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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.09
DCOM's Cash to Debt is ranked lower than
95% of the 1639 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.98 vs. DCOM: 0.09 )
Ranked among companies with meaningful Cash to Debt only.
DCOM' s Cash to Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.07 Max: 0.75
Current: 0.09
0.02
0.75
Equity to Asset 0.10
DCOM's Equity to Asset is ranked lower than
51% of the 1660 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 Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.18
Current: 0.1
0.07
0.18
Interest Coverage 2.90
DCOM's Interest Coverage is ranked higher than
66% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. DCOM: 2.90 )
Ranked among companies with meaningful Interest Coverage only.
DCOM' s Interest Coverage Range Over the Past 10 Years
Min: 0.32  Med: 0.83 Max: 2.9
Current: 2.9
0.32
2.9
F-Score: 5
M-Score: -1.72
WACC vs ROIC
4.07%
5.52%
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 (%) 66.76
DCOM's Operating margin (%) is ranked higher than
96% of the 1678 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.78 vs. DCOM: 66.76 )
Ranked among companies with meaningful Operating margin (%) only.
DCOM' s Operating margin (%) Range Over the Past 10 Years
Min: 35.28  Med: 51.64 Max: 66.76
Current: 66.76
35.28
66.76
Net-margin (%) 38.68
DCOM's Net-margin (%) is ranked higher than
83% of the 1677 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.15 vs. DCOM: 38.68 )
Ranked among companies with meaningful Net-margin (%) only.
DCOM' s Net-margin (%) Range Over the Past 10 Years
Min: 24.06  Med: 31.09 Max: 38.68
Current: 38.68
24.06
38.68
ROE (%) 15.83
DCOM's ROE (%) is ranked higher than
84% of the 1675 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.39 vs. DCOM: 15.83 )
Ranked among companies with meaningful ROE (%) only.
DCOM' s ROE (%) Range Over the Past 10 Years
Min: 8.02  Med: 10.38 Max: 15.83
Current: 15.83
8.02
15.83
ROA (%) 1.55
DCOM's ROA (%) is ranked higher than
80% of the 1683 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. DCOM: 1.55 )
Ranked among companies with meaningful ROA (%) only.
DCOM' s ROA (%) Range Over the Past 10 Years
Min: 0.65  Med: 1 Max: 1.55
Current: 1.55
0.65
1.55
Revenue Growth (3Y)(%) -1.00
DCOM's Revenue Growth (3Y)(%) is ranked lower than
70% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. DCOM: -1.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
DCOM' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 2.1 Max: 30
Current: -1
0
30
EBITDA Growth (3Y)(%) 2.10
DCOM's EBITDA Growth (3Y)(%) is ranked lower than
62% of the 1253 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. DCOM: 2.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
DCOM' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 2.1 Max: 38.8
Current: 2.1
0
38.8
EPS Growth (3Y)(%) 1.70
DCOM's EPS Growth (3Y)(%) is ranked lower than
67% of the 1231 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. DCOM: 1.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
DCOM' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -19.4  Med: 8.4 Max: 56.9
Current: 1.7
-19.4
56.9
» DCOM's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-01-27)


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

» Details

Guru Trades

Q4 2015

DCOM Guru Trades in Q4 2015

Bernard Horn 228,300 sh (+43.40%)
Jim Simons 332,776 sh (+40.35%)
» More
Q1 2016

DCOM Guru Trades in Q1 2016

Jim Simons 393,100 sh (+18.13%)
Bernard Horn 228,300 sh (unchged)
» More
Q2 2016

DCOM Guru Trades in Q2 2016

Jim Simons 475,272 sh (+20.90%)
Bernard Horn 228,300 sh (unchged)
» More
Q3 2016

DCOM Guru Trades in Q3 2016

Jim Simons 539,472 sh (+13.51%)
» 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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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:FFIC, NAS:HMST, NAS:CASH, NAS:HONE, NAS:OCFC, NAS:LOB, NAS:UBNK, NAS:WSBF, NAS:EBSB, NAS:FDEF, NAS:BKMU, NAS:UCFC, NAS:CSBK, NYSE:BHLB, NAS:EBTC, NAS:BSF, OTCPK:BFCF, NAS:TBNK, NAS:BFIN, OTCPK:NASB » details
Dime Community Bancshares Inc operates as the holding company for The Dime Savings Bank of Williamsburgh. It provides financial services and loans for multifamily housing in the United States.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 8.59
DCOM's P/E(ttm) is ranked higher than
79% of the 1557 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.95 vs. DCOM: 8.59 )
Ranked among companies with meaningful P/E(ttm) only.
DCOM' s P/E(ttm) Range Over the Past 10 Years
Min: 7.19  Med: 13.19 Max: 27.29
Current: 8.59
7.19
27.29
PE(NRI) 8.59
DCOM's PE(NRI) is ranked higher than
79% of the 1539 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.98 vs. DCOM: 8.59 )
Ranked among companies with meaningful PE(NRI) only.
DCOM' s PE(NRI) Range Over the Past 10 Years
Min: 7.19  Med: 13.19 Max: 27.29
Current: 8.59
7.19
27.29
Price/Owner Earnings (ttm) 9.32
DCOM's Price/Owner Earnings (ttm) is ranked higher than
69% of the 883 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.78 vs. DCOM: 9.32 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
DCOM' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.35  Med: 11.33 Max: 6070
Current: 9.32
2.35
6070
P/B 1.30
DCOM's P/B is ranked lower than
60% of the 1662 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. DCOM: 1.30 )
Ranked among companies with meaningful P/B only.
DCOM' s P/B Range Over the Past 10 Years
Min: 0.91  Med: 1.38 Max: 2.48
Current: 1.3
0.91
2.48
P/S 3.33
DCOM's P/S is ranked higher than
50% of the 1645 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.21 vs. DCOM: 3.33 )
Ranked among companies with meaningful P/S only.
DCOM' s P/S Range Over the Past 10 Years
Min: 2.3  Med: 4.14 Max: 7.56
Current: 3.33
2.3
7.56
PFCF 136.01
DCOM's PFCF is ranked lower than
98% of the 826 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.19 vs. DCOM: 136.01 )
Ranked among companies with meaningful PFCF only.
DCOM' s PFCF Range Over the Past 10 Years
Min: 2.03  Med: 13.71 Max: 136.01
Current: 136.01
2.03
136.01
POCF 59.46
DCOM's POCF is ranked lower than
97% of the 925 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.51 vs. DCOM: 59.46 )
Ranked among companies with meaningful POCF only.
DCOM' s POCF Range Over the Past 10 Years
Min: 1.94  Med: 11.67 Max: 59.46
Current: 59.46
1.94
59.46
EV-to-EBIT 10.68
DCOM's EV-to-EBIT is ranked higher than
57% of the 1265 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.31 vs. DCOM: 10.68 )
Ranked among companies with meaningful EV-to-EBIT only.
DCOM' s EV-to-EBIT Range Over the Past 10 Years
Min: 9.7  Med: 21.3 Max: 38.4
Current: 10.68
9.7
38.4
EV-to-EBITDA 10.52
DCOM's EV-to-EBITDA is ranked higher than
53% of the 1263 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.92 vs. DCOM: 10.52 )
Ranked among companies with meaningful EV-to-EBITDA only.
DCOM' s EV-to-EBITDA Range Over the Past 10 Years
Min: 9.6  Med: 20.55 Max: 37.4
Current: 10.52
9.6
37.4
Shiller P/E 15.37
DCOM's Shiller P/E is ranked higher than
72% of the 502 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.35 vs. DCOM: 15.37 )
Ranked among companies with meaningful Shiller P/E only.
DCOM' s Shiller P/E Range Over the Past 10 Years
Min: 6.94  Med: 13.06 Max: 18.18
Current: 15.37
6.94
18.18

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.87
DCOM's Dividend Yield is ranked higher than
53% of the 2376 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.79 vs. DCOM: 2.87 )
Ranked among companies with meaningful Dividend Yield only.
DCOM' s Dividend Yield Range Over the Past 10 Years
Min: 2.8  Med: 3.88 Max: 7.54
Current: 2.87
2.8
7.54
Dividend Payout 0.25
DCOM's Dividend Payout is ranked higher than
65% of the 1294 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. DCOM: 0.25 )
Ranked among companies with meaningful Dividend Payout only.
DCOM' s Dividend Payout Range Over the Past 10 Years
Min: 0.1  Med: 0.42 Max: 1.56
Current: 0.25
0.1
1.56
Forward Dividend Yield 2.98
DCOM's Forward Dividend Yield is ranked higher than
50% of the 2299 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.98 vs. DCOM: 2.98 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.87
DCOM's Yield on cost (5-Year) is ranked lower than
58% of the 2629 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. DCOM: 2.87 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
DCOM' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.8  Med: 3.88 Max: 7.54
Current: 2.87
2.8
7.54
3-Year Average Share Buyback Ratio -1.50
DCOM's 3-Year Average Share Buyback Ratio is ranked higher than
53% of the 1061 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. DCOM: -1.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
DCOM' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -2  Med: 1.5 Max: 4.2
Current: -1.5
-2
4.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.47
DCOM's Price/Tangible Book is ranked lower than
61% of the 1660 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. DCOM: 1.47 )
Ranked among companies with meaningful Price/Tangible Book only.
DCOM' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.1  Med: 1.82 Max: 3.48
Current: 1.47
1.1
3.48
Price/Projected FCF 0.76
DCOM's Price/Projected FCF is ranked higher than
51% of the 872 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.74 vs. DCOM: 0.76 )
Ranked among companies with meaningful Price/Projected FCF only.
DCOM' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.4  Med: 0.71 Max: 1.42
Current: 0.76
0.4
1.42
Price/Median PS Value 0.80
DCOM's Price/Median PS Value is ranked higher than
86% of the 1450 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. DCOM: 0.80 )
Ranked among companies with meaningful Price/Median PS Value only.
DCOM' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.56  Med: 1.08 Max: 1.84
Current: 0.8
0.56
1.84
Price/Peter Lynch Fair Value 1.15
DCOM's Price/Peter Lynch Fair Value is ranked lower than
51% of the 381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. DCOM: 1.15 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
DCOM' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.4  Med: 0.87 Max: 4.49
Current: 1.15
0.4
4.49
Price/Graham Number 0.75
DCOM's Price/Graham Number is ranked higher than
66% of the 1404 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.92 vs. DCOM: 0.75 )
Ranked among companies with meaningful Price/Graham Number only.
DCOM' s Price/Graham Number Range Over the Past 10 Years
Min: 0.63  Med: 1.06 Max: 1.76
Current: 0.75
0.63
1.76
Earnings Yield (Greenblatt) (%) 9.34
DCOM's Earnings Yield (Greenblatt) (%) is ranked higher than
68% of the 1663 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. DCOM: 9.34 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
DCOM' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.6  Med: 4.7 Max: 10.3
Current: 9.34
2.6
10.3
Forward Rate of Return (Yacktman) (%) 13.43
DCOM's Forward Rate of Return (Yacktman) (%) is ranked higher than
55% of the 886 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.59 vs. DCOM: 13.43 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
DCOM' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -11.5  Med: 8.9 Max: 31
Current: 13.43
-11.5
31

More Statistics

Revenue (TTM) (Mil) $215.0
EPS (TTM) $ 2.26
Beta0.61
Short Percentage of Float2.33%
52-Week Range $15.61 - 19.50
Shares Outstanding (Mil)37.54
» More Articles for DCOM

Headlines

Articles On GuruFocus.com
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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