Dime Community Bancshares Inc (DCOM) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Dime Community Bancshares Inc stock (DCOM) is currently trading at $33.32. Dime Community Bancshares Inc PE ratio is 13.59. Dime Community Bancshares Inc PS ratio (Price-to-Sales) is 3.44. Analyst consensus price target for DCOM is $39.60. WallStSmart rates DCOM as Moderate Buy.
- DCOM PE ratio analysis and historical PE chart
- DCOM PS ratio (Price-to-Sales) history and trend
- DCOM intrinsic value — DCF, Graham Number, EPV models
- DCOM stock price prediction 2025 2026 2027 2028 2029 2030
- DCOM fair value vs current price
- DCOM insider transactions and insider buying
- Is DCOM undervalued or overvalued?
- Dime Community Bancshares Inc financial analysis — revenue, earnings, cash flow
- DCOM Piotroski F-Score and Altman Z-Score
- DCOM analyst price target and Smart Rating
Dime Community Bancshares Inc
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DCOM Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Dime Community Bancshares Inc (DCOM)
DCOM trades at a significant discount to its Graham intrinsic value of $110.45, offering a 68% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Dime Community Bancshares Inc (DCOM) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around peg ratio and return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Dime Community Bancshares Inc (DCOM) Key Strengths (6)
Keeps $46 of every $100 in revenue after operating costs
Revenue surging 159.40% year-over-year
Earnings per share surging 103.10% year-over-year
Keeps $27 of every $100 in revenue as net profit
87.15% of shares held by major funds and institutions
Trading at 1.04x book value, attractively priced
Supporting Valuation Data
Dime Community Bancshares Inc (DCOM) Areas to Watch (4)
Very expensive relative to growth, significant premium
Low profitability relative to shareholder equity
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 3.44x sales
Dime Community Bancshares Inc (DCOM) Detailed Analysis Report
Overall Assessment
This company scores 74/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.7/10) while 4 fall into concern territory (avg 4.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Revenue Growth, EPS Growth. Valuation metrics including Price/Book (1.04) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 46.40%, Profit Margin at 27.00%. Growth metrics are encouraging with Revenue Growth at 159.40%, EPS Growth at 103.10%.
The Bear Case
The primary concerns are PEG Ratio, Return on Equity, Market Cap. Some valuation metrics including PEG Ratio (3.76), Price/Sales (3.44) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 7.71%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 7.71% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 159.40% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Revenue Growth makes a compelling case at current levels. The key risk is PEG Ratio, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
DCOM Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
DCOM's Price-to-Sales ratio of 3.44x trades 38% below its historical average of 5.58x (1th percentile). The current valuation is 62% below its historical high of 9.06x set in Dec 2016, and 1% above its historical low of 3.4x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Dime Community Bancshares Inc (DCOM) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Dime Community Bancshares Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 410M with 159% growth year-over-year. Profit margins are strong at 27.0%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 159% YoY, reaching 410M. This pace significantly outperforms most BANKS - REGIONAL peers.
Profit margin of 27.0% and operating margin of 46.4% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Growth sustainability: can Dime Community Bancshares Inc maintain 159%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 3.1%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Dime Community Bancshares Inc.
Bottom Line
Dime Community Bancshares Inc offers an attractive blend of growth (159% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Dime Community Bancshares Inc(DCOM)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Dime Community Bancshares, Inc. is the parent company of Dime Community Bank providing commercial banking and financial services in New York. The company is headquartered in Hauppauge, New York.