Valuation, from the filing
| Public float | $1.08B | Market value of stock held by non-affiliates, as stated on the cover page for 2025-06-30 |
|---|---|---|
| Float per share | $24.60 | Float divided by shares outstanding in the same filing. A floor under the share price on that date, not the price itself. |
| Float / net income | 9.8× | A lower bound on the multiple, because affiliate holdings are excluded. |
| Float / revenue | 54.3× | A lower bound on the multiple, because affiliate holdings are excluded. |
| Float / equity | 0.7× | A lower bound on the multiple, because affiliate holdings are excluded. |
Every figure here is drawn from the 10-K cover page and the statements behind it, so each one traces to a filing. Public float counts only stock held by non-affiliates, which makes these floors rather than estimates: a high multiple is conclusive, a low one may mean cheap or may mean closely held. The float was measured on 2025-06-30, not today, and each multiple below it uses the figures for the fiscal year ending 2025-12-31 — the year that filing covered.
Valuation over time
9.8× earnings today, against a median of 12.1× across 10 years on record. Below its own history.
| Float measured | Public float | Float / net income | |
|---|---|---|---|
| 2025-06-30 | $1.08B | 9.8× | |
| 2024-06-30 | $723.20M | 24.9× | |
| 2023-06-30 | $610.40M | 6.4× | |
| 2022-06-30 | $977.90M | 6.4× | |
| 2021-06-30 | $1.15B | 11.1× | |
| 2020-06-30 | $377.84M | 8.9× | |
| 2019-06-30 | $484.47M | 13.4× | |
| 2018-06-30 | $585.60M | 14.9× | |
| 2017-06-30 | $621.78M | 30.3× | |
| 2016-06-30 | $469.32M | 13.2× |
Each float is paired with the fiscal year the filing that stated it covers. Only years where the company reported positive net income appear, because a multiple against a loss is not a multiple.
How this compares in its industry
Percentile among the National Commercial Banks filers on this site, highest value first. A high percentile means a large figure, which is good for a margin and not for leverage — the ranking says where the company sits, not whether that is where it should be.
| Measure | Reported | Percentile | |
|---|---|---|---|
| SBC / revenue | 38.6% | 100th | |
| Effective tax rate | 29.4% | 99th | |
| Net margin | 556.0% | 97th | |
| Revenue YoY growth | 19.0% | 86th |
Dime Commercial Bancshares, Inc. /NY/ (DCOM) reported revenue of $6.88M and net income of $41.56M for the fiscal year ended 2026-09-30. This page shows 10 annual periods of income statement, balance sheet and cash flow figures normalized from Dime Commercial Bancshares, Inc. /NY/’s SEC filings, each linked to the filing it came from. It is classified by the SEC under National Commercial Banks.
Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.
Income
| Metric | 2026-09-30 | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $6.88M | $6.48M | $5.73M | $5.41M | $5.21M | $4.64M | $4.64M | $3.94M | $4.27M | $3.97M |
| Cost of revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Gross profit | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating income | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Net income | $41.56M | $34.81M | $34.58M | $31.86M | $27.67M | $29.70M | $21.46M | -$20.41M | $13.33M | $18.48M |
| Research & development | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Weighted-average diluted shares | shares 43.14M | shares 43.22M | shares 43.11M | Unavailable | shares 43.05M | shares 43.03M | shares 42.95M | Unavailable | shares 38.37M | shares 38.33M |
| Pretax income | $56.03M | $47.88M | $48.53M | $47.83M | $40.09M | $40.17M | $28.71M | -$17.09M | $18.22M | $26.03M |
| Income tax expense | $14.47M | $13.06M | $13.95M | $15.97M | $12.42M | $10.48M | $7.25M | $3.32M | $4.90M | $7.55M |
| Diluted EPS | $0.90 | $0.75 | $0.75 | Unavailable | $0.59 | $0.64 | $0.45 | Unavailable | $0.29 | $0.43 |
| Selling, general & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| General & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Selling & marketing | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Balance
| Metric | 2026-09-30 | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total assets | $15.55B | $15.04B | $15.00B | $15.34B | $14.54B | $14.21B | $14.10B | $14.35B | $13.75B | $13.55B |
| Current assets | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total liabilities | $14.02B | $13.52B | $13.50B | $13.87B | $13.09B | $12.78B | $12.69B | $12.96B | $12.48B | $12.30B |
| Current liabilities | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total equity incl. NCI | $1.52B | $1.52B | $1.50B | $1.48B | $1.45B | $1.43B | $1.41B | $1.40B | $1.26B | $1.25B |
| Temporary (mezzanine) equity | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Inventory | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts receivable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Goodwill | $155.80M | $155.80M | $155.80M | $155.80M | $155.80M | $155.80M | $155.80M | $155.80M | $155.80M | $155.80M |
| Long-term debt | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts payable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Cash flow
| Metric | 2026-09-30 | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $107.92M | $56.05M | $47.97M | $45.99M | $52.09M | $23.06M | $65.42M | $89.02M | -$33.32M | $12.62M |
| Capital expenditures | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Investing cash flow | -$242.37M | -$194.18M | $26.56M | -$174.40M | $197.17M | -$7.70M | -$84.53M | $24.96M | -$16.55M | -$10.71M |
| Financing cash flow | $384.66M | $13.11M | -$368.88M | $767.33M | $309.02M | $110.68M | -$233.76M | $543.54M | $261.94M | $41.22M |
| Net change in cash | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Stock-based compensation | $2.27M | $2.49M | $1.84M | $1.94M | $2.06M | $1.79M | $1.88M | $1.71M | $1.96M | $1.30M |
| Common dividends paid | $10.79M | $10.79M | $10.77M | $10.76M | $10.74M | $10.74M | $10.69M | $9.54M | $9.53M | $9.50M |
| Common share repurchases | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Depreciation & amortization | $1.05M | $1.07M | $1.04M | $1.08M | $1.40M | $1.10M | $1.08M | $1.25M | $1.51M | $1.36M |
Derived
| Metric | 2026-09-30 | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|
| Free cash flow | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Gross margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| FCF margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| SBC / revenue | 33.0% | 38.4% | 32.1% | 35.9% | 39.6% | 38.6% | 40.6% | 43.3% | 45.8% | 32.6% |
| Current ratio | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Revenue YoY growth | 32.1% | 39.7% | 23.4% | 37.3% | 22.1% | 16.9% | 2.2% | 3.6% | 7.7% | -18.2% |
| Net margin | 604.2% | Unavailable | Unavailable | 588.5% | 531.2% | Unavailable | Unavailable | -517.8% | 312.3% | Unavailable |
| R&D / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| CapEx / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Long-term debt / equity | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Effective tax rate | 25.8% | 27.3% | 28.7% | 33.4% | 31.0% | 26.1% | 25.3% | Unavailable | 26.9% | 29.0% |
Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open DCOM in the interactive workspace to inspect any figure back to its filing.
Source filings
Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.