** Regional lender Dime Community Bancshares' DCOM.O shares slide 6.8% to $27.80

** DCOM posts Q3 profit below Wall Street expectations after beating estimates in prior quarter, as higher rainy day funds weigh

** CEO Stuart Lubow told analysts jump in credit loss provisions was primarily tied to charge-offs on loans in owner-occupied and non-owner occupied real estate segments

** "While we were pleased with deposit growth and mix, we think credit likely drives underperformance today," Stephens analyst Matt Breese says

** All five brokerages covering stock rate "buy" or higher; median PT $37 - data compiled by LSEG

** As of last close, DCOM stock down 3.5% YTD

(Reporting by Arasu Kannagi Basil in Bengaluru)

((ArasuKannagi.Basil@thomsonreuters.com;))