Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 (DCOMG)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
04/01/2025: DCOMG (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Analysis of Past Performance
Type Stock | Historic Profit 3.28% | Avg. Invested days 84 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 5375 | Beta - | 52 Weeks Range 24.00 - 26.64 | Updated Date 08/2/2024 |
52 Weeks Range 24.00 - 26.64 | Updated Date 08/2/2024 | ||
Dividends yield (FY) - | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin - | Operating Margin (TTM) - |
Management Effectiveness
Return on Assets (TTM) - | Return on Equity (TTM) - |
Valuation
Trailing PE - | Forward PE - | Enterprise Value - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating - |
Shares Outstanding - | Shares Floating - | ||
Percent Insiders - | Percent Institutions - |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034
Company Overview
History and Background
The notes were issued by Dime Community Bancshares, Inc. (DCOM). Dime was founded in 1864. It has grown through acquisitions and organic expansion, focusing on commercial and consumer banking in the New York metropolitan area.
Core Business Areas
- Commercial Banking: Offers loans, deposit accounts, and other financial services to businesses.
- Consumer Banking: Provides banking services to individuals, including checking and savings accounts, mortgages, and personal loans.
- Real Estate Lending: Focuses on lending for commercial and residential real estate projects.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. Dime operates with a traditional corporate structure, with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, catering to businesses and investors in the New York metro area. Market share data is difficult to ascertain precisely but estimated to be a portion of NYC commercial real estate lending market, which is highly competitive. Competitors include Signature Bank (SBNY) and New York Community Bancorp (NYCB) though Signature was acquired by NYCB.
- Residential Mortgages: Mortgage products for homebuyers. Competitors include large national banks and regional players.
- Business Lending: Loans to small and medium-sized businesses. Competitors include national banks and credit unions.
- Fixed-to-Floating Rate Subordinated Notes: Subordinated debt instruments issued by Dime Community Bancshares, Inc. The interest rate is initially fixed at 9.000% until a specified date and subsequently floats at a rate linked to an index such as SOFR plus a spread. These notes are often used to strengthen the bank's capital base.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive, with pressures from fintech companies and fluctuating interest rates.
Positioning
Dime positions itself as a relationship-focused community bank with a strong presence in the New York metropolitan area, emphasizing personalized service and local expertise.
Total Addressable Market (TAM)
The TAM for banking services in the New York metro area is substantial, encompassing trillions of dollars in assets. Dime holds a small but significant share of this market, with the opportunity to grow through strategic initiatives.
Upturn SWOT Analysis
Strengths
- Strong presence in the New York metropolitan area
- Experienced management team
- Focus on relationship banking
- Stable deposit base
- Strong credit quality
Weaknesses
- Geographic concentration
- Limited product diversification
- Reliance on commercial real estate lending
- Exposure to interest rate risk
- Smaller scale compared to larger banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growing demand for commercial real estate lending
- Strategic acquisitions
- Capitalizing on disruption from larger banks
Threats
- Economic downturn
- Increased competition from fintech companies
- Rising interest rates
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- New York Community Bancorp (NYCB)
- Signature Bank (SBNY)
- M&T Bank (MTB)
- Citigroup (C)
- JP Morgan Chase (JPM)
Competitive Landscape
Dime faces competition from larger national banks and smaller community banks. Its competitive advantages include its local expertise and relationship-focused approach.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Dime has grown through acquisitions and organic expansion.
Future Projections: Analysts' projections vary based on economic conditions and company-specific factors.
Recent Initiatives: Recent initiatives may include branch expansions, technology upgrades, and new product launches. Consult Dime's filings for details.
Summary
Dime Community Bancshares is a community-focused bank with a solid presence in the New York metropolitan area. Its strengths include a stable deposit base and experienced management, while weaknesses include its geographic concentration and smaller scale compared to larger banks. Dime needs to be watchful for interest rate risks and increasing competition from fintech companies, but the bank can capitalize on new markets with growing demand for commercial real estate lending.
Similar Companies
MTB
M&T Bank Corporation
MTB
M&T Bank Corporation
NYCB
New York Community Bancorp Inc
NYCB
New York Community Bancorp Inc
TCBI
Texas Capital Bancshares Inc
TCBI
Texas Capital Bancshares Inc
Sources and Disclaimers
Data Sources:
- Dime Community Bancshares Investor Relations
- SEC Filings
- Market Data Providers
- Industry Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute investment advice. Financial data is subject to change. Market share estimates are approximate. Investing in subordinated notes carries risks, including credit risk and interest rate risk.
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. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034
Exchange NASDAQ | Headquaters Hauppauge, NY, United States | ||
IPO Launch date 2024-07-02 | CEO, President & Director Mr. Stuart H. Lubow | ||
Sector - | Industry - | Full time employees 851 | Website https://www.dime.com |
Full time employees 851 | 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 also 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. The company was founded in 1910 and is headquartered in Hauppauge, New York.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.