Dime Commercial Bancshares, Inc (DCOM) Fair Value & Analysis

Financial Services · US · Market cap $1.7B

A solid business, but screening 31% overvalued on our models.

What matters now

• The price sits above even our optimistic bull case ($34.65). The favourable scenario is already priced in.
• Solid but not exceptional quality (54/100) and above fair value, neither a clear bargain nor a standout compounder.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.

How to read this chart

60‑month range $13.84 – $41.74 · fair‑value band $20.79 – $34.65 · the $40.32 price screens above the $27.73 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.

Full chart & analysis →

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Analysis

Dime Commercial Bancshares, Inc (DCOM) currently trades at $40.32, while our model-based Fair Value estimate is $27.73, implying the stock looks roughly 31.2% overvalued today. The Quality Score stands at 54/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, Dime Commercial Bancshares, Inc generated revenue of $427M at a net margin of 29.0%. Revenue grew 18.1% year over year. It earns a return on equity of 8.5%. The balance sheet holds a net cash position of $2.0B. Fundamentals as of Jul 26, 2026

Our scenario range runs from $20.79 (bear case) to $34.65 (bull case); at $40.32, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 1% below its 52-week high and 61% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -31%, DCOM screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($32.62) versus Dividend Discount ($14.56). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

Dime Commercial Bancshares, Inc. operates as the holding company for Dime Community Bank that engages in the provision of various commercial banking and financial services. It accepts time, savings, and demand deposits from the businesses, consumers, and local municipalities.

Full company description

Dime Commercial Bancshares, Inc. operates as the holding company for Dime Community Bank that engages in the provision of various commercial banking and financial services. It accepts time, savings, and demand deposits from the businesses, consumers, and local municipalities. The company offers commercial real estate loans; multi-family mortgage loans; residential mortgage loans; letters of credit; secured and unsecured commercial and consumer loans; lines of credit; home equity loans; and construction and land loans. In addition, it invests in Federal Home Loan Bank, Federal National Mortgage Association, Government National Mortgage Association, and Federal Home Loan Mortgage Corporation mortgage-backed securities, collateralized mortgage obligations, and other asset backed securities; U.S. Treasury securities; New York state and local municipal obligations; U.S. government-sponsored enterprise securities; and corporate bonds. Further, the company offers certificate of deposit account registry services and insured cash sweep programs; federal deposit insurance corporation insurance; merchant credit and debit card processing, automated teller machines, cash management services, lockbox processing, online banking services, remote deposit capture, safe deposit boxes, and individual retirement accounts; investment products and services through a third-party broker dealer; and title insurance broker services for small and medium sized businesses, and municipal and consumer relationships. The company was formerly known as Dime Community Bancshares, Inc. and changed its name to Dime Commercial Bancshares, Inc. in May 2026. Dime Commercial Bancshares, Inc. was founded in 1910 and is headquartered in Hauppauge, New York.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Dime Commercial Bancshares, Inc reported revenue of $730M in FY2025 versus $427M in FY2021, a compound +14.4%/yr. Reported net income was $111M in FY2025, compounding +1.6%/yr from FY2021.

DCOM screens 31% overvalued. Compare with PT Bank Central Asia Tbk →

Earlier news

External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.

• Dime Community Bancshares Announces Advance In Q2 Profit Nasdaq · Jul 24, 2026
• Dime Community Bancshares Q2 Earnings Call Highlights Yahoo Finance · Jul 23, 2026
• Dime Community (DCOM) Q2 Earnings and Revenues Beat Estimates Yahoo Finance · Jul 23, 2026
• Why This $1.8 Million Dime Insider Sale May Matter Less Than Its 67% EPS Growth Yahoo Finance · Jun 27, 2026

Peer Group

Banks - Regional · 1083 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0: the price sits above our fair-value range.

Insider activity: 44/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.