Dime Community Bancshares Stock Z Score

DCOM Stock

USD 36.36 0.04 0.11%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out Dime Community Piotroski F Score and Dime Community Valuation analysis.

At this time, Dime Community's Capital Stock is very stable compared to the past year. As of the 26th of November 2024, Capital Lease Obligations is likely to grow to about 60 M, while Net Invested Capital is likely to drop about 2 B. At this time, Dime Community's EBITDA is very stable compared to the past year. As of the 26th of November 2024, Total Operating Expenses is likely to grow to about 7.1 M, while Other Operating Expenses is likely to drop about 6.4 M.

Dime Community Bancshares Company Z Score Analysis

Dime Community's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Dime Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for Dime Community is extremely important. It helps to project a fair market value of Dime Stock properly, considering its historical fundamentals such as Z Score. Since Dime Community's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Dime Community's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Dime Community's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Total Liab	Total Current Assets	Short Term Debt	Net Receivables	Accounts Payable	Long Term Debt	Good Will	Short Term Investments	Treasury Stock	Intangible Assets	Common Stock	Property Plant Equipment	Net Tangible Assets	Long Term Debt Total	Capital Surpluse	Long Term Investments	Short Long Term Debt	Earning Assets	Net Invested Capital	Capital Stock
Total Assets		0.99	0.05	0.87	0.91	0.66	0.33	0.93	0.99	0.78	0.93	0.84	-0.62	-0.27	0.08	0.94	0.88	0.86	0.79	-0.49	-0.88	0.7	0.29	0.94
Total Stockholder Equity	0.99		0.05	0.88	0.93	0.67	0.32	0.93	0.99	0.76	0.93	0.86	-0.58	-0.25	0.09	0.94	0.88	0.83	0.77	-0.47	-0.85	0.68	0.3	0.96
Net Debt	0.05	0.05		0.47	0.21	-0.58	0.54	-0.1	-0.01	0.05	-0.2	-0.2	-0.17	-0.17	0.81	-0.16	0.01	-0.2	0.1	0.54	0.31	-0.13	0.77	-0.03
Retained Earnings	0.87	0.88	0.47		0.88	0.31	0.44	0.72	0.85	0.62	0.68	0.67	-0.62	-0.25	0.51	0.72	0.74	0.63	0.73	-0.07	-0.59	0.53	0.54	0.78
Total Liab	0.91	0.93	0.21	0.88		0.5	0.49	0.87	0.92	0.74	0.84	0.73	-0.41	-0.16	0.22	0.87	0.78	0.59	0.62	-0.37	-0.69	0.44	0.49	0.93
Total Current Assets	0.66	0.67	-0.58	0.31	0.5		-0.24	0.78	0.71	0.62	0.79	0.79	-0.15	0.04	-0.59	0.76	0.67	0.8	0.5	-0.64	-0.81	0.71	-0.16	0.72
Short Term Debt	0.33	0.32	0.54	0.44	0.49	-0.24		0.33	0.31	0.46	0.33	-0.01	-0.15	-0.48	0.41	0.35	0.1	0.03	0.08	-0.21	0.01	-0.22	0.6	0.4
Net Receivables	0.93	0.93	-0.1	0.72	0.87	0.78	0.33		0.95	0.92	0.97	0.77	-0.3	-0.13	-0.19	0.95	0.8	0.82	0.67	-0.6	-0.83	0.6	0.35	0.97
Accounts Payable	0.99	0.99	-0.01	0.85	0.92	0.71	0.31	0.95		0.81	0.96	0.85	-0.54	-0.23	0.02	0.96	0.87	0.85	0.77	-0.52	-0.88	0.67	0.28	0.97
Long Term Debt	0.78	0.76	0.05	0.62	0.74	0.62	0.46	0.92	0.81		0.86	0.53	-0.14	-0.11	-0.21	0.81	0.61	0.72	0.56	-0.53	-0.67	0.47	0.52	0.85
Good Will	0.93	0.93	-0.2	0.68	0.84	0.79	0.33	0.97	0.96	0.86		0.82	-0.42	-0.26	-0.21	0.99	0.8	0.85	0.66	-0.72	-0.87	0.62	0.19	0.97
Short Term Investments	0.84	0.86	-0.2	0.67	0.73	0.79	-0.01	0.77	0.85	0.53	0.82		-0.58	-0.25	-0.07	0.86	0.81	0.82	0.57	-0.53	-0.83	0.77	0.0	0.82
Treasury Stock	-0.62	-0.58	-0.17	-0.62	-0.41	-0.15	-0.15	-0.3	-0.54	-0.14	-0.42	-0.58		0.52	-0.42	-0.47	-0.54	-0.6	-0.6	0.2	0.58	-0.62	0.11	-0.38
Intangible Assets	-0.27	-0.25	-0.17	-0.25	-0.16	0.04	-0.48	-0.13	-0.23	-0.11	-0.26	-0.25	0.52		-0.27	-0.32	-0.15	-0.31	-0.09	0.35	0.14	-0.15	0.01	-0.24
Common Stock	0.08	0.09	0.81	0.51	0.22	-0.59	0.41	-0.19	0.02	-0.21	-0.21	-0.07	-0.42	-0.27		-0.12	0.0	-0.2	0.14	0.57	0.26	-0.15	0.42	-0.05
Property Plant Equipment	0.94	0.94	-0.16	0.72	0.87	0.76	0.35	0.95	0.96	0.81	0.99	0.86	-0.47	-0.32	-0.12		0.81	0.83	0.63	-0.71	-0.85	0.61	0.2	0.98
Net Tangible Assets	0.88	0.88	0.01	0.74	0.78	0.67	0.1	0.8	0.87	0.61	0.8	0.81	-0.54	-0.15	0.0	0.81		0.77	0.83	-0.49	-0.83	0.8	0.27	0.82
Long Term Debt Total	0.86	0.83	-0.2	0.63	0.59	0.8	0.03	0.82	0.85	0.72	0.85	0.82	-0.6	-0.31	-0.2	0.83	0.77		0.76	-0.55	-0.89	0.86	0.02	0.78
Capital Surpluse	0.79	0.77	0.1	0.73	0.62	0.5	0.08	0.67	0.77	0.56	0.66	0.57	-0.6	-0.09	0.14	0.63	0.83	0.76		-0.22	-0.78	0.78	0.21	0.62
Long Term Investments	-0.49	-0.47	0.54	-0.07	-0.37	-0.64	-0.21	-0.6	-0.52	-0.53	-0.72	-0.53	0.2	0.35	0.57	-0.71	-0.49	-0.55	-0.22		0.63	-0.39	0.17	-0.6
Short Long Term Debt	-0.88	-0.85	0.31	-0.59	-0.69	-0.81	0.01	-0.83	-0.88	-0.67	-0.87	-0.83	0.58	0.14	0.26	-0.85	-0.83	-0.89	-0.78	0.63		-0.84	0.07	-0.79
Earning Assets	0.7	0.68	-0.13	0.53	0.44	0.71	-0.22	0.6	0.67	0.47	0.62	0.77	-0.62	-0.15	-0.15	0.61	0.8	0.86	0.78	-0.39	-0.84		-0.03	0.55
Net Invested Capital	0.29	0.3	0.77	0.54	0.49	-0.16	0.6	0.35	0.28	0.52	0.19	0.0	0.11	0.01	0.42	0.2	0.27	0.02	0.21	0.17	0.07	-0.03		0.36
Capital Stock	0.94	0.96	-0.03	0.78	0.93	0.72	0.4	0.97	0.97	0.85	0.97	0.82	-0.38	-0.24	-0.05	0.98	0.82	0.78	0.62	-0.6	-0.79	0.55	0.36

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict Dime Community

According to the company's disclosures, Dime Community Bancshares has a Z Score of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

Dime Community ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Dime Community's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Dime Community's managers, analysts, and investors.

Environmental

Governance

Social

Dime Community Institutional Holders

Institutional Holdings refers to the ownership stake in Dime Community that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Dime Community's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Dime Community's value.

		Shares
Morgan Stanley - Brokerage Accounts	2024-06-30	630.5 K
Arnhold & S. Bleichroeder Advisers, Llc	2024-09-30	538.6 K
Royce & Associates, Lp	2024-09-30	503.7 K
Lsv Asset Management	2024-09-30	495.1 K
Manufacturers Life Insurance Co	2024-09-30	480.9 K
Bank Of New York Mellon Corp	2024-06-30	410.8 K
Acadian Asset Management Llc	2024-06-30	410.2 K
Polaris Capital Management, Llc	2024-09-30	409.9 K
Hotchkis & Wiley Capital Management Llc	2024-09-30	393.3 K
Blackrock Inc	2024-06-30	5.7 M
Vanguard Group Inc	2024-09-30	2.5 M

Dime Fundamentals

	Return On Equity	0.0533
	Return On Asset	0.0048
	Profit Margin	0.21 %
	Operating Margin	0.27 %
	Current Valuation	1.74 B
	Shares Outstanding	43.64 M
	Shares Owned By Insiders	5.14 %
	Shares Owned By Institutions	73.40 %
	Number Of Shares Shorted	2.6 M
	Price To Earning	18.45 X
	Price To Book	1.38 X
	Price To Sales	5.05 X
	Revenue	609.36 M
	Gross Profit	412.64 M
	EBITDA	136.88 M
	Net Income	96.09 M
	Cash And Equivalents	388.4 M
	Cash Per Share	10.06 X
	Total Debt	1.57 B
	Debt To Equity	0.08 %
	Book Value Per Share	29.31 X
	Cash Flow From Operations	90.87 M
	Short Ratio	15.13 X
	Earnings Per Share	1.50 X
	Price To Earnings To Growth	13.64 X
	Target Price	39.2
	Number Of Employees	851
	Beta	1.11
	Market Capitalization	1.59 B
	Total Asset	13.64 B
	Retained Earnings	813.01 M
	Annual Yield	0.03 %
	Five Year Return	3.06 %
	Net Asset	13.64 B
	Last Dividend Paid	1.0

About Dime Community Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Dime Community Bancshares's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Dime Community using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Dime Community Bancshares based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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When determining whether Dime Community Bancshares is a strong investment it is important to analyze Dime Community's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Dime Community's future performance. For an informed investment choice regarding Dime Stock, refer to the following important reports:

How To Invest In Dime

Details

Is Dime Stock a good investment?

Details

What is Dime Community's Net Worth?

Details

Largest Regional Banks Companies

View

Largest Banks - Regional Companies

View

Check out Dime Community Piotroski F Score and Dime Community Valuation analysis.

You can also try the Pattern Recognition module to use different Pattern Recognition models to time the market across multiple global exchanges.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Dime Community. If investors know Dime will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Dime Community listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.14)

Dividend Share

Earnings Share

1.5

Revenue Per Share

8.193

Quarterly Revenue Growth

(0.08)

The market value of Dime Community Bancshares is measured differently than its book value, which is the value of Dime that is recorded on the company's balance sheet. Investors also form their own opinion of Dime Community's value that differs from its market value or its book value, called intrinsic value, which is Dime Community's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Dime Community's market value can be influenced by many factors that don't directly affect Dime Community's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Dime Community's value and its price as these two are different measures arrived at by different means. Investors typically determine if Dime Community is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Dime Community's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Dime Community Bancshares Stock Z Score

Dime Community Bancshares Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Dime Z Score Driver Correlations

Dime Community ESG Sustainability

Dime Community Institutional Holders

Dime Fundamentals

About Dime Community Fundamental Analysis

Building efficient market-beating portfolios requires time, education, and a lot of computing power!

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