Compared to Estimates, Dime Community (DCOM) Q2 Earnings: A Look at Key Metrics

Core Insights - Dime Community (DCOM) reported a revenue of $109.69 million for the quarter ended June 2025, marking a year-over-year increase of 25.6% and exceeding the Zacks Consensus Estimate by 1.85% [1] - The earnings per share (EPS) for the same period was $0.64, up from $0.37 a year ago, with an EPS surprise of 1.59% over the consensus estimate of $0.63 [1] Financial Performance Metrics - Efficiency Ratio stood at 55%, slightly above the average estimate of 54.9% based on two analysts [4] - Net Interest Margin was reported at 3%, compared to the estimated 2.9% by two analysts [4] - Average Balance of Total Interest-Earning Assets was $13.2 billion, slightly below the average estimate of $13.31 billion [4] - Net Interest Income reached $98.1 million, surpassing the estimated $97.52 million [4] - BOLI income was $4.19 million, exceeding the average estimate of $3.9 million [4] - Loan level derivative income was $0.94 million, compared to the average estimate of $0.75 million [4] - Non-interest income from other sources was $1.04 million, significantly higher than the average estimate of $0.71 million [4] - Service charges and other fees totaled $4.64 million, above the estimated $4.24 million [4] - Total Non-Interest Income was reported at $11.6 million, exceeding the average estimate of $10.18 million [4] Stock Performance - Dime Community shares have returned +10.5% over the past month, outperforming the Zacks S&P 500 composite's +5.7% change [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]