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Dime Commercial Bancshares (DCOM) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Oct 30, 2026 · Dime Commercial Bancshares (DCOM) Q3 2026 earnings results →
Q3 2026 Revenue up 17% year over year to $135M · 31¢ of every $1 of revenue kept as net profit · operating margin 41.4%
Dime Commercial Bancshares made $135M in Q3 2026 (+17% Y/Y): Net interest income $121M, Noninterest income $14.1M. Operating margin 41.4%, net earnings $41.6M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 30, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $135.3M in Q3 2026, up 17% year over year and up 7% from the previous quarter. Net interest income was the largest line at 90% of revenue. Net interest income added $17.8M year over year (up 17%), 90% of the total change.
Operating profit was $56.0M, a 41.4% margin (up 6.7 points year over year). Of the extra revenue versus Q3 2025, 81% reached operating profit, above the 35% margin then. Total costs grew 5% against revenue growth of 17%. Net earnings were $41.6M, up 50% year over year. The effective tax rate was 25.8%.
Operating cash flow was $107.9M (up 107% year over year), 260% of net earnings. Non-cash charges added back $1.1M of depreciation and amortization and $2.3M of share-based compensation. Working capital and other items added $63.0M. Capital expenditures of $744K left free cash flow of $107.2M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Oct 30, 2026 | $135M | +17% | 41.4% | $41.6M | $108M |
| Q2 2026 | 10-Q | Jul 31, 2026 | $126M | +15% | 37.9% | $34.8M | $56.1M |
| Q1 2026 | 10-Q | May 1, 2026 | $124M | +19% | 39.3% | $34.6M | $48.0M |
| Q4 2025 | 10-K | Feb 20, 2026 | $124M | +116% | 38.6% | $31.9M | $46.0M |
| Q3 2025 | 10-Q | Nov 3, 2025 | $116M | +32% | 34.7% | $27.7M | $52.1M |
| Q2 2025 | 10-Q | Aug 5, 2025 | $110M | +26% | 36.6% | $29.7M | $23.1M |
| Q1 2025 | 10-Q | May 6, 2025 | $104M | +27% | 27.6% | $21.5M | $65.4M |
Charts
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🔄Rotation against the market and its industry (RRG)interactive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Dime Commercial Bancshares
Dime Community Bancshares, Inc. (the “Company”) is engaged in commercial banking and financial services through its wholly-owned subsidiary, Dime Community Bank (the “Bank”). The Bank was established in 1910 and is headquartered in Hauppauge, New York. The Company was incorporated under the laws of the State of New York in 1988 to serve as the holding company for the Bank. The Company functions primarily as the holder of all of the Bank’s common stock. Our bank operations also include Dime Abstract LLC (“Dime Abstract”), a wholly-owned subsidiary of the Bank, which is a broker of title insurance services.
In its own words, from its 10-K, filed Feb 20, 2026.
Dime Commercial Bancshares against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +17% against the peers' median +8%. Operating margin: 41.4% against the peers' median 32.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| DCOM Dime Commercial Bancshares | Q3 2026 | $135M | +17% | 41.4% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: Dime Commercial Bancshares 10-Q on SEC EDGAR · CIK 846617 · National Commercial Banks
Guidance and outlook
13F: who owns DCOM and who is buying
More on DCOM
- How Dime Commercial Bancshares makes money: revenue by segment
- Dime Commercial Bancshares stock forecast, price target and fair value
- Who owns Dime Commercial Bancshares stock: holders, funds and Congress trades
- Dime Commercial Bancshares guidance and outlook
- Is Dime Commercial Bancshares a takeover target? LBO and rumors
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results