Dime Commercial Bancshares, Inc. /NY/ (DCBG) intrinsic value & 10-year financials
Dime Commercial Bancshares, Inc. /NY/ (DCBG) has a Graham intrinsic value of $78.39 per share. Over the last 10 fiscal years revenue grew 10.1% a year to $19.9M, with an average return on invested capital of 8.5%.
- Graham intrinsic value
- $78.39
- Revenue (FY2025)
- $19.9M
- Revenue growth (10-yr CAGR)
- 10.1%
- ROIC (10-yr avg)
- 8.5%
- Free cash flow (FY2025)
- —
DCBG 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $19.9M | $110.7M | $2.36 | — | — | 7.7% |
| FY2024 | $16.7M | $29.1M | $0.55 | — | — | 2.2% |
| FY2023 | $16.4M | $96.1M | $2.29 | — | — | 8.0% |
| FY2022 | $16.2M | $152.6M | $3.73 | $291.4M | — | 12.9% |
| FY2021 | $16.0M | $104.0M | $2.45 | — | — | 12.2% |
| FY2020 | $5.6M | $42.0M | $0.00 | $42.3M | — | 8.3% |
| FY2019 | $5.8M | $51.7M | $0.00 | $66.7M | — | 10.9% |
| FY2018 | $9.9M | $39.2M | $0.00 | $53.1M | — | 8.9% |
| FY2017 | $9.0M | $20.5M | $0.00 | $44.8M | — | 4.9% |
| FY2016 | $8.4M | $35.5M | $0.00 | $40.0M | — | 8.7% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Dime Community Bancshares, Inc. /NY/ is a consistent compounder, expanding top-line revenue at 10.1% annually over the past decade.
Dime Community Bancshares, Inc. /NY/ 10-year average ROIC is N/A; capital efficiency cannot be assessed from the available history.
Dime Community Bancshares, Inc. /NY/ has not shown aggressive share repurchases (>10% retirement) or a major balance-sheet leverage increase (>50% net debt growth) over the 10-year window.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Dime Community Bancshares, Inc. /NY/ is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $78.39 per share.