DCOM Financial Services

Dime Commercial Bancshares, Inc.

$42.22-1.08%

Price as of close on Nov 3, 2026 · Financials updated Nov 3, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 1.8B USD
Full-time employees: 902

Overall health

Drawback: less profitable than most peersless profitable than peers
About average: valuation

Ranks #295 of 791 banks & insurance companies (top 38%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Shareholders being diluted. Shares outstanding up 14% from December 2022 to July 2026.
Dime Commercial Bancshares had 14% more shares at July 2026 than at December 2022, mostly from issuing stock (for pay, acquisitions or fundraising). Each existing share now owns a smaller slice of the business.Dime Commercial Bancshares had 14% more shares at July 2026 than at December 2022, mostly from issuing stock. Each existing share now owns a smaller slice of the business.
Stock-based pay is a large cost. Stock pay was 39% of revenue in 2025.
Dime Commercial Bancshares paid employees $8M in stock in 2025, 39% of its $20M revenue. It doesn't use cash, so it flatters cash flow, but it is a real cost to shareholders through dilution.
Annual revenue rose 5 years in a row. Fiscal-year revenue rose from $9M in 2020 to $20M in 2025.
Dime Commercial Bancshares's fiscal-year revenue rose in each of the five years to 2025, from $9M to $20M.
Fast revenue growth. Revenue grew 31% in the 12 months to June 2026 vs the 12 months before, faster than 87% of peers, from a small base ($23M of revenue over 12 months).
Revenue grew 31% in the 12 months to June 2026 vs the 12 months before, faster than 87% of its peers.

StockQuotient Score

56/ 100

Oct 5 60 → Nov 4 56 (-4)

Valuation

Is the price right?

43/100

Moderate▲ 3 since Oct 27 close

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 40 → 43

Share price -0.7%+1
Company's reported figures updated+3
Peer companies moved-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Held back by:

▼ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield83.4%

SEC filings · latest balance sheetReported value40% base weight · Z-score 0.14Sector median: 0.7950 · MAD: 0.2843

Earnings yield7.1%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score -0.33Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

95/100

Strong

1/1 inputs reported · High confidence

Since last quarter: ▲ Stronger

12-month revenue up 8.8%

Why

Stronger than most peers on:

▲ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth190.7%

SEC filings · 12 months to Jun 2026Outlier capped at sector 5th/95th percentile100% base weight · Z-score 7.87Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth11.5%

SEC filings · 3 years to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth30.5%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

31/100

Weak▼ 1 since Oct 27 close

2/2 inputs reported · High confidence

Since last quarter: No major change

Why it changed since the Oct 27, 2026 close: Score 32 → 31

Peer companies moved-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Weaker than most peers on:

▼ ROE
▼ ROA

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets0.9%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -0.51Sector median: 0.0117 · MAD: 0.0062

Return on equity8.5%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -0.58Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Dime Commercial Bancshares

Is Dime Commercial Bancshares getting weaker?: Its latest SEC filing (Jul 31, 2026) showed no major changes. Its overall score is unchanged at 56/100 since Oct 28, 2026.
How is Dime Commercial Bancshares valued vs its peers?: Priced about in line with its peers. Valuation scores 43/100 against 950 banks & insurance peers. Earnings yield 7.1% vs a peer median of 7.9% (weaker than 61% of peers).Earnings yield 7.1% vs peers 7.9% (weaker than 61% of peers).
Is Dime Commercial Bancshares growing?: Yes, faster than most of its peers. Growth scores 95/100 against 950 banks & insurance peers. Earnings per share growth 190.7% vs a peer median of 16.0% (stronger than 95% of peers).Earnings per share growth 190.7% vs peers 16.0% (stronger than 95% of peers).
How profitable is Dime Commercial Bancshares?: Less profitable than most of its peers. Profitability scores 31/100 against 950 banks & insurance peers. Return on equity 8.5% vs a peer median of 10.7% (weaker than 68% of peers).Return on equity 8.5% vs peers 10.7% (weaker than 68% of peers).
How risky is Dime Commercial Bancshares?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Jul 31, 2026 · compared with the quarter ended Mar 31, 2026

No major changes

	Previous quarter	Latest quarter	Change
Revenue (12 months)	21.0M USD	22.8M USD	+8.8%
Net income (12 months)	123.8M USD	128.9M USD	+4.1%
Cash	2.1B USD	1.9B USD	−6.1%
Shares outstanding	44.1M	44.2M	+0.1%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Net margin	650.1%	941.4%	584.6%	173.9%	556.0%	▲ 382 pts
Return on assets (ROA)	0.9%	1.2%	0.7%	0.2%	0.7%	▲ 0.5 pts
Return on equity (ROE)	8.7%	13.0%	7.8%	2.1%	7.5%	▲ 5.4 pts

DCOM price history

Price history is added with the daily price update and will appear after the next one.

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Sector leaderboards

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Bringing the fundamentals into focus…

Overall health

Drawback: less profitable than most peersless profitable than peers

About average: valuation

Ranks #295 of 791 banks & insurance companies (top 38%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Shareholders being diluted. Shares outstanding up 14% from December 2022 to July 2026.

Dime Commercial Bancshares had 14% more shares at July 2026 than at December 2022, mostly from issuing stock (for pay, acquisitions or fundraising). Each existing share now owns a smaller slice of the business.Dime Commercial Bancshares had 14% more shares at July 2026 than at December 2022, mostly from issuing stock. Each existing share now owns a smaller slice of the business.

Stock-based pay is a large cost. Stock pay was 39% of revenue in 2025.

Dime Commercial Bancshares paid employees $8M in stock in 2025, 39% of its $20M revenue. It doesn't use cash, so it flatters cash flow, but it is a real cost to shareholders through dilution.

Annual revenue rose 5 years in a row. Fiscal-year revenue rose from $9M in 2020 to $20M in 2025.

Dime Commercial Bancshares's fiscal-year revenue rose in each of the five years to 2025, from $9M to $20M.

Fast revenue growth. Revenue grew 31% in the 12 months to June 2026 vs the 12 months before, faster than 87% of peers, from a small base ($23M of revenue over 12 months).

Revenue grew 31% in the 12 months to June 2026 vs the 12 months before, faster than 87% of its peers.

Questions investors ask about Dime Commercial Bancshares

Is Dime Commercial Bancshares getting weaker?

Its latest SEC filing (Jul 31, 2026) showed no major changes. Its overall score is unchanged at 56/100 since Oct 28, 2026.

How is Dime Commercial Bancshares valued vs its peers?

Priced about in line with its peers. Valuation scores 43/100 against 950 banks & insurance peers. Earnings yield 7.1% vs a peer median of 7.9% (weaker than 61% of peers).Earnings yield 7.1% vs peers 7.9% (weaker than 61% of peers).

Is Dime Commercial Bancshares growing?

Yes, faster than most of its peers. Growth scores 95/100 against 950 banks & insurance peers. Earnings per share growth 190.7% vs a peer median of 16.0% (stronger than 95% of peers).Earnings per share growth 190.7% vs peers 16.0% (stronger than 95% of peers).

How profitable is Dime Commercial Bancshares?

Less profitable than most of its peers. Profitability scores 31/100 against 950 banks & insurance peers. Return on equity 8.5% vs a peer median of 10.7% (weaker than 68% of peers).Return on equity 8.5% vs peers 10.7% (weaker than 68% of peers).

How risky is Dime Commercial Bancshares?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Revenue (12 months)

21.0M USD

22.8M USD

+8.8%

Net income (12 months)

123.8M USD

128.9M USD

+4.1%

Cash

2.1B USD

1.9B USD

−6.1%

Shares outstanding

44.1M

44.2M

+0.1%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Net margin

650.1%

941.4%

584.6%

173.9%

556.0%

▲ 382 pts

Return on assets (ROA)

0.9%

1.2%

0.7%

0.2%

0.7%

▲ 0.5 pts

Return on equity (ROE)

8.7%

13.0%

7.8%

2.1%

7.5%

▲ 5.4 pts