Dime Community Bancshares (DCOM) Financials

$30.43 -0.21 (-0.69%)

Closing price 04:00 PM Eastern

Extended Trading

$30.43 0.00 (0.00%)

As of 04:36 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	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	14	21	35	21	39	36	38	97	145	89	22
Consolidated Net Income / (Loss)	14	21	35	21	39	36	42	104	153	96	29
Net Income / (Loss) Continuing Operations	14	21	35	21	39	36	42	104	153	96	29
Total Pre-Tax Income	21	32	54	39	48	47	55	148	212	137	51
Total Revenue	76	109	137	145	148	160	199	400	418	353	314
Net Interest Income / (Expense)	67	96	121	127	137	147	178	358	380	317	318
Total Interest Income	75	106	138	150	169	238	234	385	439	609	650
Loans and Leases Interest Income	58	89	117	126	144	218	217	359	407	554	590
Investment Securities Interest Income	17	17	20	21	22	15	14	23	29	32	34
Other Interest Income	0.41	0.59	1.17	1.70	1.87	5.59	3.28	2.98	3.40	23	26
Total Interest Expense	7.46	10	17	23	32	91	56	27	59	293	332
Deposits Interest Expense	4.42	5.60	6.87	10	21	62	33	17	38	226	291
Long-Term Debt Interest Expense	1.37	2.63	5.90	4.59	4.54	29	23	10	19	66	41
Total Non-Interest Income	8.17	13	16	18	12	12	21	42	38	36	-3.96
Trust Fees by Commissions	-	-	-	-	-	0.00	0.00	2.34	2.03	1.30	0.84
Other Service Charges	9.26	11	13	14	15	6.33	6.18	20	19	19	19
Net Realized & Unrealized Capital Gains on Investments	-1.09	0.50	1.55	1.73	-5.84	3.01	10	13	7.28	7.32	-33
Other Non-Interest Income	-	1.23	1.93	2.25	2.22	2.83	4.86	7.07	10	8.99	9.17
Provision for Credit Losses	2.20	4.00	5.55	14	1.80	17	26	6.21	5.37	2.77	36
Total Non-Interest Expense	52	73	77	92	98	95	118	245	201	213	227
Salaries and Employee Benefits	26	34	42	47	50	52	61	108	120	117	136
Net Occupancy & Equipment Expense	11	15	18	20	20	24	25	47	45	46	48
Marketing Expense	2.43	3.13	4.05	4.74	4.60	2.66	1.46	4.66	5.90	6.78	6.66
Property & Liability Insurance Claims	1.27	1.59	1.64	1.31	1.67	0.61	2.26	4.08	3.90	8.85	8.71
Other Operating Expenses	6.02	8.44	10	10	21	16	14	28	24	33	26
Amortization Expense	0.30	1.45	2.64	1.05	0.92	0.00	0.00	2.62	1.88	1.43	1.16
Income Tax Expense	7.24	11	19	19	9.14	11	13	44	59	41	22
Preferred Stock Dividends Declared	-	-	-	-	-	0.00	4.78	7.29	7.29	7.29	7.29
Basic Earnings per Share	$1.18	$1.43	$2.01	$1.04	$1.97	$1.56	$1.74	$2.45	$3.73	$2.29	$0.55
Weighted Average Basic Shares Outstanding	11.70M	14.80M	17.70M	19.70M	19.90M	19.84M	41.49M	39.65M	38.53M	38.83M	43.64M
Diluted Earnings per Share	$1.18	$1.43	$2.00	$1.04	$1.97	$1.55	$1.74	$2.45	$3.73	$2.29	$0.55
Weighted Average Diluted Shares Outstanding	11.70M	14.80M	17.70M	19.70M	19.90M	19.84M	41.49M	39.65M	38.53M	38.83M	43.64M
Weighted Average Basic & Diluted Shares Outstanding	11.70M	14.80M	17.70M	19.70M	19.90M	19.84M	41.49M	39.65M	38.53M	38.83M	43.64M

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
Period end date	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025
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

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
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
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

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
Period end date	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025
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

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
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
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

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
Period end date	6/30/2022	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025
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

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
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
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%

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
Period end date	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025
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%

Financials Breakdown Chart

Key Financial Trends

Dime Community Bancshares (NASDAQ:DCOM) has shown a solid financial performance and growth trend over the past four years, through Q2 2025. Here's an analysis of key financial aspects based on their recent quarterly statements:

Consistent Net Income Growth: The company has demonstrated a steady increase in quarterly net income from approximately $16 million in Q4 2023 to nearly $30 million in Q2 2025, indicating improving profitability.
Rising Net Interest Income: Net interest income has grown over time, reaching $98.1 million in Q2 2025, up from $74.1 million in Q4 2023 and $93.5 million in Q2 2024. This suggests effective management of interest-earning assets and liabilities.
Strong Deposit Growth: Deposits increased significantly, with net change in deposits rising to $124.2 million in Q2 2025 compared to fluctuations in prior quarters, supporting balance sheet expansion and liquidity.
Stable Loan Portfolio with Controlled Credit Losses: Loans and leases have steadily increased to over $10.8 billion in Q2 2025, with provisions for loan losses fluctuating but generally moderate, indicating disciplined credit risk management.
Healthy Capital Position: Total equity increased to approximately $1.43 billion by Q2 2025, with a growing retained earnings balance, showing the bank's capacity to absorb potential losses and support growth.
Volatility in Non-Interest Income: Non-interest income swung sharply, with a large negative impact in Q4 2024 due to net realized and unrealized capital losses on investments (-$40.4 million), before recovering in subsequent quarters. This exposes some earnings sensitivity to market fluctuations.
Investment Securities Activity: The company’s cash flow statements show heavy purchases and sales/maturities of investment securities quarter to quarter, reflecting active portfolio management which could impact earnings volatility.
Rising Interest Expense on Debt: Interest expense on long-term debt increased notably in 2023 compared to earlier years, impacting net interest margin and overall expense levels.
Higher Operating Expenses Recently: Non-interest expenses, including salaries, occupancy, and insurance claims, have gradually increased. For example, total non-interest expenses were approximately $60.3 million in Q2 2025, up from $53.9 million in Q2 2022, which could pressure profitability if not controlled.
Cash Flow from Financing Activities Fluctuation: Notable swings in financing cash flow, including large repayments and issuances of debt, as well as significant dividend payments, suggest periods of financing adjustments which may reflect changing capital needs or strategy shifts.

In summary, Dime Community Bancshares has improved profitability and expanded its balance sheet with growing deposits and loans, maintaining a healthy capital base. However, investors should be mindful of earnings volatility from non-interest income fluctuations, increasing expenses, and evolving debt costs. The bank's ongoing management of credit quality and operational efficiency will be key to sustaining growth and returns.

10/07/25 05:00 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Dime Community Bancshares' Financials

When does Dime Community Bancshares' fiscal year end?

According to the most recent income statement we have on file, Dime Community Bancshares' financial year ends in December. Their financial 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 Dime Community Bancshares' forecast for analyst expectations on what’s next for the company.

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 10/7/2025 by MarketBeat.com Staff

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Dime Community Bancshares (DCOM) Financials

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Dime Community Bancshares (DCOM) Financials

Annual Income Statements for Dime Community Bancshares

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Quarterly Balance Sheets for Dime Community Bancshares

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Quarterly Metrics And Ratios for Dime Community Bancshares

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