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

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Dime Community (DCOM - Free Report) reported $109.69 million in revenue for the quarter ended June 2025, representing a year-over-year increase of 25.6%. EPS of $0.64 for the same period compares to $0.37 a year ago.

The reported revenue represents a surprise of +1.85% over the Zacks Consensus Estimate of $107.7 million. With the consensus EPS estimate being $0.63, the EPS surprise was +1.59%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Dime Community performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Efficiency Ratio: 55% compared to the 54.9% average estimate based on two analysts.
  • Net Interest Margin: 3% versus 2.9% estimated by two analysts on average.
  • Average Balance - Total interest-earning assets: $13.2 billion versus the two-analyst average estimate of $13.31 billion.
  • Net Interest Income: $98.1 million versus $97.52 million estimated by two analysts on average.
  • BOLI income: $4.19 million compared to the $3.9 million average estimate based on two analysts.
  • Loan level derivative income: $0.94 million compared to the $0.75 million average estimate based on two analysts.
  • Non-interest income- Other: $1.04 million versus the two-analyst average estimate of $0.71 million.
  • Service charges and other fees: $4.64 million versus $4.24 million estimated by two analysts on average.
  • Total Non-Interest Income: $11.6 million compared to the $10.18 million average estimate based on two analysts.

View all Key Company Metrics for Dime Community here>>>

Shares of Dime Community have returned +10.5% over the past month versus the Zacks S&P 500 composite's +5.7% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.

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