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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

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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

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» DIMC's 10-Y Financials

Financials


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

» Details

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Ratios

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P/S 2.50
DIMC's P/S is ranked lower than
55% of the 1835 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.24 vs. DIMC: 2.50 )
DIMC' s 10-Year P/S Range
Min: 0   Max: 2.5
Current: 2.5

0
2.5
EV-to-EBIT 7.20
DIMC's EV-to-EBIT is ranked lower than
52% of the 1835 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.40 vs. DIMC: 7.20 )
DIMC' s 10-Year EV-to-EBIT Range
Min: 0   Max: 0
Current: 7.2

Dividend & Buy Back

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Dividend Yield 3.80
DIMC's Dividend Yield is ranked higher than
77% of the 1397 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. DIMC: 3.80 )
DIMC' s 10-Year Dividend Yield Range
Min: 0   Max: 0
Current: 3.8

Dividend Payout 0.17
DIMC's Dividend Payout is ranked higher than
97% of the 1835 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. DIMC: 0.17 )
DIMC' s 10-Year Dividend Payout Range
Min: 0   Max: 0
Current: 0.17

Yield on cost (5-Year) 3.80
DIMC's Yield on cost (5-Year) is ranked lower than
91% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.65 vs. DIMC: 3.80 )
DIMC' s 10-Year Yield on cost (5-Year) Range
Min: 0   Max: 0
Current: 3.8

Valuation & Return

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Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Dimeco, Inc., a Pennsylvania corporation is a bank holding company for The Dime Bank. The Bank is a Pennsylvania-chartered commercial bank, which was originally organized in 1905. It provides a range of lending, depository and financial services to individuals and small to medium-sized businesses. The Bank's deposit services range from traditional time, demand, and savings deposit accounts to sophisticated cash management products, including electronic banking and commercial sweep accounts. Its lending services include secured and unsecured commercial, real estate and consumer loans. On December 31, 2012, the Company had total consolidated assets, deposits and stockholders' equity of approximately $604 million, $501 million and $60 million, respectively. The Bank conducts business from six branch offices, located in Honesdale, Hawley, Damascus, Greentown and Dingmans Ferry, Pennsylvania, as well as maintaining two off-site ATM machines each located in Honesdale and Hawley, Pennsylvania and an Operations Center in Honesdale, Pennsylvania. The Bank has a 100% owned subsidiary, TDB Insurance Services, LLC in order to offer title insurance services in conjunction with the Bank's lending function. The principal lending activity of the Bank is the origination of commercial real estate loans, residential mortgage loans, commercial and industrial loans, and to a lesser extent, installment loans, construction and development loans, home equity loans, and agricultural loans. The Company, as a bank holding company, is subject to examination, supervision, regulation, and periodic reporting under the Bank Holding Company Act of 1956, as amended, as administered by the Federal Reserve Board.
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