Financial Performance - Net income available to common stockholders for the year ended December 31, 2025, was $103.4 million, or $2.36 per diluted common share, compared to $21.8 million, or $0.55 per diluted common share for 2024, representing a significant increase [3]. - For Q4 2025, net income available to common stockholders was $30.0 million, or $0.68 per diluted common share, up from $25.8 million, or $0.59 per diluted common share in Q3 2025 [4]. - Adjusted diluted EPS for Q4 2025 was $0.79, an 88% increase year-over-year from $0.42 in Q4 2024 [5]. - The company reported a net income of $31,856 thousand for Q4 2025, compared to a net loss of $20,413 thousand in Q4 2024, reflecting a turnaround in profitability [36]. - Reported net income available to common stockholders for Q4 2025 was $30,035 million, up from $25,849 million in Q3 2025, and a significant increase from a loss of $22,234 million in Q4 2024 [49]. Asset and Deposit Growth - Total deposits increased by $1.16 billion year-over-year, reaching $12.84 billion at the end of Q4 2025 [8]. - Total assets increased to $15,341,631 thousand as of December 31, 2025, up from $14,538,943 thousand as of September 30, 2025, representing a growth of 5.5% [33]. - Non-interest-bearing checking deposits rose to $3,915,081 thousand, an increase of 8.8% from $3,597,682 thousand in the prior quarter [33]. - The company reported a total of $12,794,195 thousand in deposits, an increase of 6.8% from $11,978,362 thousand in the previous quarter [33]. Loan Performance - Business loans grew by $177.9 million on a linked quarter basis and $514.0 million year-over-year, totaling $3.24 billion at the end of Q4 2025 [8]. - Total loans held for investment, net, reached $10,660,836 thousand, slightly up from $10,631,613 thousand in the previous quarter, indicating a marginal increase of 0.3% [33]. - Business loans increased to $3,240,600 thousand, up from $3,062,674 thousand, reflecting a growth of 5.8% [33]. - The average yield on business loans was 6.72%, slightly down from 6.74% in the previous quarter [42]. Efficiency and Profitability Metrics - The efficiency ratio improved to 52.6% in Q4 2025, down from 53.8% in Q3 2025 and significantly better than 105.9% in Q4 2024 [21]. - The return on average assets was 0.84% for Q4 2025, up from 0.77% in Q3 2025 and a recovery from -0.59% in Q4 2024 [38]. - Adjusted efficiency ratio for Q4 2025 improved to 50.3%, compared to 53.1% in Q3 2025 and 58.0% in Q4 2024 [51]. Interest Income and Margin - Total interest income for Q4 2025 was $180,484 thousand, an increase from $165,483 thousand in Q4 2024, representing a 9.0% year-over-year growth [36]. - Net interest income after provision for credit losses was $101,400 thousand for Q4 2025, up from $77,383 thousand in Q4 2024, marking a 31.0% increase [36]. - The net interest margin increased to 3.11% in Q4 2025, compared to 3.01% in Q3 2025 and 2.79% in Q4 2024 [10]. Non-Performing Assets and Credit Quality - Non-performing assets declined by 27% on a linked quarter basis, representing 0.34% of total assets at the end of Q4 2025 [9]. - Total non-performing assets (NPAs) increased to $52,762 thousand in December 2025 from $49,479 thousand in December 2024, reflecting a rise of approximately 6.5% year-over-year [45]. - Non-performing loans (NPLs) for business loans rose to $22,606 thousand in December 2025, compared to $21,005 thousand in September 2025, marking an increase of about 7.6% [45]. - The company emphasized its commitment to enhancing asset quality and managing non-performing loans effectively in the upcoming quarters [45]. Shareholder Returns - Cash dividends paid per common share remained stable at $0.25 for both Q4 2025 and Q4 2024, reflecting consistent shareholder returns [38]. - Book value per common share as of December 31, 2025, was $30.99, compared to $30.44 as of September 30, 2025 and $29.34 as of December 31, 2024 [54].

Core Insights - Dime Community Bancshares, Inc. reported a record quarterly revenue of $124 million for Q4 2025, reflecting strong performance in core deposits and business loans [5][6] - The company achieved a net income available to common stockholders of $30.0 million, or $0.68 per diluted common share, for the quarter ended December 31, 2025, compared to $25.8 million, or $0.59 per diluted common share, for the previous quarter [3][39] - The adjusted diluted EPS for Q4 2025 was $0.79, an 88% increase year-over-year, indicating effective execution of the company's organic growth strategy [4][5] Financial Performance - For the year ended December 31, 2025, net income available to common stockholders was $103.4 million, or $2.36 per diluted common share, significantly up from $21.8 million, or $0.55 per diluted common share, in 2024 [2][39] - Net interest income for Q4 2025 was $112.3 million, up from $103.4 million in Q3 2025 and $91.1 million in Q4 2024, with a net interest margin of 3.11% [7][39] - Total deposits increased by $1.16 billion year-over-year, reaching $12.84 billion at the end of Q4 2025 [15][39] Loan and Deposit Growth - Core deposits (excluding brokered and time deposits) increased by $1.26 billion year-over-year, while business loans grew by $177.9 million on a linked quarter basis and $514.0 million year-over-year [9][15] - The loan-to-deposit ratio declined to 83.8% at the end of Q4 2025, down from 88.9% in the previous quarter, indicating a strong deposit growth relative to loans [9][39] Credit Quality and Capital Management - Non-performing loans decreased to $52.3 million at December 31, 2025, compared to $72.1 million at September 30, 2025, and $49.5 million at December 31, 2024 [22][39] - Stockholders' equity increased to $1.48 billion at December 31, 2025, with a Common Equity Tier 1 Ratio of 11.66% [23][39] Efficiency and Expense Management - The efficiency ratio improved to 52.6% in Q4 2025, down from 53.8% in the previous quarter and significantly better than 105.9% in Q4 2024 [20][39] - Total non-interest expense was $65.1 million in Q4 2025, compared to $62.2 million in Q3 2025 and $60.6 million in Q4 2024 [18][39]

Core Viewpoint - Dime Community Bancshares, Inc. is set to release its earnings for the quarter ended December 31, 2025, on January 21, 2026, before the U.S. equity markets open, with a conference call scheduled for the same day to discuss the financial performance [1]. Group 1 - The earnings release will occur before the market opens on January 21, 2026 [1]. - A conference call will be held at 8:30 a.m. (ET) on January 21, 2026, featuring remarks from President and CEO Stuart Lubow [1]. - There will be a question-and-answer session following the CEO's remarks during the conference call [1]. Group 2 - Participants can access the conference call via a webcast link or by telephone after registering in advance [2]. - Telephone participants will receive a confirmation email with dial-in details and a unique PIN [2]. - It is recommended that all participants join the call 10 minutes early [2]. Group 3 - A replay of the conference call and webcast will be available on-demand for 12 months [3]. Group 4 - Dime Community Bancshares, Inc. is the holding company for Dime Community Bank, which has over $14 billion in assets and holds the number one deposit market share among community banks in Greater Long Island [4]. - The company has a significant deposit market share in Kings, Queens, Nassau, and Suffolk counties for community banks with less than $20 billion in assets [5].

Core Viewpoint - Dime Community Bancshares, Inc. has awarded a grant to Junior Achievement of Long Island to support financial literacy, career readiness, and entrepreneurship education for low-to-moderate income communities [1] Company Overview - Dime Community Bancshares, Inc. is the holding company for Dime Community Bank, which is a New York State-chartered trust company with over $14 billion in assets [2] - Dime Community Bank holds the number one deposit market share among community banks on Greater Long Island [2][3]

Core Viewpoint - Dime Community Bancshares, Inc. has awarded a grant to Accompany Capital to support underserved entrepreneurs in New York City, aiming to create jobs and stimulate economic growth [1]. Company Overview - Dime Community Bancshares, Inc. is the parent company of Dime Community Bank, which is a New York State-chartered trust company with over $14 billion in assets [2]. - The company holds the number one deposit market share among community banks in Greater Long Island, specifically for community banks with less than $20 billion in assets [2][3].

Core Viewpoint - Dime Community Bancshares, Inc. has received regulatory approvals to open a new branch in Locust Valley, enhancing its presence in the Greater Long Island area [1]. Group 1: Company Overview - Dime Community Bancshares, Inc. is the parent company of Dime Community Bank, which is a New York State-chartered trust company with over $14 billion in assets [3]. - The company holds the number one deposit market share among community banks in Greater Long Island, specifically in Kings, Queens, Nassau, and Suffolk counties for community banks with less than $20 billion in assets [3][4]. Group 2: New Branch Details - The new branch will be located at 85 Forest Avenue and will be managed by Liz Materia, who previously served as a branch manager at The First National Bank of Long Island [2].

Core Viewpoint - Dime Community Bancshares, Inc. has awarded a grant to Transitional Services for Long Island to support housing and services for vulnerable populations in Suffolk County [1] Group 1: Company Overview - Dime Community Bancshares, Inc. is the parent company of Dime Community Bank, which is a New York State-chartered trust company with over $14 billion in assets [2] - Dime Community Bank holds the number one deposit market share among community banks in Greater Long Island [2][3] Group 2: Community Engagement - The grant awarded to Transitional Services for Long Island reflects the company's commitment to supporting local communities by providing essential services to adults, families, and homeless individuals [1]

Core Insights - The focus is on income investing through common shares, preferred shares, or bonds, with occasional discussions on broader economic topics or specific company situations [1]. Group 1 - The author has a background in history, political science, and an MBA with a specialization in Finance and Economics, indicating a strong analytical foundation [1]. - The author has been investing since 2000, suggesting extensive experience in the investment landscape [1]. - The author currently serves as the CEO of an independent living retirement community in Illinois, which may provide insights into the healthcare and retirement sectors [1].

Core Insights - Dime Community Bancshares, Inc. (NASDAQ:DCOM) operates primarily in the New York metropolitan area, providing a range of personal and business banking services, and competes with regional banks such as Flushing Financial Corporation and Brookline Bancorp [1] - DCOM's Return on Invested Capital (ROIC) is 2.15%, while its Weighted Average Cost of Capital (WACC) is 15.71%, resulting in a ROIC to WACC ratio of 0.137, indicating inefficiency in capital use [2][5] - Comparative analysis shows that CVB Financial Corp. (CVBF) and City Holding Company (CHCO) have more favorable ROIC to WACC ratios, suggesting they are more efficient in generating returns than DCOM [4][5] Financial Efficiency Comparison - Flushing Financial Corporation (FFIC) has a negative ROIC of -12.80% and a WACC of 16.70%, leading to a ROIC to WACC ratio of -0.767, indicating greater inefficiency than DCOM [3] - Brookline Bancorp (BRKL) and OceanFirst Financial Corp. (OCFC) also show negative ROIC to WACC ratios of -0.082 and 0.012, respectively, further highlighting inefficiencies in these institutions [3] - In contrast, CVB Financial Corp. (CVBF) has a ROIC of 5.15% and a WACC of 9.05%, resulting in a ratio of 0.570, while CHCO has a ROIC of 18.41% and a WACC of 7.79%, achieving a ratio of 2.361, indicating superior efficiency [4]

Core Viewpoint - Dime Community Bancshares, Inc. has awarded a grant to Long Island Cares to support services for food insecurity in Nassau and Suffolk counties [1] Group 1: Company Overview - Dime Community Bancshares, Inc. is the holding company for Dime Community Bank, which is a New York State-chartered trust company with over $14 billion in assets [2] - Dime Community Bank holds the number one deposit market share among community banks in Greater Long Island [2][3] Group 2: Investor Relations - The investor relations contact for Dime Community Bancshares, Inc. is Avinash Reddy, Senior Executive Vice President and Chief Financial Officer [3]