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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 0.12
DCOM's Cash-to-Debt is ranked lower than
92% of the 1659 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. DCOM: 0.12 )
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: N/A
Current: 0.12
Equity-to-Asset 0.09
DCOM's Equity-to-Asset is ranked lower than
62% of the 1628 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. DCOM: 0.09 )
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: 0.09
0.07
0.18
Interest Coverage 1.20
DCOM's Interest Coverage is ranked lower than
60% of the 1586 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.72 vs. DCOM: 1.20 )
Ranked among companies with meaningful Interest Coverage only.
DCOM' s Interest Coverage Range Over the Past 10 Years
Min: 0.32  Med: 1.01 Max: 2.56
Current: 1.2
0.32
2.56
Beneish M-Score: -2.65
WACC vs ROIC
4.56%
2.41%
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 % 42.12
DCOM's Operating Margin % is ranked higher than
72% of the 1666 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.66 vs. DCOM: 42.12 )
Ranked among companies with meaningful Operating Margin % only.
DCOM' s Operating Margin % Range Over the Past 10 Years
Min: 35.28  Med: 51.89 Max: 60.83
Current: 42.12
35.28
60.83
Net Margin % 21.80
DCOM's Net Margin % is ranked lower than
53% of the 1667 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.77 vs. DCOM: 21.80 )
Ranked among companies with meaningful Net Margin % only.
DCOM' s Net Margin % Range Over the Past 10 Years
Min: 21.8  Med: 31.09 Max: 33.12
Current: 21.8
21.8
33.12
ROE % 6.02
DCOM's ROE % is ranked lower than
70% of the 1667 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.51 vs. DCOM: 6.02 )
Ranked among companies with meaningful ROE % only.
DCOM' s ROE % Range Over the Past 10 Years
Min: 6.02  Med: 10.38 Max: 13.72
Current: 6.02
6.02
13.72
ROA % 0.58
DCOM's ROA % is ranked lower than
71% of the 1672 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.91 vs. DCOM: 0.58 )
Ranked among companies with meaningful ROA % only.
DCOM' s ROA % Range Over the Past 10 Years
Min: 0.58  Med: 1.03 Max: 1.31
Current: 0.58
0.58
1.31
3-Year Revenue Growth Rate 15.70
DCOM's 3-Year Revenue Growth Rate is ranked higher than
86% of the 1400 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.30 vs. DCOM: 15.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
DCOM' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -9.1  Med: 11.15 Max: 37.5
Current: 15.7
-9.1
37.5
3-Year EBITDA Growth Rate 19.90
DCOM's 3-Year EBITDA Growth Rate is ranked higher than
80% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. DCOM: 19.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
DCOM' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -20.2  Med: 18.95 Max: 52
Current: 19.9
-20.2
52
3-Year EPS without NRI Growth Rate 17.00
DCOM's 3-Year EPS without NRI Growth Rate is ranked higher than
75% of the 1268 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. DCOM: 17.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
DCOM' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -19.4  Med: 11.2 Max: 56.9
Current: 17
-19.4
56.9
GuruFocus has detected 2 Warning Signs with Dime Community Bancshares Inc $DCOM.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» DCOM's 30-Y Financials

Financials (Next Earnings Date: 2017-07-27 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:HMST, NAS:HONE, NAS:FFIC, NAS:CASH, NAS:LOB, NAS:UBNK, NAS:OCFC, NAS:EBSB, NAS:WSBF, NAS:FDEF, NAS:EBTC, NAS:BKMU, NAS:UCFC, NAS:HIFS, NAS:BSF, NAS:CSBK, NAS:TBNK, NAS:HBCP, NAS:SMBC, OTCPK:NASB » details
Headquarter Location:USA
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
PE Ratio 21.54
DCOM's PE Ratio is ranked lower than
77% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.61 vs. DCOM: 21.54 )
Ranked among companies with meaningful PE Ratio only.
DCOM' s PE Ratio Range Over the Past 10 Years
Min: 7.19  Med: 13.05 Max: 27.29
Current: 21.54
7.19
27.29
PE Ratio without NRI 21.54
DCOM's PE Ratio without NRI is ranked lower than
77% of the 1551 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. DCOM: 21.54 )
Ranked among companies with meaningful PE Ratio without NRI only.
DCOM' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.19  Med: 13.05 Max: 27.29
Current: 21.54
7.19
27.29
Price-to-Owner-Earnings 55.85
DCOM's Price-to-Owner-Earnings is ranked lower than
94% of the 906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.97 vs. DCOM: 55.85 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
DCOM' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.35  Med: 11.46 Max: 6070
Current: 55.85
2.35
6070
PB Ratio 1.28
DCOM's PB Ratio is ranked lower than
54% of the 1629 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. DCOM: 1.28 )
Ranked among companies with meaningful PB Ratio only.
DCOM' s PB Ratio Range Over the Past 10 Years
Min: 0.91  Med: 1.36 Max: 2.48
Current: 1.28
0.91
2.48
PS Ratio 4.70
DCOM's PS Ratio is ranked lower than
71% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.37 vs. DCOM: 4.70 )
Ranked among companies with meaningful PS Ratio only.
DCOM' s PS Ratio Range Over the Past 10 Years
Min: 2.3  Med: 4.05 Max: 7.49
Current: 4.7
2.3
7.49
Price-to-Free-Cash-Flow 27.93
DCOM's Price-to-Free-Cash-Flow is ranked lower than
89% of the 880 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.48 vs. DCOM: 27.93 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
DCOM' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.03  Med: 12.66 Max: 68.32
Current: 27.93
2.03
68.32
Price-to-Operating-Cash-Flow 24.26
DCOM's Price-to-Operating-Cash-Flow is ranked lower than
89% of the 959 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.18 vs. DCOM: 24.26 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
DCOM' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.94  Med: 11.84 Max: 58.74
Current: 24.26
1.94
58.74
EV-to-EBIT 21.75
DCOM's EV-to-EBIT is ranked lower than
75% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.20 vs. DCOM: 21.75 )
Ranked among companies with meaningful EV-to-EBIT only.
DCOM' s EV-to-EBIT Range Over the Past 10 Years
Min: 9.7  Med: 21.4 Max: 38.4
Current: 21.75
9.7
38.4
EV-to-EBITDA 20.90
DCOM's EV-to-EBITDA is ranked lower than
78% of the 1277 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.93 vs. DCOM: 20.90 )
Ranked among companies with meaningful EV-to-EBITDA only.
DCOM' s EV-to-EBITDA Range Over the Past 10 Years
Min: 9.6  Med: 20.6 Max: 37.4
Current: 20.9
9.6
37.4
PEG Ratio 3.10
DCOM's PEG Ratio is ranked lower than
76% of the 853 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.41 vs. DCOM: 3.10 )
Ranked among companies with meaningful PEG Ratio only.
DCOM' s PEG Ratio Range Over the Past 10 Years
Min: 0.45  Med: 1.1 Max: 133.3
Current: 3.1
0.45
133.3
Shiller PE Ratio 15.35
DCOM's Shiller PE Ratio is ranked higher than
72% of the 510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.16 vs. DCOM: 15.35 )
Ranked among companies with meaningful Shiller PE Ratio only.
DCOM' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.94  Med: 13.37 Max: 18.02
Current: 15.35
6.94
18.02

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.87
DCOM's Dividend Yield % is ranked higher than
55% of the 2337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.66 vs. DCOM: 2.87 )
Ranked among companies with meaningful Dividend Yield % only.
DCOM' s Dividend Yield % Range Over the Past 10 Years
Min: 2.55  Med: 3.84 Max: 7.54
Current: 2.87
2.55
7.54
Dividend Payout Ratio 0.62
DCOM's Dividend Payout Ratio is ranked lower than
84% of the 1342 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.32 vs. DCOM: 0.62 )
Ranked among companies with meaningful Dividend Payout Ratio only.
DCOM' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.28  Med: 0.46 Max: 0.84
Current: 0.62
0.28
0.84
Forward Dividend Yield % 2.89
DCOM's Forward Dividend Yield % is ranked higher than
51% of the 2234 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.88 vs. DCOM: 2.89 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.87
DCOM's 5-Year Yield-on-Cost % is ranked lower than
58% of the 2672 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.41 vs. DCOM: 2.87 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
DCOM' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.55  Med: 3.84 Max: 7.54
Current: 2.87
2.55
7.54
3-Year Average Share Buyback Ratio -0.70
DCOM's 3-Year Average Share Buyback Ratio is ranked higher than
62% of the 1086 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. DCOM: -0.70 )
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: 1.25 Max: 4.2
Current: -0.7
-2
4.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.42
DCOM's Price-to-Tangible-Book is ranked lower than
56% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. DCOM: 1.42 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
DCOM' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.92  Med: 1.75 Max: 3.48
Current: 1.42
0.92
3.48
Price-to-Intrinsic-Value-Projected-FCF 0.79
DCOM's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
50% of the 916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. DCOM: 0.79 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
DCOM' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.4  Med: 0.72 Max: 2.26
Current: 0.79
0.4
2.26
Price-to-Intrinsic-Value-DCF (Earnings Based) 1.66
DCOM's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
90% of the 145 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. DCOM: 1.66 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.16
DCOM's Price-to-Median-PS-Value is ranked higher than
50% of the 1561 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. DCOM: 1.16 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
DCOM' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.57  Med: 1.11 Max: 3.77
Current: 1.16
0.57
3.77
Price-to-Peter-Lynch-Fair-Value 2.56
DCOM's Price-to-Peter-Lynch-Fair-Value is ranked lower than
83% of the 464 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. DCOM: 2.56 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
DCOM' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.4  Med: 0.99 Max: 4.49
Current: 2.56
0.4
4.49
Price-to-Graham-Number 1.17
DCOM's Price-to-Graham-Number is ranked lower than
65% of the 1460 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.94 vs. DCOM: 1.17 )
Ranked among companies with meaningful Price-to-Graham-Number only.
DCOM' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.63  Med: 1.08 Max: 1.97
Current: 1.17
0.63
1.97
Earnings Yield (Greenblatt) % 4.58
DCOM's Earnings Yield (Greenblatt) % is ranked lower than
57% of the 1671 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.85 vs. DCOM: 4.58 )
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: 4.58
2.6
10.3
Forward Rate of Return (Yacktman) % 15.58
DCOM's Forward Rate of Return (Yacktman) % is ranked higher than
62% of the 955 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.14 vs. DCOM: 15.58 )
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: -11.3  Med: 10.3 Max: 30.8
Current: 15.58
-11.3
30.8

More Statistics

Revenue (TTM) (Mil) $154.31
EPS (TTM) $ 0.91
Beta0.77
Short Percentage of Float2.35%
52-Week Range $16.10 - 22.48
Shares Outstanding (Mil)37.63
» More Articles for DCOM

Headlines

Articles On GuruFocus.com
Dime Community Bancshares, Inc. Completes $115 Million Subordinated Debt Offering Jun 13 2017 
Dime Community Bancshares, Inc. Announces the Pricing of $115 Million Subordinated Debt Offering Jun 08 2017 
Dime Community Bank announces resignation of Chief Retail Officer Jun 07 2017 
Dime Community Bancshares, Inc. to Participate in the Piper Jaffray Financial Institutions Conferenc May 02 2017 
Dime Community Bancshares Announces Retirement of Michael Pucella Apr 27 2017 
Dime Community Bancshares Declares Quarterly Cash Dividend Apr 27 2017 
Dime Community Bank to Host Ribbon Cutting at New Corporate Headquarters Apr 21 2017 
Dime Community Bank Announces the Appointment of New Head of Corporate Development & Treasurer Apr 17 2017 
Dime Community Bancshares Ranked #3 Nationally Among Public Thrifts Apr 14 2017 
Dime Community Bancshares to Release Earnings on April 27, 2017 Apr 07 2017 

More From Other Websites
Dime Community Bancshares, Inc. Completes $115 Million Subordinated Debt Offering Jun 13 2017
Dime Community Bancshares, Inc. breached its 50 day moving average in a Bullish Manner : DCOM-US :... Jun 12 2017
Dime Community Bancshares, Inc. Announces the Pricing of $115 Million Subordinated Debt Offering Jun 08 2017
Dime Community Bank announces resignation of Chief Retail Officer Jun 07 2017
ETFs with exposure to Dime Community Bancshares, Inc. : May 31, 2017 May 31 2017
Dime Community Bancshares, Inc. :DCOM-US: Earnings Analysis: Q1, 2017 By the Numbers : May 30, 2017 May 30 2017
Dime Community Bank to Open New Full-Service Branch in Melville May 19 2017
Dime Community Bank Announces the Appointment of New Head of SBA Lending May 18 2017
Dime Community Bancshares, Inc. breached its 50 day moving average in a Bearish Manner : DCOM-US :... May 12 2017
Dime Community Bancshares, Inc. : DCOM-US: Dividend Analysis : May 08th, 2017 (record date) : By the... May 04 2017
Dime Community Bancshares, Inc. to Participate in the Piper Jaffray Financial Institutions... May 02 2017
Dime Community Bancshares Announces Retirement of Michael Pucella Apr 27 2017
Dime Community Bancshares Declares Quarterly Cash Dividend Apr 27 2017
Dime posts 1Q profit Apr 27 2017
Dime Community Bancshares, Inc. Reports Earnings Apr 27 2017
Dime Community Bancshares, Inc. breached its 50 day moving average in a Bullish Manner : DCOM-US :... Apr 25 2017
Dime Community Bank to Host Ribbon Cutting at New Corporate Headquarters Apr 21 2017
Dime Community Bank Announces the Appointment of New Head of Corporate Development & Treasurer Apr 17 2017
Dime Community Bancshares Ranked #3 Nationally Among Public Thrifts Apr 14 2017
Dime Community Bancshares to Release Earnings on April 27, 2017 Apr 07 2017

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