NYSE
DCOM
Last Price
US $41.28
KEY FIGURES
MKT CAP
$1.8B
EPS
TTM
$2.88
PEG
TTM
0.05x
P/E
TTM
15.20x
P/S
TTM
2.45x
YIELD
2.46%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
8.46%
Return on equity
ROIC: 5.16%
Valuation History
15.2X
Price to Earnings
EV/EBITDA: 2.4X
Cash flow
Profit margin
23.40%
(FY vs FY)
EBITDA Y/Y
22.02%
(FY vs FY)
Cash flow Y/Y
25.34%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $41.28
188.11%
Default assumptions
EBITDA Multiple
Fair Value
Market $41.28
70.01%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
Dime Community Bancshares, Inc. cash flow to debt ratio of 50.34% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.
Financial stability - Healthy cash flow growth.
Dime Community Bancshares, Inc.'s free cash flow has increased 96.59% from $92.80M last year to $182.44M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
Dime Community Bancshares, Inc.'s debt to equity ratio is 0.47, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
Dime Community Bancshares, Inc.'s debt has decreased relative to shareholder equity from 0.70 last year to 0.47 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
Dime Community Bancshares, Inc. has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Dime Community Bancshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Dime Community Bancshares, Inc.'s profit margin has increased (269.91%) in the last year from 4.50% to 16.65%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
Dime Community Bancshares, Inc.'s short-term liabilities of $12.84G exceed its short-term assets of $3.21G, signaling financial risk
Decreasing performance - ROA.
Dime Community Bancshares, Inc.'s return on assets of 0.83% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Dime Community Bancshares, Inc.'s return on equity of 8.46%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
Dime Community Bancshares, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Dime Community Bancshares, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Dime Community Bancshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Dime Community Bancshares, Inc. has a free cash flow yield of 10.19%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Dime Community Bancshares, Inc.'s yearly earnings has increased 280.56% since last year from $29.08M to $110.68M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Dime Community Bancshares, Inc.'s yearly revenue has increased 13.03% since last year from $646.19M to $730.38M, signaling increasing performance
Increasing performance - ROIC.
ROIC 5.16% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.
Increasing performance - 3-year revenue CAGR.
Dime Community Bancshares, Inc.'s 3-year revenue CAGR of 15.23% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Dime Community Bancshares, Inc. had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Dime Community Bancshares, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
Dime Community Bancshares, Inc. is undervalued relative to its fair value price of 118.93 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Dime Community Bancshares, Inc. has an earnings yield of 7.08%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Undervalued - EBITDA valuation.
Dime Community Bancshares, Inc. is undervalued relative to its fair value price of 70.18 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Dime Community Bancshares, Inc. has an EV/EBITDA ratio of 2.41x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Dime Community Bancshares, Inc. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Dime Community Bancshares, Inc. has a price-to-book ratio of 1.17x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Dime Community Bancshares, Inc. has a price-to-sales ratio of 2.41x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue