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Dime Commercial BancsharesDCOM +0.95%61 EV-to-FCF is 3.12 as of Aug. 20, 2026, which is 85% below its 10-year median of 20.56. GuruFocus rates DCOM with a GF Score™ of 61/100 and a GF Value™ of $36.44 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,181 Banks companies, Dime Commercial Bancshares ranks better than 68.33% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Dime Commercial Bancshares's Enterprise Value is $617.3 Mil.
Dime Commercial Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was $197.6 Mil. Therefore, Dime Commercial Bancshares's EV-to-FCF for today is 3.12.
The historical rank and industry rank for Dime Commercial Bancshares's EV-to-FCF or its related term are showing as below:
DCOM'
s EV-to-FCF Range Over the Past 10 Years
Min: -48.06 Med: 20.56 Max: 191.74
Current: 3.12
During the past 13 years, the highest EV-to-FCF of Dime Commercial Bancshares was 191.74. The lowest was -48.06. And the median was 20.56.
DCOM's EV-to-FCF is ranked better than 68.33% of 1181
companies
in the Banks industry
Industry Median: 7.08
vs DCOM: 3.12
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Dime Commercial Bancshares's PE Ratio (TTM) for today is calculated as:
Dime Commercial Bancshares's share price for today is $40.30.
Dime Commercial Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.770.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Dime Commercial Bancshares EV-to-FCF Related Terms
Dime Commercial Bancshares EV-to-FCF Historical Data
* 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.
For the Banks - Regional subindustry, Dime Commercial Bancshares's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Dime Commercial Bancshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Dime Commercial Bancshares's EV-to-FCF falls into.
Dime Commercial Bancshares's current Enterprise Value is $617.3 Mil.
Dime Commercial Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $197.6 Mil.
* 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 (DCOM) has a EV-to-FCF of 3.12 as of Aug. 20, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Dime Commercial Bancshares and its competitors. This is 85% below median its historical median of 20.56. According to the industry distribution chart, Dime Commercial Bancshares ranks #374 out of 1181 companies in the Banks industry, placing it in the top 31.7%.
Is Dime Commercial Bancshares' EV-to-FCF too high?
Dime Commercial Bancshares' current EV-to-FCF of 3.12 is 85% below median its 10-year median of 20.56. The Banks industry median EV-to-FCF is 7.08. Dime Commercial Bancshares' value of 3.12 is 55.9% below this industry median. Based on the distribution chart, Dime Commercial Bancshares ranks #374 out of 1181 companies in the Banks industry, which is above the industry midpoint. Overall, Dime Commercial Bancshares has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Dime Commercial Bancshares' EV-to-FCF compare to BY and HOPE?
According to the Banks industry distribution chart, Dime Commercial Bancshares ranks #374 out of 1181 companies for EV-to-FCF. This puts Dime Commercial Bancshares in the upper half of its industry. The industry median EV-to-FCF is 7.08. Dime Commercial Bancshares' value of 3.12 is 55.9% below this benchmark. While the company's 10-year median is 20.56 vs. the industry median of 7.08, Dime Commercial Bancshares has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.08, based on 1,181 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Dime Commercial Bancshares's current EV-to-FCF of 3.12 is 55.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Dime Commercial Bancshares and its competitors. For the Banks industry, the median EV-to-FCF is 7.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dime Commercial Bancshares's current EV-to-FCF is 3.12, which is 85% below median its own 10-year median of 20.56. 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 $36.44, compared to a current price of $40.30 — trading 10.6% above its estimated fair value. The current EV-to-FCF is 3.12, which is 85% below median its 10-year median of 20.56 and 55.9% below the Banks industry median of 7.08. Dime Commercial Bancshares' overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Dime Commercial Bancshares (DCOM), the current EV-to-FCF is 3.12 as of Aug. 20, 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 $40.30 is trading 10.6% above its estimated GF Value™ of $36.44.
GuruFocus considers Dime Commercial Bancshares to be Modestly Overvalued.
Key valuation signals for DCOM:
EV-to-FCF: 3.12 (85% below median its 10-year median of 20.56)
GF Value™: $36.44 vs. price of $40.30 (10.6% above fair value)
Industry Position: 55.9% below the Banks median (#374 of 1181)
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 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.
61GF Score
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