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Upturn AI SWOT - About
DCOM 
Dime Community Bancshares Inc (DCOM)
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Upturn Advisory Summary
04/01/2025: DCOM (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 37.94% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.22B USD | Price to earnings Ratio 50.69 | 1Y Target Price 40.2 |
Price to earnings Ratio 50.69 | 1Y Target Price 40.2 | ||
Volume (30-day avg) 272833 | Beta 1.14 | 52 Weeks Range 17.02 - 37.31 | Updated Date 04/1/2025 |
52 Weeks Range 17.02 - 37.31 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.59% | Basic EPS (TTM) 0.55 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 10.46% | Operating Margin (TTM) -28.08% |
Management Effectiveness
Return on Assets (TTM) 0.21% | Return on Equity (TTM) 2.22% |
Valuation
Trailing PE 50.69 | Forward PE 13 | Enterprise Value 1020804864 | Price to Sales(TTM) 4.38 |
Enterprise Value 1020804864 | Price to Sales(TTM) 4.38 | ||
Enterprise Value to Revenue 7.33 | Enterprise Value to EBITDA - | Shares Outstanding 43638400 | Shares Floating 41429837 |
Shares Outstanding 43638400 | Shares Floating 41429837 | ||
Percent Insiders 5.07 | Percent Institutions 87.08 |
Analyst Ratings
Rating 4.4 | Target Price 40.8 | Buy 1 | Strong Buy 3 |
Buy 1 | Strong Buy 3 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Dime Community Bancshares Inc
Company Overview
History and Background
Dime Community Bancshares, Inc. was founded in 1864 as Dime Savings Bank of Williamsburgh. It converted to a stock form in 1993 and subsequently became Dime Community Bancshares. Throughout its history, it has primarily focused on serving the New York metropolitan area, growing through organic expansion and strategic acquisitions.
Core Business Areas
- Commercial Lending: Provides loans to businesses for real estate, working capital, and other business purposes.
- Residential Lending: Offers mortgage loans to individuals for the purchase, refinance, or construction of residential properties.
- Retail Banking: Provides deposit accounts, including checking, savings, and money market accounts, to individuals and businesses.
- Wealth Management: Offers financial planning, investment management, and trust services.
Leadership and Structure
The leadership team includes Kenneth J. Mahon (Chairman), Stuart H. Lubow (President and CEO). The organizational structure includes various departments such as lending, retail banking, finance, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share is difficult to pinpoint precisely, but Dime focuses on the NYC metro area. Competitors include New York Community Bancorp (NYCB), Signature Bank (SBNY - now defunct, assets acquired by NYCB), and numerous regional and national banks. Revenue not publicly broken out.
- Residential Mortgage Loans: Mortgages for primary and secondary residences. Market share also localized to NYC metro area. Competitors include major national lenders like JPMorgan Chase (JPM) and Wells Fargo (WFC), as well as local credit unions and mortgage brokers. Revenue not publicly broken out.
- Small Business Loans (SBA): Loans guaranteed by the Small Business Administration. Market share relatively small, highly competitive. Competitors are regional and national banks with SBA lending programs, such as Bank of America (BAC) and M&T Bank (MTB). Revenue not publicly broken out.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges including rising interest rates, increased regulatory scrutiny, and technological disruption. The industry is competitive and consolidated.
Positioning
Dime Community Bancshares is positioned as a community-focused bank with a strong presence in the New York metropolitan area. Its competitive advantages include its local expertise and established relationships with customers.
Total Addressable Market (TAM)
The TAM for banking services in the NYC metro area is substantial, estimated in the hundreds of billions of dollars. Dime Community Bancshares holds a small but significant share of this TAM, focused on specific niches like commercial real estate.
Upturn SWOT Analysis
Strengths
- Strong presence in the New York metropolitan area
- Experienced management team
- Focus on relationship banking
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Reliance on commercial real estate lending
- Smaller size compared to larger competitors
- Sensitivity to interest rate changes
Opportunities
- Expansion into new markets within the New York metro area
- Increased focus on wealth management services
- Leveraging technology to improve efficiency and customer experience
- Acquisition opportunities of smaller banks or branches
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in the New York metropolitan area
- Rising interest rates impacting loan demand
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- NYCB
- MTB
- BAC
Competitive Landscape
Dime Community Bancshares faces competition from larger national banks and smaller regional banks. Its advantages include its local expertise and relationship-based approach. Its disadvantages include its smaller size and limited geographic diversification.
Major Acquisitions
Bridge Bancorp
- Year: 2021
- Acquisition Price (USD millions): 489
- Strategic Rationale: Expanded Dime's presence on Long Island and increased its scale.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Future growth depends on various factors including economic conditions, interest rates, and the company's ability to execute its strategic plan. Analyst estimates are not readily available without subscription-based services.
Recent Initiatives: Recent initiatives likely include technology upgrades, expansion of lending programs, and efforts to improve customer service.
Summary
Dime Community Bancshares is a regional bank focused on the New York metropolitan area. Its strengths lie in its local market expertise and relationship banking model. However, it faces challenges related to competition from larger banks, sensitivity to interest rates, and concentration in commercial real estate lending. Growth opportunities exist through market expansion and diversification of services.
Similar Companies
- NYCB
- MTB
- TCBI
- UCBI
- CUBI
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Financial news outlets
- Industry reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute investment advice. Market share percentages are estimates and may not reflect exact figures. Financial data is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Dime Community Bancshares Inc
Exchange NASDAQ | Headquaters Hauppauge, NY, United States | ||
IPO Launch date 1996-06-26 | CEO, President & Director Mr. Stuart H. Lubow | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 887 | Website https://www.dime.com |
Full time employees 887 | Website https://www.dime.com | ||
Dime Community Bancshares, Inc. operates as the holding company for Dime Community Bank that engages in the provision of various commercial banking and financial services. The company accepts time, savings, and demand deposits from the businesses, consumers, and local municipalities. It offers commercial real estate loans; multi-family mortgage loans; residential mortgage loans; letters of credit; secured and unsecured commercial and consumer loans; lines of credit; home equity loans; and construction and land loans. In addition, the company invests in Federal Home Loan Bank, Federal National Mortgage Association, Government National Mortgage Association, and Federal Home Loan Mortgage Corporation mortgage-backed securities, collateralized mortgage obligations, and other asset backed securities; U.S. Treasury securities; New York state and local municipal obligations; U.S. government-sponsored enterprise securities; and corporate bonds. Further, it offers certificate of deposit account registry services and insured cash sweep programs; federal deposit insurance corporation insurance; merchant credit and debit card processing, automated teller machines, cash management services, lockbox processing, online banking services, remote deposit capture, safe deposit boxes, and individual retirement accounts; investment products and services through a third-party broker dealer; and title insurance broker services for small and medium sized businesses, and municipal and consumer relationships. Dime Community Bancshares, Inc. was founded in 1910 and is headquartered in Hauppauge, New York.
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