49M	19.84M	19.90M	19.70M	17.70M	14.80M	11.70M
Diluted Earnings per Share	$0.55	$2.29	$3.73	$2.45	$1.74	$1.55	$1.97	$1.04	$2.00	$1.43	$1.18
Weighted Average Diluted Shares Outstanding	43.64M	38.83M	38.53M	39.65M	41.49M	19.84M	19.90M	19.70M	17.70M	14.80M	11.70M
Weighted Average Basic & Diluted Shares Outstanding	43.64M	38.83M	38.53M	39.65M	41.49M	19.84M	19.90M	19.70M	17.70M	14.80M	11.70M

This table shows Dime Community Bancshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	20	-22	12	17	16	14	13	26	35	38	38
Consolidated Net Income / (Loss)	21	-20	13	18	18	16	15	27	37	40	39
Net Income / (Loss) Continuing Operations	21	-20	13	18	18	16	15	27	37	40	39
Total Pre-Tax Income	29	-17	18	26	24	25	23	38	51	55	55
Total Revenue	104	57	88	87	82	83	84	91	95	106	110
Net Interest Income / (Expense)	94	91	80	76	72	74	76	80	86	97	100
Total Interest Income	162	165	164	159	161	159	158	152	141	130	115
Loans and Leases Interest Income	143	148	152	147	144	145	143	138	128	121	106
Investment Securities Interest Income	11	10	7.77	7.91	7.88	7.92	7.92	7.91	8.43	7.65	7.37
Other Interest Income	7.84	7.47	4.65	4.41	9.56	6.09	6.93	5.87	3.80	1.44	0.85
Total Interest Expense	68	74	84	84	89	85	81	72	55	33	14
Deposits Interest Expense	58	71	74	73	73	74	63	53	37	22	10
Long-Term Debt Interest Expense	8.38	8.54	8.76	9.03	15	14	17	18	18	9.78	3.48
Other Interest Expense	1.20	-	1.53	2.01	1.71	-	1.93	1.50	-	1.27	0.45
Total Non-Interest Income	9.63	-34	7.63	12	10	8.87	7.93	10	9.00	9.47	9.36
Trust Fees by Commissions	0.10	0.23	0.19	0.29	0.13	0.47	0.29	0.25	0.29	0.45	0.47
Other Service Charges	5.35	4.73	4.61	4.53	5.01	4.40	4.50	5.41	4.30	4.75	4.50
Net Realized & Unrealized Capital Gains on Investments	0.19	-40	0.23	4.50	2.86	2.35	0.82	1.90	2.25	2.07	2.21
Other Non-Interest Income	3.99	1.62	2.61	2.48	2.46	1.66	2.32	2.85	2.16	2.19	2.18
Provision for Credit Losses	9.63	14	12	5.59	5.21	3.72	1.81	0.89	-3.65	0.34	6.59
Total Non-Interest Expense	66	61	58	56	53	54	60	52	47	51	48
Salaries and Employee Benefits	36	36	36	32	32	30	31	30	27	32	29
Net Occupancy & Equipment Expense	13	12	12	12	12	11	12	11	12	11	11
Marketing Expense	1.67	1.90	1.63	1.64	1.50	1.77	2.08	1.49	1.45	1.56	1.53
Property & Liability Insurance Claims	2.05	2.12	2.11	2.25	2.24	3.24	1.87	1.87	1.87	0.80	0.80
Other Operating Expenses	13	8.50	5.59	7.52	4.75	7.22	13	7.23	5.53	4.90	5.03
Amortization Expense	0.25	0.29	0.29	0.29	0.31	0.35	0.35	0.35	0.38	0.43	0.43
Income Tax Expense	7.25	3.32	4.90	7.55	6.59	9.02	8.09	10	14	15	15
Preferred Stock Dividends Declared	1.82	1.82	1.82	1.82	1.82	1.82	1.82	1.82	1.82	1.82	1.82
Basic Earnings per Share	$0.45	($0.58)	$0.29	$0.43	$0.41	$0.37	$0.34	$0.66	$0.92	$0.99	$0.98
Weighted Average Basic Shares Outstanding	43.82M	43.64M	39.15M	39.15M	38.97M	38.83M	38.82M	38.83M	38.81M	38.53M	38.57M
Diluted Earnings per Share	$0.45	($0.58)	$0.29	$0.43	$0.41	$0.37	$0.34	$0.66	$0.92	$0.99	$0.98
Weighted Average Diluted Shares Outstanding	43.82M	43.64M	39.15M	39.15M	38.97M	38.83M	38.82M	38.83M	38.81M	38.53M	38.57M
Weighted Average Basic & Diluted Shares Outstanding	43.82M	43.64M	39.15M	39.15M	38.97M	38.83M	38.82M	38.83M	38.81M	38.53M	38.57M

This table details how cash moves in and out of Dime Community Bancshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015	12/31/2014
Net Change in Cash & Equivalents	826	288	-224	150	88	8.23	201	-19	9.28	53	6.16
Net Cash From Operating Activities	99	91	295	146	60	68	58	47	44	32	26
Net Cash From Continuing Operating Activities	99	91	295	146	60	68	58	47	44	32	26
Net Income / (Loss) Continuing Operations	29	96	153	104	42	36	39	21	35	21	14
Consolidated Net Income / (Loss)	29	96	153	104	42	36	39	21	35	21	14
Provision For Loan Losses	36	2.77	5.37	6.21	26	17	1.80	14	5.55	4.00	2.20
Depreciation Expense	5.69	6.03	8.31	7.81	5.07	5.08	3.82	3.83	3.48	-3.79	0.48
Amortization Expense	2.77	1.99	1.88	2.62	0.00	0.00	2.83	-0.53	-1.09	6.38	4.06
Non-Cash Adjustments to Reconcile Net Income	39	20	17	19	14	10	9.23	0.74	-0.09	0.10	1.72
Changes in Operating Assets and Liabilities, net	-14	-36	110	7.15	-28	-0.15	1.47	8.20	0.89	3.72	3.59
Net Cash From Investing Activities	64	-214	-1,332	1,103	-324	-10	-81	-412	-280	-452	-171
Net Cash From Continuing Investing Activities	64	-214	-1,332	1,103	-324	-10	-81	-412	-280	-452	-171
Purchase of Investment Securities	-431	-138	-187	-1,139	-291	-320	-976	-1,302	-1,284	-1,026	-1,058
Sale of Property, Leasehold Improvements and Equipment	19	0.03	1.91	0.00	0.00	-	-	-	-	-	-
Sale and/or Maturity of Investments	628	184	213	1,959	294	290	901	892	1,008	554	890
Other Investing Activities, net	-153	-260	-1,360	283	-328	19	-	-	-	-	-
Net Cash From Financing Activities	663	411	813	-1,099	353	-50	223	346	245	473	151
Net Cash From Continuing Financing Activities	663	411	813	-1,099	353	-50	223	346	245	473	151
Net Change in Deposits	1,156	276	-204	519	176	-83	552	409	83	224	125
Issuance of Debt	182	-1.36	193	25	107	196	-	5.06	200	202	1.50
Issuance of Common Equity	136	0.00	0.00	-	-	-	1.02	0.95	48	0.78	0.63
Repayment of Debt	-765	182	915	-1,537	14	-120	-261	-0.35	-	-	-1.45
Repurchase of Common Equity	0.00	-0.95	-47	-59	-35	-24	-0.59	-0.35	-0.34	-0.23	-0.17
Payment of Dividends	-45	-45	-44	-47	-23	-20	-18	-18	-16	-13	-11
Other Financing Activities, Net	-0.24	-0.09	-0.39	0.48	-2.94	0.37	-50	-50	-70	59	36
Cash Interest Paid	343	281	55	28	59	93	32	23	17	8.79	7.38
Cash Income Taxes Paid	29	38	44	35	16	12	2.47	8.45	22	8.74	4.07

This table details how cash moves in and out of Dime Community Bancshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	-253	658	212	43	-87	99	-94	-211	494	-144	32
Net Cash From Operating Activities	65	89	-33	13	31	-40	86	31	13	48	100
Net Cash From Continuing Operating Activities	65	89	-33	13	31	-40	86	31	13	48	100
Net Income / (Loss) Continuing Operations	21	-20	13	18	18	16	15	27	37	40	39
Consolidated Net Income / (Loss)	21	-20	13	18	18	16	15	27	37	40	39
Provision For Loan Losses	9.63	14	12	5.59	5.21	3.72	1.81	0.89	-3.65	0.34	6.59
Depreciation Expense	1.09	1.25	1.51	1.36	1.57	1.47	1.50	1.45	1.60	1.89	2.06
Amortization Expense	-0.37	0.03	0.89	0.92	0.94	0.91	0.35	0.35	0.38	0.43	0.43
Non-Cash Adjustments to Reconcile Net Income	-1.68	41	-0.42	-3.05	1.27	6.64	3.98	2.26	6.74	7.05	0.85
Changes in Operating Assets and Liabilities, net	35	53	-60	-11	4.05	-69	64	-1.26	-29	-2.04	51
Net Cash From Investing Activities	-85	25	-17	-11	66	65	42	-131	-191	-457	-494
Net Cash From Continuing Investing Activities	-85	25	-17	-11	66	65	42	-131	-191	-457	-494
Purchase of Investment Securities	-132	-420	-22	-7.54	19	-16	1.69	-5.02	-119	-34	-74
Sale of Property, Leasehold Improvements and Equipment	0.00	2.95	-	12	3.88	-	0.03	-	0.00	1.91	-
Sale and/or Maturity of Investments	32	453	75	64	36	24	31	25	104	32	43
Other Investing Activities, net	15	-11	-70	-80	7.64	57	9.32	-151	-175	-456	-464
Net Cash From Financing Activities	-234	544	262	41	-184	73	-222	-111	671	265	426
Net Cash From Continuing Financing Activities	-234	544	262	41	-184	73	-222	-111	671	265	426
Net Change in Deposits	-70	269	389	130	368	-106	114	-47	316	-234	-77
Issuance of Debt	-50	50	599	73	-540	6.64	-325	-51	368	-560	595
Repayment of Debt	-100	100	-715	-	-	183	-	-	-	1,070	-75
Payment of Dividends	-13	-11	-11	-11	-11	-11	-11	-11	-11	-11	-11
Other Financing Activities, Net	-1.04	0.33	-0.04	0.29	-0.82	0.34	0.13	0.35	-0.91	0.37	0.09
Cash Interest Paid	69	78	88	90	87	87	80	67	47	32	12
Cash Income Taxes Paid	4.00	0.83	12	9.53	6.68	6.64	1.80	28	1.97	8.39	13

This table presents Dime Community Bancshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015	12/31/2014
Total Assets	14,353	13,636	13,190	12,066	6,782	4,922	4,701	4,430	4,055	3,782	2,289
Cash and Due from Banks	1,284	458	169	394	244	78	142	77	102	80	45
Trading Account Securities	1,445	1,603	1,691	1,788	564	785	841	941	1,043	1,009	802
Loans and Leases, Net of Allowance	10,783	10,702	10,483	9,161	5,581	3,647	3,244	3,071	2,575	2,390	1,321
Loans and Leases	10,872	10,773	10,567	9,245	5,622	3,680	3,276	3,103	2,600	2,411	1,338
Allowance for Loan and Lease Losses	89	72	84	84	41	33	31	32	26	21	18
Loans Held for Sale	23	10	0.00	5.49	5.90	-	-	-	-	-	-
Premises and Equipment, Net	35	46	47	51	19	34	35	34	35	40	32
Goodwill	156	156	156	156	56	106	106	106	106	98	9.45
Intangible Assets	3.90	5.06	6.48	8.36	0.00	3.68	4.37	5.21	5.82	8.38	0.84
Other Assets	625	657	637	9,664	313	229	175	179	176	132	71
Total Liabilities & Shareholders' Equity	14,353	13,636	13,190	12,066	6,782	4,922	4,701	4,430	4,055	3,782	2,289
Total Liabilities	12,957	12,410	12,020	10,874	6,081	4,424	4,247	4,001	3,647	3,441	2,113
Non-Interest Bearing Deposits	3,411	2,945	3,519	3,920	781	-	-	-	-	-	-
Interest Bearing Deposits	8,276	7,585	6,735	6,539	3,744	3,815	3,886	3,335	2,926	2,844	1,834
Long-Term Debt	930	1,513	1,333	224	1,438	514	319	580	590	392	154
Other Long-Term Liabilities	340	366	433	191	117	95	41	35	29	35	14
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	1,397	1,226	1,170	1,193	701	497	454	429	408	341	175
Total Preferred & Common Equity	1,397	1,226	1,170	1,193	701	497	454	429	408	341	175
Preferred Stock	117	117	117	117	117	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	1,280	1,110	1,053	1,076	585	497	454	429	408	341	175
Common Stock	625	495	496	495	279	357	352	348	330	279	119
Retained Earnings	795	813	763	655	601	151	117	97	92	72	65
Treasury Stock	-87	-98	-103	-59	-287	-1.84	-0.78	-0.30	-0.16	-	-0.03
Accumulated Other Comprehensive Income / (Loss)	-45	-92	-94	-6.18	-5.92	-8.34	-15	-15	-13	-9.62	-8.37
Other Equity Adjustments	-7.64	-8.62	-8.08	-7.84	-1.50	-	-	-	-	-	-

This table presents Dime Community Bancshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022
Period end date	3/31/2025	9/30/2024	6/30/2024	3/31/2024	9/30/2023	6/30/2023	3/31/2023	9/30/2022
Total Assets	14,098	13,747	13,549	13,501	13,651	13,803	13,842	12,886
Cash and Due from Banks	1,031	626	414	371	359	453	663	313
Trading Account Securities	1,441	1,473	1,542	1,584	1,648	1,647	1,663	1,717
Loans and Leases, Net of Allowance	10,778	10,807	10,747	10,689	10,778	10,801	10,654	10,035
Loans and Leases	10,869	10,892	10,825	10,765	10,851	10,876	10,732	10,117
Allowance for Loan and Lease Losses	90	85	78	76	73	76	78	82
Loans Held for Sale	2.53	13	15	8.97	3.92	0.37	2.17	0.29
Premises and Equipment, Net	34	35	36	45	46	46	46	47
Goodwill	156	156	156	156	156	156	156	156
Intangible Assets	3.64	4.18	4.47	4.75	5.41	5.76	6.11	6.92
Other Assets	652	633	635	644	656	695	11,306	610
Total Liabilities & Shareholders' Equity	14,098	13,747	13,549	13,501	13,651	13,803	13,842	12,886
Total Liabilities	12,686	12,483	12,298	12,262	12,447	12,600	12,650	11,745
Non-Interest Bearing Deposits	3,334	3,319	3,065	2,921	3,043	2,955	3,122	3,831
Interest Bearing Deposits	8,282	8,098	7,963	7,978	7,594	7,568	7,448	6,658
Long-Term Debt	780	780	896	973	1,323	1,648	1,700	822
Other Long-Term Liabilities	289	285	374	390	487	429	380	434
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	1,412	1,264	1,251	1,239	1,204	1,203	1,191	1,141
Total Preferred & Common Equity	1,412	1,264	1,251	1,239	1,204	1,203	1,191	1,141
Preferred Stock	117	117	117	117	117	117	117	117
Total Common Equity	1,295	1,147	1,134	1,123	1,088	1,086	1,075	1,024
Common Stock	624	489	489	493	495	494	494	496
Retained Earnings	803	828	826	819	808	805	789	734
Treasury Stock	-80	-86	-86	-94	-98	-97	-96	-103
Accumulated Other Comprehensive Income / (Loss)	-39	-73	-83	-85	-107	-104	-99	-93
Other Equity Adjustments	-13	-10	-12	-10	-10	-12	-13	-9.18

This table displays calculated financial ratios and metrics derived from Dime Community Bancshares' official financial filings.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015	12/31/2014
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-10.96%	-15.61%	4.59%	100.87%	24.68%	7.58%	2.12%	6.09%	25.87%	43.86%	25.92%
EBITDA Growth	-58.66%	-34.77%	40.05%	164.09%	15.63%	-5.61%	28.61%	-24.51%	64.37%	34.98%	-4.82%
EBIT Growth	-62.42%	-35.41%	43.03%	169.47%	17.33%	-3.11%	22.50%	-27.26%	70.23%	51.84%	6.27%
NOPAT Growth	-69.73%	-37.01%	46.69%	145.75%	16.95%	-7.75%	90.99%	-42.13%	68.12%	53.39%	5.12%
Net Income Growth	-69.73%	-37.01%	46.69%	145.75%	16.95%	-7.75%	90.99%	-42.13%	68.12%	53.39%	5.12%
EPS Growth	-75.98%	-38.61%	52.24%	40.80%	12.26%	-21.32%	89.42%	-48.00%	39.86%	21.19%	-13.24%
Operating Cash Flow Growth	9.00%	-69.21%	101.72%	144.16%	-12.50%	17.31%	24.68%	5.86%	40.32%	22.14%	3.12%
Free Cash Flow Firm Growth	413.01%	84.88%	-212.89%	176.20%	-436.21%	-173.37%	2,790.92%	105.30%	54.71%	-492.77%	38.92%
Invested Capital Growth	-15.06%	9.48%	76.64%	-33.78%	111.36%	30.83%	-23.41%	1.10%	27.47%	114.39%	28.35%
Revenue Q/Q Growth	-7.58%	-6.19%	1.07%	14.52%	8.22%	-1.93%	0.78%	2.94%	1.93%	11.33%	5.75%
EBITDA Q/Q Growth	-42.08%	-17.08%	1.26%	40.94%	19.53%	-27.24%	54.01%	-27.00%	2.52%	19.29%	4.21%
EBIT Q/Q Growth	-45.20%	-17.93%	1.96%	41.88%	17.47%	-27.18%	60.52%	-28.16%	3.51%	21.20%	4.70%
NOPAT Q/Q Growth	-55.80%	-19.82%	3.18%	41.05%	17.78%	-29.53%	112.65%	-43.91%	3.39%	22.14%	4.27%
Net Income Q/Q Growth	-55.80%	-19.82%	3.18%	41.05%	17.78%	-29.53%	112.65%	-43.91%	3.39%	22.14%	4.27%
EPS Q/Q Growth	-63.33%	-21.31%	-1.06%	54.09%	40.32%	-39.69%	114.13%	-45.55%	-0.99%	14.40%	3.51%
Operating Cash Flow Q/Q Growth	430.18%	-49.13%	25.88%	-14.55%	-13.14%	5.16%	14.66%	-10.70%	0.67%	55.69%	-14.97%
Free Cash Flow Firm Q/Q Growth	-19.57%	68.26%	-139.58%	251.79%	-924.17%	-203.10%	19.20%	105.17%	-6.39%	-95.93%	56.55%
Invested Capital Q/Q Growth	13.82%	8.38%	27.46%	-0.65%	164.88%	12.04%	-1.48%	1.21%	28.58%	36.63%	3.36%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	19.07%	41.07%	53.13%	39.68%	30.18%	32.54%	37.09%	29.45%	41.40%	31.70%	33.78%
EBIT Margin	16.38%	38.80%	50.70%	37.07%	27.63%	29.36%	32.60%	27.18%	39.65%	29.32%	27.77%
Profit (Net Income) Margin	9.26%	27.24%	36.50%	26.02%	21.27%	22.67%	26.44%	14.14%	25.92%	19.41%	18.20%
Tax Burden Percent	56.54%	70.20%	71.99%	70.19%	76.96%	77.22%	81.10%	52.02%	65.38%	66.20%	65.53%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	43.46%	29.80%	28.01%	29.81%	23.04%	22.78%	18.90%	47.98%	34.62%	33.80%	34.47%
Return on Invested Capital (ROIC)	1.15%	3.67%	7.79%	5.85%	2.69%	4.05%	4.40%	2.04%	3.98%	3.67%	4.23%
ROIC Less NNEP Spread (ROIC-NNEP)	1.15%	3.67%	7.79%	5.85%	2.69%	4.05%	4.40%	2.04%	3.98%	3.67%	4.23%
Return on Net Nonoperating Assets (RNNOA)	1.07%	4.36%	5.13%	5.13%	4.38%	3.56%	4.49%	2.86%	5.49%	4.51%	4.00%
Return on Equity (ROE)	2.22%	8.02%	12.92%	10.98%	7.06%	7.61%	8.88%	4.91%	9.48%	8.18%	8.23%
Cash Return on Invested Capital (CROIC)	17.44%	-5.38%	-47.62%	46.49%	-68.85%	-22.66%	30.92%	0.95%	-20.17%	-69.10%	-20.60%
Operating Return on Assets (OROA)	0.37%	1.02%	1.68%	1.57%	0.94%	0.97%	1.06%	0.93%	1.39%	1.05%	1.00%
Return on Assets (ROA)	0.21%	0.72%	1.21%	1.10%	0.72%	0.75%	0.86%	0.48%	0.91%	0.70%	0.66%
Return on Common Equity (ROCE)	2.02%	7.24%	11.64%	9.63%	6.38%	7.61%	8.88%	4.91%	9.48%	8.18%	8.23%
Return on Equity Simple (ROE_SIMPLE)	2.08%	7.84%	13.04%	8.72%	6.04%	7.28%	8.64%	4.79%	8.70%	6.19%	7.86%
Net Operating Profit after Tax (NOPAT)	29	96	153	104	42	36	39	21	35	21	14
NOPAT Margin	9.26%	27.24%	36.50%	26.02%	21.27%	22.67%	26.44%	14.14%	25.92%	19.41%	18.20%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	60.59%	48.12%	41.00%	40.11%	43.58%	49.33%	50.40%	48.91%	46.23%	47.47%	52.01%
Operating Expenses to Revenue	72.13%	60.41%	48.02%	61.37%	59.22%	59.77%	66.18%	63.15%	56.30%	67.01%	69.32%
Earnings before Interest and Taxes (EBIT)	51	137	212	148	55	47	48	39	54	32	21
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	60	145	222	159	60	52	55	43	57	34	26
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.04	0.90	1.06	1.16	1.49	1.07	0.84	1.14	1.11	0.83	1.05
Price to Tangible Book Value (P/TBV)	1.19	1.05	1.25	1.37	1.65	1.37	1.11	1.54	1.52	1.21	1.12
Price to Revenue (P/Rev)	4.24	2.82	2.67	3.13	4.39	3.34	2.58	3.37	3.30	2.61	2.44
Price to Earnings (P/E)	61.05	11.20	7.68	12.94	23.27	14.71	9.75	23.87	12.73	13.46	13.40
Dividend Yield	3.28%	3.86%	3.32%	3.48%	7.22%	5.52%	7.70%	5.95%	5.80%	7.71%	9.39%
Earnings Yield	1.64%	8.93%	13.02%	7.73%	4.30%	6.80%	10.26%	4.19%	7.86%	7.43%	7.47%
Enterprise Value to Invested Capital (EV/IC)	0.47	0.79	0.96	0.85	1.02	0.92	0.53	0.97	0.93	0.79	0.88
Enterprise Value to Revenue (EV/Rev)	3.48	6.14	5.73	3.00	10.98	5.83	2.74	6.72	6.78	5.72	4.27
Enterprise Value to EBITDA (EV/EBITDA)	18.26	14.96	10.79	7.56	36.38	17.91	7.39	22.82	16.39	18.04	12.65
Enterprise Value to EBIT (EV/EBIT)	21.27	15.83	11.30	8.09	39.73	19.85	8.41	24.73	17.11	19.51	15.38
Enterprise Value to NOPAT (EV/NOPAT)	37.62	22.55	15.70	11.52	51.62	25.70	10.37	47.54	26.17	29.47	23.48
Enterprise Value to Operating Cash Flow (EV/OCF)	11.05	23.85	8.12	8.19	36.45	13.58	6.97	20.85	21.00	19.74	12.52
Enterprise Value to Free Cash Flow (EV/FCFF)	2.48	0.00	0.00	1.45	0.00	0.00	1.48	102.37	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.67	1.23	1.14	0.19	2.05	1.04	0.70	1.35	1.45	1.30	1.09
Long-Term Debt to Equity	0.67	1.23	1.14	0.19	2.05	1.03	0.70	1.35	1.45	1.15	0.88
Financial Leverage	0.93	1.19	0.66	0.88	1.63	0.88	1.02	1.40	1.38	1.23	0.94
Leverage Ratio	10.67	11.20	10.69	9.95	9.77	10.12	10.34	10.13	10.46	11.76	12.51
Compound Leverage Factor	10.67	11.20	10.69	9.95	9.77	10.12	10.34	10.13	10.46	11.76	12.51
Debt to Total Capital	39.98%	55.24%	53.26%	15.81%	67.23%	50.88%	41.33%	57.51%	59.16%	56.48%	52.10%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.10%	0.07%	0.09%	0.07%	6.49%	9.92%
Long-Term Debt to Total Capital	39.98%	55.24%	53.26%	15.81%	67.23%	50.78%	41.26%	57.42%	59.10%	49.98%	42.18%
Preferred Equity to Total Capital	5.01%	4.26%	4.66%	8.23%	5.45%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	55.01%	40.51%	42.08%	75.96%	27.33%	49.12%	58.67%	42.49%	40.84%	43.52%	47.90%
Debt to EBITDA	15.53	10.44	6.00	1.41	23.95	9.91	5.81	13.58	10.43	12.84	7.46
Net Debt to EBITDA	-5.90	7.29	5.24	-1.07	19.89	7.66	0.44	11.36	8.42	9.80	5.43
Long-Term Debt to EBITDA	15.53	10.44	6.00	1.41	23.95	9.90	5.80	13.56	10.42	11.36	6.04
Debt to NOPAT	31.99	15.75	8.74	2.15	33.98	14.23	8.15	28.28	16.66	20.97	13.84
Net Debt to NOPAT	-12.15	10.99	7.63	-1.63	28.23	10.99	0.62	23.67	13.45	16.01	10.08
Long-Term Debt to NOPAT	31.99	15.75	8.74	2.15	33.98	14.20	8.14	28.24	16.64	18.56	11.20
Noncontrolling Interest Sharing Ratio	8.89%	9.73%	9.87%	12.31%	9.73%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	442	-141	-933	827	-1,085	-202	276	9.54	-180	-397	-67
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1,096.39%	2,263.22%	1,035.97%	728.92%	493.33%
Free Cash Flow to Firm to Interest Expense	1.33	-0.48	-15.72	30.59	-19.27	-2.23	8.56	0.42	-10.68	-39.20	-8.98
Operating Cash Flow to Interest Expense	0.30	0.31	4.97	5.42	1.06	0.75	1.81	2.06	2.63	3.11	3.46
Operating Cash Flow Less CapEx to Interest Expense	0.36	0.31	5.00	5.42	1.06	0.75	1.65	1.97	2.37	2.69	2.76
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.02	0.03	0.03	0.04	0.03	0.03	0.03	0.03	0.03	0.04	0.04
Fixed Asset Turnover	7.79	7.63	8.56	11.42	7.49	4.62	4.33	4.22	3.66	3.02	2.50
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	2,327	2,739	2,502	1,417	2,139	1,012	774	1,010	999	784	366
Invested Capital Turnover	0.12	0.13	0.21	0.22	0.13	0.18	0.17	0.14	0.15	0.19	0.23
Increase / (Decrease) in Invested Capital	-413	237	1,086	-723	1,127	238	-237	11	215	418	81
Enterprise Value (EV)	1,094	2,167	2,396	1,198	2,184	930	407	976	929	622	323
Market Capitalization	1,331	995	1,116	1,251	873	532	382	490	452	284	184
Book Value per Share	$32.69	$28.58	$27.30	$26.60	$29.58	$25.06	$22.93	$21.78	$23.34	$19.62	$15.03
Tangible Book Value per Share	$28.61	$24.44	$23.09	$22.54	$26.77	$19.54	$17.35	$16.14	$16.95	$13.48	$14.15
Total Capital	2,327	2,739	2,502	1,417	2,139	1,012	774	1,010	999	784	366
Total Debt	930	1,513	1,333	224	1,438	515	320	581	591	443	190
Total Long-Term Debt	930	1,513	1,333	224	1,438	514	319	580	590	392	154
Net Debt	-353	1,056	1,163	-170	1,194	398	24	486	477	338	139
Capital Expenditures (CapEx)	-19	-0.03	-1.91	0.00	0.00	0.00	5.33	2.07	4.27	4.33	5.23
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	930	1,513	1,333	224	1,438	515	320	581	591	443	190
Total Depreciation and Amortization (D&A)	8.46	8.01	10	10	5.07	5.08	6.66	3.30	2.39	2.59	4.54
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.55	$2.29	$3.73	$2.45	$2.11	$2.59	$1.97	$1.04	$2.01	$1.43	$1.18
Adjusted Weighted Average Basic Shares Outstanding	43.64M	38.83M	38.53M	39.65M	41.49M	19.84M	19.85M	19.78M	19.69M	17.45M	11.70M
Adjusted Diluted Earnings per Share	$0.55	$2.29	$3.73	$2.45	$2.11	$2.59	$1.97	$1.04	$2.00	$1.43	$1.18
Adjusted Weighted Average Diluted Shares Outstanding	43.64M	38.83M	38.53M	39.65M	41.49M	19.84M	19.85M	19.78M	19.69M	17.45M	11.70M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	43.64M	38.83M	38.53M	39.65M	41.49M	19.84M	19.85M	19.78M	19.69M	17.45M	11.70M
Normalized Net Operating Profit after Tax (NOPAT)	29	96	153	139	54	36	39	25	35	28	17
Normalized NOPAT Margin	9.26%	27.24%	36.50%	34.78%	27.17%	22.67%	26.44%	17.01%	25.48%	25.35%	22.97%
Pre Tax Income Margin	16.38%	38.80%	50.70%	37.07%	27.63%	29.36%	32.60%	27.18%	39.65%	29.32%	27.77%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.15	0.47	3.57	5.48	0.98	0.52	1.50	1.74	3.22	3.15	2.82
NOPAT to Interest Expense	0.09	0.33	2.57	3.85	0.75	0.40	1.22	0.91	2.11	2.08	1.84
EBIT Less CapEx to Interest Expense	0.21	0.47	3.60	5.48	0.98	0.52	1.34	1.65	2.97	2.72	2.11
NOPAT Less CapEx to Interest Expense	0.15	0.33	2.60	3.85	0.75	0.40	1.05	0.81	1.85	1.66	1.14
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	155.83%	46.40%	28.89%	44.85%	55.52%	55.51%	46.76%	88.80%	45.48%	63.55%	77.43%
Augmented Payout Ratio	155.83%	47.39%	59.54%	101.85%	139.07%	122.36%	48.25%	90.50%	46.45%	64.63%	78.69%

This table displays calculated financial ratios and metrics derived from Dime Community Bancshares' official financial filings.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	26.65%	-31.03%	3.73%	-3.66%	-13.46%	-21.90%	-23.13%	-14.21%	-1.62%	4.33%	5.02%
EBITDA Growth	9.85%	-157.07%	-17.28%	-28.06%	-49.37%	-51.86%	-56.56%	-29.46%	2.99%	5.06%	-0.64%
EBIT Growth	18.26%	-167.48%	-21.04%	-30.67%	-52.33%	-54.14%	-57.97%	-30.15%	6.06%	7.95%	3.68%
NOPAT Growth	21.29%	-173.36%	-11.06%	-32.80%	-52.57%	-59.29%	-62.05%	-28.55%	8.03%	13.30%	2.83%
Net Income Growth	21.29%	-225.17%	-11.06%	-32.80%	-52.57%	-59.29%	-62.05%	-28.55%	8.03%	13.30%	2.83%
EPS Growth	9.76%	-256.76%	-14.71%	-34.85%	-55.43%	-62.63%	-65.31%	-29.79%	12.20%	-3.88%	10.11%
Operating Cash Flow Growth	112.84%	322.30%	-138.60%	-59.54%	129.09%	-183.91%	-13.73%	-53.98%	-83.15%	468.33%	-1.50%
Free Cash Flow Firm Growth	-94.03%	281.37%	190.41%	152.37%	148.08%	78.87%	-10.35%	-5,904.42%	-319.55%	-237.95%	14.15%
Invested Capital Growth	-0.91%	-15.06%	-19.12%	-24.71%	-23.48%	9.48%	28.75%	97.56%	105.78%	76.64%	37.68%
Revenue Q/Q Growth	81.43%	-34.63%	0.28%	6.48%	-1.20%	-1.68%	-6.86%	-4.36%	-10.84%	-3.21%	3.94%
EBITDA Q/Q Growth	286.09%	-176.67%	-27.15%	5.68%	-3.32%	11.13%	-36.64%	-25.62%	-8.08%	0.27%	2.89%
EBIT Q/Q Growth	267.98%	-193.79%	-30.00%	7.23%	-4.16%	9.75%	-38.53%	-26.27%	-7.80%	0.59%	2.15%
NOPAT Q/Q Growth	279.36%	-189.77%	-27.88%	4.45%	8.48%	8.83%	-45.51%	-26.28%	-6.88%	1.46%	2.59%
Net Income Q/Q Growth	205.12%	-253.17%	-27.88%	4.45%	8.48%	8.83%	-45.51%	-26.28%	-6.88%	1.46%	2.59%
EPS Q/Q Growth	177.59%	-300.00%	-32.56%	4.88%	10.81%	8.82%	-48.48%	-28.26%	-7.07%	1.02%	4.26%
Operating Cash Flow Q/Q Growth	-26.51%	367.18%	-363.98%	-58.94%	176.76%	-146.40%	176.66%	132.50%	-71.88%	-52.30%	47.59%
Free Cash Flow Firm Q/Q Growth	-89.61%	-19.34%	-31.29%	3.74%	415.42%	59.79%	60.20%	4.75%	-38.59%	-110.02%	-2,193.66%
Invested Capital Q/Q Growth	-5.78%	13.82%	-4.76%	-2.99%	-19.23%	8.38%	-11.34%	-1.41%	15.56%	27.46%	36.05%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	28.33%	-27.63%	23.55%	32.42%	32.67%	33.38%	29.54%	43.42%	55.83%	54.16%	52.28%
EBIT Margin	27.65%	-29.86%	20.81%	29.81%	29.61%	30.52%	27.34%	41.43%	53.75%	51.97%	50.01%
Profit (Net Income) Margin	20.66%	-35.66%	15.22%	21.16%	21.58%	19.65%	17.75%	30.34%	39.37%	37.70%	35.96%
Tax Burden Percent	74.74%	119.44%	73.13%	70.99%	72.87%	64.38%	64.93%	73.24%	73.25%	72.53%	71.90%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	25.26%	0.00%	26.87%	29.01%	27.13%	35.62%	35.07%	26.76%	26.75%	27.47%	28.10%
Return on Invested Capital (ROIC)	3.15%	-2.59%	2.26%	2.85%	2.87%	2.65%	2.97%	5.67%	7.63%	8.04%	8.78%
ROIC Less NNEP Spread (ROIC-NNEP)	3.15%	-3.28%	2.26%	2.85%	2.87%	2.65%	2.97%	5.67%	7.63%	8.04%	8.78%
Return on Net Nonoperating Assets (RNNOA)	2.08%	-3.06%	1.93%	2.96%	3.16%	3.14%	2.72%	4.72%	6.34%	5.30%	3.92%
Return on Equity (ROE)	5.24%	-5.65%	4.19%	5.81%	6.04%	5.79%	5.69%	10.40%	13.97%	13.34%	12.70%
Cash Return on Invested Capital (CROIC)	2.41%	17.44%	24.02%	30.89%	29.60%	-5.38%	-19.80%	-58.85%	-61.96%	-47.62%	-22.98%
Operating Return on Assets (OROA)	0.67%	-0.67%	0.52%	0.73%	0.74%	0.80%	0.77%	1.27%	1.73%	1.72%	1.64%
Return on Assets (ROA)	0.50%	-0.80%	0.38%	0.52%	0.54%	0.52%	0.50%	0.93%	1.27%	1.25%	1.18%
Return on Common Equity (ROCE)	4.78%	-5.15%	3.80%	5.26%	5.46%	5.22%	5.13%	9.36%	12.59%	12.02%	11.44%
Return on Equity Simple (ROE_SIMPLE)	2.33%	0.00%	5.21%	5.39%	6.17%	0.00%	9.95%	12.00%	13.04%	0.00%	12.96%
Net Operating Profit after Tax (NOPAT)	21	-12	13	18	18	16	15	27	37	40	39
NOPAT Margin	20.66%	-20.90%	15.22%	21.16%	21.58%	19.65%	17.75%	30.34%	39.37%	37.70%	35.96%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.69%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	48.26%	86.85%	56.82%	52.27%	55.14%	51.98%	52.35%	47.15%	41.89%	41.94%	38.29%
Operating Expenses to Revenue	63.08%	105.90%	65.93%	63.79%	64.04%	65.00%	70.52%	57.59%	50.10%	47.71%	43.99%
Earnings before Interest and Taxes (EBIT)	29	-17	18	26	24	25	23	38	51	55	55
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	29	-16	21	28	27	28	25	39	53	58	57
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.93	1.04	0.97	0.70	0.65	0.90	0.67	0.59	0.76	1.06	1.01
Price to Tangible Book Value (P/TBV)	1.06	1.19	1.13	0.81	0.76	1.05	0.79	0.70	0.90	1.25	1.20
Price to Revenue (P/Rev)	3.60	4.24	3.29	2.35	2.15	2.82	1.95	1.61	1.97	2.67	2.50
Price to Earnings (P/E)	47.32	61.05	19.11	13.13	10.59	11.20	6.52	4.70	5.54	7.68	7.37
Dividend Yield	3.62%	3.28%	3.50%	4.95%	5.32%	3.86%	5.19%	5.84%	4.54%	3.32%	3.57%
Earnings Yield	2.11%	1.64%	5.23%	7.61%	9.44%	8.93%	15.34%	21.26%	18.03%	13.02%	13.57%
Enterprise Value to Invested Capital (EV/IC)	0.49	0.47	0.68	0.65	0.66	0.79	0.72	0.69	0.68	0.96	0.85
Enterprise Value to Revenue (EV/Rev)	3.20	3.48	4.09	4.12	4.27	6.14	4.83	4.88	4.74	5.73	4.02
Enterprise Value to EBITDA (EV/EBITDA)	17.20	18.26	13.43	12.89	12.22	14.96	10.38	9.45	8.83	10.79	7.58
Enterprise Value to EBIT (EV/EBIT)	19.26	21.27	14.80	14.07	13.17	15.83	10.88	9.85	9.19	11.30	8.00
Enterprise Value to NOPAT (EV/NOPAT)	32.75	37.62	21.11	20.59	18.98	22.55	15.14	13.56	12.71	15.70	11.24
Enterprise Value to Operating Cash Flow (EV/OCF)	8.04	11.05	0.00	15.50	13.42	23.85	10.16	10.17	8.62	8.12	7.09
Enterprise Value to Free Cash Flow (EV/FCFF)	20.29	2.48	2.53	1.80	1.92	0.00	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.55	0.67	0.62	0.72	0.79	1.23	1.10	1.37	1.43	1.14	0.72
Long-Term Debt to Equity	0.55	0.67	0.62	0.72	0.79	1.23	1.10	1.37	1.43	1.14	0.72
Financial Leverage	0.66	0.93	0.85	1.04	1.10	1.19	0.91	0.83	0.83	0.66	0.45
Leverage Ratio	10.41	10.67	11.10	11.15	11.25	11.20	11.32	11.16	11.05	10.69	10.78
Compound Leverage Factor	10.41	10.67	11.10	11.15	11.25	11.20	11.32	11.16	11.05	10.69	10.78
Debt to Total Capital	35.59%	39.98%	38.17%	41.74%	43.98%	55.24%	52.35%	57.82%	58.80%	53.26%	41.89%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	35.59%	39.98%	38.17%	41.74%	43.98%	55.24%	52.35%	57.82%	58.80%	53.26%	41.89%
Preferred Equity to Total Capital	5.32%	5.01%	5.70%	5.43%	5.27%	4.26%	4.61%	4.09%	4.03%	4.66%	5.94%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	59.09%	55.01%	56.13%	52.83%	50.75%	40.51%	43.04%	38.09%	37.17%	42.08%	52.17%
Debt to EBITDA	12.48	15.53	7.55	8.32	8.19	10.44	7.57	7.95	7.60	6.00	3.75
Net Debt to EBITDA	-4.00	-5.90	1.49	4.47	5.07	7.29	5.52	5.77	4.64	5.24	2.32
Long-Term Debt to EBITDA	12.48	15.53	7.55	8.32	8.19	10.44	7.57	7.95	7.60	6.00	3.75
Debt to NOPAT	23.75	31.99	11.86	13.28	12.72	15.75	11.04	11.42	10.95	8.74	5.56
Net Debt to NOPAT	-7.62	-12.15	2.34	7.14	7.88	10.99	8.05	8.28	6.68	7.63	3.45
Long-Term Debt to NOPAT	23.75	31.99	11.86	13.28	12.72	15.75	11.04	11.42	10.95	8.74	5.56
Noncontrolling Interest Sharing Ratio	8.79%	8.89%	9.45%	9.50%	9.59%	9.73%	9.94%	9.95%	9.94%	9.87%	9.96%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	42	401	497	723	697	-221	-549	-1,380	-1,449	-1,046	-498
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	0.62	5.39	5.89	8.61	7.79	-2.61	-6.75	-19.20	-26.39	-31.62	-35.34
Operating Cash Flow to Interest Expense	0.97	1.20	-0.40	0.15	0.34	-0.47	1.06	0.43	0.24	1.44	7.10
Operating Cash Flow Less CapEx to Interest Expense	0.97	1.24	-0.40	0.30	0.39	-0.47	1.06	0.43	0.24	1.50	7.10
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.02	0.02	0.02	0.02	0.02	0.03	0.03	0.03	0.03	0.03	0.03
Fixed Asset Turnover	8.60	7.79	8.39	8.22	7.53	7.63	8.05	8.44	8.69	8.56	8.29
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	2,192	2,327	2,044	2,146	2,213	2,739	2,528	2,851	2,892	2,502	1,963
Invested Capital Turnover	0.15	0.12	0.15	0.13	0.13	0.13	0.17	0.19	0.19	0.21	0.24
Increase / (Decrease) in Invested Capital	-20	-413	-483	-704	-679	237	564	1,408	1,486	1,086	537
Enterprise Value (EV)	1,076	1,094	1,389	1,389	1,452	2,167	1,815	1,957	1,975	2,396	1,662
Market Capitalization	1,210	1,331	1,119	790	733	995	734	645	821	1,116	1,036
Book Value per Share	$29.69	$32.69	$29.31	$29.10	$28.92	$28.58	$28.02	$27.98	$27.89	$27.30	$26.54
Tangible Book Value per Share	$26.03	$28.61	$25.22	$24.99	$24.78	$24.44	$23.86	$23.82	$23.69	$23.09	$22.32
Total Capital	2,192	2,327	2,044	2,146	2,213	2,739	2,528	2,851	2,892	2,502	1,963
Total Debt	780	930	780	896	973	1,513	1,323	1,648	1,700	1,333	822
Total Long-Term Debt	780	930	780	896	973	1,513	1,323	1,648	1,700	1,333	822
Net Debt	-250	-353	154	482	602	1,056	964	1,196	1,037	1,163	509
Capital Expenditures (CapEx)	0.00	-2.95	0.00	-12	-3.88	0.00	-0.03	0.00	0.00	-1.91	0.00
Net Nonoperating Expense (NNE)	0.00	8.45	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	780	930	780	896	973	1,513	1,323	1,648	1,700	1,333	822
Total Depreciation and Amortization (D&A)	0.72	1.28	2.40	2.28	2.51	2.38	1.85	1.80	1.98	2.32	2.49
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.45	($0.58)	$0.29	$0.43	$0.41	$0.37	$0.34	$0.66	$0.92	$0.99	$0.98
Adjusted Weighted Average Basic Shares Outstanding	43.82M	43.64M	39.15M	39.15M	38.97M	38.83M	38.82M	38.83M	38.81M	38.53M	38.57M
Adjusted Diluted Earnings per Share	$0.45	($0.58)	$0.29	$0.43	$0.41	$0.37	$0.34	$0.66	$0.92	$0.99	$0.98
Adjusted Weighted Average Diluted Shares Outstanding	43.82M	43.64M	39.15M	39.15M	38.97M	38.83M	38.82M	38.83M	38.81M	38.53M	38.57M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	43.82M	43.64M	39.15M	39.15M	38.97M	38.83M	38.82M	38.83M	38.81M	38.53M	38.57M
Normalized Net Operating Profit after Tax (NOPAT)	21	-12	13	18	18	16	15	27	37	40	39
Normalized NOPAT Margin	20.66%	-20.90%	15.22%	21.16%	21.58%	19.65%	17.75%	30.34%	39.37%	37.70%	35.96%
Pre Tax Income Margin	27.65%	-29.86%	20.81%	29.81%	29.61%	30.52%	27.34%	41.43%	53.75%	51.97%	50.01%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.42	-0.23	0.22	0.31	0.27	0.30	0.28	0.52	0.93	1.67	3.90
NOPAT to Interest Expense	0.32	-0.16	0.16	0.22	0.20	0.19	0.18	0.38	0.68	1.21	2.80
EBIT Less CapEx to Interest Expense	0.42	-0.19	0.22	0.46	0.31	0.30	0.28	0.52	0.93	1.73	3.90
NOPAT Less CapEx to Interest Expense	0.32	-0.12	0.16	0.37	0.24	0.19	0.18	0.38	0.68	1.27	2.80
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	141.69%	155.83%	68.51%	66.73%	58.84%	46.40%	37.00%	30.44%	28.15%	28.89%	30.28%
Augmented Payout Ratio	141.69%	155.83%	68.51%	66.73%	59.14%	47.39%	38.01%	35.58%	47.51%	59.54%	81.55%

Frequently Asked Questions About Dime Community Bancshares' Financials

When does Dime Community Bancshares's financial year end?

According to the most recent income statement we have on file, Dime Community Bancshares' fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Dime Community Bancshares' net income changed over the last 10 years?

Dime Community Bancshares' net income appears to be on an upward trend, with a most recent value of $29.08 million in 2024, rising from $13.76 million in 2014. The previous period was $96.09 million in 2023. See where experts think Dime Community Bancshares is headed by visiting Dime Community Bancshares' forecast page.

How has Dime Community Bancshares revenue changed over the last 10 years?

Over the last 10 years, Dime Community Bancshares' total revenue changed from $75.62 million in 2014 to $314.10 million in 2024, a change of 315.4%.

How much debt does Dime Community Bancshares have?

Dime Community Bancshares' total liabilities were at $12.96 billion at the end of 2024, a 4.4% increase from 2023, and a 513.1% increase since 2014.

How much cash does Dime Community Bancshares have?

In the past 10 years, Dime Community Bancshares' cash and equivalents has ranged from $45.11 million in 2014 to $1.28 billion in 2024, and is currently $1.28 billion as of their latest financial filing in 2024.

How has Dime Community Bancshares' book value per share changed over the last 10 years?

Over the last 10 years, Dime Community Bancshares' book value per share changed from 15.03 in 2014 to 32.69 in 2024, a change of 117.5%.

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This page (NASDAQ:DCOM) was last updated on 5/24/2025 by MarketBeat.com Staff

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Dime Community Bancshares (DCOM) Financials

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Dime Community Bancshares (DCOM) Financials

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