Dime Community Bancshares Monthly Analysis (March 2026)

Dime Community Bancs...

NasdaqGS:DCOM

$ 33,20

$-0,12 (-0,36%)

33,20 $

$-0,12 (-0,36%)

End-of-day quote: 03/26/2026

Dime Community Bancshares Stock Value

Analysts currently see NasdaqGS:DCOM at the level of Outperform.

Outperform

Dime Community Bancshares Company Info

EPS Growth 5Y

1,79%

Market Cap

$1,46 B

Long-Term Debt

$0,78 B

Short Interest

8,31%

Quarterly earnings

04/21/2026

Dividend

$1,00

Dividend Yield

3,00%

Founded

1910

Industry

Financials

Country

United States

ISIN Number

US25432X1028

Website

http://www.dime.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

$39,00

17.47%

Last Update: 03/26/2026

Analysts: 5

Highest Price Target $46,00

Average Price Target $39,00

Lowest Price Target $36,00

In the last five quarters, Dime Community Bancshares’s Price Target has risen from $17,72 to $23,70 - a 33,75% increase. Five analysts predict that Dime Community Bancshares’s share price will increase in the coming year, reaching $39,00. This would represent an increase of 17,47%.

Top growth stocks in the financials sector (5Y.)

What does Dime Community Bancshares do?

Dime Community Bancshares, Inc. operates as the bank holding company for Dime Community Bank that provides commercial banking and financial services. The company’s bank operations also include Dime Abstract LLC (‘Dime Abstract’), a wholly-owned subsidiary of the bank, which is a broker of title insurance services. The company engages in providing full-service commercial and consumer banking services, including accepting time, savings, and demand deposits from businesses, consumers, and local mu...

Dime Community Bancshares, Inc. operates as the bank holding company for Dime Community Bank that provides commercial banking and financial services.

The company’s bank operations also include Dime Abstract LLC (‘Dime Abstract’), a wholly-owned subsidiary of the bank, which is a broker of title insurance services. The company engages in providing full-service commercial and consumer banking services, including accepting time, savings, and demand deposits from businesses, consumers, and local municipalities in its market area. These deposits, together with funds generated from operations and borrowings, are invested primarily in: commercial real estate (‘CRE’) loans; multi-family mortgage loans; residential mortgage loans; secured and unsecured commercial and consumer loans; home equity loans; construction and land loans; Federal Home Loan Bank (‘FHLB’), Federal National Mortgage Association (‘Fannie Mae’), Government National Mortgage Association (‘Ginnie Mae’), and Federal Home Loan Mortgage Corporation (‘Freddie Mac’) mortgage-backed securities, collateralized mortgage obligations, and other asset-backed securities; the U.S. Treasury securities; New York State and local municipal obligations; the U.S. government-sponsored enterprise (‘U.S. GSE’) securities; and corporate bonds.

The company also offers the Certificate of Deposit Account Registry Service (‘CDARS’) and Insured Cash Sweep (‘ICS’) programs, providing multi-millions of dollars of Federal Deposit Insurance Corporation (‘FDIC’) insurance on deposits to its customers. In addition, the company offers merchant credit and debit card processing, automated teller machines, cash and treasury management services, escrow account services, lockbox processing, online banking services, remote deposit capture, safe deposit boxes, and individual retirement accounts. The company also offers investment services through Dime Financial Services LLC, which provides a full range of investment products and services through a third-party broker dealer. Through its title insurance subsidiary, Dime Abstract, the bank acts as a broker for title insurance services. The company’s customer base comprises principally small and medium-sized businesses, municipal relationships, and consumer relationships.

As of December 31, 2024, the company operated several branch locations throughout Long Island, the New York City boroughs of Brooklyn, Queens, Manhattan, Staten Island, and the Bronx, and Westchester County.

Principal Market Areas

The company’s principal market area is Greater Long Island, which includes the counties of Kings, Queens, Nassau, and Suffolk, and Manhattan. Industries represented across the principal market areas include retail establishments; construction and trades; restaurants and bars; lodging and recreation; professional entities; real estate; health services; passenger transportation; tech manufacturing; and agricultural and related businesses.

Loans

Business loans - Loans in this classification consist of commercial and industrial, and owner-occupied commercial real estate loans. Commercial and industrial loans consist of lines of credit, revolving lines of credit, and term loans, generally to businesses or net worth individuals. The owners of these businesses typically provide recourse, such that they guarantee the debt. The lines of credit are generally secured by the assets of the business. Term loans are generally secured by either specific or general asset liens of the borrower’s business. These loans are granted based upon the strength of the cash generation ability of the borrower. Included in C&I loans are also certain SBA loans in which the loan is secured by underlying assets of the business.

One-to-four family residential, including condominium and cooperative apartment loans - Loans in this classification consist of residential real estate and one-to-four family real estate properties. Included in one-to-four family loans are also certain SBA loans in which the loan is secured by underlying real estate as collateral.

Multifamily residential and residential mixed-use loans - Loans in this classification consist of multifamily residential real estate with a minimum of five residential units.

Non-owner-occupied commercial real estate loans - Loans in this classification consist of mortgage loans on nonresidential properties. Nonresidential properties include investor-owned assets, such as retail, warehouses/industrial facilities, hotels, supportive housing, non-medical and medical offices, educational facilities, and medical facilities, among others.

Acquisition, development, and construction loans - Loans in this classification consist of loans to purchase land intended for further development, including single-family homes, multi-family housing, and commercial income properties. In general, the maximum loan-to-value ratio for a land acquisition loan is 50% of the appraised value of the property. The credit quality of this portfolio is dependent on economic factors, such as unemployment rates and CRE prices.

Other loans - Loans in this classification consist of installment and consumer loans. Repayment is dependent on the credit quality of the individual borrower. The credit quality of this portfolio is dependent on economic factors, such as unemployment rates.

Securities

As of December 31, 2024, the company’s securities were agency notes, treasury securities, corporate securities, pass-through mortgage-backed securities issued by government-sponsored entities, agency collateralized mortgage obligations, and state and municipal obligations.

Deposits

As of December 31, 2024, the company’s deposits were savings accounts, certificates of deposit, money market accounts, interest-bearing checking accounts, and non-interest-bearing checking accounts.

Regulation and Supervision

The bank is a New York State-chartered trust company and a member of the Federal Reserve System (a ‘member bank’). The lending, investment, and other business operations of the bank are governed by New York and federal laws and regulations. The bank is subject to extensive regulation by the New York State Department of Financial Services (‘NYSDFS’), and as a member bank, by the Board of Governors of the Federal Reserve System (‘FRB’). The bank’s deposit accounts are insured up to applicable limits by the FDIC under its Deposit Insurance Fund (‘DIF’), and the FDIC has certain regulatory authority as deposit insurer.

The bank is a member of the DIF, which is administered by the FDIC. The company’s deposit accounts are insured by the FDIC.

Under the federal Bank Merger Act, prior approval of the FDIC is required for the bank to merge with or purchase the assets or assume the deposits of another insured depository institution.

Sections 23A and 23B of the Federal Reserve Act govern transactions between a member bank and its affiliates, which includes the company.

The bank is required to file periodic reports with, and is subject to periodic examination by, the NYSDFS and the FRB.

Federal law provides that institutions with more than $10 billion in total assets, such as the bank, are examined by the Consumer Financial Protection Bureau (‘CFPB’) as to compliance with certain federal consumer protection and fair lending laws and regulations.

Under the federal Community Reinvestment Act (‘CRA’), the bank has a continuing and affirmative obligation consistent with its safe and sound operation to help meet the credit needs of its entire community, including low and moderate-income neighborhoods.

The Bank Secrecy Act (‘BSA’) and the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (‘USA PATRIOT Act’) require the bank to implement a compliance program to detect and prevent money laundering, terrorist financing, and crime. Together, the BSA and USA PATRIOT Act require the bank to implement internal controls, conduct customer due diligence, maintain records, and file reports. The bank has established policies, procedures, and systems designed to comply with the BSA, USA PATRIOT Act, and regulations implemented thereunder.

The company, as a bank holding company controlling the bank, is subject to the Bank Holding Company Act of 1956, as amended (‘BHCA’), and the rules and regulations of the FRB under the BHCA applicable to bank holding companies. The company is required to file reports with, and otherwise comply with the rules and regulations of the FRB.

The company files certain reports with the Securities and Exchange Commission (‘SEC’) under the federal securities laws.

History

Dime Community Bancshares, Inc. was founded in 1910. The company was incorporated under the laws of the state of New York in 1988.

Dime Community Bancshares Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Banking sector:** approx. 70% **Real estate financing:** approx. 20% **Lending to small and medium-sized enterprises (SMEs):** approx. 10% **TOP 3 Markets:** 1. **New York:** 50% 2. **New Jersey:** 30% 3. **Connecticut:** 20% Dime Community Bancshares, Inc. generates the majority o...

At which locations are the company’s products manufactured?

**Production Sites:** Not applicable Dime Community Bancshares, Inc. is a financial services company and not a production company. It offers banking services such as deposits, loans, and other financial products. Therefore, the company does not have physical production sites for tangible products....

What strategy does Dime Community Bancshares pursue for future growth?

**Strategy for Future Growth:** 1. **Expansion of Branch Network:** Dime Community Bancshares plans to expand its branch network in strategically important regions to strengthen its market presence and attract new customers. 2. **Digitization and Technology Investments:** The company is increasing...

Which raw materials are imported and from which countries?

**Commodities/Materials:** Not applicable **Countries of origin:** Not applicable Dime Community Bancshares, Inc. is a financial services company and not a production or manufacturing firm. Therefore, it does not import any commodities or materials. The company operates in the banking sector and...

How strong is the company’s competitive advantage?

**Return on Equity (ROE):** 10.5% (estimated 2025) **Net Interest Margin:** 3.1% (estimated 2025) **Market Share in the Regional Banking Sector:** 2.5% (estimated 2025) Dime Community Bancshares, Inc. has a moderate competitive advantage in the regional banking sector. The return on equity of 1...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** approximately 70% (estimated, based on historical data and typical industry values) **Insider Purchases/Sales:** No specific current data available (as of 2026) The institutional investor share at Dime Community Bancshares, Inc. typically stands at around 70%, whi...

What percentage market share does Dime Community Bancshares have?

**Current market share of Dime Community Bancshares, Inc.:** Estimated around 0.5% (2026) **Top competitors and their market shares:** 1. JPMorgan Chase & Co. - around 10% 2. Bank of America - around 9% 3. Wells Fargo - around 8% 4. Citigroup - around 7% 5. U.S. Bancorp - around 5% 6. Truist Fi...

Is Dime Community Bancshares stock currently a good investment?

**Return on Equity (ROE):** 9.5% (2025) **Equity Ratio:** 12.3% (2025) **Net Interest Margin:** 3.1% (2025) Dime Community Bancshares, Inc. shows a solid return on equity of 9.5%, indicating an effective use of equity to generate profits. The equity ratio of 12.3% suggests a healthy capital structu...

Does Dime Community Bancshares pay a dividend – and how reliable is the payout?

**Dividend Yield:** 4.2% (estimated for 2026) **Dividend History:** Continuous payout over the last 5 years Dime Community Bancshares, Inc. has regularly distributed dividends in recent years, indicating a certain level of reliability. The estimated dividend yield is 4.2% for the year 2026, bas...

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Dime Community Bancshares Stock Value

Dime Community Bancshares Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Dime Community Bancshares do?

Dime Community Bancshares Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

Dime Community Bancshares Stock Value

Dime Community Bancshares Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Dime Community Bancshares do?

Dime Community Bancshares Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.