NYSE$DCOM

Dime Community Bancshares Inc · Q2 2023 earnings

Q2 2023 earnings · · Investor relations

Briefing

Dime Community Bancshares' second quarter performance was affected by the interest rate environment and bank failures, but deposits, capital, and liquidity increased, and the company onboarded seven deposit groups.

Dime Community Bancshares reported a net income available to common stockholders of $25.7 million, or $0.66 per diluted common share, for the quarter ended June 30, 2023. Average total deposits increased by over $150 million on a linked quarter basis. The company successfully onboarded 7 deposit groups and capital ratios and asset quality continued to be strong.

  • Average total deposits were $10.54 billion.
  • Non-insured deposits represented only 28% of total deposits.
  • The ratio of average non-interest bearing deposits to average total deposits was 29%.
  • Credit quality continues to be strong with non-performing assets and loans 90 days past due and accruing declining by 12%.

Headline financials

Total Revenue

$90.6M

Previous: $106M-14.2%
EPS (adj)

$0.68

Previous: $1.01-32.7%
Net Interest Margin

2.5%

Previous: 3.3%-24.0%
Tier 1 Risk-Based Capital Ratio

10.5%

No prior period
Free Cash Flow

$27.5M

Previous: $38.5M-28.5%
Net Income

$27.5M

Previous: $38.5M-28.5%
Operating Income

$5.46M

Previous: $62.2M-91.2%
Gross Profit

$90.6M

Previous: $86.3M+5.1%
Cash & Equivalents

$453M

Previous: $281M+60.8%
Total Assets

$13.8B

Previous: $12.3B+11.8%
Stock-Based Comp

$1.36M

Previous: $946K+43.6%

Revenue & EPS history

Dime · Revenue · Quarterly

$90.6M

Q2 2023-14.2%vs Q2 2022
Beat estimate in 11 of 14 quarters(79%)
ActualEstimate

Revenue by segment

Dime · $143M total across 6 segments · Q3 2023

  • Multifamily Residential
    $46.1M
  • Commercial RE (Non-Owner)
    $44.2M
  • Business Loans
    $38.4M
  • 1-4 Family Residential
    $9.17M
  • Acquisition & Construction
    $5.08M
  • Other Loans
    $88K

Forward guidance

Dime's forward guidance was not discussed in the earnings report.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2023

Historical avgQ2 2023

+0.3%

Avg return

Earnings day

-0.2%

Avg return

5 days after

+1.1%

Avg return

30 days after

56%

37 / 66 earnings

Positive

+8.5%

Q4 2025

Best reaction

-9.5%

Q1 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-1.1%+0.9%+2.7%
Q4 2025+8.5%+9.9%+13.8%
Q3 2025-0.7%-3.9%+4.7%
Q2 2025-0.8%-3.8%+3.7%
Q1 2025+2.8%+2.0%+0.4%
Q4 2024-2.4%-3.1%-3.7%
Q3 2024+3.2%+1.1%+19.8%
Q2 2024+0.4%+6.6%-2.7%
Q1 2024+1.7%+0.1%-1.1%
Q4 2023-1.3%-9.0%-23.9%
Q3 2023-8.3%-9.4%+5.0%
Q2 2023+3.4%+4.6%-2.6%
Q1 2023+1.7%-7.0%-12.3%
Q4 2022-8.2%-5.6%-7.8%
Q3 2022+4.3%-0.8%+5.1%
Q2 2022+5.9%+3.3%-0.2%
Q1 2022-9.5%-4.7%-8.7%
Q4 2021-0.4%-2.5%-2.5%
Q3 2021+7.6%+9.9%+1.6%
Q2 2021-2.0%-0.5%+0.3%
Q1 2021+0.4%+2.0%+4.4%
Q4 2020-2.3%-1.7%-1.1%
Q3 2020-7.6%-3.0%+20.5%
Q2 2020+3.3%+0.4%+11.3%
Q1 2020-0.7%-4.5%+2.2%
Q4 2019+0.3%-3.0%-12.9%
Q3 2019+6.5%+8.5%+8.7%
Q2 2019+0.8%+1.4%-8.7%
Q1 2019+0.6%+1.5%-5.6%
Q4 2018+1.0%+8.8%+18.0%
Q3 2018+3.1%+2.0%+1.8%
Q2 2018+3.9%+3.5%+2.2%
Q1 2018+0.0%+0.0%+10.1%
Q4 2017+0.3%-1.8%-4.8%
Q3 2017+5.6%+1.7%-1.1%
Q2 2017-2.6%-1.5%-5.2%
Q1 2017-2.7%-2.7%-8.5%
Q4 2016-0.4%-1.8%-1.2%
Q3 2016+1.8%-0.7%+21.1%
Q2 2016+0.0%-3.6%-0.0%
Q1 2016-1.7%
Q4 2015+2.7%
Q3 2015+3.7%
Q2 2015-3.0%
Q1 2015-1.1%
Q4 2014-2.3%
Q3 2014+1.5%
Q2 2014-2.1%
Q1 2014-1.2%
Q4 2013+0.2%
Q3 2013+0.8%
Q2 2013-4.2%
Q1 2013+1.1%
Q4 2012-1.0%
Q3 2012-0.6%
Q2 2012-0.5%
Q1 2011+0.5%
Q1 2012+3.3%
Q4 2009+2.7%
Q4 2011+2.7%
Q4 2010+2.7%
Q3 2010+0.6%
Q3 2011+0.6%
Q2 2011-1.7%
Q2 2010-1.7%
Q1 2010+4.3%

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