Dime Community Bancshares, Inc. (DCOM)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$41.25+0.78%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · DCOM
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance dropped from the top half to the bottom half of its industry over the past month — the reason to own it has weakened.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 0.0% |
| Our one-year growth estimate | diamond | -14.6% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 14.7 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
DCOM — dividend update
Dated 2026-07-23
Other Events On July 23, 2026, the Registrant announced that its Board of Directors declared a quarterly cash dividend of $0.34375 per share on the Company’s 5.50% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series A, payable on August 14, 2026 to holders of record as of August 7, 2026. The text of the press release is attached as Exhibit 99.1 and is incorporated herein by reference. Exhibit 99.1 to this report is being “furnished” to the SEC and shall not be deemed “filed” for any p…
Why it matters: Changes in net interest margin show how well the bank manages loans and interest rates.
Watch forNet interest margin increases above 3.28% in Q3 2026.
Also watch forNet interest margin decreases below 3.21% in Q3 2026.
Why it matters: Strong revenue growth confirms management's expectations. It supports the growth story and shows the strategy works.
Supportive ifQ3 revenue growth exceeds 10% year-over-year.
Worry ifQ3 revenue growth is below 5% year-over-year.
Why it matters: Rebranding can attract new customers and improve market perception. It signals a new strategy.
Supportive ifSuccessful launch of the new brand with positive customer feedback.
Worry ifCustomers are giving negative feedback. They are confused about the new brand.
Why it matters: Regular dividends show that a company is doing well. They also show that the company cares about its shareholders.
Supportive ifQuarterly cash dividend is $0.25 or more.
Worry ifQuarterly cash dividend is less than $0.25.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$95 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $255 loss on $10,000 · 2.6% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,815 loss on $10,000 · 18.1% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Hiring key talent supports Dime's growth strategy. It shows they are building a strong team for future success.
Supportive ifAt least three more key hires announced in the next quarter.
Worry ifNo new key hires announced in the next quarter.
Why it matters: Starting share buybacks shows confidence in capital strength and profit. It shows a promise to give value back to shareholders.
Supportive ifManagement will start share repurchases in Q3 2026.
Worry ifNo announcement or action on share repurchases by the end of Q3 2026.
Why it matters: A lower efficiency ratio means better cost control. It shows the company makes money well.
Supportive ifEfficiency ratio drops below 50% in Q3 2026.
Worry ifEfficiency ratio stays above 55% in Q3 2026.
Why it matters: Hiring new talent is key to Dime's growth strategy. More hires can lead to better service and more business.
Supportive ifDime announces at least five new hires in key positions by the end of Q2 2026.
Worry ifFewer than five new hires are announced by the end of Q2 2026.
Why it matters: More deposits mean customers trust the company. This shows a strong position in the market.
Supportive ifTotal deposits growth reported above 7% YoY in Q3.
Worry ifTotal deposits growth reported below 7% YoY in Q3.
Why it matters: Gaining market share shows the company is executing its growth plan. This is key for future success.
Supportive ifManagement reports an increase in market share in the next earnings call.
Worry ifManagement states no change or a loss in market share.
Why it matters: Earnings results will show how well the company is doing and its growth path.
Watch forEarnings per share is over $0.79, showing strong results.
Also watch forEarnings per share falls below $0.75, suggesting weaker performance.
Why it matters: Growth in business loans helps revenue. It shows the growth plan is working.
Supportive ifBusiness loans grow more than $280 million linked quarter in Q3 2026.
Worry ifBusiness loans decline or grow less than $200 million linked quarter in Q3 2026.
Why it matters: Strong core deposit growth shows customer trust. It helps with lending.
Supportive ifCore deposits increase by more than $900 million year-over-year.
Worry ifCore deposit growth drops below $900 million compared to last year.
Why it matters: Steady revenue growth shows that management's plan is working. It also helps future profits.
Supportive ifQ3 revenue exceeds $126 million, maintaining growth from Q2 2026.
Worry ifQ3 revenue falls below $120 million, indicating a slowdown.