← Back to Stock Screener← Stock Screener

ZYBERNO

Stock Report

Updated Jun 11, 2026

DIME COMMUNITY BANCSHARES, INC. (DCOMP)

Financial Services • NASDAQ

$17.99

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

43.0/100

WEAK BUSINESS

DIME COMMUNITY BANCSHARES, INC. (DCOMP) scores 43/100 — weak fundamentals with mixed indicators requiring careful analysis before acting.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full DCOMP quality analysis & detailed breakdown

VALUATION SIGNAL

N/A (Requires more data)

Requires fair value calculation and current price data

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full DCOMP valuation analysis · → View full DCOMP Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):POOR (8.5%)

Debt-to-Equity (Solvency Risk):EXCELLENT (0.06x)

Operating Margin (Operational Efficiency):EXCELLENT (25.3%)

Return on Capital (Capital Efficiency):EXCELLENT (98.6%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

DIME COMMUNITY BANCSHARES, INC. (DCOMP) stock report — Zyberno Score 43/100 (WEAK BUSINESS). Full financial analysis on Zyberno.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:17.99

Market Cap:$775.53M

Valuation Multiples (4)

P/E Ratio:

6.76x

📊 Click to view full DCOMP P/E analysis →

P/B Ratio:0.52x

P/S Ratio:1.11x

Peg Ratio:0.08x

Enterprise Metrics (3)

Enterprise Value:-$593.81M

Ev Ebitda Ratio:-3.28x

Pfcf Ratio:4.24x

B. Profitability Assessment

Return Metrics (5)

ROE:

8.5%

📊 Click to view full DCOMP ROE analysis →

ROA:0.8%

Roic:

98.6%

📊 Click to view full DCOMP ROIC analysis →

Reinvestment Rate:-2.9%

Fundamental Growth Rate (g):-2.9%

Margin Analysis (3)

Operating Margin Ttm:25.3%

Net Margin Ttm:17.8%

Ebitda Margin:26.0%

TTM Performance (2)

Operating Margin Ttm:25.3%

Net Margin Ttm:17.8%

Yield Metrics (2)

Earnings Yield:$14.79

Dividend Yield:5.5%

C. Log-Linear Regression Growth Trends

Earnings Surprise (SUE) (3)

Earnings Surprise (SUE):

+0.63

📊 Click to view full DCOMP Earnings Surprise analysis →

EPS Surprise vs Expected:68.8%

Latest Earnings Filed:2026-05-01

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):12.3%

Earnings Growth (Linear) (1)

Net Income Growth Rate (Linear):-7.1%

Cash Flow Growth (Linear) (1)

Operating Cash Flow Growth Rate (Linear):-2.9%

Operating Growth (Linear) (1)

Operating Income Growth Rate (Linear):-5.7%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:0.16x

Quick Ratio:0.16x

Cash Ratio:0.16x

Leverage Analysis (3)

Debt To Equity Ttm:0.06x

Debt-to-Equity Ratio:0.06x

Debt To Ebitda:3.81x

Coverage Ratios (2)

Interest Coverage Ratio:0.37x

Times Interest Earned:0.37

Capital Structure (4)

Working Capital:-10,539,392,000.00

Cash And Cash Equivalents:2,059,618,000.00

Long Term Debt:$42.43M

Net Debt:-$1.37B

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $696.98M

Linear Growth: 12.3%

📊 Click to view full DCOMP Revenue analysis & methodology →

Cost Of Revenue Ttm:$0.00

Profitability Breakdown (2)

$0.00

Operating income TTM: $176.62M

Linear Growth: -5.7%

📊 Click to view full DCOMP Operating Income analysis & methodology →

Bottom Line Performance (3)

Net income TTM: $123.81M

Linear Growth: -7.1%

📊 Click to view full DCOMP Net Income analysis & methodology →

Income Before Tax:$176.62M

Ebitda Ttm:181,236,000.00

Operating Expenses (5)

Operating Expenses:250,347,000.00

R And D Expense:0.00

Sga Expense:0.00

Income Tax Expense:$52.81M

Interest Expense:426,036,000.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%

Sga To Revenue Percentage:0.0%

Ebitda Margin:26.0%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$15.00B

Current Assets:$2.06B

Ppe Net:30,580,000.00

Goodwill:155,797,000.00

Intangible Assets:$2.73M

Liability Structure (4)

Total Liabilities:13,502,533,000.00

Current Liabilities:12,599,010,000.00

Long Term Debt:$42.43M

Short Term Debt:$647.84M

Equity & Capital (3)

Equity:$1.50B

Retained Earnings:$876.13M

Common Stock:80,000,000.00

Working Capital Items (3)

Accounts Receivable:0.00

Inventory:0.00

Accounts Payable:0.00

Special Items (2)

Contract Liabilities:0.00

Stock Based Compensation:1,838,000.00

C. Cash Flow Analysis

Operating Activities (2)

Operating cash flow TTM: $169.12M

Linear Growth: -2.9%

$182.82M

Investment Activities (1)

Investing Cash Flow:$26.56M

Financing Activities (3)

Financing Cash Flow:-$368.88M

Dividends Paid Ttm:43,002,000.00

Stock Repurchase:0.00

Capital Transactions (3)

Common Stock Issuance:1,267,000.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$0.00

Non-Cash Items (1)

Depreciation Amortization Ttm:4,618,000.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):2.66

Eps diluted TTM: $2.66

Linear Growth: -12.1%

📊 Click to view full DCOMP EPS analysis & methodology →

Earnings Per Share Ttm:$2.87

Revenue & Cash Per Share (2)

Sales Per Share Ttm:16.17

Operating Cash Flow Per Share:$4.33

Book Value & Capital (2)

Book Value Per Share:$34.73

Cash Per Share:47.78

Dividend Policy (1)

Dividend Payout Ratio:36.95x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:0.05x

Working Capital Turnover Ttm:-999.00x

Receivables Management (2)

Receivables Turnover Ttm:-999.00x

Days Sales Outstanding Ttm:-999.00

Inventory Management (2)

Inventory Turnover Ttm:-999.00x

Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:-999.00

Cash Conversion Cycle:-999.00

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:60.00

Quality Score:90.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Damodaran Growth Analysis (2)

Reinvestment Rate:-2.9%

Fundamental Growth Rate (g):-2.9%

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (3)

Revenue Growth Rate (Linear):12.3%

Net Income Growth Rate (Linear):-7.1%

Operating Income Growth Rate (Linear):-5.7%

Cash Flow Growth Rates (1)

Operating Cash Flow Growth Rate (Linear):-2.9%

Other Growth Rates (1)

Book Value Growth Rate (Linear):6.6%

C. Company Profile & Context

Corporate Information (6)

Symbol:DCOMP

Company Name:DIME COMMUNITY BANCSHARES, INC.

Sector:Financial Services

Industry:Banking

Exchange:NASDAQ

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:medium

Volume Category:N/A

Share Structure (3)

Shares Outstanding:43.11M

Shares Outstanding Basic:43.11M

Shares Outstanding Diluted:43.11M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-06-11 03:43:05 UTC

Data Timestamp:2026-06-11T03:43:05.834156