Dime Community Bancshares, Inc. (DCOM) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Dime Community Bancshares, Inc. stock $26.71, price $42.21, that is 36.7% below the price, quality 63 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Dime Community Bancshares, Inc.
DCOM · USOur calculation puts a fair price 37% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $13.67 – $43.73 · fair‑value band $25.75 – $29.83 · the $42.21 price screens above the $26.71 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Company profile
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.
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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.
Stock analysis
Dime Community Bancshares, Inc. (DCOM) currently trades at $42.21, while our model-based Fair Value estimate is $26.71, 37% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $35.33 per share, and 0 of the 6 models we run sit above the $42.21 price.
Bear case: the Dividend Discount group reads lowest at $14.80, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $25.75 (bear) to $29.83 (bull), the price of $42.21 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 63/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Dime Community 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.
Key figures
Market cap $1.9B Small · P/E ratio 15.2 · P/S ratio 4.05 · EPS (TTM) $2.77 · Dividend yield 2.4% · Net margin 31.2% · Return on equity 9.6% · Return on assets (EBIT) 1.0% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 63 out of 100 (low confidence).
What moves the price
The share trades about 3% below its 52-week high and 68% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −37%, DCOM screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 7 officers or directors sold shares worth $15.1M and none bought.
- SaleBASSWOOD CAPITAL MANAGEMENT, L.L.C.Director7× since Jun 18, 2026: 173,432 shares, avg. $41.90$7.3MNov 3, 2026
- SaleJudy WuEVP General Counsel & Corp Sec2× since Dec 5, 2025: 1,382 shares, avg. $37.85$52,303Oct 28, 2026
- SaleMichael FeganChief Technology & Ops Officer2,355 shares at $41.81$98,463Oct 22, 2026
- SaleBASSWOOD OPPORTUNITY PARTNERS, L.P.Director2× since Jul 30, 2026: 132,795 shares, avg. $40.90$5.4MAug 13, 2026
- SaleRaymond A NielsenDirector2× since May 11, 2026: 3,450 shares, avg. $39.51$136,313Aug 6, 2026
- SaleBennett D LindenbaumDirector2× since Jan 30, 2026: 72,241 shares, avg. $37.58$2.7MJun 16, 2026
- SaleDennis A SuskindDirector10,000 shares at $38.88$388,750Jun 10, 2026
- SaleStuart H LubowPresident & CEO25,026 shares at $35.09$878,045Feb 13, 2026
Plus 7 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
DCOM screens overvalued: fair value 37% below the price. Compare with China Merchants Bank Co →
Earlier news
- Dime Commercial Bancshares (DCOM) Stock Looks Fairly Valued On Its 153% Run
- Dime Community (DCOM) Q3 Earnings and Revenues Top Estimates
- Dime Community (DCOM) to Report Q3 Results: Wall Street Expects Earnings Growth
Compare Dime Community Bancshares, Inc. with another stock
Price, fair value, quality and upside side by side.
Peer Groupⓘ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.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Fair value gap by industry
- Return on assets by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs DCOM |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs DCOM |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs DCOM |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs DCOM |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs DCOM |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs DCOM |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs DCOM |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs DCOM |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs DCOM |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs DCOM |
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