Dime Community Bancshares, Inc. (DCOM)

Over the past six months, Dime Community Bancshares' stock (DCOM) has experienced several events. As of January 13, 2026, the stock price has decreased by 8.27% in the past month and 20.47% over the last 12 months. In Q3 2025, the company reported $0.61 earnings per share (EPS), missing estimates, but revenue exceeded estimates at $116.67 million. In Q2 2025, the company reported $0.64 EPS. Dime Community Bancshares declared a quarterly cash dividend of $0.25 per share on December 17, 2025. Analyst ratings include Stephens setting a $33.00 target price with an "equal weight" rating, Zacks Research upgrading shares to a "hold" rating, DA Davidson setting a $36.00 price objective, and Keefe, Bruyette & Woods lowering their target price to $34.00 while maintaining an "outperform" rating. The stock's 52-week range has been between $23.22 and $34.00.

The banking industry, including Dime Community Bancshares, experiences seasonality, primarily through changes in loan demand. Loan demand is typically highest in spring and summer and lowest in December, January, and February. Interest rates tend to be lower in spring and fall and higher in winter and summer. Tax planning and specific products like IRAs also contribute to seasonal banking activity. Dime's demand for its services generally follows these broader banking industry seasonal trends.

Dime Community Bancshares, Inc. (DCOM) is a bank holding company in the Financials sector, specifically in the Regional Banks industry. It provides commercial banking and financial services to individual, commercial customers, and local municipalities through its subsidiary, Dime Community Bank, emphasizing relationship banking and community-oriented financial solutions. Dime Community Bancshares offers time, savings, and demand deposits, 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. Additionally, it provides 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, along with investment and title insurance services through its subsidiaries.

Dime Community Bancshares operates primarily in metropolitan New York and South Florida, with 59 to 60 branch locations throughout Long Island and New York City, from Montauk to Manhattan. It holds the top deposit market share among community banks with assets under $20 billion in the Greater Long Island market.

Dime Community Bancshares has an established presence and reputation, emphasizing its commitment to delivering superior financial services and creating value for shareholders, underpinned by integrity and community support. Dime supports programs in local business, environment, education, healthcare, social services, and the arts. Dime awarded grants to Junior Achievement and Accompany Capital, demonstrating its continued community engagement. The company's strong financial performance, including a 103% year-over-year increase in net income for Q3 2025, contributes positively to its reputation.

Dime Community Bancshares has a mixed ownership structure. Institutional investors hold a significant portion, approximately 66.78% of the company's stock. Insiders own about 7.62% of the stock, while public companies and individual investors hold approximately 25.59%. Major institutional owners include BlackRock, Inc., Vanguard Group Inc., JPMorgan Chase & Co., T. Rowe Price Investment Management, Inc., and Dimensional Fund Advisors (DFA Australia Ltd.). The CEO, Stuart Lubow, holds 0.6% of the shares.