Dime Community Bancshares, Inc. serves as the parent company for Dime Community Bank, which delivers a comprehensive range of commercial banking and ...
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Est. EPS $0.87 · Revenue $131.28M · 3 analysts
Est. EPS $0.94 · Revenue $135.29M · 3 analysts
Est. EPS $3.35 · Revenue $517.95M · 4 analysts
Est. EPS $0.96 · Revenue $135.05M · 1 analysts
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| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $730.4M | +13.0% | +1.0% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $110.7M | +280.6% | +0.7% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +56.1% | +30.5% | +0.2% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +21.5% | +169.7% | -2.3% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +15.2% | +236.7% | -0.3% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $182.4M | +96.6% | +16.6% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +25.0% | +73.9% | +15.5% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 25.1% | -64.2% | -8.9% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.25x | +117.8% | +5077.8% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $15.3B | +6.9% | +0.1% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 2.37 vs 2.54 | -6.8% | 0.75 vs 0.79 | -5.5% |
| Revenue Surprise | $730.4M vs $447.5M | +63.2% | $186.5M vs $123.5M | +51.1% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 13, 2026 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | director, other: Director-by-Deputization | Common Stock | D | 2,882 | $41.40 |
| Aug 13, 2026 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | director, other: Director-by-Deputization | Common Stock | D | 2,904 | $41.40 |
| Aug 13, 2026 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | director, other: Director-by-Deputization | Common Stock | D | 1,162 | $41.40 |
| Aug 13, 2026 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | director, other: Director-by-Deputization | Common Stock | D | 168 | $41.40 |
| Aug 13, 2026 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | director, other: Director-by-Deputization | Common Stock | D | 54 | $41.40 |
Operator : Good day, everyone, and thank you for standing by. Welcome to Dime Commercial Bancshares' second quarter earnings call. [Operator Instructions] Please be advised that today's conference is being recorded. Before we begin, the company would like to remind you that discussions during this call contain forward-looking statements made under the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Such statements are subject to risks, uncertainties and other factors that may cause actual results to differ materially from those contained in such statements, including as set forth in today's press release and the company's filings with the U.S. Securities and Exchange Commission, to which we refer you. During this call, references will be made to non-GAAP financial measures as supplemental measures to review and assess operating performance. These non-GAAP financial measures are not intended to be considered in isolation or as a substitute for the financial information prepared and presented in accordance with the U.S. GAAP. For information about these non-GAAP measures and for reconciliation to GAAP, please refer to today's earnings release. Now it's my pleasure to hand the conference over to Stuart Lubow, President and CEO. Please proceed. Stuart Lubow : Thank you, Carmen, and good morning. And thank you all for joining us this morning for our second quarter earnings call. With me today, as usual, are Avi Reddy, our Chief Operating Officer and CFO; and Tom Geisel, our Chief Commercial Officer. In my prepared remarks, I will touch upon the progress we've made in the second quarter. Avi will then provide financial details for the second quarter. Dime has differentiated our franchise from our local competitors as it relates to our organic growth trajectory, our ability to attract talented bankers, the quality of our deposit base, the progress we've made in diversifying our balance sheet, and our improving NIM and profitability. Revenues for the second quarter were $126 million, which was a record for Dime. Core EPS was up 23% versus prior year. NIM was up 7 basis points versus the linked quarter as we were able to lower cost of deposits and improve our yield on loans. On the loan front, we continue to execute on our stated plan of growing business loans. Year-over-year growth in business loans is approximately $743 million, which represents a 26% year-over-year increase. Our loan pipeline continues to be very strong and is approximately $1.4 billion, with a weighted average rate of approximately 6.25%. We were pleased to drive our core efficiency ratio below 50% in the second quarter. As you are aware, we have been very active on the hiring front over the past 3 years. And it's nice to see these investments paying for themselves and contributing to the improved profitability. To give you a sense of the scale of our transformation and hiring, we have added over 15 deposit teams in our private banking area, 6 …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Stuart H. Lubow | Chief Executive Officer, President & Director | USD 2,508,768 | Male | 1958 | Active |
Avinash Reddy | Chief Operating Officer, Senior EVice President & Chief Financial Officer | USD 991,542 | Male | 1984 | Active |
Thomas X. Geisel | Senior Executive Vice President & Chief Commercial Officer | USD 982,456 | Male | 1961 | Active |
Christopher J. Porzelt | Executive Vice President & Chief Risk Officer | USD 645,291 | Male | 1967 | Active |
Kenneth J. Mahon | Executive Chairman | USD 104,500 | Male | 1951 | Active |
Shawn Gines | Executive Vice President of Corporate & Specialty Finance | — | Male | — | Active |
Monica LaCroix-Rubin | EVP & Chief Compliance Officer | — | Female | 1983 | Active |
Steven Miley | Executive Vice President & Chief Marketing Officer | — | Male | 1965 | Active |
Elizabeth DiGangi | Chief Accounting Officer | — | Female | 1984 | Active |
Judy Wu | Executive Vice President, General Counsel & Corporate Secretary | — | Female | 1983 | Active |
HAUPPAUGE, N.Y., Aug. 17, 2026 (GLOBE NEWSWIRE) -- Dime Commercial Bank today announced its entry into the affordable housing space with the launch of a dedicated group that will serve developers that are building or preserving affordable and workforce housing.
HAUPPAUGE, N.Y., July 23, 2026 (GLOBE NEWSWIRE) -- Dime Commercial Bancshares, Inc. (NYSE: DCOM, DCOM PR and DCBG) (the “Company”) announced that its Board of Directors declared a quarterly cash dividend of $0.34375 per share on the Company's 5.50% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series A, payable on August 14, 2026 to holders of record as of August 7, 2026.
Dime Commercial Bancshares, Inc. (DCOM) Q2 2026 Earnings Call Transcript
Although the revenue and EPS for Dime Community (DCOM) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
Dime Community Bancshares NASDAQ: DCOM reported record second-quarter revenue and said it expects to resume share repurchases in the third quarter, as management pointed to continued net interest margin expansion, growth in business lending and a lower commercial real estate concentration.
