DCOM at a glance
Dime Community Bancshares, Inc. /NY/ (DCOM, SEC CIK 846617) filed its latest 10-K annual report on February 20, 2026, a 10-Q quarterly report on July 31, 2026, an 8-K current report on September 24, 2026 and Form 4 insider filings as recently as October 6, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Dime Community Bancshares, Inc. /NY/ (DCOM) reported revenue of $19.9 million (up 19.0% from FY2024) and net income of $110.7 million. Diluted EPS was $2.36.
- The most recent insider open-market sale reported on Form 4 was by BASSWOOD CAPITAL MANAGEMENT, L.L.C. on August 13, 2026 of 54 shares at $41.40 per share.
- In the last 90 days, DCOM insiders reported 0 open-market purchases ($0) and 28 open-market sales ($5.5M) on Form 4, a net sale of $5.5M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $19.9M
- +19.0% vs prior year
- Insiders · 90 days
- 0 buys · 28 sells
- Net −$5.5M
- Latest 8-K
- Sep 24, 2026
- Item 8.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core commercial banking model focused on serving small to medium businesses, municipalities, and consumers in Greater New York and New Jersey
- Emphasis on title insurance brokerage via wholly-owned Dime Abstract LLC as a complementary service
- Employee count increased to 902 full-time equivalents as of December 31, 2025, reflecting workforce scale in regional footprint
- Continued investment in workforce diversity, inclusion, and professional development including 8-week internship program targeting local college students
- 63 branch locations operated across Long Island, NYC boroughs, Westchester, and New Jersey marking stable geographic coverage
Risk Factors
- Regulatory risk: Increased restrictions under NY rent regulation laws, including 2025 rent increase caps at 3% (one-year lease) and 4.5% (two-year lease) affect loan collateral cash flows
- Geopolitical/macro risk: Loan portfolio concentrated in Greater Long Island and Manhattan with $3.24B in business loans (30.1% total loans), vulnerable to local economic downturns
- Operational risk: Non-owner occupied commercial real estate loans at 387% of total risk-based capital risk triggering heightened regulatory CRE scrutiny per 2006 CRE Guidance
- Competitive risk: Intense regional competition from banks with greater resources offering more attractive loan and deposit products threatens market share and profitability
- Financial risk: $274.8M subordinated debentures due 2030-2034 senior to common stock dividends, creating dividend payment dependency on timely debt service
Management Discussion & Analysis
- Revenue $452.9M in 2025, up $138.8M YoY: net interest income $408M (+$89.9M), non-interest income $44.9M (+$48.9M)
- Operating margin: net interest margin 3.01% in 2025 vs 2.48% in 2024; non-interest expense 1.77% of average assets in 2025 vs 1.66% in 2024
- Best performing segment: business loans interest income up $19.6M in 2025; worst: multifamily residential loans interest income down $15.8M
- Cash flow: no explicit free cash flow reported; dividends not detailed; increased cash (up $1.07B), securities up $88.8M; no specific buybacks or capex info provided
- Outlook/risks: credit loss provision increased to $43M in 2025 vs $36.1M in 2024 due to macroeconomic forecast updates and charge-offs; regulatory reviews of allowance for credit losses may impact future earnings
AI summary of the DCOM 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net income $34.8M, up from $29.7M YoY
- Net interest income up $17.1M YoY; credit loss provision up $4.7M
- Best-performing category: business-loan interest income $56.5M vs $46.6M YoY
- Cash and due from banks decreased $419.4M; securities increased $185.0M to $1.60B
- Non-accrual loans $66.8M, or 0.62% of loans, vs 0.49% YoY
Risk Factors
- No risk-factors section provided; submitted text begins with Item 2
- Share-repurchase execution risk; 1,566,947 shares remained authorized as of June 30, 2026
- Capital-allocation change; repurchases intended to resume in third quarter 2026
- Disclosure scope limitation; provided text contains no regulatory, operational, competitive, market, liquidity, debt, currency, or concentration risks
AI summary of the DCOM 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 8.01: Other Events
- Quarterly common dividend declared at $0.25 per share
- Payable October 23, 2026 to shareholders of record October 16, 2026
Item EX-99.1: Item EX-99.1
- Quarterly common dividend of $0.25 per share declared, maintaining Dime’s uninterrupted dividend streak
- Payment scheduled October 23, 2026, for shareholders of record October 16, 2026
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 earnings announcement for quarter ended June 30, 2026
- Press release issued July 23, 2026, with financial results in Exhibit 99.1
Item EX-99.1: Item EX-99.1
- Q2 2026 adjusted EPS $0.79, up from $0.64 year over year, supported by stronger spread income
- Net interest margin expanded to 3.28% from 2.98%; management cites repricing opportunity through 2027
Item 8.01: Other Events
- Quarterly cash dividend of $0.34375 per Series A preferred share declared
- Dividend applies to DCOM’s 5.50% Fixed-Rate Non-Cumulative Perpetual Preferred Stock
Item EX-99.1: Item EX-99.1
- Quarterly cash dividend of $0.34375 per Series A preferred share
- 5.50% fixed-rate, non-cumulative perpetual preferred stock
AI summaries of DCOM 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for DCOM
Don't miss the next DCOM filing
- Alerts as it files. A push when DCOM files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut DCOM, by share count.
- Ask anything. An AI agent that reads every DCOM filing and answers with sources.
DCOM alerts on your phone. Follow it in the SignalX Android app.
Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Perry Joseph | A | Oct 1, 2026 | 87 | $39.42 |
| Lubow Stuart H | F | Sep 2, 2026 | 9,189 | $40.40 |
| Fegan Michael | F | Sep 2, 2026 | 2,253 | $40.40 |
| Lubow Stuart H | F | Sep 2, 2026 | 18,378 | $40.40 |
| Fegan Michael | F | Sep 2, 2026 | 2,253 | $40.40 |
| Lubow Stuart H | F | Sep 2, 2026 | 18,378 | $40.40 |
| BASSWOOD CAPITAL MANAGEMENT, L.L.C. | Sell | Aug 13, 2026 | 54 | $41.40 |
| BASSWOOD CAPITAL MANAGEMENT, L.L.C. | Sell | Aug 13, 2026 | 168 | $41.40 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|
| Profitability | ||||
| Revenue | $16.4M | $16.7M | $19.9M | |
| Net Income | $96.1M | $29.1M | $110.7M | |
| Net Margin | 584.6% | 173.9% | 556.0% | |
| Balance Sheet | ||||
| Total Assets | $13.6B | $14.4B | $15.3B | |
| Equity | $1.2B | $1.4B | $1.5B | |
| ROE | 7.8% | 2.1% | 7.5% | |
| Per Share | ||||
| EPS | $2.29 | $0.55 | $2.36 | |
| Cash Flow | ||||
| Operating CF | $90.9M | $99.1M | $186.6M | |
Source: XBRL data in Dime Community Bancshares, Inc. /NY/ (DCOM)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
DCOM filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 6, 2026 | - | - | - |
| 8-K | Sep 24, 2026 | - | Analysis | - |
| 4 | Sep 4, 2026 | - | - | - |
| 4 | Sep 4, 2026 | - | - | - |
| SC 13G | Aug 14, 2026 | - | - | |
| 4 | Aug 13, 2026 | - | - | - |
| 4 | Aug 7, 2026 | - | - | - |
| 4 | Aug 3, 2026 | - | - | - |
| 10-Q | Jul 31, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 4 | Jul 6, 2026 | - | - | - |
| 4 | Jul 6, 2026 | - | - | - |
| 8-K | Jun 25, 2026 | - | Analysis | - |
| 4 | Jun 23, 2026 | - | - | - |
| 4 | Jun 16, 2026 | - | - | - |
| 4 | Jun 10, 2026 | - | - | |
| 8-K | Jun 1, 2026 | - | Analysis | |
| 8-K | May 27, 2026 | - | Analysis | |
| 4 | May 11, 2026 | - | - | |
| 10-Q | May 1, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | Apr 23, 2026 | - | Analysis | - |
| 8-K | Apr 23, 2026 | - | Analysis | - |
| 4 | Apr 6, 2026 | - | - | - |
| 4 | Apr 3, 2026 | - | - | - |
Related Financials companies
- ALRS · ALERUS FINANCIAL CORPNational Commercial Banks
- AMTB · Amerant Bancorp Inc.National Commercial Banks
- ATLO · AMES NATIONAL CORPNational Commercial Banks
- AROW · ARROW FINANCIAL CORPNational Commercial Banks
- BANC · BANC OF CALIFORNIA, INC.National Commercial Banks
- BANF · BANCFIRST CORP /OK/National Commercial Banks
- TBBK · Bancorp, Inc.National Commercial Banks
- BFC · Bank First CorpNational Commercial Banks
DCOM SEC filings: frequently asked questions
Are DCOM insiders buying or selling?
In the last 90 days, Dime Community Bancshares, Inc. /NY/ (DCOM) officers, directors and 10% owners reported no open-market purchases and 28 open-market sales worth $5.5 million by 2 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
What was DCOM's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Dime Community Bancshares, Inc. /NY/ (DCOM) reported revenue of $19.9 million (up 19.0% from FY2024) and net income of $110.7 million. Diluted EPS was $2.36. The figures come from the XBRL data in the 10-K.
What are the main risks in DCOM's latest 10-K?
In the 10-K filed February 20, 2026, Dime Community Bancshares, Inc. /NY/ (DCOM) flagged: Regulatory risk: Increased restrictions under NY rent regulation laws, including 2025 rent increase caps at 3% (one-year lease) and 4.5% (two-year lease) affect loan collateral cash flows. Geopolitical/macro risk: Loan portfolio concentrated in Greater Long Island and Manhattan with $3.24B in business loans (30.1% total loans), vulnerable to local economic downturns. (AI summary of the Risk Factors section.)
What did DCOM report in its latest 8-K?
Dime Community Bancshares, Inc. /NY/ (DCOM) filed an 8-K on September 24, 2026 reporting Item 8.01 (Other Events). Quarterly common dividend declared at $0.25 per share.
What are the latest DCOM SEC filings?
Dime Community Bancshares, Inc. /NY/ (DCOM) filed its latest 10-K annual report on February 20, 2026, a 10-Q quarterly report on July 31, 2026, an 8-K current report on September 24, 2026 and a Form 4 insider filing on October 6, 2026.
What is DCOM's SEC CIK number?
Dime Community Bancshares, Inc. /NY/ (DCOM)'s SEC Central Index Key (CIK) is 846617. EDGAR lists every DCOM filing under that number.
Ask anything about DCOM
The research agent reads DCOM's filings, financials, insider trades and 13F holders, then answers with sources.