Dime Commercial Bancshares, Inc. /NY/ DCOM

Latest FY: 2025 Financial Services Banks - Regional
Market Price $40.72
Market Cap $1.80B
P/E Ratio 17.25
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑44.2% YoY
$452.93M
3-Yr CAGR: 2.7%
Net Income ↑280.6% YoY
$110.68M
Net Margin: 24.4%
Free Cash Flow ↑96.6% YoY
$182.44M
FCF Yield: 10.16%
EPS (Diluted) ↑329.1% YoY
$2.36
Basic: $2.36
Return on Equity Efficiency
7.5%
ROA: 0.7%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (DCOM)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $136.9M $120.1M $35.5M $2.00 $0.92 2.43% $44.2M $40.0M
FY 2017 $145.3M +6.1% $122.6M $20.5M -42.1% $1.04 -48.0% $0.92 2.63% $46.8M $44.8M +12.0%
FY 2018 $148.3M +2.1% $116.1M $39.2M +91.0% $1.97 +89.4% $0.92 3.61% $58.4M $53.1M +18.5%
FY 2019 $159.6M +7.6% $120.3M $51.7M +31.8% $2.59 +31.5% $0.92 2.74% $70.0M $66.7M +25.6%
FY 2020 $199.0M +24.7% $175.5M $42.0M -18.7% $2.11 -18.5% $0.96 3.97% $47.4M $42.3M -36.6%
FY 2021 $399.7M +100.9% $372.7M $104.0M +147.4% $2.45 +16.1% $1.01 2.88% $146.3M $146.3M +246.3%
FY 2022 $418.0M +4.6% $358.7M $152.6M +46.7% $3.73 +52.2% $0.95 3.00% $295.2M $291.4M +99.2%
FY 2023 $352.8M -15.6% $60.0M $96.1M -37.0% $2.29 -38.6% $0.98 3.63% $90.9M $85.2M -70.8%
FY 2024 $314.1M -11.0% $51.4M $29.1M -69.7% $0.55 -76.0% $0.98 3.18% $99.1M $92.8M +9.0%
FY 2025 $452.9M +44.2% $175.5M $110.7M +280.6% $2.36 +329.1% $1.00 3.32% $186.6M $182.4M +96.6%
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Valuation

Market Price $40.72
Market Cap $1.80B
Enterprise Value $919.47M
P/E Ratio 17.25
P/B Ratio 1.22
FCF Yield 10.16%
Dividend Yield 2.36%
Shares Outstanding 44,113,500
%

Profitability & Margins

Gross Margin 38.74%
Operating Margin 34.62%
Net Margin 24.44%
Return on Equity (ROE) 7.50%
Return on Assets (ROA) 0.72%
Asset Turnover 0.03x
Revenue 3-Yr CAGR 2.71%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.000
Debt / Assets 0.000
Cash & Equivalents $876.83M
Total Debt N/A
Book Value / Share $33.45
💧

Cash Flow Efficiency

Operating Cash Flow $186.57M
Capital Expenditures (CapEx) $4.13M
Free Cash Flow $182.44M
OCF / Revenue 41.19%
FCF / Revenue 40.28%
FCF 3-Yr CAGR -14.46%
🏷️

Per Share Metrics

EPS (Diluted) $2.36
EPS (Basic) $2.36
Dividends / Share $0.96
Book Value / Share $33.45
EPS YoY Growth 329.09%
🏛️

Balance Sheet (FY 2025)

Total Assets $15.34B
Total Liabilities $13.87B
Stockholders' Equity $1.48B
Current Assets N/A
Current Liabilities N/A