DIME COMMERCIAL BANCSHARES, INC. (DCOM) Financial Analysis — Fisclear

Valuation

Banking

Live · Yahoo Finance

Price

$40.71

52-Week Range

$25.63$40.71 now$41.97

Decision Context

Altman Z-Score indicates financial distress risk. Review debt levels and cash runway before any position sizing decision.

Based on filing period ending Jun 2026

FisclearScore is a quantitative model using public financial data and sector median benchmarks (refreshed monthly). Not financial advice. Always conduct independent due diligence.

DCOM vs

Macro Context

Fed Funds Rate

3.63%

Accommodative

10-Year Treasury

4.60%

2026-07-01

Unemployment

4.1%

Near full employment

CPI Index

332.8

2026-07-01

M2 Money Supply

$23.2T

2026-06-01

The Federal Funds rate stands at 3.63% — a moderately elevated rate environment that raises borrowing costs across the economy; 10-year Treasury yields are at 4.60%, setting the benchmark for long-term corporate borrowing; Unemployment stands at 4.1%; Industrial production index is at 102.6; M2 money supply is $23.2T; CPI index stands at 332.8.

SWOT Analysis — DCOM

Inflationary Boom

Macro lens (Inflationary Boom): Rising costs and tighter margins amplify financial risks in this regime.

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Strengths

EPS (Diluted): $2.36 (+329.1% YoY) — Earnings per share rose 329% — each share earned more.
Net Income: $110.7M (+280.6% YoY) — Profit grew 281% — the company kept more of each dollar earned.
Operating Cash Flow: $186.6M (+88.3% YoY) — Operating cash flow grew 88% — the business generated more cash from day-to-day operations.
Revenue: $19.9M (+19.0% YoY) — Revenue grew 19% — the company sold more goods or services than the prior year.
Total Assets: $15.3B (+6.9% YoY) — Total assets grew 7% — the company's resource base expanded.

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Weaknesses

Stock is near its 52-week high (41.97) — the price reflects strong recent momentum, but entry risk is elevated at these levels.

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Opportunities

No clear opportunities identified at this time.

⚠

Threats

Total liabilities are 90% of total assets — the balance sheet is heavily leveraged with limited equity cushion.

Financial Charts

Revenue vs Net Income

Margin Trend

Operating Cash Flow

Year-over-Year Changes

EPS (Diluted)

$2.36

was $0.55

+329.1%

Earnings per share rose 329% — each share earned more.

Net Income

$110.7M

was $29.1M

+280.6%

Profit grew 281% — the company kept more of each dollar earned.

Operating Cash Flow

$186.6M

was $99.1M

+88.3%

Operating cash flow grew 88% — the business generated more cash from day-to-day operations.

Revenue

$19.9M

was $16.7M

+19.0%

Revenue grew 19% — the company sold more goods or services than the prior year.

Total Assets

$15.3B

was $14.4B

+6.9%

Total assets grew 7% — the company's resource base expanded.

Risk Flags

1 high · 0 medium · 1 low

⚠ High
Total liabilities are 90% of total assets — the balance sheet is heavily leveraged with limited equity cushion.
○ Low
Stock is near its 52-week high (41.97) — the price reflects strong recent momentum, but entry risk is elevated at these levels.