DCOM

Dime Community Bancshares delivered second quarter results that met market expectations for non-GAAP profit per share, with revenues modestly ahead of consensus. Management pointed to strong business loan growth and disciplined deposit cost management as the primary drivers of the quarter’s performance. CEO Stuart Lubow highlighted the bank’s ability to attract new teams and diversify its loan portfolio, noting, “Year-over-year growth in business loans is approximately $743 million, which represents a 26% increase.” The company also improved its net interest margin by reducing deposit costs and raising loan yields. Is now the time to buy DCOM? Find out in our full research report (it’s free). Revenue: $128.4 million vs analyst estimates of $123.4 million (17.2% year-on-year growth, 4.1% beat) Adjusted EPS: $0.79 vs analyst estimates of $0.79 (in line) Market Capitalization: $1.79 billion While we enjoy listening to the management’s commentary, our favorite part of earnings calls is the analyst questions. Those are unscripted and can often highlight topics that management teams would rather avoid or topics where the answer is complicated. Here is what has caught our attention. Peter Winter (D.A. Davidson) asked about the increase in multifamily non-performing loans. CFO Avinash Reddy explained that a specific provision was taken for loans nearing 90 days past due, but overall nonperforming assets declined due to loan sales. Peter Winter (D.A. Davidson) inquired about the range for the allowance for credit losses. Reddy reaffirmed that the current level of 98 basis points is within the expected range of 90 basis points to 1%. Peter Winter (D.A. Davidson) requested an outlook for loan growth in the second half of the year. Chief Commercial Officer Tom Geisel projected continued strength in business loans and further reductions in multifamily exposure, expecting low-to-mid single-digit total loan growth. Stephen Moss (Raymond James) questioned the sustainability of deposit cost management. CEO Stuart Lubow said recent deposit team hires have brought new accounts and the commercial focus allows for stable funding costs despite some market competition. Gregory Zingone (Piper Sandler) asked about competitive dynamics in loan and deposit pricing. COO Tom Geisel acknowledged that competition is intense, but emphasized the bank’s diversified growth across commercial lending specialties and relationship-focused business as a differentiator. In the coming quarters, our analysts will focus on (1) the pace and profitability of loan repricing as more loans mature or adjust to higher rates, (2) the continued shift in deposit mix and the bank’s ability to manage funding costs in a competitive environment, and (3) the impact of resumed share repurchases on capital and earnings per share. We will also monitor progress on expense containment and further reduction of multifamily exposure. Dime Community Bancshares currently trades at $40.60, up from $39.46 just before the earnings. At this price, is it a buy or sell? Find out in our full research report (it’s free for active Edge members). ONE MORE THING: Top 6 Stocks for This Week. This market is separating quality stocks from expensive ones fast. AI is taking down whole sectors with no warning. In a rotation this fast, you need more than a list of good companies. Our AI system flagged Palantir before it ran 1,662% between October 2022 and February 2026. AppLovin before it ran 753% between February 2024 and February 2026. Nvidia before it ran 1,178% between January 2023 and February 2026. Each week it produces 6 new names that pass the same tests. Get Our Top 6 Stocks for Free HERE. Stocks that have made our list include now familiar names such as Nvidia (+1,460% between June 2020 and June 2025) as well as under-the-radar businesses like the once-small-cap company Exlservice (+271% between June 2020 and June 2025). Find your next big winner with StockStory today.

Dime Commercial Bancshares, Inc. reported past second-quarter 2026 results showing higher net interest income of US$115.19 million and net income of US$34.81 million versus the prior year, while also declaring a quarterly US$0.34375 dividend on its 5.50% Series A preferred stock payable in August 2026. Alongside completing an earlier share repurchase program without buying additional stock in the most recent quarter, the bank’s stronger earnings profile may influence how investors view its capacity to balance growth initiatives with capital returns. With Q2 2026 net interest income rising meaningfully year on year, we’ll now examine how this earnings improvement shapes Dime’s investment narrative. The best AI stocks today may lie beyond giants like Nvidia and Microsoft. Find the next big opportunity with these 17 smaller AI-focused companies with strong growth potential through early-stage innovation in machine learning, automation, and data intelligence that could fund your retirement. To own Dime Commercial Bancshares, you need to believe its New York focused franchise can convert higher net interest income into durable earnings while managing concentrated commercial real estate and regulatory exposure. The stronger Q2 2026 results support the near term earnings catalyst, but do not materially change the key risk that local economic or policy shocks in its core markets could pressure loan quality and growth. The Q2 2026 earnings release, showing net interest income of US$115.19 million and net income of US$34.81 million, is the most relevant update here. It reinforces the earnings side of the story at a time when Dime is investing in new business lending verticals and private banking teams, which could influence how quickly those growth efforts offset higher operating costs. Yet even with improving earnings, investors should be aware that Dime’s heavy concentration in New York commercial real estate means... Read the full narrative on Dime Commercial Bancshares (it's free!) Dime Commercial Bancshares' narrative projects $722.1 million revenue and $253.5 million earnings by 2029. This requires 19.1% yearly revenue growth and about a $139.2 million earnings increase from $114.3 million today. Uncover how Dime Commercial Bancshares' forecasts yield a $43.00 fair value, a 9% upside to its current price. Three members of the Simply Wall St Community currently estimate fair value for Dime Commercial Bancshares between US$13.66 and US$83.15 per share, showing very different views of upside. As you weigh these opinions against Dime’s growing net interest income catalyst, it is worth considering how concentrated New York exposure could shape the bank’s performance over time. Explore 3 other fair value estimates on Dime Commercial Bancshares - why the stock might be worth less than half the current price! Don't just follow the ticker - dig into the data and build a conviction that's truly your own. A great starting point for your Dime Commercial Bancshares research is our analysis highlighting 4 key rewards and 1 important warning sign that could impact your investment decision. Our free Dime Commercial Bancshares research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate Dime Commercial Bancshares' overall financial health at a glance. Markets shift fast. These stocks won't stay hidden for long. Get the list while it matters: Rare earth metals are an input to most high-tech devices, military and defence systems and electric vehicles. The global race is on to secure supply of these critical minerals. Beat the pack to uncover the 29 best rare earth metal stocks of the very few that mine this essential strategic resource. Uncover the next big thing with 21 elite penny stocks that balance risk and reward. Invest in the nuclear renaissance through our list of 90 elite nuclear energy infrastructure plays powering the global AI revolution. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. Companies discussed in this article include DCOM. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email [email protected]

Our analysts just identified a stock with the potential to be the next Nvidia. Tell us how you invest and we'll show you why it's our #1 pick. Tap here. Management attributes record revenues and a 23% increase in core EPS to the successful execution of a multi-year transition from a legacy multifamily thrift model to a commercial banking powerhouse. The bank achieved a core efficiency ratio below 50%, driven by the maturation of over 15 private banking deposit teams and 6 new lending verticals hired over the past three years. Business loan growth of 26% year-over-year was fueled by a deliberate strategy to diversify the balance sheet away from rent-regulated multifamily assets. Net Interest Margin (NIM) expansion of 7 basis points was supported by a disciplined focus on lowering deposit costs while improving loan yields through C&I and specialty finance growth. The company completed a formal rebrand to Dime Commercial Bank to reflect a portfolio where over 70% of deposits are commercial or municipal and approximately 60% of the loan portfolio consists of business and commercial real estate. Management highlighted the disruption in the local Metro New York marketplace as a primary tailwind for acquiring high-quality clients and talent from competitors. Management expects the NIM to exceed 3.50% by the fourth quarter of 2027, assuming the forward curve holds and market competition remains rational. The bank anticipates a significant repricing opportunity over the next 18 months as approximately $2.5 billion in loans with a 4.25% weighted average rate mature or reprice. Business loan growth is projected to continue at a pace of $200 million to $250 million per quarter as recently hired teams reach full productivity. The company plans to resume share repurchases in the third quarter, targeting a Common Equity Tier 1 (CET1) ratio between 11.25% and 11.50% to balance growth and capital return. Multifamily exposure is expected to continue a downward trend until it reaches approximately 25% of the total loan portfolio. The loan loss provision of $14 million was primarily driven by charge-offs on investor CRE loans, specific reserves for the multifamily portfolio, and growth in the business loan portfolio. Management is closely monitoring a $300 million 'pre-2019' rent-regulated multifamily bucket originated before New York City rule changes, though this exposure has decreased from $400 million year-over-year. The Commercial Real Estate (CRE) ratio was successfully reduced to approximately 350%, which management believes will lead to a higher valuation compared to peers operating at 375% to 450%. Core cash operating expenses for the remainder of the year are projected between $130 million and $131 million, reflecting a slowdown in aggressive new vertical hiring. One stock. Nvidia-level potential. 30M+ investors trust Moby to find it first. Get the pick. Tap here. Management noted that while $26 million to $27 million in loans moved toward the 90-day past due bucket, total non-performing assets (NPAs) actually decreased due to the disposal of $38 million in assets held for sale. A $6 million specific provision was taken on these loans, and management is working directly with operators on long-term value recovery strategies. Growth is expected to be led by C&I and specialty finance, while investor CRE is reaching an 'inflection point' and will likely grow at a more modest 5% annual rate. New equipment finance and franchise verticals are expected to begin contributing to loan volumes in the second half of the year. Management believes their 31% non-interest-bearing deposit base and lack of reliance on consumer CDs provides insulation from 'irrational' pricing by competitors. Recent hiring of two new teams in April is expected to drive further DDA growth as they transition existing client books to the bank. Management indicated that the heavy lifting of building new verticals is largely complete, suggesting expense growth will moderate to a 3% to 4% range in 2027. The focus has shifted from aggressive headcount expansion to accruing the benefits of existing hires to the bottom line.

This article first appeared on GuruFocus. Release Date: July 23, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. Dime Commercial Bancshares Inc (NYSE:DCOM) reported record revenues of $126 million for the second quarter. Core EPS increased by 23% compared to the previous year. The net interest margin (NIM) improved by 7 basis points from the previous quarter. Business loans grew by approximately $743 million, marking a 26% year-over-year increase. The company plans to resume its share repurchase program in the third quarter, indicating confidence in its long-term value. The allowance for loan losses increased to 98 basis points, indicating potential concerns about loan quality. Non-performing loans in the multi-family portfolio saw an increase, requiring a $6 million specific provision. The company faces competition in both loan and deposit pricing, which could pressure margins. There is uncertainty regarding the exact trajectory of NIM expansion in the coming quarters. The company is still working to reduce its multi-family loan portfolio to 25% of total loans, indicating ongoing restructuring challenges. Warning! GuruFocus has detected 6 Warning Sign with DCOM. Is DCOM fairly valued? Test your thesis with our free DCF calculator. Q: Can you provide an update on the multi-family portfolio and the increase in non-performing loans this quarter? A: Avi Reddy, COO and CFO: We had $26-$27 million in loans that were close to 90 days past due, and we took a $6 million specific provision on those. However, non-performing assets were actually down because we disposed of $38 million that were for sale in the prior quarter. Our multi-family portfolio is now around $3.1 billion, with $1 billion being majority rent-regulated. We are comfortable with the portfolio and have built specific reserves to manage any issues. Q: How are you thinking about the Allowance for Credit Losses (ACL) ratio going forward? A: Avi Reddy, COO and CFO: We are maintaining our previous guidance of an ACL ratio between 90 basis points and 1%. Currently, we are at 98 basis points, which is within our expected range. Q: Could you give an update on the loan outlook for the second half of the year? A: Tom Geisel, Chief Commercial Officer: We expect business loans to grow by $200 to $250 million per quarter. Our investor CRE book is expected to grow at a 5% annualized rate, and we aim to reduce multi-family loans to about 25% of total loans. Overall, we anticipate low to mid-single-digit growth in the loan portfolio by year-end. Q: What are the dynamics affecting deposit growth and costs? A: Stuart Laboe, President and CEO: We saw a significant pickup in deposit growth after hiring two new teams in April. Our deposit base is over 31% DDA, and our cost of funds is about 164 basis points. We are focused on maintaining or slightly reducing deposit costs, even in a higher rate environment. Q: How do you view the competition in loan and deposit pricing? A: Stuart Laboe, President and CEO: There is competition, but our deposit base is primarily business-focused, with 31% DDA, which helps us manage costs. On the loan side, competition is tough, but our growth is diversified across traditional C&I businesses and specialty finance groups. We focus on maintaining diversified growth and sticking to our strengths. For the complete transcript of the earnings call, please refer to the full earnings call transcript.

Dime Community (DCOM) reported $126.45 million in revenue for the quarter ended June 2026, representing a year-over-year increase of 15.3%. EPS of $0.79 for the same period compares to $0.64 a year ago. The reported revenue compares to the Zacks Consensus Estimate of $122.02 million, representing a surprise of +3.64%. The company delivered an EPS surprise of +3.95%, with the consensus EPS estimate being $0.76. While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health. Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance. Here is how Dime Community performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: NCOs / Average loans: 0.4% versus 0.2% estimated by two analysts on average. Net Interest Margin: 3.3% versus the two-analyst average estimate of 3.2%. Average Balance - Total interest-earning assets: $14.09 billion versus the two-analyst average estimate of $14.17 billion. Efficiency Ratio: 51.2% versus 53.1% estimated by two analysts on average. Gain on sale of residential loans: $0.05 million versus $-0.74 million estimated by two analysts on average. Net Interest Income: $115.19 million versus $112.45 million estimated by two analysts on average. BOLI income: $5.04 million versus the two-analyst average estimate of $4.25 million. Loan level derivative income: $0.54 million compared to the $0.74 million average estimate based on two analysts. Non-interest income- Other: $0.74 million versus $0.88 million estimated by two analysts on average. Service charges and other fees: $6.48 million versus $5.27 million estimated by two analysts on average. Total Non-Interest Income: $11.27 million compared to the $9.57 million average estimate based on two analysts. View all Key Company Metrics for Dime Community here>>> Shares of Dime Community have returned -0.8% over the past month versus the Zacks S&P 500 composite's +0.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Dime Community Bancshares, Inc. (DCOM) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Dime Community (DCOM) came out with quarterly earnings of $0.79 per share, beating the Zacks Consensus Estimate of $0.76 per share. This compares to earnings of $0.64 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +3.95%. A quarter ago, it was expected that this bank holding company would post earnings of $0.77 per share when it actually produced earnings of $0.74, delivering a surprise of -3.9%. Over the last four quarters, the company has surpassed consensus EPS estimates two times. Dime Community, which belongs to the Zacks Banks - Southeast industry, posted revenues of $126.45 million for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 3.64%. This compares to year-ago revenues of $109.69 million. The company has topped consensus revenue estimates four times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Dime Community shares have added about 31.1% since the beginning of the year versus the S&P 500's gain of 9.6%. While Dime Community has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Dime Community was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $0.90 on $131.03 million in revenues for the coming quarter and $3.37 on $513.88 million in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Southeast is currently in the top 31% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. Another stock from the same industry, Renasant (RNST), has yet to report results for the quarter ended June 2026. The results are expected to be released on July 28. This holding company for Renasant Bank is expected to post quarterly earnings of $0.91 per share in its upcoming report, which represents a year-over-year change of +31.9%. The consensus EPS estimate for the quarter has been revised 0.3% lower over the last 30 days to the current level. Renasant's revenues are expected to be $275.6 million, up 3.2% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Dime Community Bancshares, Inc. (DCOM) : Free Stock Analysis Report Renasant Corporation (RNST) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Interested in Dime Community Bancshares, Inc.? Here are five stocks we like better. Record Q2 results: Dime Community Bancshares posted record second-quarter revenue of $126 million, with core EPS up 23% year over year to $0.79. Net interest margin expanded to 3.28%, marking the bank’s ninth straight quarter of margin growth. Business lending is driving growth: Business loans grew 26% year over year, and management said the pipeline remains strong at about $1.4 billion. The bank expects low- to mid-single-digit loan growth in the second half while continuing to diversify away from multifamily exposure. Credit, capital and buybacks: Credit trends were mixed but manageable, with nonperforming assets down 28% sequentially and the allowance to loans rising to 98 basis points. Capital levels improved, and management said it expects to resume share repurchases in the third quarter. Time To Buy Regional Banks? Insider Buying Says Yes Dime Community Bancshares (NASDAQ:DCOM) reported record second-quarter revenue and said it expects to resume share repurchases in the third quarter, as management pointed to continued net interest margin expansion, growth in business lending and a lower commercial real estate concentration. President and CEO Stuart Lubow said revenue for the quarter was $126 million, a record for the company, while core earnings per share rose 23% from the prior year. Lubow said net interest margin increased seven basis points from the prior quarter as the bank lowered deposit costs and improved loan yields. → 3 Photonics Companies Making Quantum Tech Possible “Dime has differentiated our franchise from our local competitors as it relates to our organic growth trajectory, our ability to attract talented bankers, the quality of our deposit base, the progress we made in diversifying our balance sheet, and our improving NIM and profitability,” Lubow said. COO and CFO Avi Reddy said core EPS for the quarter was $0.79 per share. Core pre-tax, pre-provision net revenue was $64 million, equal to 173 basis points of average assets. Reported net interest margin rose to 3.28%, and Reddy said that excluding day-count effects, purchase accounting and prepayment fees, the run-rate margin would have been closer to 3.22%, compared with 3.14% in the prior quarter. → Could Truth API Become Trump Media’s First Meaningful Revenue Driver? Reddy said the bank has now posted nine consecutive quarters of net interest margin expansion. He said management expects modest margin expansion in the third quarter, with more pronounced improvement in the fourth quarter and in 2027. A key driver is expected to be loan repricing. Reddy said approximately $2.5 billion of adjustable and fixed-rate loans, with a weighted average rate of 4.25%, will either reprice or mature over the next 18 months. He said the company expects the margin to exceed 3.50% by the fourth quarter of 2027, assuming the consensus forward curve plays out and competition remains rational. → AeroVironment’s Stock Is Down, But Drone Demand Is Taking Off Lubow said Dime continued to execute on its plan to grow business loans, with year-over-year growth of about $743 million, or 26%. He said the loan pipeline was approximately $1.4 billion, with a weighted average rate of about 6.25%. Chief Commercial Officer Tom Geisel said business loans increased by $125 million in the first quarter and $275 million in the second quarter. He said recently hired teams are beginning to build momentum, and that an equipment finance team and franchise vertical added earlier have not yet meaningfully contributed. Geisel said management believes the bank can grow business loans by $200 million to $250 million per quarter. He described the overall loan outlook for the second half as “low to mid-single digit growth” as the bank balances growth in business lending, relationship investor commercial real estate and a planned reduction in multifamily exposure. Reddy said the loan loss provision was approximately $14 million, primarily reflecting charge-offs on investor commercial real estate loans, specific reserves on the multifamily portfolio and growth in the business loan portfolio. The allowance to loans increased to 98 basis points, within the 90-basis-point to 1% range management previously discussed. Criticized loans were relatively flat, and nonperforming assets declined 28% from the prior quarter, Reddy said. In response to an analyst question about multifamily nonperforming loans, he said the bank had roughly $26 million to $27 million of loans near the 90-day past-due bucket at quarter-end and took a $6 million specific provision on those loans. Reddy said the multifamily portfolio totaled $3.1 billion, including about $1 billion of majority rent-regulated or fully rent-regulated loans. He said the pre-2019 portion of the rent-regulated portfolio, which management is monitoring because it was originated before New York City rule changes, has declined to about $300 million from roughly $400 million a year earlier. The bank’s commercial real estate ratio declined to about 350% at quarter-end. Reddy said operating at or below that level should distinguish Dime from local banks that he said are operating between 375% and 450%. Management said the bank’s deposit base remains a strength. Lubow said more than 70% of deposits come from commercial and municipal customers. During the Q&A, Geisel said non-interest-bearing deposits represented more than 31% of deposits, while the cost of funds was about 1.64%. Reddy said spot deposit costs at quarter-end were similar to average costs, around 1.67% to 1.68%. Reddy said core cash operating expenses, excluding intangible amortization, were approximately $64 million in the quarter, in line with expectations. The core efficiency ratio fell below 50%, which Lubow said reflected the payoff from investments in hiring. Lubow said the bank has added more than 15 deposit teams in private banking, six lending verticals and three branch locations over a short period. For the remainder of 2026, Reddy said the bank expects core cash operating expenses, excluding intangible amortization, of $130 million to $131 million, and a tax rate of about 28.5%. Reddy said the tangible equity ratio crossed 9%, the common equity Tier 1 ratio increased to 12%, and the total capital ratio was 16.3%. He said the bank expects to resume share repurchases in the third quarter and plans to operate with a CET1 ratio between 11.25% and 11.5% in the near to medium term, allowing room for both organic growth and buybacks. Lubow also highlighted the company’s rebrand, saying Dime completed its transition to Dime Commercial Bank in June. He said the new brand reflects a decade-long shift away from a legacy multifamily thrift model toward a more commercial banking-oriented institution. Dime Community Bancshares, Inc is the bank holding company for Dime Community Bank, headquartered in Hauppauge, New York. Through its subsidiary, the company offers a comprehensive suite of banking and financial services to both individual and commercial customers. With a network of branches spanning the New York metropolitan area and South Florida, Dime Community Bancshares emphasizes relationship banking and local decision-making. The company's core lending activities include commercial and multifamily real estate loans, construction and land development financing, and one-to-four-family residential mortgage lending. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. The article "Dime Community Bancshares Q2 Earnings Call Highlights" was originally published by MarketBeat. View MarketBeat's top stocks for July 2026.