Dime Community Bancshares (DCOM)
Market Price (5/7/2026): $37.19 | Market Cap: $1.6 BilSector: Financials | Industry: Regional Banks
Dime Community Bancshares (DCOM)
Market Price (5/7/2026): $37.19Market Cap: $1.6 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, Dividend Yield is 2.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.2%, FCF Yield is 10% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -124% Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 41% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 36%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 35% Low stock price volatilityVol 12M is 31% 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 driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Digital Payments, Online Banking & Lending, Show more. | Trading close to highsDist 52W High is -0.4%, Dist 3Y High is -0.4% Meaningful short interestShort Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 11.38 | Key risksDCOM 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. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, Dividend Yield is 2.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.2%, FCF Yield is 10% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -124% |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 41% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 36%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 35% |
| Low stock price volatilityVol 12M is 31% |
| 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 driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Digital Payments, Online Banking & Lending, Show more. |
| Trading close to highsDist 52W High is -0.4%, Dist 3Y High is -0.4% |
| Meaningful short interestShort Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 11.38 |
| Key risksDCOM 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. |
Qualitative Assessment
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1. Strong Q1 2026 Financial Performance: Dime Community Bancshares reported robust first-quarter 2026 results with revenue of $123.6 million, exceeding analyst estimates by 0.9%, and net interest income of $112.3 million, beating estimates by 0.8%. Diluted earnings per share (EPS) also saw a significant increase, rising 10% sequentially and 67% year-over-year to $0.75. The company's net interest margin improved to 3.21%, and its Tier 1 Common Equity Ratio strengthened to 11.87%, signaling improved profitability and capital health.
2. Positive Analyst Sentiment and Price Target Upgrades: Analysts maintained a "Moderate Buy" or "Buy" consensus rating for DCOM, with an average price target ranging from $37.25 to $42.40. Several firms, including DA Davidson and Keefe, Bruyette & Woods, upgraded their price targets in April 2026 to $43.00, reflecting optimism. Analysts also forecast strong EPS growth for Dime, with projections of 27% in 2026 and 31% in 2027, positioning it for peer-leading growth.
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Stock Movement Drivers
Fundamental Drivers
The 10.1% change in DCOM stock from 1/31/2026 to 5/6/2026 was primarily driven by a 73.1% change in the company's Net Income Margin (%).| (LTM values as of) | 1312026 | 5062026 | Change |
|---|---|---|---|
| Stock Price ($) | 33.78 | 37.19 | 10.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 386 | 473 | 22.4% |
| Net Income Margin (%) | 15.1% | 26.2% | 73.1% |
| P/E Multiple | 24.9 | 12.9 | -48.0% |
| Shares Outstanding (Mil) | 43 | 43 | -0.1% |
| Cumulative Contribution | 10.1% |
Market Drivers
1/31/2026 to 5/6/2026| Return | Correlation | |
|---|---|---|
| DCOM | 10.1% | |
| Market (SPY) | 3.6% | 37.7% |
| Sector (XLF) | -2.5% | 55.4% |
Fundamental Drivers
The 43.8% change in DCOM stock from 10/31/2025 to 5/6/2026 was primarily driven by a 112.8% change in the company's Net Income Margin (%).| (LTM values as of) | 10312025 | 5062026 | Change |
|---|---|---|---|
| Stock Price ($) | 25.86 | 37.19 | 43.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 358 | 473 | 32.0% |
| Net Income Margin (%) | 12.3% | 26.2% | 112.8% |
| P/E Multiple | 25.2 | 12.9 | -48.7% |
| Shares Outstanding (Mil) | 43 | 43 | -0.2% |
| Cumulative Contribution | 43.8% |
Market Drivers
10/31/2025 to 5/6/2026| Return | Correlation | |
|---|---|---|
| DCOM | 43.8% | |
| Market (SPY) | 5.5% | 36.9% |
| Sector (XLF) | -0.2% | 53.8% |
Fundamental Drivers
The 49.6% change in DCOM stock from 4/30/2025 to 5/6/2026 was primarily driven by a 182.7% change in the company's Net Income Margin (%).| (LTM values as of) | 4302025 | 5062026 | Change |
|---|---|---|---|
| Stock Price ($) | 24.86 | 37.19 | 49.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 314 | 473 | 50.6% |
| Net Income Margin (%) | 9.3% | 26.2% | 182.7% |
| P/E Multiple | 34.9 | 12.9 | -62.9% |
| Shares Outstanding (Mil) | 41 | 43 | -5.4% |
| Cumulative Contribution | 49.6% |
Market Drivers
4/30/2025 to 5/6/2026| Return | Correlation | |
|---|---|---|
| DCOM | 49.6% | |
| Market (SPY) | 30.4% | 42.2% |
| Sector (XLF) | 8.0% | 58.4% |
Fundamental Drivers
The 103.2% change in DCOM stock from 4/30/2023 to 5/6/2026 was primarily driven by a 183.2% change in the company's P/E Multiple.| (LTM values as of) | 4302023 | 5062026 | Change |
|---|---|---|---|
| Stock Price ($) | 18.30 | 37.19 | 103.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 418 | 473 | 13.2% |
| Net Income Margin (%) | 36.5% | 26.2% | -28.3% |
| P/E Multiple | 4.6 | 12.9 | 183.2% |
| Shares Outstanding (Mil) | 38 | 43 | -11.6% |
| Cumulative Contribution | 103.2% |
Market Drivers
4/30/2023 to 5/6/2026| Return | Correlation | |
|---|---|---|
| DCOM | 103.2% | |
| Market (SPY) | 78.7% | 42.4% |
| Sector (XLF) | 64.0% | 59.6% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| DCOM Return | 50% | -7% | -12% | 19% | 1% | 22% | 83% |
| Peers Return | 84% | -21% | 21% | 4% | 25% | 11% | 154% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 6% | 93% |
Monthly Win Rates [3] | |||||||
| DCOM Win Rate | 58% | 42% | 42% | 67% | 50% | 80% | |
| Peers Win Rate | 75% | 42% | 55% | 50% | 62% | 68% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 60% | |
Max Drawdowns [4] | |||||||
| DCOM Max Drawdown | 0% | -17% | -50% | -34% | -21% | -2% | |
| Peers Max Drawdown | -1% | -26% | -38% | -24% | -17% | -4% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: WBS, MTB, VLY, CUBI, FFIC.
[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 5/6/2026 (YTD)
How Low Can It Go
| Event | DCOM | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -23.5% | -18.8% |
| % Gain to Breakeven | 30.7% | 23.1% |
| Time to Breakeven | 146 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -14.0% | -9.5% |
| % Gain to Breakeven | 16.3% | 10.5% |
| Time to Breakeven | 9 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -50.0% | -6.7% |
| % Gain to Breakeven | 99.9% | 7.1% |
| Time to Breakeven | 492 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -18.3% | -24.5% |
| % Gain to Breakeven | 22.4% | 32.4% |
| Time to Breakeven | 63 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -43.6% | -33.7% |
| % Gain to Breakeven | 77.3% | 50.9% |
| Time to Breakeven | 314 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -24.9% | -19.2% |
| % Gain to Breakeven | 33.2% | 23.7% |
| Time to Breakeven | 51 days | 105 days |
In The Past
Dime Community 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
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Asset Allocation
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| Event | DCOM | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -23.5% | -18.8% |
| % Gain to Breakeven | 30.7% | 23.1% |
| Time to Breakeven | 146 days | 79 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -50.0% | -6.7% |
| % Gain to Breakeven | 99.9% | 7.1% |
| Time to Breakeven | 492 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -43.6% | -33.7% |
| % Gain to Breakeven | 77.3% | 50.9% |
| Time to Breakeven | 314 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -24.9% | -19.2% |
| % Gain to Breakeven | 33.2% | 23.7% |
| Time to Breakeven | 51 days | 105 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -26.4% | -53.4% |
| % Gain to Breakeven | 35.8% | 114.4% |
| Time to Breakeven | 400 days | 1085 days |
In The Past
Dime Community 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 Community Bancshares (DCOM)
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A community-focused Bank of America for Long Island and New York City.
JPMorgan Chase for New York's residential and commercial real estate market.
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- Deposit Accounts: Accepts time, savings, and demand deposits from businesses, consumers, and local municipalities.
- Lending Services: Offers commercial real estate, multi-family, residential mortgage, home equity, construction, and other secured and unsecured commercial and consumer loans.
- Treasury & Business Services: Provides merchant credit/debit card processing, cash management services, lockbox processing, and certificate of deposit account registry services.
- Digital Banking & Access: Delivers online banking, remote deposit capture, automated teller machines, and safe deposit boxes.
- Wealth Management & Retirement Services: Offers individual retirement accounts and investment products and services through a third-party broker dealer.
- Title Insurance Brokerage: Provides title insurance broker services.
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Dime Community Bancshares (DCOM) serves a diverse customer base, primarily within its geographic footprint of Long Island and the New York City boroughs. The company's major customers fall into the following categories:
- Businesses: This category includes various commercial entities, small to medium-sized enterprises (SMEs), real estate developers, property owners, and merchants. The bank provides them with commercial real estate loans, multi-family mortgage loans, secured and unsecured commercial loans, construction and land loans, business deposits, merchant services, cash management, lockbox processing, and remote deposit capture.
- Consumers (Individuals): This category encompasses residents, homeowners, and individuals seeking personal banking services. The bank offers consumer deposits (time, savings, and demand), residential mortgage loans, secured and unsecured consumer loans, home equity loans, individual retirement accounts, and online banking services.
- Local Municipalities: The bank accepts deposits from local government entities within its service area.
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The management team of Dime Community Bancshares (DCOM) includes the following members:Stuart Lubow, President and Chief Executive Officer
Stuart Lubow was named President and Chief Executive Officer of Dime Community Bank on August 31, 2023. He joined Dime in 2017, serving as Senior Executive Vice President and Head of Business Banking, and later as President and Chief Operating Officer, responsible for Operations and Commercial & Retail Banking. With over 30 years of experience in C-suite level positions at regional and community banks, Mr. Lubow previously served as the Founder, Chairman, President, and CEO of both Community National Bank and Community State Bank. He also held executive positions at Garden State Bank, Dollar Dry Dock Bank, and People's Bank, N.A. Mr. Lubow is a graduate of Moravian College, where he earned a Bachelor of Arts degree in Accounting.
Avinash Reddy, Senior Executive Vice President, Chief Operating Officer and Chief Financial Officer
Avinash Reddy became the Chief Financial Officer of Dime Community Bancshares in February 2021. He joined Legacy Dime in 2017 as Senior Vice President, Head of Corporate Development and Treasurer. In 2024, his role was expanded to include oversight of all client-facing deposit businesses, including the branch network, municipal banking, private client groups, and treasury management, and he will take on the additional title of Chief Operating Officer. Prior to joining Dime, Mr. Reddy held several investment banking roles with firms such as Evercore Partners (2011-2014), Barclays Capital (2008-2011), and Lehman Brothers (2005-2008).
Thomas Geisel, Senior Executive Vice President, Chief Commercial Officer
Thomas Geisel was appointed Senior Executive Vice President and Chief Commercial Officer in October 2025, having joined Dime Community Bancshares in February 2025.
Michael Fegan, Senior Executive Vice President and Chief Technology & Operations Officer
Michael Fegan joined Legacy Dime in 2019 as Executive Vice President and Chief Technology Officer and was promoted to Senior Executive Vice President and Chief Technology and Operations Officer in April 2023. His prior experience includes serving as Chief Information and Operations Officer of Investors Bank from 2017 to 2019, and as Chief Operations and Technology Officer and Executive Vice President at Bank Leumi from 2013 to 2017. He also held the position of Chief Information Officer for Suffolk County National Bank from 2011 to 2013. Mr. Fegan is a graduate of Northwestern University.
Robert Maichin, Executive Vice President, Head of Middle Market Lending
Robert Maichin has served as Executive Vice President and Head of Middle Market Lending at Dime Community Bank since April 2022. Before joining Dime, he was the President of the Northeast Market at Bank Leumi USA from July 2016 to April 2022. His career also includes roles as Executive Director and Market Executive in Commercial Banking at JPMorgan Chase & Co. (October 2012 to July 2016) and Senior Vice President in Commercial Banking at Wells Fargo Bank (September 2007 to October 2012). Earlier in his career, he held Vice President positions at TD, JPMorgan Chase & Co., and ABN AMRO Bank N.V. - European American Bank. Mr. Maichin holds a Bachelor's Degree in Business Administration and Management, General from the State University of New York at Oswego.
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The key risks to Dime Community Bancshares' (DCOM) business are primarily related to its geographic and commercial real estate loan concentration, exposure to interest rate fluctuations and broader economic conditions, and intense competition within its operating markets.
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Geographic and Commercial Real Estate Loan Concentration: A substantial portion of Dime Community Bancshares' loan portfolio is concentrated in the Greater Long Island and Manhattan areas, encompassing commercial, multifamily, and residential real estate loans. This geographic and asset class concentration exposes the company to significant risk. An economic downturn or a decline in real estate values within these specific regions could disproportionately affect the company's loan performance and overall financial health. Furthermore, regulatory changes such as rent control or stabilization legislation in New York State could negatively impact the ability of multifamily real estate borrowers to repay their loans, directly affecting the bank.
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Interest Rate Fluctuations and Broader Economic Conditions: Dime Community Bancshares' financial performance is highly susceptible to prevailing economic and market conditions, including changes in interest rates, inflation, and housing market dynamics. Adverse shifts in these conditions could lead to increased loan delinquencies, reduced demand for banking services, and pressure on the company's net interest margins, thereby impacting profitability and growth prospects. The uncertain interest rate environment remains a persistent factor for financial institutions like DCOM.
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Intense Competition: Dime Community Bancshares operates in a highly competitive banking environment, facing rivalry from larger financial institutions that possess more extensive resources and broader geographic reach. These larger competitors may offer more attractive rates and services, potentially limiting DCOM's ability to grow its market share. Additionally, the fixed costs associated with regulatory compliance can be more burdensome for a community bank of DCOM's size compared to larger banks that benefit from economies of scale. The need to attract and retain deposits, particularly core deposits, is a constant challenge in this competitive landscape.
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The clear emerging threat for Dime Community Bancshares (DCOM) is the rapid growth and increasing market penetration of **digital-only banks and financial technology (fintech) companies**.
These entities operate with significantly lower overheads, bypassing the need for physical branch networks, and offer highly competitive rates, lower fees, and superior digital user experiences. They directly compete with DCOM for deposits and loans by leveraging advanced technology for customer acquisition, online banking, mobile applications, faster loan approvals, and personalized financial services. This disruption challenges the traditional branch-based banking model and the customer relationships that community banks like DCOM rely on, potentially eroding their market share and net interest margins over time.
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Dime Community Bancshares (NASDAQ: DCOM) is expected to drive future revenue growth over the next 2-3 years through several key initiatives:- Net Interest Margin (NIM) Expansion and Loan Repricing Opportunities: The company anticipates modest Net Interest Margin (NIM) expansion in the first half of 2026, with more substantial growth projected in the latter half of 2026 and into 2027. This expansion is largely attributed to significant repricing opportunities within its existing loan portfolio, including approximately $1.4 billion in loans at an average rate of 4% to reprice in 2026 and another $1.7 billion at 4.25% in 2027. This repricing is expected to lead to a structurally higher NIM over time.
- Business Loan Growth and Expansion into New Industry Verticals: Dime Community Bancshares has demonstrated strong business loan growth, with over $500 million year-over-year in Q4 2025. The company is strategically expanding its commercial banking platform into new industry verticals and regions, focusing on areas such as healthcare, fund finance, lender finance, sponsor, and not-for-profit sectors, which are positioned to fuel incremental business loan growth.
- Strong Core Deposit Growth: The company has shown robust core deposit growth, with total deposits increasing by approximately $800 million from the previous quarter in Q4 2025 and $1.2 billion year-over-year. This strong deposit franchise in the Metro New York area, coupled with a focus on maintaining a significant portion of non-interest-bearing deposits, provides a stable and cost-effective funding source for its lending activities.
- Geographic Expansion: Strategic geographic expansion, including new branch locations and banking teams in areas such as Manhattan and New Jersey, has contributed to the company's growth and is expected to continue bolstering its performance. These new locations and hires made throughout 2025 are included in the company's projected core cash operating expenses for 2026, indicating their role in future growth.
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Share Repurchases
- Dime's Board of Directors reauthorized a share repurchase program for up to 1,566,947 common shares on January 26, 2026.
- The reauthorization of the share repurchase program indicates the company's confidence in its stock value and its ongoing commitment to returning capital to shareholders.
Share Issuance
- Dime Community Bancshares' capital structure includes common stock (DCOM), Series A preferred stock (DCOMP), and junior subordinated notes (DCOMG).
Capital Expenditures
- Core cash operating expenses, which include capital expenditures for growth initiatives, are projected to be between $255 million and $257 million for 2026.
- The primary focus for these expenditures includes the full-year impact of newly opened DeNovo locations in Manhattan, Lakewood, and Locust Valley.
- Additionally, these expenses cover the costs associated with all private and commercial banking teams hired throughout 2025.
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Research & Analysis
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 55.27 |
| Mkt Cap | 5.1 |
| Rev LTM | 1,414 |
| Op Inc LTM | - |
| FCF LTM | 339 |
| FCF 3Y Avg | 295 |
| CFO LTM | 419 |
| CFO 3Y Avg | 339 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 13.8% |
| Rev Chg 3Y Avg | 5.3% |
| Rev Chg Q | 16.7% |
| QoQ Delta Rev Chg LTM | 3.9% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 35.3% |
| CFO/Rev 3Y Avg | 34.5% |
| FCF/Rev LTM | 33.6% |
| FCF/Rev 3Y Avg | 28.3% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 5.1 |
| P/S | 3.4 |
| P/Op Inc | - |
| P/EBIT | - |
| P/E | 12.3 |
| P/CFO | 9.4 |
| Total Yield | 10.7% |
| Dividend Yield | 2.7% |
| FCF Yield 3Y Avg | 9.9% |
| D/E | 0.5 |
| Net D/E | -0.9 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 6.6% |
| 3M Rtn | 1.0% |
| 6M Rtn | 23.8% |
| 12M Rtn | 50.9% |
| 3Y Rtn | 118.8% |
| 1M Excs Rtn | -5.3% |
| 3M Excs Rtn | -6.0% |
| 6M Excs Rtn | 16.5% |
| 12M Excs Rtn | 18.4% |
| 3Y Excs Rtn | 33.5% |
Price Behavior
| Market Price | $37.19 | |
| Market Cap ($ Bil) | 1.6 | |
| First Trading Date | 06/26/1996 | |
| Distance from 52W High | -0.4% | |
| 50 Days | 200 Days | |
| DMA Price | $34.11 | $30.71 |
| DMA Trend | up | up |
| Distance from DMA | 9.0% | 21.1% |
| 3M | 1YR | |
| Volatility | 28.1% | 31.4% |
| Downside Capture | 0.40 | 0.40 |
| Upside Capture | 74.92 | 98.37 |
| Correlation (SPY) | 37.1% | 41.5% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.55 | 0.55 | 0.69 | 0.81 | 1.06 | 1.11 |
| Up Beta | 0.60 | 0.51 | 0.47 | 0.63 | 1.26 | 0.87 |
| Down Beta | 2.42 | 0.90 | 0.79 | 0.93 | 1.21 | 0.99 |
| Up Capture | 61% | 74% | 88% | 128% | 98% | 248% |
| Bmk +ve Days | 15 | 22 | 31 | 66 | 141 | 428 |
| Stock +ve Days | 13 | 23 | 34 | 66 | 129 | 367 |
| Down Capture | -67% | 16% | 62% | 51% | 86% | 107% |
| Bmk -ve Days | 4 | 18 | 30 | 56 | 108 | 321 |
| Stock -ve Days | 8 | 19 | 29 | 56 | 119 | 375 |
[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 | |
|---|---|---|---|---|
| DCOM | 45.3% | 31.4% | 1.21 | - |
| Sector ETF (XLF) | 6.5% | 14.6% | 0.21 | 57.9% |
| Equity (SPY) | 28.5% | 12.5% | 1.78 | 41.5% |
| Gold (GLD) | 40.6% | 27.2% | 1.23 | -2.3% |
| Commodities (DBC) | 50.9% | 18.0% | 2.20 | -13.2% |
| Real Estate (VNQ) | 12.8% | 13.5% | 0.65 | 41.6% |
| Bitcoin (BTCUSD) | -14.2% | 42.1% | -0.25 | 18.9% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with DCOM | |
|---|---|---|---|---|
| DCOM | 6.2% | 37.5% | 0.25 | - |
| Sector ETF (XLF) | 9.1% | 18.6% | 0.37 | 61.1% |
| Equity (SPY) | 12.7% | 17.1% | 0.58 | 45.9% |
| Gold (GLD) | 21.0% | 17.9% | 0.96 | 0.6% |
| Commodities (DBC) | 13.9% | 19.1% | 0.60 | 10.1% |
| Real Estate (VNQ) | 3.5% | 18.8% | 0.09 | 45.4% |
| Bitcoin (BTCUSD) | 8.7% | 56.1% | 0.37 | 13.6% |
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 | |
|---|---|---|---|---|
| DCOM | 5.4% | 36.9% | 0.25 | - |
| Sector ETF (XLF) | 12.5% | 22.2% | 0.52 | 67.6% |
| Equity (SPY) | 14.9% | 17.9% | 0.71 | 52.8% |
| Gold (GLD) | 13.7% | 16.0% | 0.71 | -4.8% |
| Commodities (DBC) | 9.5% | 17.7% | 0.45 | 17.5% |
| Real Estate (VNQ) | 5.7% | 20.7% | 0.24 | 48.9% |
| Bitcoin (BTCUSD) | 68.4% | 66.9% | 1.07 | 12.7% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/23/2026 | 4.3% | -0.8% | |
| 1/21/2026 | 8.6% | 9.7% | 12.9% |
| 10/23/2025 | -7.5% | -11.8% | -12.1% |
| 7/24/2025 | -0.8% | -1.9% | -0.6% |
| 4/22/2025 | 2.8% | 2.0% | 6.4% |
| 1/23/2025 | -2.4% | -2.6% | -3.7% |
| 10/22/2024 | -0.1% | 5.6% | 19.1% |
| 7/23/2024 | 3.7% | 3.8% | -3.8% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 12 | 11 | 12 |
| # Negative | 12 | 13 | 11 |
| Median Positive | 4.3% | 3.8% | 5.8% |
| Median Negative | -2.7% | -2.6% | -3.8% |
| Max Positive | 8.6% | 9.7% | 26.7% |
| Max Negative | -12.2% | -12.9% | -26.0% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/01/2026 | 10-Q |
| 12/31/2025 | 02/20/2026 | 10-K |
| 09/30/2025 | 11/03/2025 | 10-Q |
| 06/30/2025 | 08/05/2025 | 10-Q |
| 03/31/2025 | 05/06/2025 | 10-Q |
| 12/31/2024 | 02/20/2025 | 10-K |
| 09/30/2024 | 11/05/2024 | 10-Q |
| 06/30/2024 | 08/01/2024 | 10-Q |
| 03/31/2024 | 05/02/2024 | 10-Q |
| 12/31/2023 | 02/22/2024 | 10-K |
| 09/30/2023 | 11/02/2023 | 10-Q |
| 06/30/2023 | 08/02/2023 | 10-Q |
| 03/31/2023 | 05/08/2023 | 10-Q |
| 12/31/2022 | 02/28/2023 | 10-K |
| 09/30/2022 | 11/07/2022 | 10-Q |
| 06/30/2022 | 08/08/2022 | 10-Q |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Lubow, Stuart H | President & CEO | Direct | Sell | 2172026 | 35.07 | 19,550 | 685,697 | 7,107,676 | Form |
| 2 | Lubow, Stuart H | President & CEO | Direct | Sell | 2172026 | 35.14 | 5,476 | 192,407 | 7,807,260 | Form |
| 3 | Basswood, Capital Management, Llc | See footnotes | Sell | 2032026 | 34.83 | 7,500 | 261,225 | 35,050,091 | Form | |
| 4 | Basswood, Capital Management, Llc | See footnotes | Sell | 2032026 | 33.96 | 20,339 | 690,712 | 34,429,293 | Form | |
| 5 | Wu, Judy | EVP General Counsel & Corp Sec | Direct | Sell | 12092025 | 29.80 | 495 | 14,753 | 107,954 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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