ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Dime Community Bancshares, Inc. ?
1
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 20.89%
2
With a growth in Interest of NAN%, the company declared Outstanding results in Dec 25
- OPERATING CASH FLOW(Y) Highest at USD 186.56 MM
- NII(Q) Highest at USD 112.29 MM
- ROCE(HY) Highest at 0.73%
3
With ROA of 0.27%, it has a expensive valuation with a 0.90 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 11.20%, its profits have fallen by -27%
4
High Institutional Holdings at 88.79%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Dime Community Bancshares, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Dime Community Bancshares, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Dime Community Bancshares, Inc.
11.71%
2.28
33.57%
S&P 500
17.78%
0.90
19.38%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
30.05%
EBIT Growth (5y)
21.07%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
42.37%
Pledged Shares
0
Institutional Holding
88.79%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
26
Industry P/E
Price to Book Value
0.90
EV to EBIT
10.74
EV to EBITDA
9.72
EV to Capital Employed
0.84
EV to Sales
1.14
PEG Ratio
NA
Dividend Yield
40.75%
ROCE (Latest)
7.86%
ROE (Latest)
3.41%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend33What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 186.56 MM
NII(Q)
Highest at USD 112.29 MM
ROCE(HY)
Highest at 0.73%
OPERATING PROFIT(Q)
Highest at USD 45.33 MM
CASH AND EQV(HY)
Highest at USD 4,069.01 MM
NET SALES(Q)
Highest at USD 180.48 MM
OPERATING PROFIT MARGIN(Q)
Highest at 25.12 %
PRE-TAX PROFIT(Q)
Highest at USD 47.83 MM
NET PROFIT(Q)
Highest at USD 31.29 MM
EPS(Q)
Highest at USD 0.67
-4What is not working for the Company
ROCE(HY)
Lowest at 0.73%
CREDIT DEPOSIT RATIO(HY)
Lowest at 83.78%
Here's what is working for Dime Community Bancshares, Inc.
NII
Highest at USD 112.29 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 186.56 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 45.33 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Pre-Tax Profit
At USD 47.83 MM has Grown at 93.02%
over average net sales of the previous four periods of USD 24.78 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 31.29 MM has Grown at 98.98%
over average net sales of the previous four periods of USD 15.72 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Net Sales
Highest at USD 180.48 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit Margin
Highest at 25.12 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 47.83 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 31.29 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.67
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 4,069.01 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at USD 4.05 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 4.05 MM has Grown at 148.1%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
CASA
Highest at 12.8%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Dime Community Bancshares, Inc.
Credit Deposit Ratio
Lowest at 83.78% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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