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 0.72%
2
The company has declared positive results in Mar'2025 after 6 consecutive negative quarters
- NII(Q) Highest at USD 98.1 MM
- CASH AND EQV(HY) Highest at USD 2,187.45 MM
- NET SALES(Q) Highest at USD 167.55 MM
3
With ROA of 0.21%, it has a expensive valuation with a 0.85 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 -21.37%, its profits have fallen by -50.1%
4
High Institutional Holdings at 87.62%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Below par performance in long term as well as near term
- Along with generating -21.37% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- 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.
-16.58%
1.71
33.87%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
29.48%
EBIT Growth (5y)
-4.98%
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
181.75%
Pledged Shares
0
Institutional Holding
87.62%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
32
Industry P/E
Price to Book Value
0.85
EV to EBIT
14.36
EV to EBITDA
12.63
EV to Capital Employed
0.79
EV to Sales
1.22
PEG Ratio
NA
Dividend Yield
123.85%
ROCE (Latest)
5.53%
ROE (Latest)
2.68%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend20What is working for the Company
NII(Q)
Highest at USD 98.1 MM
CASH AND EQV(HY)
Highest at USD 2,187.45 MM
NET SALES(Q)
Highest at USD 167.55 MM
OPERATING PROFIT(Q)
Highest at USD 40.02 MM
OPERATING PROFIT MARGIN(Q)
Highest at 23.89 %
PRE-TAX PROFIT(Q)
Highest at USD 40.17 MM
NET PROFIT(Q)
Highest at USD 29.18 MM
EPS(Q)
Highest at USD 0.64
-4What is not working for the Company
NET PROFIT(9M)
At USD 35.72 MM has Grown at -31.38%
CREDIT DEPOSIT RATIO(HY)
Lowest at 92.6%
Here's what is working for Dime Community Bancshares, Inc.
Net Profit
At USD 29.18 MM has Grown at 208.61%
over average net sales of the previous four periods of USD 9.46 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 98.1 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Pre-Tax Profit
At USD 40.17 MM has Grown at 154.64%
over average net sales of the previous four periods of USD 15.78 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Sales
Highest at USD 167.55 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 40.02 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 23.89 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 40.17 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 29.18 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.64
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 2,187.45 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
CASA
Highest at 12.3%
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 92.6% 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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