DCOM (Dime Commercial Bancshares) Cyclically Adjusted FCF per Share: $3.47 (As of Jun. 2026)

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DCOM Dime Commercial Bancshares Inc DCOM
58 GF Score
Price $41.09
GF Value $36.46
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Dime Commercial Bancshares Cyclically Adjusted FCF per Share?

Dime Commercial Bancshares DCOM -1.06% 58 Cyclically Adjusted FCF per Share is $3.47 as of Jun. 2026. GuruFocus rates DCOM with a GF Score™ of 58/100 and a GF Value™ of $36.46 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Dime Commercial Bancshares's adjusted free cash flow per share for the three months ended in Jun. 2026 was $1.258. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $3.47 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Dime Commercial Bancshares's average Cyclically Adjusted FCF Growth Rate was 15.70% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 6.50% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 12.80% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 10.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Dime Commercial Bancshares was 16.90% per year. The lowest was -1.90% per year. And the median was 6.75% per year.

As of today (2026-08-07), Dime Commercial Bancshares's current stock price is $41.09. Dime Commercial Bancshares's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was $3.47. Dime Commercial Bancshares's Cyclically Adjusted Price-to-FCF of today is 11.84.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Dime Commercial Bancshares was 29.84. The lowest was 6.07. And the median was 14.52.


Dime Commercial Bancshares  (NYSE:DCOM) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Dime Commercial Bancshares's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=41.09/3.47
=11.84

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Dime Commercial Bancshares was 29.84. The lowest was 6.07. And the median was 14.52.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Dime Commercial Bancshares Cyclically Adjusted FCF per Share Related Terms


Dime Commercial Bancshares Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Dime Commercial Bancshares's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Dime Commercial Bancshares Cyclically Adjusted FCF per Share Chart

Dime Commercial Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.95 2.59 2.67 2.81 3.13

Dime Commercial Bancshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.00 3.05 3.13 3.27 3.47

DCOM vs BY, HOPE, OCFC: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Dime Commercial Bancshares's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Dime Commercial Bancshares Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Dime Commercial Bancshares's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Dime Commercial Bancshares's Cyclically Adjusted Price-to-FCF falls into.


DCOM
58GF Score
Dime Commercial Bancshares Inc DCOM
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Dime Commercial Bancshares Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Dime Commercial Bancshares's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=1.258/333.9520*333.9520
=1.258

Current CPI (Jun. 2026) = 333.9520.

Dime Commercial Bancshares Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 0.260 241.428 0.360
201612 0.373 241.432 0.516
201703 0.354 243.801 0.485
201706 -0.074 244.955 -0.101
201709 0.480 246.819 0.649
201712 0.148 246.524 0.200
201803 0.290 249.554 0.388
201806 0.383 251.989 0.508
201809 0.426 252.439 0.564
201812 0.523 251.233 0.695
201903 0.282 254.202 0.370
201906 0.429 256.143 0.559
201909 0.556 256.759 0.723
201912 0.607 256.974 0.789
202003 0.865 258.115 1.119
202006 0.132 257.797 0.171
202009 1.137 260.280 1.459
202012 0.588 260.474 0.754
202103 -0.260 264.877 -0.328
202106 1.626 271.696 1.999
202109 2.512 274.310 3.058
202112 -0.325 278.802 -0.389
202203 1.982 287.504 2.302
202206 1.757 296.311 1.980
202209 2.598 296.808 2.923
202212 1.222 296.797 1.375
202303 0.331 301.836 0.366
202306 0.774 305.109 0.847
202309 2.212 307.789 2.400
202312 -1.087 306.746 -1.183
202403 0.767 312.332 0.820
202406 0.276 314.175 0.293
202409 -0.889 315.301 -0.942
202412 2.132 315.605 2.256
202503 1.510 319.799 1.577
202506 0.487 322.561 0.504
202509 1.190 324.800 1.224
202512 1.054 324.054 1.086
202603 1.082 330.213 1.094
202606 1.258 333.952 1.258

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $3.47 mean?
Dime Commercial Bancshares (DCOM) has a Cyclically Adjusted FCF per Share of $3.47 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Dime Commercial Bancshares and its competitors.
Is Dime Commercial Bancshares' Cyclically Adjusted FCF per Share too high?
Dime Commercial Bancshares' current Cyclically Adjusted FCF per Share is $3.47. Overall, Dime Commercial Bancshares has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Dime Commercial Bancshares' Cyclically Adjusted FCF per Share compare to BY and HOPE?
Dime Commercial Bancshares' Cyclically Adjusted FCF per Share of $3.47 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Dime Commercial Bancshares and its competitors. Dime Commercial Bancshares's current Cyclically Adjusted FCF per Share is $3.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dime Commercial Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Dime Commercial Bancshares (DCOM) is currently considered Modestly Overvalued. The stock's GF Value™ is $36.46, compared to a current price of $41.09 — trading 12.7% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $3.47. Dime Commercial Bancshares' overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Dime Commercial Bancshares (DCOM), the current Cyclically Adjusted FCF per Share is $3.47 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Dime Commercial Bancshares (DCOM) Overvalued in 2026?

Based on GuruFocus' analysis, Dime Commercial Bancshares stock appears to be overvalued. The current stock price of $41.09 is trading 12.7% above its estimated GF Value™ of $36.46. GuruFocus considers Dime Commercial Bancshares to be Modestly Overvalued.

Key valuation signals for DCOM:

  • Cyclically Adjusted FCF per Share: $3.47
  • GF Value™: $36.46 vs. price of $41.09 (12.7% above fair value)
  • GF Score™: 58/100 with 6 warning signs

No single metric tells the full story. See the DCOM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Dime Commercial Bancshares Business Description

Other Exchanges DCOMp.PFD:USA
Address 898 Veterans Memorial Highway, Suite 560, Hauppauge, NY, USA, 11788
Dime Commercial Bancshares Inc is the holding company for Dime Commercial Bank, a New York State-chartered trust company with approximately $15 billion in assets and the number one deposit market share on Greater Long Island.
58GF Score

Get the complete analysis for DCOM

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$41.09
Price
$36.46
GF Value