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.
Quarterly Income Statements for Dime Community Bancshares
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 |
|
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Net Income / (Loss) Attributable to Common Shareholders |
|
38 |
35 |
26 |
13 |
14 |
16 |
17 |
12 |
-22 |
20 |
28 |
Consolidated Net Income / (Loss) |
|
40 |
37 |
27 |
15 |
16 |
18 |
18 |
13 |
-20 |
21 |
30 |
Net Income / (Loss) Continuing Operations |
|
40 |
37 |
27 |
15 |
16 |
18 |
18 |
13 |
-20 |
21 |
30 |
Total Pre-Tax Income |
|
55 |
51 |
38 |
23 |
25 |
24 |
26 |
18 |
-17 |
29 |
40 |
Total Revenue |
|
106 |
95 |
91 |
84 |
83 |
82 |
87 |
88 |
57 |
104 |
110 |
Net Interest Income / (Expense) |
|
97 |
86 |
80 |
76 |
74 |
72 |
76 |
80 |
91 |
94 |
98 |
Total Interest Income |
|
130 |
141 |
152 |
158 |
159 |
161 |
159 |
164 |
165 |
162 |
168 |
Loans and Leases Interest Income |
|
121 |
128 |
138 |
143 |
145 |
144 |
147 |
152 |
148 |
143 |
145 |
Investment Securities Interest Income |
|
7.65 |
8.43 |
7.91 |
7.92 |
7.92 |
7.88 |
7.91 |
7.77 |
10 |
11 |
11 |
Other Interest Income |
|
1.44 |
3.80 |
5.87 |
6.93 |
6.09 |
9.56 |
4.41 |
4.65 |
7.47 |
7.84 |
11 |
Total Interest Expense |
|
33 |
55 |
72 |
81 |
85 |
89 |
84 |
84 |
74 |
68 |
69 |
Deposits Interest Expense |
|
22 |
37 |
53 |
63 |
74 |
73 |
73 |
74 |
71 |
58 |
60 |
Long-Term Debt Interest Expense |
|
9.78 |
18 |
18 |
17 |
14 |
15 |
9.03 |
8.76 |
8.54 |
8.38 |
8.35 |
Other Interest Expense |
|
1.27 |
- |
1.50 |
1.93 |
- |
1.71 |
2.01 |
1.53 |
- |
1.20 |
0.92 |
Total Non-Interest Income |
|
9.47 |
9.00 |
10 |
7.93 |
8.87 |
10 |
12 |
7.63 |
-34 |
9.63 |
12 |
Trust Fees by Commissions |
|
0.45 |
0.29 |
0.25 |
0.29 |
0.47 |
0.13 |
0.29 |
0.19 |
0.23 |
0.10 |
0.12 |
Other Service Charges |
|
4.75 |
4.30 |
5.41 |
4.50 |
4.40 |
5.01 |
4.53 |
4.61 |
4.73 |
5.35 |
5.68 |
Net Realized & Unrealized Capital Gains on Investments |
|
2.07 |
2.25 |
1.90 |
0.82 |
2.35 |
2.86 |
4.50 |
0.23 |
-40 |
0.19 |
1.53 |
Other Non-Interest Income |
|
2.19 |
2.16 |
2.85 |
2.32 |
1.66 |
2.46 |
2.48 |
2.61 |
1.62 |
3.99 |
4.19 |
Provision for Credit Losses |
|
0.34 |
-3.65 |
0.89 |
1.81 |
3.72 |
5.21 |
5.59 |
12 |
14 |
9.63 |
9.22 |
Total Non-Interest Expense |
|
51 |
47 |
52 |
60 |
54 |
53 |
56 |
58 |
61 |
66 |
60 |
Salaries and Employee Benefits |
|
32 |
27 |
30 |
31 |
30 |
32 |
32 |
36 |
36 |
36 |
36 |
Net Occupancy & Equipment Expense |
|
11 |
12 |
11 |
12 |
11 |
12 |
12 |
12 |
12 |
13 |
13 |
Marketing Expense |
|
1.56 |
1.45 |
1.49 |
2.08 |
1.77 |
1.50 |
1.64 |
1.63 |
1.90 |
1.67 |
1.76 |
Property & Liability Insurance Claims |
|
0.80 |
1.87 |
1.87 |
1.87 |
3.24 |
2.24 |
2.25 |
2.11 |
2.12 |
2.05 |
1.69 |
Other Operating Expenses |
|
4.90 |
5.53 |
7.23 |
13 |
7.22 |
4.75 |
7.52 |
5.59 |
8.50 |
13 |
7.77 |
Amortization Expense |
|
0.43 |
0.38 |
0.35 |
0.35 |
0.35 |
0.31 |
0.29 |
0.29 |
0.29 |
0.25 |
0.24 |
Income Tax Expense |
|
15 |
14 |
10 |
8.09 |
9.02 |
6.59 |
7.55 |
4.90 |
3.32 |
7.25 |
10 |
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 |
Other Adjustment to Net Income / (Loss) Attributable to Common Shareholders) |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
-0.08 |
Basic Earnings per Share |
|
$0.99 |
$0.92 |
$0.66 |
$0.34 |
$0.37 |
$0.41 |
$0.43 |
$0.29 |
($0.58) |
$0.45 |
$0.64 |
Weighted Average Basic Shares Outstanding |
|
38.53M |
38.81M |
38.83M |
38.82M |
38.83M |
38.97M |
39.15M |
39.15M |
43.64M |
43.82M |
43.89M |
Diluted Earnings per Share |
|
$0.99 |
$0.92 |
$0.66 |
$0.34 |
$0.37 |
$0.41 |
$0.43 |
$0.29 |
($0.58) |
$0.45 |
$0.64 |
Weighted Average Diluted Shares Outstanding |
|
38.53M |
38.81M |
38.83M |
38.82M |
38.83M |
38.97M |
39.15M |
39.15M |
43.64M |
43.82M |
43.89M |
Weighted Average Basic & Diluted Shares Outstanding |
|
38.53M |
38.81M |
38.83M |
38.82M |
38.83M |
38.97M |
39.15M |
39.15M |
43.64M |
43.82M |
43.89M |
Annual Cash Flow Statements for Dime Community Bancshares
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 |
|
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Net Change in Cash & Equivalents |
|
6.16 |
53 |
9.28 |
-19 |
201 |
8.23 |
88 |
150 |
-224 |
288 |
826 |
Net Cash From Operating Activities |
|
26 |
32 |
44 |
47 |
58 |
68 |
60 |
146 |
295 |
91 |
99 |
Net Cash From Continuing Operating Activities |
|
26 |
32 |
44 |
47 |
58 |
68 |
60 |
146 |
295 |
91 |
99 |
Net Income / (Loss) Continuing Operations |
|
14 |
21 |
35 |
21 |
39 |
36 |
42 |
104 |
153 |
96 |
29 |
Consolidated Net Income / (Loss) |
|
14 |
21 |
35 |
21 |
39 |
36 |
42 |
104 |
153 |
96 |
29 |
Provision For Loan Losses |
|
2.20 |
4.00 |
5.55 |
14 |
1.80 |
17 |
26 |
6.21 |
5.37 |
2.77 |
36 |
Depreciation Expense |
|
0.48 |
-3.79 |
3.48 |
3.83 |
3.82 |
5.08 |
5.07 |
7.81 |
8.31 |
6.03 |
5.69 |
Amortization Expense |
|
4.06 |
6.38 |
-1.09 |
-0.53 |
2.83 |
0.00 |
0.00 |
2.62 |
1.88 |
1.99 |
2.77 |
Non-Cash Adjustments to Reconcile Net Income |
|
1.72 |
0.10 |
-0.09 |
0.74 |
9.23 |
10 |
14 |
19 |
17 |
20 |
39 |
Changes in Operating Assets and Liabilities, net |
|
3.59 |
3.72 |
0.89 |
8.20 |
1.47 |
-0.15 |
-28 |
7.15 |
110 |
-36 |
-14 |
Net Cash From Investing Activities |
|
-171 |
-452 |
-280 |
-412 |
-81 |
-10 |
-324 |
1,103 |
-1,332 |
-214 |
64 |
Net Cash From Continuing Investing Activities |
|
-171 |
-452 |
-280 |
-412 |
-81 |
-10 |
-324 |
1,103 |
-1,332 |
-214 |
64 |
Purchase of Investment Securities |
|
-1,058 |
-1,026 |
-1,284 |
-1,302 |
-976 |
-320 |
-291 |
-1,139 |
-187 |
-138 |
-431 |
Sale of Property, Leasehold Improvements and Equipment |
|
- |
- |
- |
- |
- |
- |
0.00 |
0.00 |
1.91 |
0.03 |
19 |
Sale and/or Maturity of Investments |
|
890 |
554 |
1,008 |
892 |
901 |
290 |
294 |
1,959 |
213 |
184 |
628 |
Other Investing Activities, net |
|
- |
- |
- |
- |
- |
19 |
-328 |
283 |
-1,360 |
-260 |
-153 |
Net Cash From Financing Activities |
|
151 |
473 |
245 |
346 |
223 |
-50 |
353 |
-1,099 |
813 |
411 |
663 |
Net Cash From Continuing Financing Activities |
|
151 |
473 |
245 |
346 |
223 |
-50 |
353 |
-1,099 |
813 |
411 |
663 |
Net Change in Deposits |
|
125 |
224 |
83 |
409 |
552 |
-83 |
176 |
519 |
-204 |
276 |
1,156 |
Issuance of Debt |
|
1.50 |
202 |
200 |
5.06 |
- |
196 |
107 |
25 |
193 |
-1.36 |
182 |
Issuance of Common Equity |
|
0.63 |
0.78 |
48 |
0.95 |
1.02 |
- |
- |
- |
0.00 |
0.00 |
136 |
Repayment of Debt |
|
-1.45 |
- |
- |
-0.35 |
-261 |
-120 |
14 |
-1,537 |
915 |
182 |
-765 |
Repurchase of Common Equity |
|
-0.17 |
-0.23 |
-0.34 |
-0.35 |
-0.59 |
-24 |
-35 |
-59 |
-47 |
-0.95 |
0.00 |
Payment of Dividends |
|
-11 |
-13 |
-16 |
-18 |
-18 |
-20 |
-23 |
-47 |
-44 |
-45 |
-45 |
Other Financing Activities, Net |
|
36 |
59 |
-70 |
-50 |
-50 |
0.37 |
-2.94 |
0.48 |
-0.39 |
-0.09 |
-0.24 |
Cash Interest Paid |
|
7.38 |
8.79 |
17 |
23 |
32 |
93 |
59 |
28 |
55 |
281 |
343 |
Cash Income Taxes Paid |
|
4.07 |
8.74 |
22 |
8.45 |
2.47 |
12 |
16 |
35 |
44 |
38 |
29 |
Quarterly Cash Flow Statements for Dime Community Bancshares
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 |
|
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Net Change in Cash & Equivalents |
|
-144 |
494 |
-211 |
-94 |
99 |
-87 |
43 |
212 |
658 |
-253 |
126 |
Net Cash From Operating Activities |
|
48 |
13 |
31 |
86 |
-40 |
31 |
13 |
-33 |
89 |
65 |
23 |
Net Cash From Continuing Operating Activities |
|
48 |
13 |
31 |
86 |
-40 |
31 |
13 |
-33 |
89 |
65 |
23 |
Net Income / (Loss) Continuing Operations |
|
40 |
37 |
27 |
15 |
16 |
18 |
18 |
13 |
-20 |
21 |
30 |
Consolidated Net Income / (Loss) |
|
40 |
37 |
27 |
15 |
16 |
18 |
18 |
13 |
-20 |
21 |
30 |
Provision For Loan Losses |
|
0.34 |
-3.65 |
0.89 |
1.81 |
3.72 |
5.21 |
5.59 |
12 |
14 |
9.63 |
9.22 |
Depreciation Expense |
|
1.89 |
1.60 |
1.45 |
1.50 |
1.47 |
1.57 |
1.36 |
1.51 |
1.25 |
1.09 |
1.10 |
Amortization Expense |
|
0.43 |
0.38 |
0.35 |
0.35 |
0.91 |
0.94 |
0.92 |
0.89 |
0.03 |
-0.37 |
0.03 |
Non-Cash Adjustments to Reconcile Net Income |
|
7.05 |
6.74 |
2.26 |
3.98 |
6.64 |
1.27 |
-3.05 |
-0.42 |
41 |
-1.68 |
2.93 |
Changes in Operating Assets and Liabilities, net |
|
-2.04 |
-29 |
-1.26 |
64 |
-69 |
4.05 |
-11 |
-60 |
53 |
35 |
-20 |
Net Cash From Investing Activities |
|
-457 |
-191 |
-131 |
42 |
65 |
66 |
-11 |
-17 |
25 |
-85 |
-7.70 |
Net Cash From Continuing Investing Activities |
|
-457 |
-191 |
-131 |
42 |
65 |
66 |
-11 |
-17 |
25 |
-85 |
-7.70 |
Purchase of Investment Securities |
|
-34 |
-119 |
-5.02 |
1.69 |
-16 |
-5.29 |
-7.54 |
-22 |
-420 |
-132 |
-55 |
Sale and/or Maturity of Investments |
|
32 |
104 |
25 |
31 |
24 |
60 |
64 |
75 |
453 |
32 |
70 |
Other Investing Activities, net |
|
-456 |
-175 |
-151 |
9.32 |
57 |
7.64 |
-80 |
-70 |
-11 |
15 |
-23 |
Net Cash From Financing Activities |
|
265 |
671 |
-111 |
-222 |
73 |
-184 |
41 |
262 |
544 |
-234 |
111 |
Net Cash From Continuing Financing Activities |
|
265 |
671 |
-111 |
-222 |
73 |
-184 |
41 |
262 |
544 |
-234 |
111 |
Net Change in Deposits |
|
-234 |
316 |
-47 |
114 |
-106 |
368 |
130 |
389 |
269 |
-70 |
124 |
Issuance of Debt |
|
-560 |
368 |
-51 |
-325 |
6.64 |
0.00 |
73 |
599 |
50 |
-50 |
50 |
Repayment of Debt |
|
1,070 |
- |
- |
- |
183 |
-540 |
- |
-715 |
100 |
-100 |
-50 |
Payment of Dividends |
|
-11 |
-11 |
-11 |
-11 |
-11 |
-11 |
-11 |
-11 |
-11 |
-13 |
-13 |
Other Financing Activities, Net |
|
0.37 |
-0.91 |
0.35 |
0.13 |
0.34 |
-0.82 |
0.29 |
-0.04 |
0.33 |
-1.04 |
-0.93 |
Cash Interest Paid |
|
32 |
47 |
67 |
80 |
87 |
87 |
90 |
88 |
78 |
69 |
69 |
Cash Income Taxes Paid |
|
8.39 |
1.97 |
28 |
1.80 |
6.64 |
6.68 |
9.53 |
12 |
0.83 |
4.00 |
15 |
Annual Balance Sheets for Dime Community Bancshares
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 |
|
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Total Assets |
|
2,289 |
3,782 |
4,055 |
4,430 |
4,701 |
4,922 |
6,782 |
12,066 |
13,190 |
13,636 |
14,353 |
Cash and Due from Banks |
|
45 |
80 |
102 |
77 |
142 |
78 |
244 |
394 |
169 |
458 |
1,284 |
Trading Account Securities |
|
802 |
1,009 |
1,043 |
941 |
841 |
785 |
564 |
1,788 |
1,691 |
1,603 |
1,445 |
Loans and Leases, Net of Allowance |
|
1,321 |
2,390 |
2,575 |
3,071 |
3,244 |
3,647 |
5,581 |
9,161 |
10,483 |
10,702 |
10,783 |
Loans and Leases |
|
1,338 |
2,411 |
2,600 |
3,103 |
3,276 |
3,680 |
5,622 |
9,245 |
10,567 |
10,773 |
10,872 |
Allowance for Loan and Lease Losses |
|
18 |
21 |
26 |
32 |
31 |
33 |
41 |
84 |
84 |
72 |
89 |
Loans Held for Sale |
|
- |
- |
- |
- |
- |
- |
5.90 |
5.49 |
0.00 |
10 |
23 |
Premises and Equipment, Net |
|
32 |
40 |
35 |
34 |
35 |
34 |
19 |
51 |
47 |
46 |
35 |
Goodwill |
|
9.45 |
98 |
106 |
106 |
106 |
106 |
56 |
156 |
156 |
156 |
156 |
Intangible Assets |
|
0.84 |
8.38 |
5.82 |
5.21 |
4.37 |
3.68 |
0.00 |
8.36 |
6.48 |
5.06 |
3.90 |
Other Assets |
|
71 |
132 |
176 |
179 |
175 |
229 |
313 |
9,664 |
637 |
657 |
625 |
Total Liabilities & Shareholders' Equity |
|
2,289 |
3,782 |
4,055 |
4,430 |
4,701 |
4,922 |
6,782 |
12,066 |
13,190 |
13,636 |
14,353 |
Total Liabilities |
|
2,113 |
3,441 |
3,647 |
4,001 |
4,247 |
4,424 |
6,081 |
10,874 |
12,020 |
12,410 |
12,957 |
Non-Interest Bearing Deposits |
|
- |
- |
- |
- |
- |
- |
781 |
3,920 |
3,519 |
2,945 |
3,411 |
Interest Bearing Deposits |
|
1,834 |
2,844 |
2,926 |
3,335 |
3,886 |
3,815 |
3,744 |
6,539 |
6,735 |
7,585 |
8,276 |
Long-Term Debt |
|
154 |
392 |
590 |
580 |
319 |
514 |
1,438 |
224 |
1,333 |
1,513 |
930 |
Other Long-Term Liabilities |
|
14 |
35 |
29 |
35 |
41 |
95 |
117 |
191 |
433 |
366 |
340 |
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 |
|
175 |
341 |
408 |
429 |
454 |
497 |
701 |
1,193 |
1,170 |
1,226 |
1,397 |
Total Preferred & Common Equity |
|
175 |
341 |
408 |
429 |
454 |
497 |
701 |
1,193 |
1,170 |
1,226 |
1,397 |
Preferred Stock |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
117 |
117 |
117 |
117 |
117 |
Total Common Equity |
|
175 |
341 |
408 |
429 |
454 |
497 |
585 |
1,076 |
1,053 |
1,110 |
1,280 |
Common Stock |
|
119 |
279 |
330 |
348 |
352 |
357 |
279 |
495 |
496 |
495 |
625 |
Retained Earnings |
|
65 |
72 |
92 |
97 |
117 |
151 |
601 |
655 |
763 |
813 |
795 |
Treasury Stock |
|
-0.03 |
- |
-0.16 |
-0.30 |
-0.78 |
-1.84 |
-287 |
-59 |
-103 |
-98 |
-87 |
Accumulated Other Comprehensive Income / (Loss) |
|
-8.37 |
-9.62 |
-13 |
-15 |
-15 |
-8.34 |
-5.92 |
-6.18 |
-94 |
-92 |
-45 |
Other Equity Adjustments |
|
- |
- |
- |
- |
- |
- |
-1.50 |
-7.84 |
-8.08 |
-8.62 |
-7.64 |
Quarterly Balance Sheets for Dime Community Bancshares
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 |
|
Q2 2022 |
Q3 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q1 2025 |
Q2 2025 |
Total Assets |
|
12,347 |
12,886 |
13,842 |
13,803 |
13,651 |
13,501 |
13,549 |
13,747 |
14,098 |
14,208 |
Cash and Due from Banks |
|
281 |
313 |
663 |
453 |
359 |
371 |
414 |
626 |
1,031 |
1,157 |
Trading Account Securities |
|
1,695 |
1,717 |
1,663 |
1,647 |
1,648 |
1,584 |
1,542 |
1,473 |
1,441 |
1,420 |
Loans and Leases, Net of Allowance |
|
9,581 |
10,035 |
10,654 |
10,801 |
10,778 |
10,689 |
10,747 |
10,807 |
10,778 |
10,778 |
Loans and Leases |
|
9,661 |
10,117 |
10,732 |
10,876 |
10,851 |
10,765 |
10,825 |
10,892 |
10,869 |
10,871 |
Allowance for Loan and Lease Losses |
|
79 |
82 |
78 |
76 |
73 |
76 |
78 |
85 |
90 |
93 |
Loans Held for Sale |
|
0.53 |
0.29 |
2.17 |
0.37 |
3.92 |
8.97 |
15 |
13 |
2.53 |
14 |
Premises and Equipment, Net |
|
49 |
47 |
46 |
46 |
46 |
45 |
36 |
35 |
34 |
34 |
Goodwill |
|
156 |
156 |
156 |
156 |
156 |
156 |
156 |
156 |
156 |
156 |
Intangible Assets |
|
7.35 |
6.92 |
6.11 |
5.76 |
5.41 |
4.75 |
4.47 |
4.18 |
3.64 |
3.41 |
Other Assets |
|
577 |
610 |
11,306 |
695 |
656 |
644 |
635 |
633 |
652 |
647 |
Total Liabilities & Shareholders' Equity |
|
12,347 |
12,886 |
13,842 |
13,803 |
13,651 |
13,501 |
13,549 |
13,747 |
14,098 |
14,208 |
Total Liabilities |
|
11,207 |
11,745 |
12,650 |
12,600 |
12,447 |
12,262 |
12,298 |
12,483 |
12,686 |
12,777 |
Non-Interest Bearing Deposits |
|
3,840 |
3,831 |
3,122 |
2,955 |
3,043 |
2,921 |
3,065 |
3,319 |
3,334 |
3,478 |
Interest Bearing Deposits |
|
6,726 |
6,658 |
7,448 |
7,568 |
7,594 |
7,978 |
7,963 |
8,098 |
8,282 |
8,262 |
Long-Term Debt |
|
302 |
822 |
1,700 |
1,648 |
1,323 |
973 |
896 |
780 |
780 |
780 |
Other Long-Term Liabilities |
|
338 |
434 |
380 |
429 |
487 |
390 |
374 |
285 |
289 |
256 |
Commitments & Contingencies |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Total Equity & Noncontrolling Interests |
|
1,141 |
1,141 |
1,191 |
1,203 |
1,204 |
1,239 |
1,251 |
1,264 |
1,412 |
1,431 |
Total Preferred & Common Equity |
|
1,141 |
1,141 |
1,191 |
1,203 |
1,204 |
1,239 |
1,251 |
1,264 |
1,412 |
1,431 |
Preferred Stock |
|
117 |
117 |
117 |
117 |
117 |
117 |
117 |
117 |
117 |
117 |
Total Common Equity |
|
1,024 |
1,024 |
1,075 |
1,086 |
1,088 |
1,123 |
1,134 |
1,147 |
1,295 |
1,314 |
Common Stock |
|
496 |
496 |
494 |
494 |
495 |
493 |
489 |
489 |
624 |
623 |
Retained Earnings |
|
705 |
734 |
789 |
805 |
808 |
819 |
826 |
828 |
803 |
820 |
Treasury Stock |
|
-97 |
-103 |
-96 |
-97 |
-98 |
-94 |
-86 |
-86 |
-80 |
-77 |
Accumulated Other Comprehensive Income / (Loss) |
|
-70 |
-93 |
-99 |
-104 |
-107 |
-85 |
-83 |
-73 |
-39 |
-38 |
Other Equity Adjustments |
|
-10 |
-9.18 |
-13 |
-12 |
-10 |
-10 |
-12 |
-10 |
-13 |
-14 |
Annual Metrics And Ratios for Dime Community Bancshares
This table displays calculated financial ratios and metrics derived from Dime Community Bancshares' official financial filings.
Metric |
|
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
25.92% |
43.86% |
25.87% |
6.09% |
2.12% |
7.58% |
24.68% |
100.87% |
4.59% |
-15.61% |
-10.96% |
EBITDA Growth |
|
-4.82% |
34.98% |
64.37% |
-24.51% |
28.61% |
-5.61% |
15.63% |
164.09% |
40.05% |
-34.77% |
-58.66% |
EBIT Growth |
|
6.27% |
51.84% |
70.23% |
-27.26% |
22.50% |
-3.11% |
17.33% |
169.47% |
43.03% |
-35.41% |
-62.42% |
NOPAT Growth |
|
5.12% |
53.39% |
68.12% |
-42.13% |
90.99% |
-7.75% |
16.95% |
145.75% |
46.69% |
-37.01% |
-69.73% |
Net Income Growth |
|
5.12% |
53.39% |
68.12% |
-42.13% |
90.99% |
-7.75% |
16.95% |
145.75% |
46.69% |
-37.01% |
-69.73% |
EPS Growth |
|
-13.24% |
21.19% |
39.86% |
-48.00% |
89.42% |
-21.32% |
12.26% |
40.80% |
52.24% |
-38.61% |
-75.98% |
Operating Cash Flow Growth |
|
3.12% |
22.14% |
40.32% |
5.86% |
24.68% |
17.31% |
-12.50% |
144.16% |
101.72% |
-69.21% |
9.00% |
Free Cash Flow Firm Growth |
|
38.92% |
-492.77% |
54.71% |
105.30% |
2,790.92% |
-173.37% |
-436.21% |
176.20% |
-212.89% |
84.88% |
413.01% |
Invested Capital Growth |
|
28.35% |
114.39% |
27.47% |
1.10% |
-23.41% |
30.83% |
111.36% |
-33.78% |
76.64% |
9.48% |
-15.06% |
Revenue Q/Q Growth |
|
5.75% |
11.33% |
1.93% |
2.94% |
0.78% |
-1.93% |
8.22% |
14.52% |
1.07% |
-6.19% |
-7.58% |
EBITDA Q/Q Growth |
|
4.21% |
19.29% |
2.52% |
-27.00% |
54.01% |
-27.24% |
19.53% |
40.94% |
1.26% |
-17.08% |
-42.08% |
EBIT Q/Q Growth |
|
4.70% |
21.20% |
3.51% |
-28.16% |
60.52% |
-27.18% |
17.47% |
41.88% |
1.96% |
-17.93% |
-45.20% |
NOPAT Q/Q Growth |
|
4.27% |
22.14% |
3.39% |
-43.91% |
112.65% |
-29.53% |
17.78% |
41.05% |
3.18% |
-19.82% |
-55.80% |
Net Income Q/Q Growth |
|
4.27% |
22.14% |
3.39% |
-43.91% |
112.65% |
-29.53% |
17.78% |
41.05% |
3.18% |
-19.82% |
-55.80% |
EPS Q/Q Growth |
|
3.51% |
14.40% |
-0.99% |
-45.55% |
114.13% |
-39.69% |
40.32% |
54.09% |
-1.06% |
-21.31% |
-63.33% |
Operating Cash Flow Q/Q Growth |
|
-14.97% |
55.69% |
0.67% |
-10.70% |
14.66% |
5.16% |
-13.14% |
-14.55% |
25.88% |
-49.13% |
430.18% |
Free Cash Flow Firm Q/Q Growth |
|
56.55% |
-95.93% |
-6.39% |
105.17% |
19.20% |
-203.10% |
-924.17% |
251.79% |
-139.58% |
68.26% |
-19.57% |
Invested Capital Q/Q Growth |
|
3.36% |
36.63% |
28.58% |
1.21% |
-1.48% |
12.04% |
164.88% |
-0.65% |
27.46% |
8.38% |
13.82% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
33.78% |
31.70% |
41.40% |
29.45% |
37.09% |
32.54% |
30.18% |
39.68% |
53.13% |
41.07% |
19.07% |
EBIT Margin |
|
27.77% |
29.32% |
39.65% |
27.18% |
32.60% |
29.36% |
27.63% |
37.07% |
50.70% |
38.80% |
16.38% |
Profit (Net Income) Margin |
|
18.20% |
19.41% |
25.92% |
14.14% |
26.44% |
22.67% |
21.27% |
26.02% |
36.50% |
27.24% |
9.26% |
Tax Burden Percent |
|
65.53% |
66.20% |
65.38% |
52.02% |
81.10% |
77.22% |
76.96% |
70.19% |
71.99% |
70.20% |
56.54% |
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 |
|
34.47% |
33.80% |
34.62% |
47.98% |
18.90% |
22.78% |
23.04% |
29.81% |
28.01% |
29.80% |
43.46% |
Return on Invested Capital (ROIC) |
|
4.23% |
3.67% |
3.98% |
2.04% |
4.40% |
4.05% |
2.69% |
5.85% |
7.79% |
3.67% |
1.15% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
4.23% |
3.67% |
3.98% |
2.04% |
4.40% |
4.05% |
2.69% |
5.85% |
7.79% |
3.67% |
1.15% |
Return on Net Nonoperating Assets (RNNOA) |
|
4.00% |
4.51% |
5.49% |
2.86% |
4.49% |
3.56% |
4.38% |
5.13% |
5.13% |
4.36% |
1.07% |
Return on Equity (ROE) |
|
8.23% |
8.18% |
9.48% |
4.91% |
8.88% |
7.61% |
7.06% |
10.98% |
12.92% |
8.02% |
2.22% |
Cash Return on Invested Capital (CROIC) |
|
-20.60% |
-69.10% |
-20.17% |
0.95% |
30.92% |
-22.66% |
-68.85% |
46.49% |
-47.62% |
-5.38% |
17.44% |
Operating Return on Assets (OROA) |
|
1.00% |
1.05% |
1.39% |
0.93% |
1.06% |
0.97% |
0.94% |
1.57% |
1.68% |
1.02% |
0.37% |
Return on Assets (ROA) |
|
0.66% |
0.70% |
0.91% |
0.48% |
0.86% |
0.75% |
0.72% |
1.10% |
1.21% |
0.72% |
0.21% |
Return on Common Equity (ROCE) |
|
8.23% |
8.18% |
9.48% |
4.91% |
8.88% |
7.61% |
6.38% |
9.63% |
11.64% |
7.24% |
2.02% |
Return on Equity Simple (ROE_SIMPLE) |
|
7.86% |
6.19% |
8.70% |
4.79% |
8.64% |
7.28% |
6.04% |
8.72% |
13.04% |
7.84% |
2.08% |
Net Operating Profit after Tax (NOPAT) |
|
14 |
21 |
35 |
21 |
39 |
36 |
42 |
104 |
153 |
96 |
29 |
NOPAT Margin |
|
18.20% |
19.41% |
25.92% |
14.14% |
26.44% |
22.67% |
21.27% |
26.02% |
36.50% |
27.24% |
9.26% |
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 |
|
52.01% |
47.47% |
46.23% |
48.91% |
50.40% |
49.33% |
43.58% |
40.11% |
41.00% |
48.12% |
60.59% |
Operating Expenses to Revenue |
|
69.32% |
67.01% |
56.30% |
63.15% |
66.18% |
59.77% |
59.22% |
61.37% |
48.02% |
60.41% |
72.13% |
Earnings before Interest and Taxes (EBIT) |
|
21 |
32 |
54 |
39 |
48 |
47 |
55 |
148 |
212 |
137 |
51 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
26 |
34 |
57 |
43 |
55 |
52 |
60 |
159 |
222 |
145 |
60 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
1.05 |
0.83 |
1.11 |
1.14 |
0.84 |
1.07 |
1.49 |
1.16 |
1.06 |
0.90 |
1.04 |
Price to Tangible Book Value (P/TBV) |
|
1.12 |
1.21 |
1.52 |
1.54 |
1.11 |
1.37 |
1.65 |
1.37 |
1.25 |
1.05 |
1.19 |
Price to Revenue (P/Rev) |
|
2.44 |
2.61 |
3.30 |
3.37 |
2.58 |
3.34 |
4.39 |
3.13 |
2.67 |
2.82 |
4.24 |
Price to Earnings (P/E) |
|
13.40 |
13.46 |
12.73 |
23.87 |
9.75 |
14.71 |
23.27 |
12.94 |
7.68 |
11.20 |
61.05 |
Dividend Yield |
|
9.39% |
7.71% |
5.80% |
5.95% |
7.70% |
5.52% |
7.22% |
3.48% |
3.32% |
3.86% |
3.28% |
Earnings Yield |
|
7.47% |
7.43% |
7.86% |
4.19% |
10.26% |
6.80% |
4.30% |
7.73% |
13.02% |
8.93% |
1.64% |
Enterprise Value to Invested Capital (EV/IC) |
|
0.88 |
0.79 |
0.93 |
0.97 |
0.53 |
0.92 |
1.02 |
0.85 |
0.96 |
0.79 |
0.47 |
Enterprise Value to Revenue (EV/Rev) |
|
4.27 |
5.72 |
6.78 |
6.72 |
2.74 |
5.83 |
10.98 |
3.00 |
5.73 |
6.14 |
3.48 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
12.65 |
18.04 |
16.39 |
22.82 |
7.39 |
17.91 |
36.38 |
7.56 |
10.79 |
14.96 |
18.26 |
Enterprise Value to EBIT (EV/EBIT) |
|
15.38 |
19.51 |
17.11 |
24.73 |
8.41 |
19.85 |
39.73 |
8.09 |
11.30 |
15.83 |
21.27 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
23.48 |
29.47 |
26.17 |
47.54 |
10.37 |
25.70 |
51.62 |
11.52 |
15.70 |
22.55 |
37.62 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
12.52 |
19.74 |
21.00 |
20.85 |
6.97 |
13.58 |
36.45 |
8.19 |
8.12 |
23.85 |
11.05 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
0.00 |
0.00 |
0.00 |
102.37 |
1.48 |
0.00 |
0.00 |
1.45 |
0.00 |
0.00 |
2.48 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
1.09 |
1.30 |
1.45 |
1.35 |
0.70 |
1.04 |
2.05 |
0.19 |
1.14 |
1.23 |
0.67 |
Long-Term Debt to Equity |
|
0.88 |
1.15 |
1.45 |
1.35 |
0.70 |
1.03 |
2.05 |
0.19 |
1.14 |
1.23 |
0.67 |
Financial Leverage |
|
0.94 |
1.23 |
1.38 |
1.40 |
1.02 |
0.88 |
1.63 |
0.88 |
0.66 |
1.19 |
0.93 |
Leverage Ratio |
|
12.51 |
11.76 |
10.46 |
10.13 |
10.34 |
10.12 |
9.77 |
9.95 |
10.69 |
11.20 |
10.67 |
Compound Leverage Factor |
|
12.51 |
11.76 |
10.46 |
10.13 |
10.34 |
10.12 |
9.77 |
9.95 |
10.69 |
11.20 |
10.67 |
Debt to Total Capital |
|
52.10% |
56.48% |
59.16% |
57.51% |
41.33% |
50.88% |
67.23% |
15.81% |
53.26% |
55.24% |
39.98% |
Short-Term Debt to Total Capital |
|
9.92% |
6.49% |
0.07% |
0.09% |
0.07% |
0.10% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Long-Term Debt to Total Capital |
|
42.18% |
49.98% |
59.10% |
57.42% |
41.26% |
50.78% |
67.23% |
15.81% |
53.26% |
55.24% |
39.98% |
Preferred Equity to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
5.45% |
8.23% |
4.66% |
4.26% |
5.01% |
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 |
|
47.90% |
43.52% |
40.84% |
42.49% |
58.67% |
49.12% |
27.33% |
75.96% |
42.08% |
40.51% |
55.01% |
Debt to EBITDA |
|
7.46 |
12.84 |
10.43 |
13.58 |
5.81 |
9.91 |
23.95 |
1.41 |
6.00 |
10.44 |
15.53 |
Net Debt to EBITDA |
|
5.43 |
9.80 |
8.42 |
11.36 |
0.44 |
7.66 |
19.89 |
-1.07 |
5.24 |
7.29 |
-5.90 |
Long-Term Debt to EBITDA |
|
6.04 |
11.36 |
10.42 |
13.56 |
5.80 |
9.90 |
23.95 |
1.41 |
6.00 |
10.44 |
15.53 |
Debt to NOPAT |
|
13.84 |
20.97 |
16.66 |
28.28 |
8.15 |
14.23 |
33.98 |
2.15 |
8.74 |
15.75 |
31.99 |
Net Debt to NOPAT |
|
10.08 |
16.01 |
13.45 |
23.67 |
0.62 |
10.99 |
28.23 |
-1.63 |
7.63 |
10.99 |
-12.15 |
Long-Term Debt to NOPAT |
|
11.20 |
18.56 |
16.64 |
28.24 |
8.14 |
14.20 |
33.98 |
2.15 |
8.74 |
15.75 |
31.99 |
Noncontrolling Interest Sharing Ratio |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
9.73% |
12.31% |
9.87% |
9.73% |
8.89% |
Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Free Cash Flow to Firm (FCFF) |
|
-67 |
-397 |
-180 |
9.54 |
276 |
-202 |
-1,085 |
827 |
-933 |
-141 |
442 |
Operating Cash Flow to CapEx |
|
493.33% |
728.92% |
1,035.97% |
2,263.22% |
1,096.39% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Free Cash Flow to Firm to Interest Expense |
|
-8.98 |
-39.20 |
-10.68 |
0.42 |
8.56 |
-2.23 |
-19.27 |
30.59 |
-15.72 |
-0.48 |
1.33 |
Operating Cash Flow to Interest Expense |
|
3.46 |
3.11 |
2.63 |
2.06 |
1.81 |
0.75 |
1.06 |
5.42 |
4.97 |
0.31 |
0.30 |
Operating Cash Flow Less CapEx to Interest Expense |
|
2.76 |
2.69 |
2.37 |
1.97 |
1.65 |
0.75 |
1.06 |
5.42 |
5.00 |
0.31 |
0.36 |
Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Asset Turnover |
|
0.04 |
0.04 |
0.03 |
0.03 |
0.03 |
0.03 |
0.03 |
0.04 |
0.03 |
0.03 |
0.02 |
Fixed Asset Turnover |
|
2.50 |
3.02 |
3.66 |
4.22 |
4.33 |
4.62 |
7.49 |
11.42 |
8.56 |
7.63 |
7.79 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
366 |
784 |
999 |
1,010 |
774 |
1,012 |
2,139 |
1,417 |
2,502 |
2,739 |
2,327 |
Invested Capital Turnover |
|
0.23 |
0.19 |
0.15 |
0.14 |
0.17 |
0.18 |
0.13 |
0.22 |
0.21 |
0.13 |
0.12 |
Increase / (Decrease) in Invested Capital |
|
81 |
418 |
215 |
11 |
-237 |
238 |
1,127 |
-723 |
1,086 |
237 |
-413 |
Enterprise Value (EV) |
|
323 |
622 |
929 |
976 |
407 |
930 |
2,184 |
1,198 |
2,396 |
2,167 |
1,094 |
Market Capitalization |
|
184 |
284 |
452 |
490 |
382 |
532 |
873 |
1,251 |
1,116 |
995 |
1,331 |
Book Value per Share |
|
$15.03 |
$19.62 |
$23.34 |
$21.78 |
$22.93 |
$25.06 |
$29.58 |
$26.60 |
$27.30 |
$28.58 |
$32.69 |
Tangible Book Value per Share |
|
$14.15 |
$13.48 |
$16.95 |
$16.14 |
$17.35 |
$19.54 |
$26.77 |
$22.54 |
$23.09 |
$24.44 |
$28.61 |
Total Capital |
|
366 |
784 |
999 |
1,010 |
774 |
1,012 |
2,139 |
1,417 |
2,502 |
2,739 |
2,327 |
Total Debt |
|
190 |
443 |
591 |
581 |
320 |
515 |
1,438 |
224 |
1,333 |
1,513 |
930 |
Total Long-Term Debt |
|
154 |
392 |
590 |
580 |
319 |
514 |
1,438 |
224 |
1,333 |
1,513 |
930 |
Net Debt |
|
139 |
338 |
477 |
486 |
24 |
398 |
1,194 |
-170 |
1,163 |
1,056 |
-353 |
Capital Expenditures (CapEx) |
|
5.23 |
4.33 |
4.27 |
2.07 |
5.33 |
0.00 |
0.00 |
0.00 |
-1.91 |
-0.03 |
-19 |
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) |
|
190 |
443 |
591 |
581 |
320 |
515 |
1,438 |
224 |
1,333 |
1,513 |
930 |
Total Depreciation and Amortization (D&A) |
|
4.54 |
2.59 |
2.39 |
3.30 |
6.66 |
5.08 |
5.07 |
10 |
10 |
8.01 |
8.46 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
$1.18 |
$1.43 |
$2.01 |
$1.04 |
$1.97 |
$2.59 |
$2.11 |
$2.45 |
$3.73 |
$2.29 |
$0.55 |
Adjusted Weighted Average Basic Shares Outstanding |
|
11.70M |
17.45M |
19.69M |
19.78M |
19.85M |
19.84M |
41.49M |
39.65M |
38.53M |
38.83M |
43.64M |
Adjusted Diluted Earnings per Share |
|
$1.18 |
$1.43 |
$2.00 |
$1.04 |
$1.97 |
$2.59 |
$2.11 |
$2.45 |
$3.73 |
$2.29 |
$0.55 |
Adjusted Weighted Average Diluted Shares Outstanding |
|
11.70M |
17.45M |
19.69M |
19.78M |
19.85M |
19.84M |
41.49M |
39.65M |
38.53M |
38.83M |
43.64M |
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 |
|
11.70M |
17.45M |
19.69M |
19.78M |
19.85M |
19.84M |
41.49M |
39.65M |
38.53M |
38.83M |
43.64M |
Normalized Net Operating Profit after Tax (NOPAT) |
|
17 |
28 |
35 |
25 |
39 |
36 |
54 |
139 |
153 |
96 |
29 |
Normalized NOPAT Margin |
|
22.97% |
25.35% |
25.48% |
17.01% |
26.44% |
22.67% |
27.17% |
34.78% |
36.50% |
27.24% |
9.26% |
Pre Tax Income Margin |
|
27.77% |
29.32% |
39.65% |
27.18% |
32.60% |
29.36% |
27.63% |
37.07% |
50.70% |
38.80% |
16.38% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
2.82 |
3.15 |
3.22 |
1.74 |
1.50 |
0.52 |
0.98 |
5.48 |
3.57 |
0.47 |
0.15 |
NOPAT to Interest Expense |
|
1.84 |
2.08 |
2.11 |
0.91 |
1.22 |
0.40 |
0.75 |
3.85 |
2.57 |
0.33 |
0.09 |
EBIT Less CapEx to Interest Expense |
|
2.11 |
2.72 |
2.97 |
1.65 |
1.34 |
0.52 |
0.98 |
5.48 |
3.60 |
0.47 |
0.21 |
NOPAT Less CapEx to Interest Expense |
|
1.14 |
1.66 |
1.85 |
0.81 |
1.05 |
0.40 |
0.75 |
3.85 |
2.60 |
0.33 |
0.15 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
77.43% |
63.55% |
45.48% |
88.80% |
46.76% |
55.51% |
55.52% |
44.85% |
28.89% |
46.40% |
155.83% |
Augmented Payout Ratio |
|
78.69% |
64.63% |
46.45% |
90.50% |
48.25% |
122.36% |
139.07% |
101.85% |
59.54% |
47.39% |
155.83% |
Quarterly Metrics And Ratios for Dime Community Bancshares
This table displays calculated financial ratios and metrics derived from Dime Community Bancshares' official financial filings.
Metric |
|
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
4.33% |
-1.62% |
-14.21% |
-23.13% |
-21.90% |
-13.46% |
-3.66% |
3.73% |
-31.03% |
26.65% |
25.64% |
EBITDA Growth |
|
5.06% |
2.99% |
-29.46% |
-56.56% |
-51.86% |
-49.37% |
-28.06% |
-17.28% |
-157.07% |
9.85% |
45.90% |
EBIT Growth |
|
7.95% |
6.06% |
-30.15% |
-57.97% |
-54.14% |
-52.33% |
-30.67% |
-21.04% |
-167.48% |
18.26% |
54.32% |
NOPAT Growth |
|
13.30% |
8.03% |
-28.55% |
-62.05% |
-59.29% |
-52.57% |
-32.80% |
-11.06% |
-173.36% |
21.29% |
60.71% |
Net Income Growth |
|
13.30% |
8.03% |
-28.55% |
-62.05% |
-59.29% |
-52.57% |
-32.80% |
-11.06% |
-225.17% |
21.29% |
60.71% |
EPS Growth |
|
-3.88% |
12.20% |
-29.79% |
-65.31% |
-62.63% |
-55.43% |
-34.85% |
-14.71% |
-256.76% |
9.76% |
48.84% |
Operating Cash Flow Growth |
|
468.33% |
-83.15% |
-53.98% |
-13.73% |
-183.91% |
129.09% |
-59.54% |
-138.60% |
322.30% |
112.84% |
82.74% |
Free Cash Flow Firm Growth |
|
-237.95% |
-319.55% |
-5,904.42% |
-10.35% |
78.87% |
148.08% |
152.37% |
190.41% |
281.37% |
-94.03% |
-104.89% |
Invested Capital Growth |
|
76.64% |
105.78% |
97.56% |
28.75% |
9.48% |
-23.48% |
-24.71% |
-19.12% |
-15.06% |
-0.91% |
3.03% |
Revenue Q/Q Growth |
|
-3.21% |
-10.84% |
-4.36% |
-6.86% |
-1.68% |
-1.20% |
6.48% |
0.28% |
-34.63% |
81.43% |
5.63% |
EBITDA Q/Q Growth |
|
0.27% |
-8.08% |
-25.62% |
-36.64% |
11.13% |
-3.32% |
5.68% |
-27.15% |
-176.67% |
286.09% |
40.36% |
EBIT Q/Q Growth |
|
0.59% |
-7.80% |
-26.27% |
-38.53% |
9.75% |
-4.16% |
7.23% |
-30.00% |
-193.79% |
267.98% |
39.93% |
NOPAT Q/Q Growth |
|
1.46% |
-6.88% |
-26.28% |
-45.51% |
8.83% |
8.48% |
4.45% |
-27.88% |
-189.77% |
279.36% |
38.40% |
Net Income Q/Q Growth |
|
1.46% |
-6.88% |
-26.28% |
-45.51% |
8.83% |
8.48% |
4.45% |
-27.88% |
-253.17% |
205.12% |
38.40% |
EPS Q/Q Growth |
|
1.02% |
-7.07% |
-28.26% |
-48.48% |
8.82% |
10.81% |
4.88% |
-32.56% |
-300.00% |
177.59% |
42.22% |
Operating Cash Flow Q/Q Growth |
|
-52.30% |
-71.88% |
132.50% |
176.66% |
-146.40% |
176.76% |
-58.94% |
-363.98% |
367.18% |
-26.51% |
-64.75% |
Free Cash Flow Firm Q/Q Growth |
|
-110.02% |
-38.59% |
4.75% |
60.20% |
59.79% |
415.42% |
3.74% |
-31.29% |
-19.34% |
-89.61% |
-184.85% |
Invested Capital Q/Q Growth |
|
27.46% |
15.56% |
-1.41% |
-11.34% |
8.38% |
-19.23% |
-2.99% |
-4.76% |
13.82% |
-5.78% |
0.87% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
54.16% |
55.83% |
43.42% |
29.54% |
33.38% |
32.67% |
32.42% |
23.55% |
-27.63% |
28.33% |
37.65% |
EBIT Margin |
|
51.97% |
53.75% |
41.43% |
27.34% |
30.52% |
29.61% |
29.81% |
20.81% |
-29.86% |
27.65% |
36.62% |
Profit (Net Income) Margin |
|
37.70% |
39.37% |
30.34% |
17.75% |
19.65% |
21.58% |
21.16% |
15.22% |
-35.66% |
20.66% |
27.07% |
Tax Burden Percent |
|
72.53% |
73.25% |
73.24% |
64.93% |
64.38% |
72.87% |
70.99% |
73.13% |
119.44% |
74.74% |
73.92% |
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 |
|
27.47% |
26.75% |
26.76% |
35.07% |
35.62% |
27.13% |
29.01% |
26.87% |
0.00% |
25.26% |
26.08% |
Return on Invested Capital (ROIC) |
|
8.04% |
7.63% |
5.67% |
2.97% |
2.65% |
2.87% |
2.85% |
2.26% |
-2.59% |
3.15% |
4.45% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
8.04% |
7.63% |
5.67% |
2.97% |
2.65% |
2.87% |
2.85% |
2.26% |
-3.28% |
3.15% |
4.45% |
Return on Net Nonoperating Assets (RNNOA) |
|
5.30% |
6.34% |
4.72% |
2.72% |
3.14% |
3.16% |
2.96% |
1.93% |
-3.06% |
2.08% |
2.78% |
Return on Equity (ROE) |
|
13.34% |
13.97% |
10.40% |
5.69% |
5.79% |
6.04% |
5.81% |
4.19% |
-5.65% |
5.24% |
7.24% |
Cash Return on Invested Capital (CROIC) |
|
-47.62% |
-61.96% |
-58.85% |
-19.80% |
-5.38% |
29.60% |
30.89% |
24.02% |
17.44% |
2.41% |
-0.96% |
Operating Return on Assets (OROA) |
|
1.72% |
1.73% |
1.27% |
0.77% |
0.80% |
0.74% |
0.73% |
0.52% |
-0.67% |
0.67% |
0.95% |
Return on Assets (ROA) |
|
1.25% |
1.27% |
0.93% |
0.50% |
0.52% |
0.54% |
0.52% |
0.38% |
-0.80% |
0.50% |
0.70% |
Return on Common Equity (ROCE) |
|
12.02% |
12.59% |
9.36% |
5.13% |
5.22% |
5.46% |
5.26% |
3.80% |
-5.15% |
4.78% |
6.61% |
Return on Equity Simple (ROE_SIMPLE) |
|
0.00% |
13.04% |
12.00% |
9.95% |
0.00% |
6.17% |
5.39% |
5.21% |
0.00% |
2.33% |
3.08% |
Net Operating Profit after Tax (NOPAT) |
|
40 |
37 |
27 |
15 |
16 |
18 |
18 |
13 |
-12 |
21 |
30 |
NOPAT Margin |
|
37.70% |
39.37% |
30.34% |
17.75% |
19.65% |
21.58% |
21.16% |
15.22% |
-20.90% |
20.66% |
27.07% |
Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.69% |
0.00% |
0.00% |
SG&A Expenses to Revenue |
|
41.94% |
41.89% |
47.15% |
52.35% |
51.98% |
55.14% |
52.27% |
56.82% |
86.85% |
48.26% |
46.13% |
Operating Expenses to Revenue |
|
47.71% |
50.10% |
57.59% |
70.52% |
65.00% |
64.04% |
63.79% |
65.93% |
105.90% |
63.08% |
54.97% |
Earnings before Interest and Taxes (EBIT) |
|
55 |
51 |
38 |
23 |
25 |
24 |
26 |
18 |
-17 |
29 |
40 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
58 |
53 |
39 |
25 |
28 |
27 |
28 |
21 |
-16 |
29 |
41 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
1.06 |
0.76 |
0.59 |
0.67 |
0.90 |
0.64 |
0.70 |
0.97 |
1.04 |
0.93 |
0.89 |
Price to Tangible Book Value (P/TBV) |
|
1.25 |
0.90 |
0.70 |
0.79 |
1.05 |
0.74 |
0.81 |
1.13 |
1.19 |
1.06 |
1.01 |
Price to Revenue (P/Rev) |
|
2.67 |
1.97 |
1.61 |
1.95 |
2.82 |
2.10 |
2.35 |
3.29 |
4.24 |
3.60 |
3.27 |
Price to Earnings (P/E) |
|
7.68 |
5.54 |
4.70 |
6.52 |
11.20 |
10.32 |
13.13 |
19.11 |
61.05 |
47.32 |
31.87 |
Dividend Yield |
|
3.32% |
4.54% |
5.84% |
5.19% |
3.86% |
5.46% |
4.95% |
3.50% |
3.28% |
3.62% |
3.74% |
Earnings Yield |
|
13.02% |
18.03% |
21.26% |
15.34% |
8.93% |
9.69% |
7.61% |
5.23% |
1.64% |
2.11% |
3.14% |
Enterprise Value to Invested Capital (EV/IC) |
|
0.96 |
0.68 |
0.69 |
0.72 |
0.79 |
0.65 |
0.65 |
0.68 |
0.47 |
0.49 |
0.41 |
Enterprise Value to Revenue (EV/Rev) |
|
5.73 |
4.74 |
4.88 |
4.83 |
6.14 |
4.21 |
4.12 |
4.09 |
3.48 |
3.20 |
2.55 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
10.79 |
8.83 |
9.45 |
10.38 |
14.96 |
12.07 |
12.89 |
13.43 |
18.26 |
17.20 |
12.08 |
Enterprise Value to EBIT (EV/EBIT) |
|
11.30 |
9.19 |
9.85 |
10.88 |
15.83 |
13.00 |
14.07 |
14.80 |
21.27 |
19.26 |
13.03 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
15.70 |
12.71 |
13.56 |
15.14 |
22.55 |
18.74 |
20.59 |
21.11 |
37.62 |
32.75 |
20.70 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
8.12 |
8.62 |
10.17 |
10.16 |
23.85 |
13.24 |
15.50 |
0.00 |
11.05 |
8.04 |
6.33 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
1.90 |
1.80 |
2.53 |
2.48 |
20.29 |
0.00 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
1.14 |
1.43 |
1.37 |
1.10 |
1.23 |
0.79 |
0.72 |
0.62 |
0.67 |
0.55 |
0.55 |
Long-Term Debt to Equity |
|
1.14 |
1.43 |
1.37 |
1.10 |
1.23 |
0.79 |
0.72 |
0.62 |
0.67 |
0.55 |
0.55 |
Financial Leverage |
|
0.66 |
0.83 |
0.83 |
0.91 |
1.19 |
1.10 |
1.04 |
0.85 |
0.93 |
0.66 |
0.63 |
Leverage Ratio |
|
10.69 |
11.05 |
11.16 |
11.32 |
11.20 |
11.25 |
11.15 |
11.10 |
10.67 |
10.41 |
10.35 |
Compound Leverage Factor |
|
10.69 |
11.05 |
11.16 |
11.32 |
11.20 |
11.25 |
11.15 |
11.10 |
10.67 |
10.41 |
10.35 |
Debt to Total Capital |
|
53.26% |
58.80% |
57.82% |
52.35% |
55.24% |
43.98% |
41.74% |
38.17% |
39.98% |
35.59% |
35.29% |
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 |
|
53.26% |
58.80% |
57.82% |
52.35% |
55.24% |
43.98% |
41.74% |
38.17% |
39.98% |
35.59% |
35.29% |
Preferred Equity to Total Capital |
|
4.66% |
4.03% |
4.09% |
4.61% |
4.26% |
5.27% |
5.43% |
5.70% |
5.01% |
5.32% |
5.27% |
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 |
|
42.08% |
37.17% |
38.09% |
43.04% |
40.51% |
50.75% |
52.83% |
56.13% |
55.01% |
59.09% |
59.44% |
Debt to EBITDA |
|
6.00 |
7.60 |
7.95 |
7.57 |
10.44 |
8.19 |
8.32 |
7.55 |
15.53 |
12.48 |
10.33 |
Net Debt to EBITDA |
|
5.24 |
4.64 |
5.77 |
5.52 |
7.29 |
5.07 |
4.47 |
1.49 |
-5.90 |
-4.00 |
-4.98 |
Long-Term Debt to EBITDA |
|
6.00 |
7.60 |
7.95 |
7.57 |
10.44 |
8.19 |
8.32 |
7.55 |
15.53 |
12.48 |
10.33 |
Debt to NOPAT |
|
8.74 |
10.95 |
11.42 |
11.04 |
15.75 |
12.72 |
13.28 |
11.86 |
31.99 |
23.75 |
17.71 |
Net Debt to NOPAT |
|
7.63 |
6.68 |
8.28 |
8.05 |
10.99 |
7.88 |
7.14 |
2.34 |
-12.15 |
-7.62 |
-8.54 |
Long-Term Debt to NOPAT |
|
8.74 |
10.95 |
11.42 |
11.04 |
15.75 |
12.72 |
13.28 |
11.86 |
31.99 |
23.75 |
17.71 |
Noncontrolling Interest Sharing Ratio |
|
9.87% |
9.94% |
9.95% |
9.94% |
9.73% |
9.59% |
9.50% |
9.45% |
8.89% |
8.79% |
8.69% |
Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Free Cash Flow to Firm (FCFF) |
|
-1,046 |
-1,449 |
-1,380 |
-549 |
-221 |
697 |
723 |
497 |
401 |
42 |
-35 |
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 |
|
-31.62 |
-26.39 |
-19.20 |
-6.75 |
-2.61 |
7.79 |
8.61 |
5.89 |
5.39 |
0.62 |
-0.51 |
Operating Cash Flow to Interest Expense |
|
1.44 |
0.24 |
0.43 |
1.06 |
-0.47 |
0.34 |
0.15 |
-0.40 |
1.20 |
0.97 |
0.33 |
Operating Cash Flow Less CapEx to Interest Expense |
|
1.50 |
0.24 |
0.43 |
1.06 |
-0.47 |
0.39 |
0.30 |
-0.40 |
1.24 |
0.97 |
0.33 |
Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Asset Turnover |
|
0.03 |
0.03 |
0.03 |
0.03 |
0.03 |
0.02 |
0.02 |
0.02 |
0.02 |
0.02 |
0.03 |
Fixed Asset Turnover |
|
8.56 |
8.69 |
8.44 |
8.05 |
7.63 |
7.53 |
8.22 |
8.39 |
7.79 |
8.60 |
10.24 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
2,502 |
2,892 |
2,851 |
2,528 |
2,739 |
2,213 |
2,146 |
2,044 |
2,327 |
2,192 |
2,211 |
Invested Capital Turnover |
|
0.21 |
0.19 |
0.19 |
0.17 |
0.13 |
0.13 |
0.13 |
0.15 |
0.12 |
0.15 |
0.16 |
Increase / (Decrease) in Invested Capital |
|
1,086 |
1,486 |
1,408 |
564 |
237 |
-679 |
-704 |
-483 |
-413 |
-20 |
65 |
Enterprise Value (EV) |
|
2,396 |
1,975 |
1,957 |
1,815 |
2,167 |
1,433 |
1,389 |
1,389 |
1,094 |
1,076 |
912 |
Market Capitalization |
|
1,116 |
821 |
645 |
734 |
995 |
714 |
790 |
1,119 |
1,331 |
1,210 |
1,172 |
Book Value per Share |
|
$27.30 |
$27.89 |
$27.98 |
$28.02 |
$28.58 |
$28.92 |
$29.10 |
$29.31 |
$32.69 |
$29.69 |
$30.00 |
Tangible Book Value per Share |
|
$23.09 |
$23.69 |
$23.82 |
$23.86 |
$24.44 |
$24.78 |
$24.99 |
$25.22 |
$28.61 |
$26.03 |
$26.36 |
Total Capital |
|
2,502 |
2,892 |
2,851 |
2,528 |
2,739 |
2,213 |
2,146 |
2,044 |
2,327 |
2,192 |
2,211 |
Total Debt |
|
1,333 |
1,700 |
1,648 |
1,323 |
1,513 |
973 |
896 |
780 |
930 |
780 |
780 |
Total Long-Term Debt |
|
1,333 |
1,700 |
1,648 |
1,323 |
1,513 |
973 |
896 |
780 |
930 |
780 |
780 |
Net Debt |
|
1,163 |
1,037 |
1,196 |
964 |
1,056 |
602 |
482 |
154 |
-353 |
-250 |
-376 |
Capital Expenditures (CapEx) |
|
-1.91 |
0.00 |
0.00 |
-0.03 |
0.00 |
-3.88 |
-12 |
0.00 |
-2.95 |
0.00 |
0.00 |
Net Nonoperating Expense (NNE) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
8.45 |
0.00 |
0.00 |
Net Nonoperating Obligations (NNO) |
|
1,333 |
1,700 |
1,648 |
1,323 |
1,513 |
973 |
896 |
780 |
930 |
780 |
780 |
Total Depreciation and Amortization (D&A) |
|
2.32 |
1.98 |
1.80 |
1.85 |
2.38 |
2.51 |
2.28 |
2.40 |
1.28 |
0.72 |
1.13 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
$0.99 |
$0.92 |
$0.66 |
$0.34 |
$0.37 |
$0.41 |
$0.43 |
$0.29 |
($0.58) |
$0.45 |
$0.64 |
Adjusted Weighted Average Basic Shares Outstanding |
|
38.53M |
38.81M |
38.83M |
38.82M |
38.83M |
38.97M |
39.15M |
39.15M |
43.64M |
43.82M |
43.89M |
Adjusted Diluted Earnings per Share |
|
$0.99 |
$0.92 |
$0.66 |
$0.34 |
$0.37 |
$0.41 |
$0.43 |
$0.29 |
($0.58) |
$0.45 |
$0.64 |
Adjusted Weighted Average Diluted Shares Outstanding |
|
38.53M |
38.81M |
38.83M |
38.82M |
38.83M |
38.97M |
39.15M |
39.15M |
43.64M |
43.82M |
43.89M |
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 |
|
38.53M |
38.81M |
38.83M |
38.82M |
38.83M |
38.97M |
39.15M |
39.15M |
43.64M |
43.82M |
43.89M |
Normalized Net Operating Profit after Tax (NOPAT) |
|
40 |
37 |
27 |
15 |
16 |
18 |
18 |
13 |
-12 |
21 |
30 |
Normalized NOPAT Margin |
|
37.70% |
39.37% |
30.34% |
17.75% |
19.65% |
21.58% |
21.16% |
15.22% |
-20.90% |
20.66% |
27.07% |
Pre Tax Income Margin |
|
51.97% |
53.75% |
41.43% |
27.34% |
30.52% |
29.61% |
29.81% |
20.81% |
-29.86% |
27.65% |
36.62% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
1.67 |
0.93 |
0.52 |
0.28 |
0.30 |
0.27 |
0.31 |
0.22 |
-0.23 |
0.42 |
0.58 |
NOPAT to Interest Expense |
|
1.21 |
0.68 |
0.38 |
0.18 |
0.19 |
0.20 |
0.22 |
0.16 |
-0.16 |
0.32 |
0.43 |
EBIT Less CapEx to Interest Expense |
|
1.73 |
0.93 |
0.52 |
0.28 |
0.30 |
0.31 |
0.46 |
0.22 |
-0.19 |
0.42 |
0.58 |
NOPAT Less CapEx to Interest Expense |
|
1.27 |
0.68 |
0.38 |
0.18 |
0.19 |
0.24 |
0.37 |
0.16 |
-0.12 |
0.32 |
0.43 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
28.89% |
28.15% |
30.44% |
37.00% |
46.40% |
58.84% |
66.73% |
68.51% |
155.83% |
141.69% |
108.44% |
Augmented Payout Ratio |
|
59.54% |
47.51% |
35.58% |
38.01% |
47.39% |
58.84% |
66.73% |
68.51% |
155.83% |
141.69% |
108.44% |
Key Financial Trends
Dime Community Bancshares (NASDAQ:DCOMP) has exhibited notable financial trends over the past four years, with data available from Q2 2022 through Q2 2025. Here is a summary of key insights drawn from their income statements, cash flow statements, and balance sheets:
- Net Income Growth: The company’s consolidated net income increased substantially from $38.5 million in Q2 2022 to $29.7 million in Q2 2025, after a dip in late 2024 where losses were incurred in Q4 2024 (-$20.4 million). The recovery in 2025 indicates improved operations and profitability.
- Improving Earnings Per Share (EPS): From a low point of negative EPS (-$0.58) in Q4 2024, diluted EPS recovered to $0.64 in Q2 2025, reflecting better earnings attributable to common shareholders.
- Stable Loan Portfolio: Loans and leases remained strong, with net loans around $10.7 billion to $11 billion, showing consistent lending activities. Allowance for loan losses increased slightly but remains controlled relative to loan volume, suggesting prudent risk management.
- Strong Deposit Growth: Total deposits grew from about $10.4 billion in mid-2022 to approximately $11.7 billion by mid-2025, providing a robust funding base for the bank’s lending activities.
- Healthy Operating Cash Flows: Net cash from operating activities recovered from negative levels in late 2024 to positive $23 million in Q2 2025, indicating improving operational efficiency and cash management.
- Volatile Non-Interest Income: The company experienced fluctuations in non-interest income primarily from net realized and unrealized capital gains/losses, with a significant loss of $40 million in Q4 2024 but gains in other quarters, introducing some volatility to overall revenues.
- Stable Long-Term Debt: Long-term debt remained relatively flat around $780 million in 2025 after declines from over $1.7 billion in early 2023 to around $895 million in late 2024, reflecting strategic debt management.
- Salaries and Employee Benefits Consistent: While a major expense category, salaries and employee benefits have remained stable around $30-$36 million quarterly, suggesting controlled operational expenses.
- Deposit Interest Expense Increasing: Deposit interest expense rose from $22 million in Q4 2022 to $60 million+ in 2025, which may pressure net interest margins if not offset by increased interest income.
- Capital Loss Impact: The sharp capital loss in Q4 2024 significantly impacted the net income, pulling it into negative territory, showing susceptibility to market fluctuations in investment securities.
Summary: Dime Community Bancshares has demonstrated resilience with improving earnings and stable lending growth following a challenging Q4 2024. While volatility in non-interest income and rising deposit interest expenses pose challenges, the overall financial health appears to be strengthening backed by solid deposit growth and loan portfolio maintenance. Investors should watch upcoming quarters for sustained earnings recovery and margin stability.
10/19/25 07:24 AM ETAI Generated. May Contain Errors.