Dime Community Bancshares Inc (DCOM) - Net Assets
Based on the latest financial reports, Dime Community Bancshares Inc (DCOM) has net assets worth $1.48 Billion USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($15.34 Billion) and total liabilities ($13.87 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check asset resilience ratio of Dime Community Bancshares Inc to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $1.48 Billion |
| % of Total Assets | 9.62% |
| Annual Growth Rate | 7.05% |
| 5-Year Change | 23.74% |
| 10-Year Change | 160.8% |
| Growth Volatility | 12.99 |
Dime Community Bancshares Inc - Net Assets Trend (1995–2025)
This chart illustrates how Dime Community Bancshares Inc's net assets have evolved over time, based on quarterly financial data. Also explore DCOM current and non-current assets for the complete picture of this company's asset base.
Annual Net Assets for Dime Community Bancshares Inc (1995–2025)
The table below shows the annual net assets of Dime Community Bancshares Inc from 1995 to 2025. For live valuation and market cap data, see Dime Community Bancshares Inc (DCOM) total market value.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $1.48 Billion | +5.67% |
| 2024-12-31 | $1.40 Billion | +13.89% |
| 2023-12-31 | $1.23 Billion | +4.84% |
| 2022-12-31 | $1.17 Billion | -1.93% |
| 2021-12-31 | $1.19 Billion | +70.11% |
| 2020-12-31 | $701.10 Million | +17.48% |
| 2019-12-31 | $596.76 Million | -0.88% |
| 2018-12-31 | $602.08 Million | +0.59% |
| 2017-12-31 | $598.57 Million | +5.78% |
| 2016-12-31 | $565.87 Million | +14.56% |
| 2015-12-31 | $493.95 Million | +7.44% |
| 2014-12-31 | $459.73 Million | +5.56% |
| 2013-12-31 | $435.51 Million | +11.22% |
| 2012-12-31 | $391.57 Million | +8.46% |
| 2011-12-31 | $361.03 Million | +9.83% |
| 2010-12-31 | $328.73 Million | +11.52% |
| 2009-12-31 | $294.77 Million | +6.43% |
| 2008-12-31 | $276.96 Million | +3.02% |
| 2007-12-31 | $268.85 Million | -7.49% |
| 2006-12-31 | $290.63 Million | -0.37% |
| 2005-12-31 | $291.71 Million | +3.55% |
| 2004-12-31 | $281.72 Million | -0.77% |
| 2003-12-31 | $283.92 Million | +6.84% |
| 2002-12-31 | $265.74 Million | +6.41% |
| 2001-12-31 | $249.74 Million | +9.96% |
| 2000-12-31 | $227.12 Million | +9.63% |
| 1999-12-31 | $207.17 Million | -2.14% |
| 1998-12-31 | $211.70 Million | +13.63% |
| 1997-12-31 | $186.30 Million | -2.41% |
| 1996-12-31 | $190.90 Million | 0.00% |
| 1995-12-31 | $190.90 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Dime Community Bancshares Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 802.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $854.17 Million | 57.88% |
| Common Stock | $462.00K | 0.03% |
| Other Comprehensive Income | $-31.47 Million | -2.13% |
| Other Components | $652.61 Million | 44.22% |
| Total Equity | $1.48 Billion | 100.00% |
Dime Community Bancshares Inc Competitors by Market Cap
The table below lists competitors of Dime Community Bancshares Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Xenia Hotels & Resorts Inc
NYSE:XHR
|
$1.58 Billion |
|
BlueNord ASA
OL:BNOR
|
$1.58 Billion |
|
Systemair AB
ST:SYSR
|
$1.59 Billion |
|
Jiangsu Expressway Company Limited
F:JE2
|
$1.59 Billion |
|
Zhejiang Grandwall Electric Science&Technology Co Ltd Class A
SHG:603897
|
$1.58 Billion |
|
Jingjin Environmental Protection Co Ltd
SHG:603279
|
$1.58 Billion |
|
Fortress Income Fund Ltd
JSE:FFB
|
$1.58 Billion |
|
Turning Point Brands Inc
NYSE:TPB
|
$1.58 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Dime Community Bancshares Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 1,396,517,000 to 1,475,769,000, a change of 79,252,000 (5.7%).
- Net income of 110,682,000 contributed positively to equity growth.
- Dividend payments of 50,211,000 reduced retained earnings.
- Other comprehensive income increased equity by 13,550,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $110.68 Million | +7.5% |
| Dividends Paid | $50.21 Million | -3.4% |
| Other Comprehensive Income | $13.55 Million | +0.92% |
| Other Changes | $5.23 Million | +0.35% |
| Total Change | $- | 5.67% |
Book Value vs Market Value Analysis
This analysis compares Dime Community Bancshares Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.05x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 9.26x to 1.05x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1995-12-31 | $3.89 | $36.07 | x |
| 1996-12-31 | $4.32 | $36.07 | x |
| 1997-12-31 | $4.22 | $36.07 | x |
| 1998-12-31 | $5.22 | $36.07 | x |
| 1999-12-31 | $5.18 | $36.07 | x |
| 2000-12-31 | $5.71 | $36.07 | x |
| 2001-12-31 | $6.63 | $36.07 | x |
| 2002-12-31 | $7.42 | $36.07 | x |
| 2003-12-31 | $7.60 | $36.07 | x |
| 2004-12-31 | $7.80 | $36.07 | x |
| 2005-12-31 | $8.22 | $36.07 | x |
| 2006-12-31 | $8.27 | $36.07 | x |
| 2007-12-31 | $8.00 | $36.07 | x |
| 2008-12-31 | $8.44 | $36.07 | x |
| 2009-12-31 | $8.92 | $36.07 | x |
| 2010-12-31 | $9.85 | $36.07 | x |
| 2011-12-31 | $10.68 | $36.07 | x |
| 2012-12-31 | $11.39 | $36.07 | x |
| 2013-12-31 | $12.30 | $36.07 | x |
| 2014-12-31 | $12.78 | $36.07 | x |
| 2015-12-31 | $13.60 | $36.07 | x |
| 2016-12-31 | $15.37 | $36.07 | x |
| 2017-12-31 | $15.92 | $36.07 | x |
| 2018-12-31 | $16.23 | $36.07 | x |
| 2019-12-31 | $16.63 | $36.07 | x |
| 2020-12-31 | $21.38 | $36.07 | x |
| 2021-12-31 | $30.66 | $36.07 | x |
| 2022-12-31 | $30.35 | $36.07 | x |
| 2023-12-31 | $32.11 | $36.07 | x |
| 2024-12-31 | $35.87 | $36.07 | x |
| 2025-12-31 | $34.28 | $36.07 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Dime Community Bancshares Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 7.50%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 15.15%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 10.40x
- Recent ROE (7.50%) is below the historical average (9.91%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1995 | 6.44% | 13.20% | 0.07x | 6.89x | $-6.79 Million |
| 1996 | 6.44% | 23.84% | 0.04x | 6.89x | $-6.79 Million |
| 1997 | 7.03% | 11.55% | 0.07x | 8.72x | $-5.53 Million |
| 1998 | 9.40% | 14.03% | 0.06x | 10.62x | $-1.27 Million |
| 1999 | 10.80% | 13.11% | 0.07x | 12.08x | $1.66 Million |
| 2000 | 11.11% | 13.22% | 0.07x | 11.98x | $2.53 Million |
| 2001 | 15.49% | 19.39% | 0.07x | 11.25x | $13.70 Million |
| 2003 | 18.06% | 26.40% | 0.07x | 10.47x | $22.88 Million |
| 2004 | 16.41% | 25.10% | 0.05x | 11.99x | $18.05 Million |
| 2005 | 12.41% | 20.71% | 0.06x | 10.72x | $7.04 Million |
| 2006 | 10.53% | 16.70% | 0.06x | 10.92x | $1.53 Million |
| 2007 | 8.35% | 11.65% | 0.06x | 13.02x | $-4.44 Million |
| 2008 | 10.12% | 13.43% | 0.05x | 14.64x | $331.60K |
| 2009 | 8.88% | 12.68% | 0.05x | 13.41x | $-3.29 Million |
| 2010 | 12.59% | 18.57% | 0.06x | 12.29x | $8.52 Million |
| 2011 | 13.10% | 21.79% | 0.05x | 11.14x | $11.21 Million |
| 2012 | 10.29% | 19.56% | 0.05x | 9.97x | $1.15 Million |
| 2013 | 10.00% | 23.80% | 0.05x | 9.25x | $-2.60K |
| 2014 | 9.62% | 24.40% | 0.04x | 9.78x | $-1.73 Million |
| 2015 | 9.06% | 24.41% | 0.04x | 10.19x | $-4.62 Million |
| 2016 | 12.81% | 35.65% | 0.03x | 10.61x | $15.93 Million |
| 2017 | 8.67% | 23.24% | 0.03x | 10.70x | $-7.97 Million |
| 2018 | 8.52% | 22.18% | 0.04x | 10.50x | $-8.92 Million |
| 2019 | 6.06% | 14.45% | 0.04x | 10.65x | $-23.49 Million |
| 2020 | 6.04% | 16.58% | 0.04x | 9.67x | $-27.79 Million |
| 2021 | 8.72% | 24.37% | 0.04x | 10.12x | $-15.27 Million |
| 2022 | 13.04% | 31.96% | 0.04x | 11.28x | $35.60 Million |
| 2023 | 7.84% | 15.77% | 0.04x | 11.12x | $-26.53 Million |
| 2024 | 2.08% | 4.50% | 0.05x | 10.28x | $-110.57 Million |
| 2025 | 7.50% | 15.15% | 0.05x | 10.40x | $-36.89 Million |
Industry Comparison
This section compares Dime Community Bancshares Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Dime Community Bancshares Inc (DCOM) | $1.48 Billion | 6.44% | 9.40x | $1.58 Billion |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About Dime Community Bancshares Inc
Dime Community Bancshares, Inc. operates as the holding company for Dime Community Bank that engages in the provision of various commercial banking and financial services. It accepts time, savings, and demand deposits from the businesses, consumers, and local municipalities. The company offers commercial real estate loans; multi-family mortgage loans; residential mortgage loans; letters of credit… Read more