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DCOM

Dime Commercial BancsharesB
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
The bull case is continued commercial-bank share gain, deposit growth, loan repricing, improving efficiency, and capital return. The SEC-filed Q2 release and earnings transcript support the operating direction, but no post-print analyst revision confirms incremental upside.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +2.4.
What can break
CRE concentration remains elevated at 352% despite recent reduction. [#SEC-8K-2026-07-23]
Momentum
59
Value
48
Sentiment
68
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $45.00 · Bull $49.00 · Bear $35.00Analysis 2026-07-28; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-28 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $45.80
Why
Momentum59 · Δ7d +0.2
Value48 · Δ7d -0.0
Sentiment68 · Δ7d +2.4
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +2.4.

Contradictions & invalidation

  • • CRE concentration remains elevated at 352% despite recent reduction. [#SEC-8K-2026-07-23]
  • • Loan and deposit pricing competition may pressure NIM and funding costs.
  • • The bear case is that multifamily credit costs, pricing competition, elevated CRE concentration, or slower NIM expansion offset commercial-loan growth.

Catalyst clock

2026-07-23

Q2 earnings showed strong operating momentum

Lead driver: Sentiment · See AI snapshot
Momentum
59
9% active weight
Current posture
7d trendFlat
Δ7d
+0.2
Δ21d
+12.8
Value
48
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.0
Sentiment
68
62% active weight
Current posture
7d trendImproving
Δ7d
+2.4
Δ21d
+1.6
Why this grade

Composite grade B. Momentum 58.9 / Value 48.1 / Sentiment 68.3

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-28. Scenario method

B+
Bull case
25%
Probability
Target price
$49.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$45.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$35.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$1.81B
Beta
1.11
Shares Out
44.16M
P/E (TTM)
26.4
P/S (TTM)
3.41
P/FCF (TTM)
7.54
Rev YoY
+4.4%
EPS YoY
+17.6%
Gross Margin
-
Op Margin
+24.1%
Net Debt
-$1.53B
Current Ratio
0.47
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data