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Here's What Key Metrics Tell Us About Dime Community (DCOM) Q1 Earnings

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Dime Community (DCOM - Free Report) reported $123.6 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 19%. EPS of $0.74 for the same period compares to $0.57 a year ago.

The reported revenue represents a surprise of +0.89% over the Zacks Consensus Estimate of $122.51 million. With the consensus EPS estimate being $0.77, the EPS surprise was -3.27%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

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: 50.8% versus the three-analyst average estimate of 51.7%.
  • Net Interest Margin: 3.2% versus the three-analyst average estimate of 3.1%.
  • Average Balance - Total interest-earning assets: $14.2 billion compared to the $14.37 billion average estimate based on three analysts.
  • NCOs / Average loans: 0.3% versus 0.2% estimated by two analysts on average.
  • Net Interest Income: $112.25 million versus $111.42 million estimated by three analysts on average.
  • Total Non-Interest Income: $11.35 million versus the three-analyst average estimate of $11.08 million.
  • Service charges and other fees: $5.73 million versus the three-analyst average estimate of $5.16 million.
  • Loan level derivative income: $0.47 million versus the two-analyst average estimate of $0.4 million.
  • Non-interest income- Other: $0.73 million versus the two-analyst average estimate of $0.75 million.
  • Title fees: $0.14 million versus the two-analyst average estimate of $0.37 million.
  • BOLI income: $4.56 million versus the two-analyst average estimate of $4.23 million.

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

Shares of Dime Community have returned +7.5% over the past month versus the Zacks S&P 500 composite's +9.7% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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