Overview
U.S. bank's Q4 revenue hit record $124 mln, driven by core deposit and loan growth
Adjusted EPS for Q4 beat analyst expectations, rising to $0.79
Non-performing assets declined 27% on a linked quarter basis
Outlook
Dime anticipates continued revenue growth due to loan repricing opportunities through 2027
Company expects growth in core deposits and business loans to benefit over time
Dime's liquidity position allows flexibility for opportunistic lending
Result Drivers
CORE DEPOSITS - Dime reported a $1.26 bln year-over-year increase in core deposits, excluding brokered and time deposits
BUSINESS LOANS - Business loans grew $177.9 mln on a linked quarter basis and $514.0 mln year-over-year
NET INTEREST MARGIN - The net interest margin increased to 3.11% for Q4 2025 from 3.01% in the prior quarter
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 Adjusted EPS | Beat | $0.79 | $0.71 (5 Analysts) |
Q4 EPS | $0.68 | ||
Q4 Net Income | $31.86 mln | ||
Q4 Net Interest Income | $112.29 mln | ||
Q4 Net Interest Margin (%) | 3.11% |
Analyst Coverage
The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 4 "strong buy" or "buy", 1 "hold" and no "sell" or "strong sell"
The average consensus recommendation for the banks peer group is "buy"
Wall Street's median 12-month price target for Dime Community Bancshares Inc is $34.50, about 14.5% above its January 20 closing price of $30.12
The stock recently traded at 9 times the next 12-month earnings vs. a P/E of 9 three months ago
Press Release: ID:nGNX8w7qQ1
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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)