DIMC (Dimeco) E10: $4.97 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

DIMC Dimeco Inc DIMC
51 GF Score
Price $63.80
GF Value $51.25
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Dimeco E10?

Dimeco DIMC 51 E10 is $4.97 as of Jun. 2026. GuruFocus rates DIMC with a GF Score™ of 51/100 and a GF Value™ of $51.25 (Modestly Overvalued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Dimeco's adjusted earnings per share data for the three months ended in Jun. 2026 was $2.010. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $4.97 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Dimeco's average E10 Growth Rate was 14.30% per year. During the past 3 years, the average E10 Growth Rate was 6.60% per year. During the past 5 years, the average E10 Growth Rate was 8.90% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Dimeco was 11.50% per year. The lowest was 6.60% per year. And the median was 9.80% per year.

As of today (2026-09-09), Dimeco's current stock price is $63.80. Dimeco's E10 for the quarter that ended in Jun. 2026 was $4.97. Dimeco's Shiller PE Ratio of today is 12.84.

During the past 13 years, the highest Shiller PE Ratio of Dimeco was 13.68. The lowest was 8.35. And the median was 10.36.


Dimeco  (OTCPK:DIMC) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Dimeco's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=63.80/4.97
=12.84

* 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 Shiller P/E Ratio of Dimeco was 13.68. The lowest was 8.35. And the median was 10.36.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Dimeco E10 Related Terms


Dimeco E10 Historical Data

* Premium members only.

The historical data trend for Dimeco's E10 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.

Dimeco E10 Chart

Dimeco Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.33 3.76 3.94 4.14 4.56

Dimeco Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 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 4.35 4.48 4.56 4.78 4.97

DIMC vs MNAT, EMYB, TYCB: E10 Comparison

For the Banks - Regional subindustry, Dimeco's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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.


Dimeco Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Dimeco's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Dimeco's Shiller PE Ratio falls into.


DIMC
51GF Score
Dimeco Inc DIMC
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Dimeco E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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, Dimeco's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=2.01/333.9520*333.9520
=2.010

Current CPI (Jun. 2026) = 333.9520.

Dimeco Quarterly Data

per share eps CPI Adj_EPS
200912 0.500 215.949 0.773
201003 0.467 217.631 0.717
201006 0.493 217.965 0.755
201009 0.533 218.439 0.815
201012 0.667 219.179 1.016
201103 0.527 223.467 0.788
201106 0.693 225.722 1.025
201109 0.487 226.889 0.717
201112 0.500 225.672 0.740
201203 0.653 229.392 0.951
201206 0.700 229.478 1.019
201209 0.727 231.407 1.049
201212 0.667 229.601 0.970
201712 0.000 246.524 0.000
201812 0.000 251.233 0.000
201912 0.000 256.974 0.000
202009 1.050 260.280 1.347
202012 1.000 260.474 1.282
202103 1.040 264.877 1.311
202106 1.110 271.696 1.364
202109 1.360 274.310 1.656
202112 1.200 278.802 1.437
202203 1.260 287.504 1.464
202206 1.150 296.311 1.296
202209 1.300 296.808 1.463
202212 1.140 296.797 1.283
202303 0.990 301.836 1.095
202306 0.970 305.109 1.062
202309 0.880 307.789 0.955
202312 1.430 306.746 1.557
202403 0.930 312.332 0.994
202406 1.210 314.175 1.286
202409 1.530 315.301 1.621
202412 1.440 315.605 1.524
202503 1.280 319.799 1.337
202506 1.810 322.561 1.874
202509 1.910 324.800 1.964
202512 1.530 324.054 1.577
202603 1.890 330.213 1.911
202606 2.010 333.952 2.010

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $4.97 mean?
Dimeco (DIMC) has a E10 of $4.97 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Dimeco and its competitors.
Is Dimeco's E10 too high?
Dimeco's current E10 is $4.97. Overall, Dimeco has a GF Score™ of 51/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Dimeco's E10 compare to MNAT and EMYB?
Dimeco's E10 of $4.97 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Dimeco and its competitors. Dimeco's current E10 is $4.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dimeco stock overvalued right now?
Based on GuruFocus' analysis, Dimeco (DIMC) is currently considered Modestly Overvalued. The stock's GF Value™ is $51.25, compared to a current price of $63.80 — trading 24.5% above its estimated fair value. The current E10 is $4.97. Dimeco's overall GF Score™ is 51/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Dimeco (DIMC), the current E10 is $4.97 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 Dimeco (DIMC) Overvalued in 2026?

Based on GuruFocus' analysis, Dimeco stock appears to be overvalued. The current stock price of $63.80 is trading 24.5% above its estimated GF Value™ of $51.25. GuruFocus considers Dimeco to be Modestly Overvalued.

Key valuation signals for DIMC:

  • E10: $4.97
  • GF Value™: $51.25 vs. price of $63.80 (24.5% above fair value)
  • GF Score™: 51/100 with 5 warning signs

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


Dimeco Business Description

Address 820 Church Street, P.O Box 509, Honesdale, PA, USA, 18431
Dimeco Inc is a United States-based holding company. It provides banking and bank-related services that include interest earnings on residential real estate, commercial mortgages, commercial and consumer financing as well as interest earnings on investment securities. The Company along with its subsidiary provides deposit services including checking, savings, and certificate of deposit accounts and investment services.
51GF Score

Get the complete analysis for DIMC

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$63.80
Price
$51.25
GF Value