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    Dime Commercial Bancshares (DCOM)

    Market Price (9/4/2026): $40.905 | Market Cap: $1.8 BilSector: Financials | Industry: Regional Banks

    Dime Commercial Bancshares (DCOM)

    Market Price (9/4/2026): $40.905
    Market Cap: $1.8 Bil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.7%, Dividend Yield is 2.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.4%, FCF Yield is 11%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -112%

    Strong revenue growth
    Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 37%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 41%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 40%

    Low stock price volatility
    Vol 12M is 29%

    Capital ratio is >2x the minimum of 6%
    Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 12%

    Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Digital Payments, Online Banking & Lending, Show more.

    Trading close to highs
    Dist 52W High is -1.9%, Dist 3Y High is -1.9%

    Key risks
    DCOM key risks include [1] its concentrated exposure to the New York commercial real estate market and [2] challenged profitability due to high operating costs and below-standard growth.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.7%, Dividend Yield is 2.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.4%, FCF Yield is 11%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -112%
    2 Strong revenue growth
    Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 37%
    3 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 41%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 40%
    4 Low stock price volatility
    Vol 12M is 29%
    5 Capital ratio is >2x the minimum of 6%
    Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 12%
    6 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Digital Payments, Online Banking & Lending, Show more.
    7 Trading close to highs
    Dist 52W High is -1.9%, Dist 3Y High is -1.9%
    8 Key risks
    DCOM key risks include [1] its concentrated exposure to the New York commercial real estate market and [2] challenged profitability due to high operating costs and below-standard growth.

    DCOM in ETFs

    Weight = DCOM's share of each fund

    VTI0.00%
    ITOT0.00%
    IWM0.05%
    IJR0.09%
    KRE0.35%
    VIOV0.18%
    SLYV0.18%
    IJS0.18%
    +10 more covered ETFs

    Valuation & Metrics

    FYE: 12/31DCOM [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$489.8 Mil—
    FY 2026 Sales$517.9 Mil—
    FY 2027 Sales$571.5 Mil—
    FY 2026 Sales Growth5.8%—
    FY 2027 Sales Growth10.3%13.1%
    EARNINGS
    LTM Net Income (GAAP) [3]$128.9 Mil—
    FY 2026 Net Income (Non-GAAP)$144.9 Mil—
    FY 2027 Net Income (Non-GAAP)$187.6 Mil—
    FY 2027 Net Income Growth29.4%18.6%
    FY 2026 EPS (Non-GAAP)$3.35—
    FY 2027 EPS (Non-GAAP)$4.34—
    FY 2027 EPS Growth29.6%—
    VALUATION
    FY 2026 P/S3.41.7
    FY 2027 P/S3.1—
    FY 2026 P/E12.27.8
    FY 2027 P/E9.4—

    [1] DCOM forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 9/30/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    DCOMS&P 500
    REVENUE GROWTHGOOD
    Rev LTM ($ Bil)0.5
    Rev Chg Q15.3%9.3%
    Rev Chg LTM36.7%8.3%
    Rev Chg 3Y Avg9.0%5.9%
    PROFITABILITYGOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.2
    Net Inc LTM ($ Bil)0.1
    CFO/Rev LTM41.3%21.8%
    Net Inc Mgn26.3%13.1%
    VALUATIONLOW
    P/S3.63.2
    P/CFO8.715.4
    P/FCF8.919.9
    P/E13.723.2

    AI Analysis | Feedback

    MetricValueDateSource
    Number of Locations5911032025Link
    Loan to Deposit Ratio88.9%9302025Link
    Efficiency Ratio53.8%9302025Link
    Common Equity Tier 1 Ratio11.53%9302025Link
    Year-over-Year Business Loans Growth4091000009302025Link
    Year-over-Year Core Deposits Growth9719000009302025Link
    Ratio of Non-Interest Expense to Average Assets1.73%9302025Link
    Non-Performing Loans721000009302025Link
    Book Value Per Common Share30.449302025Link
    Loan Pipeline120000000010232025Link

    Price Chart

    Upcoming
    10/22/2026Earnings ReleaseRev: $131 Mil (E)
    EPS: $0.87 (E)

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 9/1/2026

    Dime Commercial Bancshares (DCOM) stock has gained about 10% since 5/31/2026 because of the following key factors:

    1. Strong Fiscal Q2 2026 Financial Performance and Improved Asset Quality.

    Dime Commercial Bancshares reported robust financial results for fiscal Q2 2026, which ended June 30, 2026. The company announced a 17.2% year-over-year increase in diluted earnings per share (EPS) to $0.75 and a 15.3% rise in revenue to $126.5 million. Net interest income grew to $115.2 million from $98.1 million in the prior year's comparable quarter, driven by stronger net interest income and loan growth, which also boosted the net interest margin to 3.28% in fiscal Q2 2026 from 2.98% in fiscal Q2 2025. Additionally, the company demonstrated improved asset quality, with non-performing assets decreasing to $69.0 million at June 30, 2026, compared to $95.6 million at March 31, 2026.

    2. Positive Analyst Sentiment and Upgraded Price Targets.

    Analysts maintained a largely optimistic outlook on Dime Commercial Bancshares, contributing to positive investor sentiment. The stock holds a consensus "Buy" rating from analysts, with an average price target of $45.8, suggesting a potential upside of 13.07% from the stock price as of July 24, 2026. Several analysts reiterated their "Buy" ratings and increased price targets, such as KBW's reiteration of a "Buy" with a $47 price target on July 24, 2026, and D.A. Davidson's increase from $39 to $43 on April 27, 2026.

    Show more
    Updated on 9/1/2026

    Dime Commercial Bancshares (DCOM) stock has gained about 10% since 5/31/2026 because of the following key factors:

    1. Strong Fiscal Q2 2026 Financial Performance and Improved Asset Quality.

    Dime Commercial Bancshares reported robust financial results for fiscal Q2 2026, which ended June 30, 2026. The company announced a 17.2% year-over-year increase in diluted earnings per share (EPS) to $0.75 and a 15.3% rise in revenue to $126.5 million. Net interest income grew to $115.2 million from $98.1 million in the prior year's comparable quarter, driven by stronger net interest income and loan growth, which also boosted the net interest margin to 3.28% in fiscal Q2 2026 from 2.98% in fiscal Q2 2025. Additionally, the company demonstrated improved asset quality, with non-performing assets decreasing to $69.0 million at June 30, 2026, compared to $95.6 million at March 31, 2026.

    2. Positive Analyst Sentiment and Upgraded Price Targets.

    Analysts maintained a largely optimistic outlook on Dime Commercial Bancshares, contributing to positive investor sentiment. The stock holds a consensus "Buy" rating from analysts, with an average price target of $45.8, suggesting a potential upside of 13.07% from the stock price as of July 24, 2026. Several analysts reiterated their "Buy" ratings and increased price targets, such as KBW's reiteration of a "Buy" with a $47 price target on July 24, 2026, and D.A. Davidson's increase from $39 to $43 on April 27, 2026.

    3. Favorable Macroeconomic Environment for Regional Banks.

    The broader regional banking sector experienced tailwinds from a "higher for longer" interest rate environment during the period. This scenario generally benefits regional banks like Dime Commercial Bancshares by allowing them to earn more on cash and short-term assets and reprice their loan portfolios at higher rates. Management commentary indicated that DCOM anticipates a significant loan repricing opportunity continuing through 2027. This macroeconomic factor likely played a role in the stock's positive trend, as the State Street S&P Regional Banking ETF (KRE) was noted to be near all-time highs as of mid-July 2026.

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    Stock Movement Drivers

    Fundamental Drivers

    The 10.0% change in DCOM stock from 5/31/2026 to 9/3/2026 was primarily driven by a 5.9% change in the company's P/E Multiple.
    (LTM values as of)53120269032026Change
    Stock Price ($)37.1940.9310.0%
    Change Contribution By: 
    Total Revenues ($ Mil)4734903.5%
    Net Income Margin (%)26.2%26.3%0.6%
    P/E Multiple13.013.75.9%
    Shares Outstanding (Mil)4343-0.3%
    Cumulative Contribution10.0%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    5/31/2026 to 9/3/2026
    ReturnCorrelation
    DCOM10.0% 
    Market (SPY)2.2%16.6%
    Sector (XLF)13.5%53.0%

    Fundamental Drivers

    The 28.2% change in DCOM stock from 2/28/2026 to 9/3/2026 was primarily driven by a 10.5% change in the company's P/E Multiple.
    (LTM values as of)22820269032026Change
    Stock Price ($)31.9340.9328.2%
    Change Contribution By: 
    Total Revenues ($ Mil)4534908.1%
    Net Income Margin (%)24.4%26.3%7.7%
    P/E Multiple12.413.710.5%
    Shares Outstanding (Mil)4343-0.4%
    Cumulative Contribution28.2%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    2/28/2026 to 9/3/2026
    ReturnCorrelation
    DCOM28.2% 
    Market (SPY)13.0%30.3%
    Sector (XLF)14.4%49.2%

    Fundamental Drivers

    The 37.1% change in DCOM stock from 8/31/2025 to 9/3/2026 was primarily driven by a 114.0% change in the company's Net Income Margin (%).
    (LTM values as of)83120259032026Change
    Stock Price ($)29.8540.9337.1%
    Change Contribution By: 
    Total Revenues ($ Mil)35849036.7%
    Net Income Margin (%)12.3%26.3%114.0%
    P/E Multiple29.113.7-52.9%
    Shares Outstanding (Mil)4343-0.4%
    Cumulative Contribution37.1%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    8/31/2025 to 9/3/2026
    ReturnCorrelation
    DCOM37.1% 
    Market (SPY)20.9%31.1%
    Sector (XLF)9.8%53.6%

    Fundamental Drivers

    The 114.7% change in DCOM stock from 8/31/2023 to 9/3/2026 was primarily driven by a 172.1% change in the company's P/E Multiple.
    (LTM values as of)83120239032026Change
    Stock Price ($)19.0640.93114.7%
    Change Contribution By: 
    Total Revenues ($ Mil)40149022.0%
    Net Income Margin (%)36.0%26.3%-26.8%
    P/E Multiple5.013.7172.1%
    Shares Outstanding (Mil)3843-11.7%
    Cumulative Contribution114.7%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    8/31/2023 to 9/3/2026
    ReturnCorrelation
    DCOM114.7% 
    Market (SPY)77.7%42.0%
    Sector (XLF)78.0%58.3%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    DCOM Return50%-7%-12%19%1%37%105%
    Peers Return16%-19%25%0%49%14%99%
    S&P 500 Return27%-19%24%23%16%12%104%

    Monthly Win Rates [3]
    DCOM Win Rate58%42%42%67%50%67% 
    Peers Win Rate33%50%54%46%69%69% 
    S&P 500 Win Rate75%42%67%75%67%44% 

    Max Drawdowns [4]
    DCOM Max Drawdown-16%-24%-53%-35%-29%-13% 
    Peers Max Drawdown-16%-31%-31%-26%-21%-20% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: NEWT, ATLO, FCBM, CBC, NU.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 9/3/2026 (YTD)

    How Low Can It Go

    EventDCOMS&P 500
    2025 US Tariff Shock
      % Loss-23.5%-18.8%
      % Gain to Breakeven30.7%23.1%
      Time to Breakeven146 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-14.0%-9.5%
      % Gain to Breakeven16.3%10.5%
      Time to Breakeven9 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-50.0%-6.7%
      % Gain to Breakeven99.9%7.1%
      Time to Breakeven492 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-18.3%-24.5%
      % Gain to Breakeven22.4%32.4%
      Time to Breakeven63 days427 days
    2020 COVID-19 Crash
      % Loss-43.6%-33.7%
      % Gain to Breakeven77.3%50.9%
      Time to Breakeven314 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-24.9%-19.2%
      % Gain to Breakeven33.2%23.8%
      Time to Breakeven51 days105 days

    Compare to NEWT, ATLO, FCBM, CBC, NU

    In The Past

    Dime Commercial Bancshares's stock fell -23.5% during the 2025 US Tariff Shock. Such a loss loss requires a 30.7% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventDCOMS&P 500
    2025 US Tariff Shock
      % Loss-23.5%-18.8%
      % Gain to Breakeven30.7%23.1%
      Time to Breakeven146 days79 days
    2023 SVB Regional Banking Crisis
      % Loss-50.0%-6.7%
      % Gain to Breakeven99.9%7.1%
      Time to Breakeven492 days31 days
    2020 COVID-19 Crash
      % Loss-43.6%-33.7%
      % Gain to Breakeven77.3%50.9%
      Time to Breakeven314 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-24.9%-19.2%
      % Gain to Breakeven33.2%23.8%
      Time to Breakeven51 days105 days
    2008-2009 Global Financial Crisis
      % Loss-26.4%-53.4%
      % Gain to Breakeven35.8%114.4%
      Time to Breakeven400 days1085 days

    Compare to NEWT, ATLO, FCBM, CBC, NU

    In The Past

    Dime Commercial Bancshares's stock fell -23.5% during the 2025 US Tariff Shock. Such a loss loss requires a 30.7% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About Dime Commercial Bancshares (DCOM)

    Dime Community Bancshares, Inc. (DCOM) operates as the holding company for Dime Community Bank, a commercial bank providing financial services primarily to businesses, consumers, and local municipalities. The bank focuses its operations through 60 branch locations across Long Island and the New York City boroughs of Brooklyn, Queens, Manhattan, and the Bronx.

    A key aspect of Dime Community Bank's business involves accepting various types of deposits, including time, savings, and demand accounts. On the lending side, the bank offers a comprehensive suite of loan products, such as commercial real estate loans, multi-family and residential mortgage loans, secured and unsecured commercial and consumer loans, home equity loans, and construction and land loans.

    Beyond traditional banking, Dime Community Bank also strategically invests in a diverse portfolio of securities, including mortgage-backed securities, U.S. Treasury securities, New York state and local municipal obligations, and corporate bonds. To further serve its clients, the bank provides a range of additional financial services like cash management, merchant processing, online banking, remote deposit capture, safe deposit boxes, and even third-party investment products and title insurance broker services.

    AI Analysis | Feedback

    1. Think of it as a regional version of Wells Fargo, focused on commercial banking and community deposits in the New York City metropolitan area.

    2. Essentially, it's the commercial bank for Long Island and NYC, operating much like a local and business-focused version of Chase Bank.

    3. Imagine a Bank of America, but specifically tailored to serve businesses and local communities across Long Island and the NYC boroughs.

    AI Analysis | Feedback

    • Deposits: The bank accepts various types of deposits, including time, savings, and demand accounts, from businesses, consumers, and local municipalities.
    • Loans: Dime Commercial Bancshares offers a broad portfolio of loans, such as commercial real estate, multi-family, residential, commercial, consumer, home equity, and construction loans.
    • Investment Securities: The company invests in a diversified range of securities, including mortgage-backed securities, U.S. Treasury securities, and state and local municipal obligations.
    • Cash Management & Business Services: It provides essential services for businesses, including merchant card processing, cash management, lockbox processing, and remote deposit capture.
    • Retail Banking Services: For individuals, the bank offers services like automated teller machines, online banking, safe deposit boxes, and individual retirement accounts.
    • Third-Party Investment Services: Customers can access investment products and services through a third-party broker-dealer facilitated by the bank.
    • Title Insurance Broker Services: The company acts as a broker to provide title insurance services.

    AI Analysis | Feedback

    Dime Commercial Bancshares (DCOM) serves a diverse customer base, primarily categorized as follows:

    1. Businesses: This includes a wide range of commercial clients, such as businesses seeking commercial real estate loans, multi-family mortgage loans, secured and unsecured commercial loans, and those utilizing services like merchant credit and debit card processing, cash management services, lockbox processing, and remote deposit capture.

    2. Individuals/Consumers: The bank provides services to individual consumers, including residential mortgage loans, home equity loans, secured and unsecured consumer loans, and various deposit products like savings and demand accounts, as well as individual retirement accounts.

    3. Local Municipalities: Dime Community Bank accepts time, savings, and demand deposits from local government entities within its operating regions.

    AI Analysis | Feedback

    null

    AI Analysis | Feedback

    Following is the management team of Dime Commercial Bancshares, Inc. (DCOM):

    Stuart H. Lubow

    President and Chief Executive Officer Stuart H. Lubow was appointed President and Chief Executive Officer of Dime Community Bank on August 31, 2023, having previously served as President and Chief Operating Officer. With over 30 years of experience in C-suite level positions at regional and community banks, Mr. Lubow is a seasoned banking executive. Before joining Dime in 2017, he was the Founder, Chairman, President, and CEO of several community banks, including Community National Bank and Community State Bank. His objective upon joining Dime was to transform the institution into a vibrant relationship commercial bank.

    Avinash Reddy

    Senior Executive Vice President, Chief Financial Officer and Chief Operating Officer Avinash Reddy became the Chief Financial Officer (CFO) of Dime Community Bancshares, Inc. on February 1, 2021. Prior to this, he served as Senior Executive Vice President and CFO of Legacy Dime starting in 2019, having joined Legacy Dime in 2017 as Senior Vice President, Head of Corporate Development and Treasurer. In October 2025, Mr. Reddy took on the additional title of Chief Operating Officer (COO), further expanding his responsibilities, which since 2024 included oversight of all client-facing deposit businesses, such as the branch network, municipal banking, private client groups, and treasury management. Before his tenure at Dime, Mr. Reddy gained experience in investment banking roles with firms including Evercore Partners (2011-2014), Barclays Capital (2008-2011), and Lehman Brothers (2005-2008).

    Thomas X. Geisel

    Senior Executive Vice President and Chief Commercial Officer Thomas X. Geisel assumed the responsibilities of Chief Commercial Officer at Dime Commercial Bancshares, Inc. as part of executive changes announced in October 2025, succeeding Conrad Gunther. Mr. Geisel joined Dime as Senior Executive Vice President of Commercial Lending. He brings over twenty years of leadership experience in growing regional banks and has a diverse financial services background. Previously, he served as President of Corporate Banking at Webster Bank, which was formerly known as Sterling National Bank.

    AI Analysis | Feedback

    The key risks to Dime Community Bancshares (DCOM) primarily stem from its concentration in the New York commercial real estate market, sensitivity to interest rate fluctuations, and increasing regulatory burdens. Here are the key risks to DCOM:
    1. Concentration in Commercial Real Estate and Credit Quality: Dime Community Bancshares has a significant exposure to commercial real estate (CRE), with non-owner occupied CRE loans representing 447% of its total risk-based capital as of December 31, 2024, which is above the threshold for increased supervisory scrutiny. A substantial portion of its loan portfolio, approximately 48% in 2024, consists of multi-family portfolios, making it vulnerable to New York's rent control and tenant protection laws, which can pressure CRE loan performance. The company also faces litigation risks from loan defaults and foreclosures, and concerns have been raised regarding an inadequate allowance for credit losses compared to the industry average. Furthermore, a softening New York economy or intensifying CRE strains could further pressure loan quality.
    2. Interest Rate Sensitivity and Funding Costs: Fluctuations in capital markets and interest rates directly impact the valuation of Dime Community Bancshares' investment securities, with net unrealized securities losses reported amid higher rates and equity volatility in 2024. The bank faces pressure on its net interest margins due to aggressive deposit pricing strategies by regional competitors, which compel Dime to raise its retail deposit costs. Additionally, competition from government-backed savings vehicles like I-Bonds and Treasuries, particularly during periods of high rates or uncertainty, can lead to increased withdrawal risk for Dime's deposits.
    3. Increased Regulatory Scrutiny and Compliance Costs: Dime Community Bancshares is subject to heightened regulatory oversight, with increased examinations of regional banks leading to higher compliance headcount and costs. Post-election shifts in federal oversight have resulted in revised guidance and a projected uptick in annual compliance spending for similarly sized regional banks. The company's high concentration in non-owner occupied CRE loans could also lead to increased supervisory scrutiny from regulators.

    AI Analysis | Feedback

    The rise of digital-first banks and fintech companies offering a full range of banking and financial services constitutes a clear emerging threat. These entities often operate with significantly lower overhead due to minimal or no physical branch networks, allowing them to offer more competitive rates, lower fees, and a superior digital customer experience. This directly challenges DCOM's traditional branch-based model and its ability to attract and retain customers in an increasingly digitized financial landscape.

    AI Analysis | Feedback

    Addressable Markets for Dime Community Bancshares (DCOM)

    Dime Community Bancshares, Inc. (symbol: DCOM) operates predominantly in Long Island and the New York City boroughs of Brooklyn, Queens, Manhattan, and the Bronx. The addressable markets for its main products and services within this specific region are characterized by significant scale and activity.

    Commercial Real Estate Loans and Multi-family Mortgage Loans (New York City Metropolitan Area and Long Island)

    New York City stands as the largest commercial real estate market in the United States, boasting a commercial property value exceeding $1 trillion across its five boroughs. Within this expansive market, the multifamily sector in New York City alone comprises over 1 million rental apartments. In the third quarter of 2025, the New York City multifamily market saw $3.7 billion in sales volume. Furthermore, the average sales price per unit for all buildings with stabilized units in New York City was $289,478 in 2025, representing an inflation-adjusted increase of 10.5% from the previous year. Across the U.S., total commercial real estate mortgage borrowing and lending was estimated at $498 billion in 2024, with multi-family properties contributing an estimated $326 billion to that total.

    Residential Mortgage Loans (Long Island and New York City)

    The residential mortgage market in Dime's operating region is substantial. Long Island, home to nearly 3 million people, recorded a median home sale price of $745,000 over the last three months. In New York City, the median sales price for homes that were sold in 2023 was $764,000, rising to $785,000 in early 2024. The city also has an estimated 466,000 single-family homes, with approximately 378,000 being owner-occupied.

    Commercial and Consumer Loans (New York City Metropolitan Area and Long Island)

    While precise annual addressable market sizes for new commercial and consumer loan originations specifically within Long Island and the New York City boroughs are not readily available as a single figure, the broader market context indicates significant opportunities. Dime Community Bank primarily targets small-to-mid-sized enterprises (SMEs) with annual revenues between $5 million and $100 million, and mass-affluent households within this metropolitan area. For a broader perspective, the total household debt in New York State reached $869.4 billion in the fourth quarter of 2021. On a global scale, the commercial lending market was valued at $10,923.28 billion in 2025 and is projected to grow to $28,369.38 billion by 2034. The global consumer credit market was valued at $12.5 billion in 2025 and is projected to reach $17.6 billion by 2034, with North America holding a 35% share of the global revenue.

    Deposits (Long Island and New York City Metropolitan Area)

    Dime Community Bank's significant deposit base reflects a substantial and competitive local market for deposits. As of the fourth quarter of 2024, the bank's total deposits amounted to $11.69 billion. The company maintains a leading deposit market share among local banks in Long Island. The FDIC provides tools to analyze deposit market share by specific geographic areas, indicating the existence of comprehensive local deposit market data.

    AI Analysis | Feedback

    Dime Community Bancshares (DCOM) is expected to drive future revenue growth over the next 2-3 years through several strategic initiatives and market opportunities: * Net Interest Margin (NIM) Expansion through Loan Repricing: A significant driver of future revenue growth is the opportunity to reprice a substantial portion of the company's loan portfolio at higher rates. Approximately $1.3 billion of adjustable and fixed-rate loans, with a weighted average rate of 4.10%, are scheduled to reprice or mature in the remainder of 2026. An additional $1.7 billion in loans, at a weighted average rate of 4.30%, are set to reprice in 2027. This repricing opportunity is anticipated to structurally enhance the net interest margin and boost overall earnings power, with management expecting a 20-25 basis point quarterly NIM expansion each year. * Expansion of Commercial Banking Platform and Business Loan Growth: Dime Community Bancshares is actively expanding its commercial banking platform by venturing into new industry verticals. These include healthcare, fund finance, lender finance, sponsor finance, and not-for-profit sectors. Furthermore, the company has launched a new equipment and franchise finance vertical. This strategic expansion is expected to fuel incremental business loan growth, building on the strong performance seen in Q1 2026, where business loans grew by approximately $575 million, marking a 21% year-over-year increase. * Organic Core Deposit Growth and Retention: The company emphasizes organic growth and the retention of core deposits as a key strategic driver for revenue. In Q1 2026, core deposits increased by $1 billion year-over-year. The recruitment of experienced deposit teams, including those from Signature Bank, is projected to be accretive to earnings starting in 2027, further strengthening the company's funding base and contributing to efficient funding management. * Strategic Branch Expansion in Key Markets: Dime Community Bancshares is expanding its physical footprint in strategic urban markets. An example includes leasing a prime location in Williamsburg, Brooklyn, previously occupied by Signature Bank. This new branch, slated to open in the fourth quarter of 2026, aims to deepen the bank's presence in Brooklyn and cater to local businesses, residents, and community organizations with personalized and private banking services. This expansion indicates a commitment to growing customer relationships and deposit activity in core New York City boroughs.

    AI Analysis | Feedback

    Share Repurchases

    • A share repurchase program announced on May 26, 2022, resulted in the repurchase of 589,368 shares, or 1.51% of outstanding shares, for US$17.88 million, completed by the fourth quarter of 2025.
    • On January 26, 2026, the Board reauthorized a share repurchase program, allowing for the repurchase of up to 1,566,947 outstanding common shares remaining under the existing plan.
    • Share buybacks, along with a reliable dividend policy, contributed to maintaining shareholder value during the volatile rate environment and regional banking stresses in 2023–2024.

    Share Issuance

    • In November 2024, Dime Community Bancshares priced a public offering of 3,906,250 shares of its common stock at $32.00 per share, generating aggregate gross proceeds of $125 million.
    • The net proceeds from the November 2024 common stock offering were intended for general corporate purposes, including supporting continued organic growth, working capital, investments in its bank subsidiary, and potential balance sheet optimization strategies.
    • The company underwent a merger of equals with Bridge Bancorp on February 1, 2021, which reshaped its ownership structure.

    Outbound Investments

    • Dime Community Bancshares has pursued geographic expansion, including entering Staten Island in 2023 and the Westchester market in 2024.
    • The company plans to continue expanding its physical footprint into new growth markets, including select areas in New Jersey and Manhattan.
    • In 2026, Dime signed a lease for a new banking space in Williamsburg, Brooklyn, with plans to open in the fourth quarter to further expand its presence in the borough.

    Capital Expenditures

    • The company's expansion strategy involves opening new branches and locations, such as new de novo locations in Manhattan, Lakewood, and Locust Valley.
    • Capital expenditures are implicitly tied to these geographic expansions and branch growth initiatives, aimed at deepening market presence and supporting business growth.
    • Management projects core cash operating expenses, which include the full-year impact of de novo locations, to be between $255 million and $257 million for 2026.

    Peer Outperformance in Regional Banks

    DCOM has trailed 62% of its 263 Regional Banks peers over 5Y. Regional Banks ranks 7th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that DCOM has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    75%
    of 285 industry peers · 38.9% return
    3Y
    69%
    of 274 industry peers · 105.5% return
    5Y
    38%
    of 263 industry peers · 47.3% return
    null
    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is DCOM's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Investment Banking & Brokerage 13 10.4%128.8%144.3% IBKR 492% · SNEX 242% · HOOD 188%
    Reinsurance 6 23.1%85.5%131.0% SPNT 163% · RGA 142% · MTG 132%
    Diversified Banks 12 42.0%132.3%121.2% CM 158% · JPM 157% · RY 146%
    Life & Health Insurance 20 16.7%57.4%98.7% JXN 510% · UNM 325% · FG 227%
    Multi-Sector Holdings 6 3.6%42.8%80.0% JONE 362% · JEF 82% · BRK-B 80%
    Property & Casualty Insurance 42 13.3%76.7%68.5% ASIC 2735900% · HRTG 448% · UVE 304%
    Regional Banks ← 264 27.5%81.6%66.2% GCBC 368% · ESQ 363% · NBN 294%
    Multi-line Insurance 9 13.8%78.1%57.0% GNW 184% · L 104% · SLF 93%
    Consumer Finance 30 10.9%79.5%38.3% ENVA 601% · EZPW 383% · FCFS 170%
    Insurance Brokers 16 -11.2%2.8%27.1% LIFE 587% · AJG 92% · ARX 88%
    Asset Management & Custody Banks 83 -9.7%16.8%20.4% WT 331% · SII 303% · VCTR 290%
    Financial Exchanges & Data 15 2.5%23.2%19.7% VIRT 213% · CBOE 152% · CME 78%
    Diversified Financial Services 4 -0.7%-1.0%15.1% FRHC 158% · EQH 95% · TMS -65%
    Commercial & Residential Mortgage Finance 12 -34.2%15.7%6.5% FNMA 487% · FMCC 469% · ESNT 65%
    Specialized Finance 3 15.8%45.5%-10.3% EFC 34% · CACC -10% · HASI -15%
    Mortgage REITs 33 -9.9%9.6%-13.8% NREF 55% · RITM 51% · DX 39%
    Transaction & Payment Processing Services 15 5.4%1.7%-39.0% MA 77% · V 75% · CPAY 60%
    Diversified Capital Markets 21 -17.8%0.3%-44.3% BTCS 660% · OPY 203% · LPLA 146%
    Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.

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    Financials

    DCOMNEWTATLOFCBMCBCNUMedian
    NameDime Com.NewtekOneAmes Nat.First Ca.Central .Nu  
    Mkt Price40.9312.3132.0512.7432.68-32.05
    Mkt Cap1.80.40.30.37.8-0.4
    Rev LTM490277731321,084-277
    Op Inc LTM-------
    FCF LTM198-7402142475-42
    FCF 3Y Avg140-37317---17
    CFO LTM202-7392245502-45
    CFO 3Y Avg145-37319---19

    Growth & Margins

    DCOMNEWTATLOFCBMCBCNUMedian
    NameDime Com.NewtekOneAmes Nat.First Ca.Central .Nu  
    Rev Chg LTM36.7%7.8%21.3%---21.3%
    Rev Chg 3Y Avg9.0%26.8%8.1%---9.0%
    Rev Chg Q15.3%7.0%18.5%-15.2%-15.2%
    QoQ Delta Rev Chg LTM3.5%1.7%4.3%-3.6%-3.5%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM41.3%-267.4%30.3%34.3%46.3%-34.3%
    CFO/Rev 3Y Avg36.0%-138.6%30.2%---30.2%
    FCF/Rev LTM40.4%-267.5%28.9%32.0%43.8%-32.0%
    FCF/Rev 3Y Avg34.6%-138.7%27.9%---27.9%

    Valuation

    DCOMNEWTATLOFCBMCBCNUMedian
    NameDime Com.NewtekOneAmes Nat.First Ca.Central .Nu  
    Mkt Cap1.80.40.30.37.8-0.4
    P/S3.61.33.92.47.2-3.6
    P/Op Inc-------
    P/EBIT-------
    P/E13.75.412.415.618.2-13.7
    P/CFO8.8-0.512.97.015.6-8.8
    Total Yield9.7%27.4%10.8%6.4%6.8%-9.7%
    Dividend Yield2.4%8.7%2.7%0.0%1.3%-2.4%
    FCF Yield 3Y Avg11.3%-103.1%8.9%---8.9%
    D/E0.41.60.10.40.0-0.4
    Net D/E-1.10.5-1.7-0.0-1.0--1.0

    Returns

    DCOMNEWTATLOFCBMCBCNUMedian
    NameDime Com.NewtekOneAmes Nat.First Ca.Central .Nu  
    1M Rtn-1.9%-20.1%3.7%0.4%-1.7%--1.7%
    3M Rtn9.7%-5.8%10.7%1.1%16.8%-9.7%
    6M Rtn27.7%2.1%21.1%1.1%35.8%-21.1%
    12M Rtn38.9%7.1%69.1%1.1%77.7%-38.9%
    3Y Rtn105.5%-16.2%100.9%1.1%152.6%-100.9%
    1M Excs Rtn-1.8%-19.0%2.8%0.8%-1.1%--1.1%
    3M Excs Rtn7.5%-8.0%8.6%-1.0%14.7%-7.5%
    6M Excs Rtn14.3%-11.4%7.6%-12.3%22.4%-7.6%
    12M Excs Rtn18.7%-13.0%48.9%-19.0%57.6%-18.7%
    3Y Excs Rtn41.1%-92.4%27.0%-71.2%80.4%-27.0%

    Comparison Analyses

    null

    FDIC Bank Data

    Bank Assets

    FDIC Data As Of12312020
    ASSETS 
    Cash Balance ($ Bil)1
    Securities ($ Bil)1
    Net Loans ($ Bil)5
    Trading Assets ($ Bil)0
    Bank Premises Assets ($ Bil)0
    Other Real Estate Owned ($ Bil)0
    Goodwill & Intangibles ($ Bil)0
    Other Assets ($ Bil)0
    Total Assets (Sum) ($ Bil)6
    Total Assets (Reported) ($ Bil)6
    Risk Weighted Assets ($ Bil)4
    SECURITIES DETAILS 
    US Govt Securities ($ Bil)0
    Equity Securities Not Held for Trading ($ Bil)0
    Total Debt Securities ($ Bil)1
    Mortgage-Backed Securities ($ Bil)0
    SECURITIES VALUATION 
    Securities Held to Maturity (Book Value) ($ Bil)0
    Securities Available for Sale (Fair Market) ($ Bil)0

    Bank Loans

    FDIC Data As Of12312020
    LOAN DETAILS 
    All Real Estate Loans ($ Bil)3
    Farm Loans ($ Bil)0
    Commercial and Industrial Loans ($ Bil)1
    Loans to Individuals (CC, revolving credit, auto, other) (non-mortgage) ($ Bil)0
    Commercial Real Estate Loans not Secured by Real Estate ($ Bil)0
    Commercial Real Estate Owner-Occupied ($ Bil)1
    Commercial Real Estate Other Non-Farm Non-Residential ($ Bil)1
    Total Net Loans ($ Bil)5

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q3
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date7/31/20265/1/20262/20/202611/3/20258/5/20255/6/20252/20/202511/5/20248/1/20245/2/20242/22/202411/2/2023
    Key Financials Quarterly            
    Total Revenue126124124116110104578887828384
    Net Income353532283021-201318181615
    EPS0.750.750.680.590.640.45-0.540.290.430.410.370.34
    Key Financials TTM            
    Total Revenue TTM490473453386358336314340337340353376
    Net Income TTM1291241115844332966677696120
    Growth Rates Quarterly            
    Total Revenue Growth15.3%19.3%116.3%32.0%25.6%26.6%-31.0%3.7%-3.7%-13.5%-21.9%-23.1%
    Net Income Growth17.2%61.2%256.1%107.6%60.7%21.3%-225.2%-11.1%-32.8%-52.6%-59.3%-62.0%
    Margins Quarterly            
    Net Income Margin27.5%27.9%25.7%23.9%27.1%20.7%-35.7%15.2%21.2%21.6%19.6%17.8%
    Cash & Debt            
    Total Cash2,6442,7042,3712,2121,1651,0391,9741,4011,2331,2301,3441,229
    Total Debt6567088268298288299798329501,0281,5691,381
    Net Debt / (Cash)-1,988-1,995-1,544-1,384-337-210-995-569-283-202225153
    Cash Flows Quarterly            
    FCF from Operations56484652236589-331331-4086
    Cash Flows TTM            
    FCF from Operations TTM20216918723014413499-309010891179
    Returns to Shareholders Quarterly            
    Dividends11111111111110109999
    Share Repurchases-0-0-0-0-0-0-0-0-0-0-0-0
    Return on Invested Capital (ROIC) Quarterly            
    ROIC----60.6%26.9%--133.8%57.0%12.1%13.3%
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM----22.5%10.3%--122.2%61.6%17.8%26.6%

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Community Banking453314353418400
    Total453314353418400


    Assets by Segment
    $ Mil20252024
    Community Banking15,34214,353
    Total15,34214,353


    Price Behavior

    Price Behavior
    Market Price$40.93 
    Market Cap ($ Bil)1.8 
    First Trading Date06/26/1996 
    Distance from 52W High-1.9% 
       50 Days200 Days
    DMA Price$40.32$35.10
    DMA Trendupup
    Distance from DMA1.5%16.6%
     3M1YR
    Volatility19.0%28.5%
    Downside Capture29.4161.14
    Upside Capture68.6885.40
    Correlation (SPY)13.6%31.1%
    DCOM Betas & Captures as of 8/31/2026

     1M2M3M6M1Y3Y
    Beta0.360.530.150.470.681.03
    Up Beta1.010.35-0.110.400.660.82
    Down Beta-1.22-0.47-0.350.100.620.97
    Up Capture6%69%60%75%74%181%
    Bmk +ve Days10213268138427
    Stock +ve Days9193570131377
    Down Capture35%106%27%44%67%104%
    Bmk -ve Days11213259113324
    Stock -ve Days11222754114361

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with DCOM
    DCOM39.1%28.5%1.15-
    Sector ETF (XLF)10.8%14.6%0.4853.6%
    Equity (SPY)21.2%12.8%1.2331.2%
    Gold (GLD)25.1%29.1%0.773.8%
    Commodities (DBC)42.9%20.4%1.64-24.0%
    Real Estate (VNQ)10.7%13.6%0.5038.9%
    Bitcoin (BTCUSD)-31.0%43.5%-0.7314.0%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with DCOM
    DCOM8.3%37.2%0.30-
    Sector ETF (XLF)10.6%18.4%0.4460.3%
    Equity (SPY)13.1%17.2%0.5845.2%
    Gold (GLD)19.6%18.8%0.850.6%
    Commodities (DBC)11.0%19.5%0.446.8%
    Real Estate (VNQ)2.0%18.9%0.0045.5%
    Bitcoin (BTCUSD)10.5%52.6%0.3814.6%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with DCOM
    DCOM6.6%36.9%0.28-
    Sector ETF (XLF)13.7%22.1%0.5667.4%
    Equity (SPY)15.3%17.9%0.7352.3%
    Gold (GLD)12.5%16.3%0.63-3.5%
    Commodities (DBC)8.0%18.1%0.3615.7%
    Real Estate (VNQ)4.9%20.7%0.2049.2%
    Bitcoin (BTCUSD)63.1%66.1%1.0312.8%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date8142026
    Short Interest: Shares Quantity3.5 Mil
    Short Interest: % Change Since 7312026-3.5%
    Average Daily Volume0.4 Mil
    Days-to-Cover Short Interest9.4 days
    Basic Shares Quantity43.2 Mil
    Short % of Basic Shares8.0%

    Returns Analyses

    Earnings Returns History

    Updated 8/25/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/23/2026-0.6%2.9%2.1%
    4/23/20264.3%-0.8%3.0%
    1/21/20268.6%9.7%12.9%
    10/23/2025-7.5%-11.8%-12.1%
    7/24/2025-0.8%-1.9%-0.6%
    4/22/20252.8%2.0%6.4%
    1/23/2025-2.4%-2.6%-3.7%
    10/22/2024-0.1%5.6%19.1%
    ...
    SUMMARY STATS   
    # Positive111113
    # Negative131311
    Median Positive4.2%2.9%4.5%
    Median Negative-2.4%-2.6%-3.8%
    Max Positive8.6%9.7%26.7%
    Max Negative-12.2%-12.9%-26.0%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/23/2026-0.6%2.9%2.1%
    4/23/20264.3%-0.8%3.0%
    1/21/20268.6%9.7%12.9%
    10/23/2025-7.5%-11.8%-12.1%
    7/24/2025-0.8%-1.9%-0.6%
    4/22/20252.8%2.0%6.4%
    1/23/2025-2.4%-2.6%-3.7%
    10/22/2024-0.1%5.6%19.1%
    7/23/20243.7%3.8%-3.8%
    4/23/20241.9%-1.7%3.4%
    1/26/2024-4.7%-12.9%-26.0%
    10/19/2023-3.0%-9.6%3.7%
    7/28/20234.2%5.1%-2.6%
    4/28/20235.5%-9.4%-12.3%
    1/27/2023-7.6%-4.7%-6.0%
    10/28/20227.2%-1.4%4.5%
    7/29/20224.7%2.2%-0.2%
    4/29/2022-9.7%-6.7%-8.7%
    1/28/2022-0.5%-2.3%-3.2%
    10/29/20213.2%6.7%0.7%
    7/30/2021-0.7%0.5%0.3%
    4/30/2021-0.4%2.5%5.1%
    1/28/2021-12.2%-0.7%9.8%
    10/28/20204.2%1.2%26.7%
    SUMMARY STATS   
    # Positive111113
    # Negative131311
    Median Positive4.2%2.9%4.5%
    Median Negative-2.4%-2.6%-3.8%
    Max Positive8.6%9.7%26.7%
    Max Negative-12.2%-12.9%-26.0%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202607/31/202610-Q
    03/31/202605/01/202610-Q
    12/31/202502/20/202610-K
    09/30/202511/03/202510-Q
    06/30/202508/05/202510-Q
    03/31/202505/06/202510-Q
    12/31/202402/20/202510-K
    09/30/202411/05/202410-Q
    06/30/202408/01/202410-Q
    03/31/202405/02/202410-Q
    12/31/202302/22/202410-K
    09/30/202311/02/202310-Q
    06/30/202308/02/202310-Q
    03/31/202305/08/202310-Q
    12/31/202202/28/202310-K
    09/30/202211/07/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202607/31/202610-Q
    03/31/202605/01/202610-Q
    12/31/202502/20/202610-K
    09/30/202511/03/202510-Q
    06/30/202508/05/202510-Q
    03/31/202505/06/202510-Q
    12/31/202402/20/202510-K
    09/30/202411/05/202410-Q
    06/30/202408/01/202410-Q
    03/31/202405/02/202410-Q
    12/31/202302/22/202410-K
    09/30/202311/02/202310-Q
    06/30/202308/02/202310-Q
    03/31/202305/08/202310-Q
    12/31/202202/28/202310-K
    09/30/202211/07/202210-Q
    06/30/202208/08/202210-Q
    03/31/202205/09/202210-Q
    12/31/202103/01/202210-K
    09/30/202111/09/202110-Q
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    12/31/201903/12/202010-K
    09/30/201911/08/201910-Q

    Insider Activity

    Updated 8/13/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Basswood, Capital Management, Llc See footnoteSell813202641.407,170296,838252,499Form
    2Basswood, Capital Management, Llc See footnoteSell813202640.9632,3351,324,442252,027Form
    3Basswood, Capital Management, Llc See footnoteSell813202640.598,594348,83037,444,519Form
    4Basswood, Capital Management, Llc See footnoteSell813202640.59803,2471,307,201Form
    5Nielsen, Raymond ADirectSell806202641.731,80075,1131,352,029Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Basswood, Capital Management, Llc See footnoteSell813202641.407,170296,838252,499Form
    2Basswood, Capital Management, Llc See footnoteSell813202640.9632,3351,324,442252,027Form
    3Basswood, Capital Management, Llc See footnoteSell813202640.598,594348,83037,444,519Form
    4Basswood, Capital Management, Llc See footnoteSell813202640.59803,2471,307,201Form
    5Nielsen, Raymond ADirectSell806202641.731,80075,1131,352,029Form
    6Basswood, Capital Management, Llc See footnoteSell803202641.1720,687851,684263,323Form
    7Basswood, Capital Management, Llc See footnoteSell803202640.7653,0002,160,280262,494Form
    8Basswood, Capital Management, Llc See footnoteSell803202640.796,187252,36839,838,288Form
    9Basswood, Capital Management, Llc See footnoteSell803202640.794,742193,426274,435Form
    10Basswood, Capital Management, Llc See footnoteSell623202639.0266325,87038,819,359Form
    11Basswood, Capital Management, Llc See footnoteSell623202639.0232,0881,252,074264,751Form
    12Basswood, Capital Management, Llc See FootnotesSell616202639.2914,019550,807276,602Form
    13Basswood, Capital Management, Llc See FootnotesSell616202639.6714,513575,731284,156Form
    14Basswood, Capital Management, Llc See FootnotesSell616202640.084,636185,81140,147,455Form
    15Basswood, Capital Management, Llc See FootnotesSell616202640.0811,234450,259292,223Form
    16Suskind, Dennis ADirectSell610202639.005,000195,0003,396,510Form
    17Suskind, Dennis ADirectSell610202638.755,000193,7503,568,488Form
    18Nielsen, Raymond ADirectSell511202637.091,65061,2011,320,721Form
    19Lubow, Stuart HPresident & CEODirectSell217202635.0719,550685,6977,107,676Form
    20Lubow, Stuart HPresident & CEODirectSell217202635.145,476192,4077,807,260Form
    21Basswood, Capital Management, Llc See footnotesSell203202634.837,500261,22535,050,091Form
    22Basswood, Capital Management, Llc See footnotesSell203202633.9620,339690,71234,429,293Form
    23Wu, JudyEVP General Counsel & Corp SecDirectSell1209202529.8049514,753107,954Form
    24Basswood, Capital Management, Llc See footnoteSell1106202526.2520,537539,09626,607,551Form
    25Basswood, Capital Management, Llc See footnoteBuy1106202526.2620,537539,30227,156,989Form
    26Nielsen, Raymond ADirectSell1103202526.292,20057,838893,457Form
    27Nielsen, Raymond ADirectSell1103202526.612,00053,220962,874Form
    28Basswood, Capital Management, Llc See footnotesSell911202530.339,000272,97031,366,012Form
    29Nielsen, Raymond ADirectSell908202530.921,00030,9201,180,670Form

    Investor Activity (13F)

    Updated Sep 4, 2026
    13F holdings as of Mar 31, 2026 (Q1 2026)

    Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.

    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Ulysses Management LLC$7.6 Mil2.9%28Hold13F
    Active Manager
    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Stieven Capital Advisors, L.P.$9.6 Mil1.8%38Exited13F
    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Ulysses Management LLC$7.6 Mil2.9%28Hold13F

    Industry Resources

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