Skip to main content

Dime Community Bancshares, Inc. (DCOM) Stock Analysis

Range Bound setup

HoldVALUE-TRAP 1/5Moderate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $35.61, but acceptable to hold if already in. Reasons: Thin upside margin: 3.8%; Consecutive earnings misses (2).

Dime Community Bancshares, Inc. operates as the holding company for Dime Community Bank that engages in the provision of various commercial banking and financial services. It accepts time, savings, and demand deposits from the businesses, consumers, and local municipalities. The... Read more

$35.61+3.8% A.UpsideScore 6.1/10#52 of 142 Banks - Regional
Stop $33.10Target $36.89(analyst − 13%)A.R:R 0.5:1
Analyst target$42.40+19.1%5 analysts
$36.89our TP
$35.61price
$42.40mean
$46

Hold if already holding. Not a fresh buy at $35.61, but acceptable to hold if already in. Reasons: Thin upside margin: 3.8%; Consecutive earnings misses (2). Chart setup: RSI 48 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Score 6.1/10, moderate confidence.

Passes 5/7 gates (clean insider activity, no SEC red flags, news boost analyst 0.50, earnings proximity 83d clear, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.

Thesis

Rewards
Positive news sentiment (+1.00)
Attractive valuation
Strong growth profile
Risks
Thin upside margin: 3.8%
Consecutive earnings misses (2)

Key Metrics

P/E (TTM)13.4
P/E (Fwd)8.2
Mkt Cap$1.6B
EV/EBITDA
Profit Mgn29.0%
ROE8.5%
Rev Growth18.1%
Beta1.05
Dividend2.81%
Rating analysts11

Quality Signals

Piotroski F7/9

Options Flow

P/C0.17bullish
IV54%elevated
Max Pain$30-15.8% vs spot

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

10 dimensions · all in-band

GatesMomentum 4.4<4.5A.R:R 0.5 < 1.5@spotInsider activity: OKNo SEC red flagsNEWS BOOST ANALYST 0.50EARNINGS PROXIMITY 83d clearSEMI CYCLE PEAK CLEARRange BoundSuitability: Aggressive
RSI
48 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $32.92Resistance $37.75

Price Targets

$33
$37
A.Upside+3.6%
A.R:R0.5:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeCautious

Risk Alerts

! Momentum score 4.4/10 — below 4.5 minimum
! Reward/Risk 0.5:1 at current price — below 1.5:1 minimum

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-07-23 (83d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is DCOM stock a buy right now?

Hold if already holding. Not a fresh buy at $35.61, but acceptable to hold if already in. Reasons: Thin upside margin: 3.8%; Consecutive earnings misses (2). Chart setup: RSI 48 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Target $36.89 (+3.6%), stop $33.10 (−7.6%), A.R:R 0.5:1. Score 6.1/10, moderate confidence.

What is the DCOM stock price target?

Take-profit target: $36.89 (+3.8% upside). Target $36.89 (+3.6%), stop $33.10 (−7.6%), A.R:R 0.5:1. Stop-loss: $33.10.

What are the risks of investing in DCOM?

Thin upside margin: 3.8%; Consecutive earnings misses (2).

Is DCOM overvalued or undervalued?

Dime Community Bancshares, Inc. trades at a P/E of 13.4 (forward 8.2). TrendMatrix value score: 8.1/10. Verdict: Hold.

What do analysts say about DCOM?

11 analysts cover DCOM with a consensus score of 4.1/5. Average price target: $42.

What does Dime Community Bancshares, Inc. do?Dime Community Bancshares, Inc. operates as the holding company for Dime Community Bank that engages in the provision...

Dime Community Bancshares, Inc. operates as the holding company for Dime Community Bank that engages in the provision of various commercial banking and financial services. It accepts time, savings, and demand deposits from the businesses, consumers, and local municipalities. The company offers 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. In addition, it invests in Federal Home Loan Bank, Federal National Mortgage Association, Government National Mortgage Association, and Federal Home Loan Mortgage Corporation mortgage-backed securities, collateralized mortgage obligations, and other asset backed securities; U.S. Treasury securities; New York state and local municipal obligations; U.S. government-sponsored enterprise securities; and corporate bonds. Further, the company offers certificate of deposit account registry services and insured cash sweep programs; federal deposit insurance corporation insurance; 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; investment products and services through a third-party broker dealer; and title insurance broker services for small and medium sized businesses, and municipal and consumer relationships. Dime Community Bancshares, Inc. was founded in 1910 and is headquartered in Hauppauge, New York.

Related stocks: CUBI (Customers Bancorp, Inc) · SSB (SouthState Bank Corporation) · VLY (Valley National Bancorp) · PNFP (Pinnacle Financial Partners, In) · CNOB (ConnectOne Bancorp, Inc.)