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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.08
DCOM's Cash to Debt is ranked lower than
94% of the 973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.46 vs. DCOM: 0.08 )
Ranked among companies with meaningful Cash to Debt only.
DCOM' s 10-Year Cash to Debt Range
Min: 0.02   Max: N/A
Current: 0.08

Equity to Asset 0.10
DCOM's Equity to Asset is ranked higher than
50% of the 1283 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. DCOM: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
DCOM' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.18
Current: 0.1

0.07
0.18
Interest Coverage 1.54
DCOM's Interest Coverage is ranked lower than
52% of the 1196 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.68 vs. DCOM: 1.54 )
Ranked among companies with meaningful Interest Coverage only.
DCOM' s 10-Year Interest Coverage Range
Min: 0.32   Max: 1.55
Current: 1.54

0.32
1.55
F-Score: 3
Z-Score: 0.34
WACC vs ROIC
5.05%
3.15%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 57.51
DCOM's Operating margin (%) is ranked higher than
92% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.16 vs. DCOM: 57.51 )
Ranked among companies with meaningful Operating margin (%) only.
DCOM' s 10-Year Operating margin (%) Range
Min: 35.28   Max: 66.64
Current: 57.51

35.28
66.64
Net-margin (%) 34.41
DCOM's Net-margin (%) is ranked higher than
81% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.21 vs. DCOM: 34.41 )
Ranked among companies with meaningful Net-margin (%) only.
DCOM' s 10-Year Net-margin (%) Range
Min: 20.66   Max: 41.63
Current: 34.41

20.66
41.63
ROE (%) 10.12
DCOM's ROE (%) is ranked higher than
64% of the 1344 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.17 vs. DCOM: 10.12 )
Ranked among companies with meaningful ROE (%) only.
DCOM' s 10-Year ROE (%) Range
Min: 6.09   Max: 19.22
Current: 10.12

6.09
19.22
ROA (%) 1.04
DCOM's ROA (%) is ranked higher than
66% of the 1351 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. DCOM: 1.04 )
Ranked among companies with meaningful ROA (%) only.
DCOM' s 10-Year ROA (%) Range
Min: 0.65   Max: 1.77
Current: 1.04

0.65
1.77
ROC (Joel Greenblatt) (%) 302.37
DCOM's ROC (Joel Greenblatt) (%) is ranked higher than
85% of the 1333 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 75.43 vs. DCOM: 302.37 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
DCOM' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 11.22   Max: 445.79
Current: 302.37

11.22
445.79
Revenue Growth (3Y)(%) -5.20
DCOM's Revenue Growth (3Y)(%) is ranked lower than
77% of the 1133 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. DCOM: -5.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
DCOM' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 30.1
Current: -5.2

0
30.1
EBITDA Growth (3Y)(%) -4.10
DCOM's EBITDA Growth (3Y)(%) is ranked lower than
76% of the 986 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. DCOM: -4.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
DCOM' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 38.5
Current: -4.1

0
38.5
EPS Growth (3Y)(%) -4.20
DCOM's EPS Growth (3Y)(%) is ranked lower than
76% of the 1002 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.10 vs. DCOM: -4.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
DCOM' s 10-Year EPS Growth (3Y)(%) Range
Min: -19.4   Max: 49.4
Current: -4.2

-19.4
49.4
» DCOM's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

DCOM Guru Trades in Q2 2014

Bernard Horn 159,200 sh (+224.14%)
Jim Simons 66,955 sh (+194.96%)
» More
Q3 2014

DCOM Guru Trades in Q3 2014

Paul Tudor Jones 10,001 sh (New)
Jim Simons 67,873 sh (+1.37%)
Bernard Horn 159,200 sh (unchged)
» More
Q4 2014

DCOM Guru Trades in Q4 2014

Bernard Horn 159,200 sh (unchged)
Paul Tudor Jones Sold Out
Jim Simons 48,972 sh (-27.85%)
» More
Q1 2015

DCOM Guru Trades in Q1 2015

Paul Tudor Jones 11,440 sh (New)
Bernard Horn 159,200 sh (unchged)
Jim Simons 48,200 sh (-1.58%)
» More
» Details

Insider Trades

Latest Guru Trades with DCOM

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 12.90
DCOM's P/E(ttm) is ranked higher than
58% of the 1418 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.10 vs. DCOM: 12.90 )
Ranked among companies with meaningful P/E(ttm) only.
DCOM' s 10-Year P/E(ttm) Range
Min: 7.56   Max: 27.37
Current: 12.9

7.56
27.37
Forward P/E 11.49
DCOM's Forward P/E is ranked higher than
56% of the 1312 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.14 vs. DCOM: 11.49 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.70
DCOM's PE(NRI) is ranked higher than
60% of the 1209 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.10 vs. DCOM: 12.70 )
Ranked among companies with meaningful PE(NRI) only.
DCOM' s 10-Year PE(NRI) Range
Min: 7.54   Max: 27.29
Current: 12.7

7.54
27.29
P/B 1.30
DCOM's P/B is ranked lower than
63% of the 1629 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. DCOM: 1.30 )
Ranked among companies with meaningful P/B only.
DCOM' s 10-Year P/B Range
Min: 0.91   Max: 2.48
Current: 1.3

0.91
2.48
P/S 4.43
DCOM's P/S is ranked lower than
78% of the 2101 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.90 vs. DCOM: 4.43 )
Ranked among companies with meaningful P/S only.
DCOM' s 10-Year P/S Range
Min: 2.3   Max: 7.5
Current: 4.43

2.3
7.5
PFCF 26.20
DCOM's PFCF is ranked lower than
84% of the 1116 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.70 vs. DCOM: 26.20 )
Ranked among companies with meaningful PFCF only.
DCOM' s 10-Year PFCF Range
Min: 2.03   Max: 69.96
Current: 26.2

2.03
69.96
POCF 13.28
DCOM's POCF is ranked lower than
70% of the 960 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.38 vs. DCOM: 13.28 )
Ranked among companies with meaningful POCF only.
DCOM' s 10-Year POCF Range
Min: 1.94   Max: 44.85
Current: 13.28

1.94
44.85
EV-to-EBIT 20.41
DCOM's EV-to-EBIT is ranked lower than
70% of the 1370 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.35 vs. DCOM: 20.41 )
Ranked among companies with meaningful EV-to-EBIT only.
DCOM' s 10-Year EV-to-EBIT Range
Min: 14.2   Max: 38.4
Current: 20.41

14.2
38.4
PEG 1.72
DCOM's PEG is ranked lower than
69% of the 513 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. DCOM: 1.72 )
Ranked among companies with meaningful PEG only.
DCOM' s 10-Year PEG Range
Min: 0.42   Max: 101.77
Current: 1.72

0.42
101.77
Shiller P/E 13.00
DCOM's Shiller P/E is ranked higher than
72% of the 1028 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.00 vs. DCOM: 13.00 )
Ranked among companies with meaningful Shiller P/E only.
DCOM' s 10-Year Shiller P/E Range
Min: 7.14   Max: 17.26
Current: 13

7.14
17.26

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.41
DCOM's Dividend Yield is ranked higher than
67% of the 2096 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.60 vs. DCOM: 3.41 )
Ranked among companies with meaningful Dividend Yield only.
DCOM' s 10-Year Dividend Yield Range
Min: 2.8   Max: 7.54
Current: 3.41

2.8
7.54
Dividend Payout 0.44
DCOM's Dividend Payout is ranked lower than
67% of the 1297 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.32 vs. DCOM: 0.44 )
Ranked among companies with meaningful Dividend Payout only.
DCOM' s 10-Year Dividend Payout Range
Min: 0.11   Max: 1.56
Current: 0.44

0.11
1.56
Yield on cost (5-Year) 3.40
DCOM's Yield on cost (5-Year) is ranked higher than
58% of the 2101 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.00 vs. DCOM: 3.40 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
DCOM' s 10-Year Yield on cost (5-Year) Range
Min: 2.8   Max: 7.54
Current: 3.4

2.8
7.54
Share Buyback Rate -2.20
DCOM's Share Buyback Rate is ranked lower than
56% of the 917 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.40 vs. DCOM: -2.20 )
Ranked among companies with meaningful Share Buyback Rate only.
DCOM' s 10-Year Share Buyback Rate Range
Min: 0   Max: -12.8
Current: -2.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.50
DCOM's Price/Tangible Book is ranked lower than
62% of the 1632 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. DCOM: 1.50 )
Ranked among companies with meaningful Price/Tangible Book only.
DCOM' s 10-Year Price/Tangible Book Range
Min: 0.92   Max: 3.55
Current: 1.5

0.92
3.55
Price/DCF (Projected) 0.70
DCOM's Price/DCF (Projected) is ranked higher than
52% of the 954 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.70 vs. DCOM: 0.70 )
Ranked among companies with meaningful Price/DCF (Projected) only.
DCOM' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 1.38
Current: 0.7

0.4
1.38
Price/Median PS Value 1.00
DCOM's Price/Median PS Value is ranked higher than
70% of the 1605 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. DCOM: 1.00 )
Ranked among companies with meaningful Price/Median PS Value only.
DCOM' s 10-Year Price/Median PS Value Range
Min: 0.53   Max: 3.48
Current: 1

0.53
3.48
Price/Graham Number 0.90
DCOM's Price/Graham Number is ranked higher than
52% of the 1422 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. DCOM: 0.90 )
Ranked among companies with meaningful Price/Graham Number only.
DCOM' s 10-Year Price/Graham Number Range
Min: 0.64   Max: 1.79
Current: 0.9

0.64
1.79
Earnings Yield (Greenblatt) 4.90
DCOM's Earnings Yield (Greenblatt) is ranked lower than
64% of the 1502 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. DCOM: 4.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
DCOM' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.6   Max: 7.1
Current: 4.9

2.6
7.1
Forward Rate of Return (Yacktman) 9.07
DCOM's Forward Rate of Return (Yacktman) is ranked lower than
64% of the 761 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.69 vs. DCOM: 9.07 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
DCOM' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -12.3   Max: 31.6
Current: 9.07

-12.3
31.6

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Dime Community Bancshares Inc is a Delaware corporation. The Company is a unitary savings and loan holding company. It operates as a bank holding company for The Dime Savings Bank of Williamsburgh or The Bank. The Company operates under these segments; real estate loans; and consumer loans. Consumer loans represent a nominal portion of the Company's loan portfolio. Within these segments, the Bank analyzes the allowance based upon the underlying collateral type. The Bank accepts deposits from customers and invests them primarily in multifamily residential mortgage, commercial real estate, one- to four-family residential mortgage, construction and land acquisition, and consumer loans, mortgage-backed securities or MBS, obligations of the U.S. Government and Government Sponsored Entities GSE, and corporate debt and equity securities. Its primary sources of funds are deposits; loan amortization, prepayments and maturities; MBS amortization, prepayments and maturities; investment securities maturities and sales; advances from the Federal Home Loan Bank of New York or FHLBNY and borrowings in the form of securities sold under agreement to repurchase. The Bank has twenty-six retail banking offices located throughout the boroughs of Brooklyn, Queens, and the Bronx, and in Nassau County, New York. The Bank originates primarily low loan-to-value, non-recourse loans on multifamily and commercial real estate properties to limited liability companies and corporations. The majority of the Bank's lending activities consist of originating adjustable- and fixed-rate multifamily residential and commercial real estate loans. The Bank's market area has generally provided a stable flow of new and refinanced multifamily residential and mixed-use loan originations. In order to address the credit risk associated with multifamily residential and mixed use lending, the Bank has developed underwriting standards that it believes are reliable in order to maintain consistent credit quality for its loans.
» More Articles for DCOM

Headlines

Articles On GuruFocus.com
Dime Community Bancshares Declares Quarterly Cash Dividend Oct 23 2014 
Dime Community Bancshares to Release Earnings on October 23, 2014 Oct 15 2014 
105-Year Old Value Investor Irving Kahn Buys NYT, C, NTE, Sells DCOM, NVS, CVX May 10 2011 
Dime Community Bancshares Inc. Reports Operating Results (10-K) Mar 14 2011 
Dime Community Bancshares Inc. Reports Operating Results (10-Q) Aug 09 2010 
Dime Community Bancshares Inc. Reports Operating Results (10-Q) May 10 2010 
Dime Community Bancshares Inc. Reports Operating Results (10-Q) Nov 09 2009 
Dime Community Bancshares Inc. Reports Operating Results (10-Q) Aug 10 2009 
Dime Community Bancshares Inc. (DCOM) PRESIDENT & COO Michael P Devine buys 5,000 Shares May 14 2009 

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