Dime Community Bancshares, Inc. (DCOM) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

+85.4%

$79.86

vs $43.08 price

Levered DCF

$104.06

After debt service

Piotroski score

8 / 9

Strong

Altman Z-score

-0.49

Distress zone

Rating

B+

Overall 3 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
P/E	12.75×	55.89×	11.76×	8.53×	14.35×	13.9×	32.87×	18.47×
P/B	0.88×	0.86×	0.84×	1.05×	1.15×	1.13×	1.99×	1.57×
P/S	1.77×	1.85×	1.59×	2.57×	3.21×	3.09×	4.75×	4.09×
EV / EBITDA	-4.24×	15.31×	14.82×	11.03×	7.97×	33.73×	46.09×	28.42×
Gross margin	56.1%	43.0%	54.2%	86.4%	92.2%	67.7%	56.8%	66.4%
Operating margin	21.5%	8.0%	21.2%	44.4%	34.7%	21.5%	18.7%	28.9%
Net margin	15.2%	4.5%	14.9%	32.0%	24.4%	16.6%	14.4%	22.2%
Current ratio	0.25×	0.11×	0.13×	0.11×	0.19×	0.18×	0.16×	0.15×
Debt / equity	0.25×	0.7×	1.28×	1.19×	0.24×	2.11×	2.28×	2.06×
Interest coverage	0.57×	0.15×	0.47×	3.57×	5.48×	0.98×	0.52×	0.89×
Dividend yield	3.9%	3.8%	4.3%	3.6%	3.4%	3.0%	1.7%	2.2%
Payout ratio	45.4%	155.8%	46.4%	28.9%	44.8%	55.5%	55.5%	40.6%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Return on equity	7.5%	2.1%	7.8%	13.0%	8.7%	6.0%	6.1%	8.5%
Return on invested capital	4.4%	1.1%	3.1%	5.2%	6.5%	1.9%	1.7%	2.6%
Return on assets	0.7%	0.2%	0.7%	1.2%	0.9%	0.6%	0.6%	0.8%
Free cash flow yield	14.1%	7.8%	8.3%	23.8%	10.7%	7.5%	5.6%	6.3%
Earnings yield	8.5%	2.4%	9.3%	12.4%	7.6%	5.4%	3.0%	5.4%
Enterprise value	-$687.9M	$892.5M	$2.1B	$2.5B	$1.3B	$2B	$2.4B	$2B
Net debt / EBITDA	-12.21×	-5.22×	7.7×	5.51×	-0.65×	20.57×	23.2×	15.23×
Cash conversion cycle (days)	28	32	31	37	34	50	0	0