10-K · February 20, 2026
Dime Community Bancshares (Dime) positions itself as a community-focused commercial bank concentrated in Greater Long Island and New York City, investing primarily in commercial real estate, multi-family and residential…
Earnings analysis · 10-Q
DCOM earnings analysis
Filed May 1, 2026 · Our reading of the company's report
The latest report
Dime Community Bancshares achieved revenue of $123.597 million and diluted EPS of $0.74 for Q1 2026, exceeding revenue estimates but falling short on EPS. The net interest margin expanded significantly to 3.21%,…
Read full summary
Dime Community Bancshares achieved revenue of $123.597 million and diluted EPS of $0.74 for Q1 2026, exceeding revenue estimates but falling short on EPS. The net interest margin expanded significantly to 3.21%, contributing to a net income increase to $34.6 million compared to $21.5 million in the prior year, even as credit provisions rose amidst higher non-performing asset levels.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $0.74
What stood out
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Revenue Exceeds Estimates
Q1 2026 revenue reached $123.597 million, beating the consensus estimate by $1.394 million.
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Strong Net Interest Margin
Net interest margin improved to 3.21%, up from 2.95% YoY, driving net interest income growth.
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Increased Net Income
Net income rose to $34.6 million in Q1 2026, compared to $21.5 million in Q1 2025.
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Increased Provisions for Credit Losses
Credit loss provision increased to $12.3 million from $9.6 million YoY.
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Inventory of Non-Performing Loans
Non-performing loans rose to $57.136 million from $58.041 million YoY.
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Dividends Paid
$10.8 million in common stock dividends were paid in Q1 2026, marking a slight increase from $10.7 million in Q1 2025.
What to watch
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Higher Credit Provisions
Provision for credit losses increased to $12.3 million compared to $9.6 million in Q1 2025.
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Increase in Non-Performing Assets
Non-performing assets reached $95.586 million, increasing from $58.041 million YoY.
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Decline in Deposits
Total deposits decreased by $242.2 million in Q1 2026, a notable reduction compared to a $70.2 million decrease YoY.
Management's outlook
Management did not provide numeric forward guidance.
Earlier filings 4
10-Q · November 5, 2024
Dime Community Bancshares reported Q3 revenue of $87,555,000 (Net interest income $79,924,000 + Non-interest income $7,631,000), up $3,148,000 versus Q3 2023. Earnings and profitability weakened: GAAP diluted EPS fell…
10-Q · August 1, 2024
Dime Community Bancshares reported Q2 2024 total revenue of $87,310,000 and diluted EPS of $0.43. Revenue declined modestly year-over-year (Q2 2023 revenue $90,624,000) while deposits and capital strengthened — deposits…
10-Q · May 2, 2024
Dime Community Bancshares reported total revenue (net interest income plus non-interest income) of $81,997,000 for the quarter ended March 31, 2024, a decline from the prior-year quarter. Net income was $17,691,000 and…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.