Dime Community Bancshares Reports Q4 Revenue of $124 Million, Net Income Up 388% YoY
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 21 2026
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Source: Newsfilter
- Record Revenue: Dime Community Bank achieved a record revenue of $124 million in Q4 2025, showcasing strong market performance and ongoing business growth potential.
- Significant Net Income Growth: The net income for Q4 2025 was $30 million, translating to $0.68 per diluted share, marking a substantial turnaround from a net loss of $22.2 million in Q4 2024, reflecting successful strategic execution.
- Core Deposits and Loan Growth: Core deposits increased by approximately $800 million quarter-over-quarter, while business loans grew by over $177.9 million, indicating significant progress in customer acquisition and loan portfolio expansion.
- Efficiency Improvement: The efficiency ratio improved to 52.6% in Q4, down from 53.8% in the previous quarter, demonstrating the company's ongoing efforts in cost control and operational efficiency.
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Analyst Views on DCOM
Wall Street analysts forecast DCOM stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for DCOM is 36.25 USD with a low forecast of 33.00 USD and a high forecast of 42.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
4 Analyst Rating
3 Buy
1 Hold
0 Sell
Strong Buy
Current: 33.890
Low
33.00
Averages
36.25
High
42.00
Current: 33.890
Low
33.00
Averages
36.25
High
42.00
About DCOM
Dime Community Bancshares, Inc. is a bank holding company. The Company is engaged in providing commercial banking and financial services through its wholly owned subsidiary, Dime Community Bank (the Bank). The Bank is engaged in providing full-service commercial and consumer banking services, including accepting time, savings and demand deposits from businesses, consumers, and local municipalities. It also offers the Certificate of Deposit Account Registry Service (CDARS) and Insured Cash Sweep (ICS) programs. In addition, it offers 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, as well as investment services through Dime Financial Services LLC. Through its title insurance subsidiary, the Bank acts as a broker for title insurance services.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Dime Community Bancshares Plans to Redeem Debentures
- Debt Redemption Plan: Dime Community Bancshares plans to redeem $40 million of fixed/floating subordinated debentures on March 30, 2026, reflecting the company's strong capital position and liquidity, with the redemption expected to be funded by cash on hand, thereby enhancing EPS.
- Capital Management Strategy: This redemption is part of the company's ongoing capital management strategy aimed at optimizing its capital structure and enhancing financial flexibility, further solidifying its market position.
- Share Repurchase Authorization: The company has reauthorized its share repurchase program, allowing for the buyback of up to 1,566,947 shares of its common stock, demonstrating confidence in its stock value and potentially increasing shareholder returns.
- Positive Market Reaction: Following the announcement, Dime Community Bancshares' stock rose 3% in premarket trading to $33.8, reflecting investor recognition of the company's financial health.
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Dime Community Bancshares (DCOM) Reports Q4 2025 Core EPS of $0.79, Up 88%
- Core Earnings Surge: Dime Community Bancshares reported a core EPS of $0.79 for Q4 2025, reflecting an impressive 88% year-over-year increase driven by record total revenues of $124 million, showcasing the company's robust profitability and competitive market position.
- Significant Loan Growth: The company experienced over $175 million in linked-quarter growth in business loans and over $500 million year-over-year, indicating effective execution in expanding its loan portfolio and meeting client demands, further solidifying its market presence.
- Clear Strategic Focus: Management anticipates modest NIM expansion in 2026 and plans to reprice approximately $1.4 billion of adjustable and fixed-rate loans over the next two years, providing strong support for revenue growth and aiming for a sub-50% efficiency ratio.
- Effective Cost Control: Core cash operating expenses for Q4 were reported at $62.3 million, below guidance, while the cost of deposits declined to 1.85%, demonstrating the company's effectiveness in cost management and resource allocation, laying a solid foundation for future profitability.
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