NYSE: DCOM · Regional Banks
Dime Community Bancshares (DCOM) fair value: undervalued or overvalued?
As of 3 Oct 2026, Faircurve's model values Dime Community Bancshares (DCOM) at $37.91 a share. The stock last closed at $39.88, which puts the model's fair value 4.9% below the price. On the model's bands that reads as Fairly valued.
Revalued . Price is the close of 2 Oct 2026. Dime Community Bancshares, Inc.
Faircurve Insights · 3 Oct 2026
Dime Community Bancshares, Inc. is the parent company for Dime Community Bank, which delivers commercial banking and financial services.
Faircurve's model valued Dime Community Bancshares, Inc. at $37.91 a share on 3 Oct 2026, the midpoint of 2,000 simulations. The previous run on 26 Sep 2026 gave $38.50, so the fair value moved -1.5%. The calibrated range over 63 trading days is $31.63 to $45.96, built from the fair value, and ranges built this way held the price 60% of the time at this horizon. The model's evidence grade is High.
The business scores on quality against comparable companies S&T Bancorp, Inc., Hope Bancorp, Inc., National Bank Holdings Corporation, Pathward Financial, Inc., City Holding Company, The Bancorp, Inc., and First Commonwealth Financial Corporation. The stock moved +0.3% after the 23 Jul 2026 earnings report, -1.5% after 23 Apr 2026, +12.5% after 21 Jan 2026, -6.1% after 23 Oct 2025, -0.7% after 24 Jul 2025, +5.9% after 22 Apr 2025, -3.0% after 23 Jan 2025, and +3.2% after 22 Oct 2024. The median size of these moves was 3.1%.
Written from the figures on this page for the 3 Oct 2026 valuation and checked by rule before publishing: every number is one printed here, no forecast, no instruction. The price, the gap and the verdict are the page's own and change daily. Not a recommendation.
What price range does the model give DCOM?
The calibrated range for DCOM over 63 trading days is $31.63 to $45.96. There is no live options data for this stock, so the range is built from the fair value and calibrated weekly against realised prices (n = 4,809 past valuations, refreshed 3 Oct 2026). Ranges built this way held the price 60% of the time at this horizon.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $29.43 to $47.94. In 44% of the simulations the fair value came out above the price the model ran on.
How does DCOM compare with similar companies?
The companies in regional banks closest to Dime Community Bancshares in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| STBA S&T Bancorp, Inc. | $49.64 | $45.12 | -9.1% | Overvalued |
| HOPE Hope Bancorp, Inc. | $13.68 | $12.19 | -10.9% | Overvalued |
| NBHC National Bank Holdings Corporation | $38.06 | $33.13 | -13.0% | Fairly valued |
| CASH Pathward Financial, Inc. | $73.96 | $99.60 | +34.7% | Undervalued |
| CHCO City Holding Company | $142.82 | $113.38 | -20.6% | Overvalued |
| TBBK The Bancorp, Inc. | $48.81 | $63.40 | +29.9% | Undervalued |
| TFIN Triumph Financial, Inc. | $62.18 | $16.51 | -73.4% | Gap wider than 60% |
| FCF First Commonwealth Financial Corporation | $20.56 | $20.00 | -2.7% | Fairly valued |
When does DCOM report earnings, and how has the stock reacted?
Dime Community Bancshares's next earnings report is scheduled for 22 Oct 2026. Companies can move their dates.
How DCOM moved around its last 8 earnings reports
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across these 8 reports, ignoring direction, was 3.1%.
| Report date | Two session move |
|---|---|
| 23 Jul 2026 | +0.3% |
| 23 Apr 2026 | -1.5% |
| 21 Jan 2026 | +12.5% |
| 23 Oct 2025 | -6.1% |
| 24 Jul 2025 | -0.7% |
| 22 Apr 2025 | +5.9% |
| 23 Jan 2025 | -3.0% |
| 22 Oct 2024 | +3.2% |
Dime Community Bancshares at a glance
Dime Community Bancshares, Inc. serves as the parent company for Dime Community Bank, which delivers a comprehensive range of commercial banking and financial services.
- Market value
- $1.8B
- Sector
- Financial Services
- Industry
- Regional Banks
- Consensus revenue growth, next fiscal year
- -29.1%
- Analysts with estimates
- 4
- Beta to the US market
- 0.62
- First valued by Faircurve
- 11 Jul 2026
How the fair value is worked out: the model prices Dime Community Bancshares on the share price against the net assets on the balance sheet, adjusted for the earnings analysts expect (price to book value), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 26 Sep 2026 the model's fair value for DCOM was $38.50. As of 3 Oct 2026 it is $37.91, a change of -1.5%. The model revalues every stock it covers each week, and again after an earnings report.
Questions about Dime Community Bancshares's valuation
Is Dime Community Bancshares stock undervalued or overvalued?
On Faircurve's model, DCOM reads as Fairly valued as of 3 Oct 2026. The model's fair value is $37.91 a share against a last close of $39.88, a gap of -4.9%.
What is DCOM's fair value?
$37.91 a share as of 3 Oct 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $29.43 to $47.94.
What price range does the model give DCOM?
$31.63 to $45.96 over 63 trading days. Ranges built this way held the price 60% of the time across 4,809 past valuations, refreshed 3 Oct 2026.
When does Dime Community Bancshares report earnings next?
The next report is scheduled for 22 Oct 2026. Companies can move their dates.
How much has DCOM moved on past earnings reports?
Across its last 8 reports the median two session move was 3.1%, ignoring direction. The largest was +12.5% around the report of 21 Jan 2026.
How confident is the model in this valuation?
The model's evidence grade for DCOM is high. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It is not a probability that the fair value is right, or that the price reaches it.