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DCOMDime Commercial Bancshares, IncSell6.0·$39.40+1.16%
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Dime Commercial Bancshares, Inc (DCOM) Stock Analysis

SellModerate Confidence

Financial Services · Banks - Regional

Sell if holding. Analyst target reached at $39.40 — A.R:R is negative (-0.5) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (-0.1% away).

Dime Commercial 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.... Read more

$39.40-1.7% A.UpsideScore 6.0/10#47 of 142 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield2.57%(5y avg 3.61%)Payout37.59%sustainable
Stop $37.54Target $38.71(resistance)A.R:R -0.5:1
Analyst target$43.00+9.1%5 analysts
$38.71our TP
$39.40price
$43.00mean
$46

Sell if holding. Analyst target reached at $39.40 — A.R:R is negative (-0.5) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (-0.1% away). Chart setup: No clear chart pattern; technical signals are mixed. Score 6.0/10, moderate confidence.

Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 42d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-10
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Thu, Jul 23, 202642d to earnings· next earnings call

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Attractive valuation
Strong growth profile
Risks
Analyst target reached - limited upside remaining
Near 52-week high (-0.1% away)
V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4)

Key Metrics

P/E (TTM)14.6
P/E (Fwd)8.9
Mkt Cap$1.7B
EV/EBITDA
Profit Mgn29.0%
ROE8.5%
Rev Growth18.1%
Beta1.00
Dividend2.57%
Rating analysts11

Quality Signals

Piotroski F8/9

Options Flow

P/C1.20bearish
IV62%elevated
Max Pain$20-49.2% vs spot

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 floor-breaker

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

Bollinger
0.0
Support Resistance
0.3
52w Position
9.9
GatesA.R:R -0.5=NEGATIVEMomentum 6.7>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 42d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Aggressive
RSI
72 · Overbought
20D MA 50D MA 200D MAGOLDEN CROSSSupport $35.14Resistance $39.50

Price Targets

$38
$39
A.Upside-1.8%
A.R:R-0.5:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (-5.0% upside)
! NEWS_MOD=-1: HOLD_IF_HOLDING → SELL_IF_HOLDING
! Negative risk/reward — downside exceeds upside

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-07-23 (42d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is DCOM stock a buy right now?

Sell if holding. Analyst target reached at $39.40 — A.R:R is negative (-0.5) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (-0.1% away). Chart setup: No clear chart pattern; technical signals are mixed. Prior stop was $37.54. Score 6.0/10, moderate confidence.

What is the DCOM stock price target?

Take-profit target: $38.71 (-1.7% upside). Prior stop was $37.54. Stop-loss: $37.54.

What are the risks of investing in DCOM?

Analyst target reached - limited upside remaining; Near 52-week high (-0.1% away); V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4).

Is DCOM overvalued or undervalued?

Dime Commercial Bancshares, Inc trades at a P/E of 14.6 (forward 8.9). TrendMatrix value score: 7.8/10. Verdict: Sell.

What do analysts say about DCOM?

11 analysts cover DCOM with a consensus score of 4.1/5. Average price target: $43.

What does Dime Commercial Bancshares, Inc do?Dime Commercial Bancshares, Inc. operates as the holding company for Dime Community Bank that engages in the provision...

Dime Commercial 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; secured and unsecured commercial and consumer loans; lines of credit; home equity loans; and construction and land loans. In addition, it invests in Federal Home Loan Bank, Federal National Mortgage Association, Government National Mortgage Association, and Federal Home Loan Mortgage Corporation mortgage-backed securities, collateralized mortgage obligations, and other asset backed securities; U.S. Treasury securities; New York state and local municipal obligations; U.S. government-sponsored enterprise securities; and corporate bonds. Further, the company offers certificate of deposit account registry services and insured cash sweep programs; federal deposit insurance corporation insurance; 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; investment products and services through a third-party broker dealer; and title insurance broker services for small and medium sized businesses, and municipal and consumer relationships. The company was formerly known as Dime Community Bancshares, Inc. and changed its name to Dime Commercial Bancshares, Inc. in May 2026. Dime Commercial Bancshares, Inc. was founded in 1910 and is headquartered in Hauppauge, New York.

Related stocks: CUBI (Customers Bancorp, Inc) · IFS (Intercorp Financial Services In) · SSB (SouthState Bank Corporation) · BFC (Bank First Corporation) · GABC (German American Bancorp, Inc.)
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