DCOM Dime Community Bancshares, Inc. /NY/

Overview and Growth

In fiscal 2025, Dime Community Bancshares, Inc. /NY/ recorded $19.91M of revenue and net income of $110.68M. Revenue of $19.91M sets the operating scale against which the bank’s earnings can be considered, particularly in relation to net income, total assets, and the equity capital supporting them. Revenue was 19.0% above fiscal 2024 revenue of $16.73M, marking a year-over-year increase. Diluted earnings per share were $2.36, translating the period’s attributable earnings into the amount reported for each diluted share. Diluted EPS increased by 329.1% from $0.55 in fiscal 2024, showing how the earnings change reached shareholders on a per-share basis. A diluted share base of 43.02M links the aggregate earnings figure to diluted EPS and helps frame the per-share comparison. Diluted shares moved 10.5% from 38.93M in fiscal 2024, leaving the current share base higher year over year. At period end, total assets were $15.34B, framing the scale of the bank’s balance-sheet commitments and providing the base for evaluating earnings returns, capitalization, liquidity, and its shareholder-capital buffer.

Profitability

Bottom-line earnings totaled $110.68M for the fiscal year. Net margin was 556.0%, meaning that this portion of revenue remained as net income after all recognized expenses. Pretax income was $156.80M, isolating the reported earnings outcome before the income-tax provision recognized for the fiscal year. The pretax margin was 787.7%, relating income before taxes directly to revenue. The company recognized $46.12M of income tax for the period, completing the transition from pretax income to net income. Relative to pretax income, the tax provision measured 29.4%, quantifying the portion of pre-tax earnings paid in income tax. The relationship between net income and period-end equity was 7.5%, indicating the profitability achieved on book capital. The net-income-to-assets relationship measured 0.7%, showing earnings relative to the full balance sheet. Current net income of $110.68M was above fiscal 2024 net income of $29.08M, showing the direction of the bottom-line change. Bank earnings depend on a large financial-asset base, making bottom-line profitability and returns on book capital central to the analysis. Considering returns on both assets and equity distinguishes the profitability of the bank’s financial balance sheet from the result earned on shareholder capital and shows how the two perspectives differ.

Liquidity and Capital Structure

The company held $15.34B of assets against $13.87B of liabilities and $1.48B of equity, revealing how the asset base was financed. Reported cash and equivalents were $2.35B, separating immediately recognizable cash resources from the rest of the current-asset base. Equity equaled 9.6% of assets, showing the shareholder-capital layer within the company’s balance sheet. The liabilities-to-assets relationship was 90.4%, placing reported obligations against the full positive asset balance. Measured against total assets, cash and equivalents represented 15.3%, a balance-sheet composition measure rather than a liquidity forecast. The asset base changed 6.9% from $14.35B in fiscal 2024, leaving current total assets higher year over year. Against $1.40B of equity in fiscal 2024, the current book-equity balance moved 5.7% and ended higher. The reported cash balance changed 83.4% from $1.28B in fiscal 2024, ending higher year over year. For a bank, the equity-to-assets relationship shows the shareholder-capital buffer supporting a balance sheet funded primarily through liabilities. For a bank, asset growth describes the changing scale of the financial balance sheet, and equity growth shows whether the shareholder-capital layer moved in the same direction.

Based on the annual report for the fiscal year ending Dec 31, 2025. Analysis generated Sep 24, 2026.