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DIME COMMERCIAL BANCSHARES INC (DCOM)

Financials · Regional Banks · NYSE

A regional community banking institution serving the New York metropolitan area with a focus on commercial and retail lending and deposit services.

What DIME COMMERCIAL BANCSHARES INC does

Dime Community Bancshares, Inc. is a bank holding company that operates through its subsidiary, Dime Community Bank. The company provides a range of commercial and retail banking products and services, including deposit accounts, commercial real estate loans, and business lending, primarily serving the New York metropolitan area.

Themes: commercial banking, retail banking, commercial real estate lending

Fundamentals

  • Price$40.43 as of 2026-08-21 close
  • Market cap$1.8B as of 2026-08-21
  • 1-year return+42.5% 2025-08-21 close $28.37 → 2026-08-21 close $40.43
  • P/E16.44 as of 2026-08-24
  • Net margin+31.9% as of 2026-08-24
  • ROE+7.7% as of 2026-08-24
  • Debt / equity0.18 as of 2026-08-24
  • Revenue growth (YoY)+42.9% as of 2026-08-24
  • Revenue CAGR (3y)+7.1% SEC XBRL
  • Beta1.01 as of 2026-08-24
  • Last reported earnings2026-07-23 SEC EDGAR Form 8-K (Item 2.02)

Dividend: yield +4.9%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.

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How DCOM compares in its sector

  • price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
  • net profit margintop 25% 538 covered Financials peers, as of 2026-08-24
  • operating margintop 25% 534 covered Financials peers, as of 2026-08-24
  • return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
  • 3-year revenue CAGRmiddle range 347 covered Financials peers
  • indicated dividend yieldtop 25% 453 covered Financials peers, as of 2026-08-24

Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.

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Dividend coverage (FY2025)

Covered by reported results. In FY2025, DCOM's dividend was covered by reported results (earnings payout 39%, operating-cash-flow payout 23%). This describes past coverage, not a forecast.

  • Earnings payout39% dividends / net income
  • Operating-cash-flow payout23% dividends / operating cash flow — capital spending was not reported, so this does not subtract it

Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.

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How DIME COMMERCIAL BANCSHARES INC looks technically

DIME COMMERCIAL BANCSHARES INC (DCOM) is trading 16.3% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 234 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 11, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 50, neither overbought (above 70) nor oversold (below 30). It made a new 20-day high about 14 trading days ago. It is 3.7% below its all-time high. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move.

Trend

8
Distance from the 200-dayit is trading 16.3% above its 200-day average, the long-term trend line — a longer-term uptrend+16.3%
50-day moving averageits average price over the last 50 trading days — a short-term trend line — is $40.22$40.22
200-day moving averageits average price over the last 200 trading days — the long-term trend line — is $34.76$34.76
Swing structureeach recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes nexthigher highs and higher lows
Last swing turnits last significant turn was a swing low 11 calendar days ago — the swings before that are what the structure reading is measured on11 sessions
Wave structureits recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five; the labelling fails if price closes below 39.8507. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a three-part correction in leg C.possible upward five-wave sequence, in wave 3 (one of several readings)
Since the 50/200 crossits 50-day average crossed above its 200-day average about 234 trading days ago — a "golden cross", a bullish long-term signal234 sessions
Trend strength (14-day ADX)there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 11, below the 25 that marks a real trend)11.0

Momentum

3
14-day RSImomentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 50, neither overbought (above 70) nor oversold (below 30)49.8
Position in its 14-day rangeit is trading in the lower half of its 14-day range ($39.57 to $41.97) — its "stochastic" reading is 36 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions.35.9
Since the MACD crossed zeroMACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish)11 sessions

Range

12
52-week highits highest closing price over the past year (about 252 trading days) was $41.97$41.97
From the 52-week highit is 3.7% below its 52-week high (its highest price of the past year)-3.7%
Above the 52-week lowit is 57.7% above its 52-week low (its lowest price of the past year)+57.7%
Below the 52-week highit is 3.7% below its highest point of the past year3.7%
Since a 20-day breakoutit made a new 20-day high about 14 trading days ago14 sessions
Since a 55-day breakoutit made a new 55-day high about 14 trading days ago14 sessions
All-time highits highest closing price on record is $41.97 (set on 2026-08-04)$41.97
Given back of the 52-week moveover the past year its closes ranged ($25.78 to $41.74), and it has given back only a small part of its rise from last year’s low — 8% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $31.37 to $31.88. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast.8.2%
From the all-time highit is 3.7% below its all-time high-3.7%
Nearest price levelit is trading 3.1% below a resistance level at $41.68 — a price it turned at three times since 2026-07-01, most recently on 2026-08-04. Since 2024-08-21 it has 10 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go.+3.1%
All-time lowits lowest closing price on record is $10.00 (set on 2000-02-15)$10.00
Above the all-time lowit is 304.3% above its all-time low+304.3%

Volatility

5
Band width vs its own 6 monthsday-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move0th percentile
Typical daily rangein a typical session it travels about $0.7825 between its high and its low — about 1.9% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was$0.7825
Bollinger bands (20-day, ±2σ)most of its recent trading has stayed between about $39.85 and $41.66 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles$39.85 – $40.75 – $41.66
Typical daily range (% of price)its price moves about 1.9% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price1.9%
Stretch from the 200-day averageit is trading 7.3 daily ranges above its 200-day average price (16.3% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale7.3 daily ranges above its 200-day average

Volume

1
Volume vs its 30-day averagetrading volume is about normal versus its 30-day average0.65×

Analyst

2
Change in the average price targetanalysts' average price target is unchanged from the prior reading0.0%
Change in the consensus ratingthe analyst consensus rating is unchanged since the prior readingunchanged

Candlestick patterns

1
Since a doji5 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level5 sessions ago

Price gaps

2
Gap at the openit opened on 2026-08-21 0.1% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close+0.1%
Gap filleda 2.1% gap down opened on 2026-07-23 has been "filled" 18 sessions ago — price traded back through the level the gap left behind, and it took 2 sessions to close18 sessions ago

Price streaks

1
Closing streakit has closed higher 2 sessions in a row, a +1.28% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session2 sessions up

Relative strength

4
vs market, 1 monthover the past 1 month this stock lagged the market by 1.7 percentage points (the stock gained 0.6% while the market gained 2.3%)-1.7%
vs market, 3 monthsover the past 3 months this stock beat the market by 6.5 percentage points (the stock gained 9.6% while the market gained 3.1%)+6.5%
vs market, 6 monthsover the past 6 months this stock beat the market by 6.9 percentage points (the stock gained 18.0% while the market gained 11.1%)+6.9%
vs market, 12 monthsover the past 12 months this stock beat the market by 22.0 percentage points (the stock gained 42.5% while the market gained 20.5%)+22.0%

Signal agreement

2
Bullish technical signals4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast4 of 9
Bearish technical signals1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast1 of 9

Trend (Ichimoku cloud)

1
Vs the Ichimoku cloudtrading 1.4% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-15 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 3.7% of the share price.+1.4%

Volume-weighted price

2
Vs this year’s average price paidthe price is 11% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $36.44 — a volume-weighted average of daily closes over 159 sessions, not a true tick-by-tick VWAP.+11.0%
Vs the average paid since it last reportedthe price is 1% below the average price paid since it last reported on 2026-07-23 (its 8-K), so the typical buyer over that stretch is under water. That average is $40.72 — a volume-weighted average of daily closes over 21 sessions, not a true tick-by-tick VWAP.-0.7%

Price levels it has turned at before

DCOM last closed at $40.43 on 2026-08-21. Since 2024-08-21 it has turned at 10 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.

LevelSideDistanceEvidence
$41.68Resistance3.1% above the last closeturned there three times · 2026-07-01 to 2026-08-04
$37.84Support6.4% below the last closeturned there six times · 2024-11-25 to 2026-07-23
$36.73Support9.2% below the last closeturned there four times · 2024-12-05 to 2026-06-01
$34.86Support13.8% below the last closeturned there three times · 2026-01-22 to 2026-05-20

A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.

Wave structure

Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five.

This labelling fails — stops being a possible reading at all — if it closes below $39.85.

This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.

On past moves of this shape the leg has usually ended somewhere between $44.31 and $47.06 — that is where it has tended to end if the count holds, not a forecast of where the price goes.

Alternate reading: The same swings also read as a three-part correction in leg C, which fails on a close below $39.85.

This reading has stood for 5 trading days, since 2026-08-17.

Read from daily closes as of 2026-08-21.

An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.

Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.

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Analyst consensus

  • Consensus ratingBuy (1.80 mean, 1=Strong Buy…5=Strong Sell) — 5 analysts
  • Mean price target$45.80 range $44.00 – $47.00; median $46.00

Analyst estimates, as of 2026-08-19. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.

Analyst EPS estimate for DCOM

  • Consensus EPS estimate$0.8825 next reporting period, as of 2026-08-19

Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.

The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.

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Key risks (from latest filing)

["Interest rate sensitivity and its impact on net interest margin and securities portfolio valuation.","Credit risk associated with commercial real estate loan concentrations.","Potential volatility in accumulated other comprehensive income (loss) from derivative and securities fluctuations."]

See DCOM's biggest risks from its latest 10-Q →

What changed in the latest 10-Q

AI-assisted comparison of DCOM's 10-Q filed 2026-05-01 against the prior one filed 2025-11-03.

Management's Discussion & Analysis (MD&A)

  • Added:
    • Three Months Ended March 31, 2026 data for accumulated other comprehensive income activity (newer filing filed 2026-05-01)
    • Balance as of January 1, 2026 and March 31, 2026 for accumulated other comprehensive income components (newer filing)
    • Three Months Ended March 31, 2026 before-tax and after-tax allocations table with specific line items for securities, pension obligations, and derivatives (newer filing)
    • Securities data as of March 31, 2026 with amortized cost, unrealized gains/losses, and fair value (newer filing)
    • EPS reconciliation for three months ended March 31, 2026 showing net income of $32,760 thousand and basic/diluted EPS of $0.75 (newer filing)
  • Removed:
    • Discussion of ASU 2023-07 Segment Reporting improvements (present in older filing dated 2025-11-03, absent in newer filing dated 2026-05-01)
    • Discussion of ASU No. 2023-09 Income Taxes improvements (present in older filing dated 2025-11-03, absent in newer filing dated 2026-05-01)
    • Nine Months Ended September 30, 2025 and 2024 data for accumulated other comprehensive income activity (older filing)
    • Balance as of January 1, 2024 and September 30, 2024/2025 for accumulated other comprehensive income components (older filing)
    • Nine Months Ended September 30, 2025 and 2024 before-tax and after-tax allocations table (older filing)
    • Three Months Ended and Nine Months Ended September 30, 2025 and 2024 EPS reconciliation data (older filing)
  • Reworded:
    • The 10-Q reflects a change in reporting period from nine months ended September 30 (older filing dated 2025-11-03) to three months ended March 31 (newer filing dated 2026-05-01), consistent with shift from Q3 to Q1 fiscal reporting
  • Notes:
    • The two filings appear to be from different fiscal periods (Q3 2025 vs. Q1 2026) rather than successive filings of the same period, which explains the substantial data changes
    • Text of newer filing appears truncated in the source provided (securities table cut off mid-text)

Risk Factors

  • Added:
    • Exhibit 10.2: Amended and Restated Employment Agreement between Dime Community Bancshares, Inc. and Avinash Reddy (added in 2026-05-01 filing)
  • Removed:
    • Exhibit 10.1: Retirement, Consulting and Release Agreement, dated October 31, 2025, by and among Dime Community Bancshares, Inc., Dime Community Bank and Conrad J. Gunther (removed from 2026-05-01 filing)
  • Reworded:
    • Risk Factors reference updated from 'Annual Report on Form 10-K for fiscal year ended December 31, 2024' (2025-11-03) to 'Annual Report on Form 10-K for fiscal year ended December 31, 2025' (2026-05-01)
    • Stock repurchase program disclosure date changed from 'As of September 30, 2025' (2025-11-03) to 'As of March 31, 2026' (2026-05-01)
    • Quarter end date changed from 'quarter ended September 30, 2025' (2025-11-03) to 'quarter ended March 31, 2026' (2026-05-01)
    • Other Information Item 5 disclosure changed from 'During the three months ended September 30, 2025' (2025-11-03) to 'During the three months ended March 31, 2026' (2026-05-01)
    • XBRL exhibit description changed from 'Quarter Ended September 30, 2025, filed on November 3, 2025' to 'Quarter Ended March 31, 2026, filed on May 1, 2026' and from comparing periods ending 'September 30, 2025 and December 31, 2024' to 'March 31, 2026 and December 31, 2025'
    • XBRL exhibit description changed from 'Three and Nine Months Ended September 30, 2025 and 2024' to 'Three Months Ended March 31, 2026 and 2025'
    • XBRL exhibit description changed from 'Consolidated Statements of Cash Flows for the Nine Months Ended September 30, 2025 and 2024' to 'Consolidated Statements of Cash Flows for the Three Months Ended March 31, 2026 and 2025'
    • Avinash Reddy's title changed from 'Senior Executive Vice President, Chief Financial Officer and Chief Operating Officer' (2025-11-03) to 'Senior Executive Vice President, Chief Operating Officer and Chief Financial Officer' (2026-05-01)
  • Notes:
    • The Risk Factors Item 1A section references external documents (10-K and subsequent 10-Q filings) rather than containing substantive risk factor text within this section, so changes reflect updated reference dates only

AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.

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Insider activity (SEC Form 4)

0 open-market purchases and 36 open-market sales by insiders in the last 90 days.

  • Last 30 days0 buys · 15 sells ($3M) — 1 selling insider
  • Last 90 days0 buys · 36 sells ($7M) — 3 selling insiders
  • Last 180 days0 buys · 37 sells ($7M) — 4 selling insiders

Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)

Most recent open-market transaction: 2026-08-03. As of 2026-08-24.

View full insider trading history → View SEC Form 3/4/5 filings

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Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.

Institutional ownership (13F)

5 institutional 13F filers reported holding DCOM as of 2026-03-31 (quarter-end position, filed within 45 days).

  • Distinct 13F filers 5
  • Reported shares held 8,332,996
  • Reported value $281,821,927

reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 3 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".

Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.

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Short interest (FINRA)

DCOM had 3,590,286 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).

DCOM had 8.13% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 10.54 days to cover at the same settlement.

  • Reported short interest (shares) 3,590,286
  • Short interest (% of shares outstanding) 8.13%
  • Prior settlement (shares) 3,635,432
  • Reported change -1.24%
  • Days to cover (reported) 10.54

Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.

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Competitors & peers

AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.

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Frequently asked questions

What does DIME COMMERCIAL BANCSHARES INC (DCOM) do?

Dime Community Bancshares, Inc. is a bank holding company that operates through its subsidiary, Dime Community Bank. The company provides a range of commercial and retail banking products and services, including deposit accounts, commercial real estate loans, and business lending, primarily serving the New York metropolitan area.

What sector is DIME COMMERCIAL BANCSHARES INC (DCOM) in?

DIME COMMERCIAL BANCSHARES INC (DCOM) is classified in the Financials sector. Its industry is Regional Banks. It trades on NYSE.

Does DCOM pay a dividend?

Yes — DIME COMMERCIAL BANCSHARES INC (DCOM) pays a dividend, with an indicated yield of about 4.88% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.

Who are DIME COMMERCIAL BANCSHARES INC's (DCOM) competitors?

Notable peers of DIME COMMERCIAL BANCSHARES INC (DCOM) include New York Community Bancorp, Valley National Bancorp, ConnectOne Bancorp, Flushing Financial and Provident Financial Services. This peer set is informational only — not financial advice.

Is DIME COMMERCIAL BANCSHARES INC (DCOM) overbought or oversold right now?

DIME COMMERCIAL BANCSHARES INC (DCOM) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 50, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.

Where does stocks-llm's data on DCOM come from?

Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.

Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.

Last updated 2026-08-21.

Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.

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