Dime Commercial Bancshares, Inc. /NY/ financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data Dime Commercial Bancshares, Inc. /NY/ files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	8.41	9	9.85	10.1	8.96	16	16.2	16.4	16.7	19.9
Selling and marketing	4.05	4.74	4.6	4.74	3.29
Interest expense	16.8	22.7	32.2	90.8	56.3	27	59.4	293
Interest income						4.4	5.4	5.3	5.7	5.9
Pre-tax income	54.3	39.5	48.4	46.9	55	148	212	137	51.4	157
Income tax	18.8	18.9	9.14	10.7	12.7	44.2	59.4	40.8	22.4	46.1
Net income	35.5	20.5	39.2	36.2	42.3	104	153	96.1	29.1	111
EPS, basic	1.20	0.62	1.18	1.56	1.74	2.45	3.73	2.29	0.55	2.36
EPS, diluted	1.20	0.62	1.18	1.55	1.74	2.45	3.73	2.29	0.55	2.36
Shares, basic (weighted)	0.03	0.03	0.03	23.1	21.5	38.9	38.5	38.2	38.9	43
Shares, diluted (weighted)	0.03	0.03	0.03	23.2	21.5	38.9	38.5	38.2	38.9	43
Dividend per share	0.55	0.55	0.55	0.92	0.96

Balance sheet

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	114	94.7	295	117	877	394	169	458	1,284	2,354
Property, plant and equipment	35.3	33.5	35	34.1	19.1	50.4	46.7	44.9	34.9	31.3
Lease right-of-use assets				43.5	33.9	64.3	57.9	52.7	46.2	42.9
Goodwill	106	106	55.6	55.6	55.6	156	156	156	156	156
Intangible assets	4.85	3.8	2.89	2.1	0	8.36	6.48	5.06	3.9	2.94
Total assets	4,055	4,430	4,701	4,922	6,782	12,066	13,190	13,636	14,353	15,342
Total liabilities	3,647	4,001	4,247	4,424	6,081	10,874	12,020	12,410	12,957	13,866
Paid-in capital	329	348	352	356	278	494	495	494	625	623
Retained earnings	91.6	96.5	117	151	601	655	763	813	795	854
Treasury stock	-0.16	-0.3	-0.78	-1.84	-287	-59.2	-103	-98	-87.2	-78.3
Other comprehensive income	-13.1	-14.9	-15.1	-8.34	-5.92	-6.18	-94.4	-91.6	-45	-31.5
Shareholders' equity	408	429	602	597	701	1,193	1,170	1,226	1,397	1,476
Total equity	408	429	602	597	701	1,193	1,170	1,226	1,397	1,476
Total liabilities and equity	4,055	4,430	4,701	4,922	6,782	12,066	13,190	13,636	14,353	15,342
Shares outstanding	31.9	32.9	33.1	19.8	21.2	39.9	38.6	38.8	43.6	43.9

Cash flow statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	35.5	20.5	39.2	51.7	42	104	153	96.1	29.1	111
Depreciation and amortization	3.48	3.83	3.82	4.7	4.1	6.5	7.4	6.7	7	7.4
Stock-based compensation	2.14	2.59	3.49	1.84	7.22	5.41	4.28	4.64	6.69	7.68
Deferred income tax	3.29	9.25	2.85	-2.38	-1.97	8.6	2.66	0.64	-6.29	-15.4
Cash from operations	44.2	46.8	58.4	68.5	59.9	146	295	90.9	99.1	187
Capital expenditures	-4.27	-2.07	-5.33	-3.31	-5.13		-3.75
Purchases of investments		-117	-256	-318	-220	-1,095	-39.2	-86.1	-335	-265
Sales and maturities of investments	167	118	92.8	149	404	6.1
Cash from investing	-280	-412	-80.5	-10.4	-324	1,103	-1,332	-214	64.1	-69.4
Stock issued	48.4	0.95	1.02	1.1	1.27	0.43			136
Share buybacks				-24.2	-35.4	-59.3	-46.8	-0.95
Dividends paid	-16.1	-18.2	-18.3	-20.1	-18.7	-39.4	-36.8	-37.3	-38	-42.9
Cash from financing	245	346	223	-49.9	353	-1,099	813	411	663	953
Net change in cash	9.28	-19.1	201	8.23	88.1	150	-224	288	826	1,070
Free cash flow	40	44.8	53.1	65.2	54.8		291
Interest paid	16.6	22.9	32.3	92.7	59.1	28.5	54.9	281	343	278
Income taxes paid	21.6	8.45	2.47	11.9	15.8	34.8	43.5	37.9	28.8	53.8

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $40.37 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Pre-tax margin	807.2%	Pre-tax income / revenue.
Net margin	564.6%	Net income / revenue.
Operating cash flow margin	885.1%	Cash from operations / revenue.
Effective tax rate	30.1%	Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)	8.5%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	0.9%	Net income / average total assets.
Stock-based pay / revenue	36.5%	Stock-based compensation (from the cash flow statement) / revenue.
D&A / revenue	20.1%	Depreciation and amortization / revenue.

Growth

Metric	Value	How it is calculated
Revenue growth, 1y	19.0%	Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y	7.1%	Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Revenue CAGR, 5y	17.3%	Compound annual growth of revenue over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Net income growth, 1y	280.6%	Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y	-10.1%	Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y	21.2%	Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y	329.1%	EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y	-14.2%	Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y	6.3%	Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y	88.3%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	-14.2%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	25.5%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Book value growth, 1y	5.7%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	8.1%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	16.1%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	6.9%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	5.2%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	17.7%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	10.5%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	3.7%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	14.8%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Liabilities / assets	89.9%	Total liabilities / total assets.
Goodwill and intangibles / assets	1.1%	(Goodwill + intangible assets) / total assets.
Tangible book value	$1.36B	Shareholders' equity - goodwill - intangible assets.

Efficiency

Metric	Value	How it is calculated
Asset turnover	0.00x	Revenue / average total assets.
Fixed asset turnover	0.75x	Revenue / average property, plant and equipment.

Per share

Metric	Value	How it is calculated
EPS, diluted	$2.98	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Revenue per share	$0.53	Revenue / diluted weighted shares.
Operating cash flow per share	$4.68	Cash from operations / diluted weighted shares.
Book value per share	$34.43	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$30.85	Tangible book value / shares outstanding.
Cash per share	$43.81	(Cash + short-term investments) / shares outstanding.
Payout ratio	33.4%	Dividends paid / net income, when net income is positive.

Valuation

Metric	Value	How it is calculated
Market cap	$1.78B	Share price x shares outstanding.
Enterprise value	-$152.0M	Market cap + total debt - cash - short-term investments.
P/E	13.8x	Market cap / net income. Only when net income is positive.
P/S	78.1x	Market cap / revenue.
P/B	1.17x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	1.31x	Market cap / tangible book value, when positive.
P/OCF	8.82x	Market cap / cash from operations, when positive.
Earnings yield	7.2%	Net income / market cap (the inverse of P/E).
Dividend yield	2.4%	Dividends paid over the period / market cap.
Shareholder yield	2.4%	(Dividends paid + share buybacks) / market cap.

What was Dime Commercial Bancshares, Inc. /NY/'s revenue in fiscal 2025?

Dime Commercial Bancshares, Inc. /NY/ reported revenue of $19.9M for fiscal 2025, 19% higher than the year before.

Was Dime Commercial Bancshares, Inc. /NY/ profitable in fiscal 2025?

Yes. Net income was $110.7M, a net margin of 556%.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

Open interactive statements, quarterly figures and charts

Back to Dime Commercial Bancshares, Inc. /NY/