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- **EPS Growth Record**: Q4 core EPS up 88% YoY to $0.79, driven by $124M record revenue and 500M+ business loan growth.
- **NIM Expansion Catalyst**: $1.4B 2026 loan repricing pipeline could add 20 bps to NIM; 2027 pipeline of $1.7B could add 20-25 bps.
- **Deposit Strength**: 31% noninterest-bearing DDA mix, $1.2B year-over-year deposit growth, and sub-2% cost of funds.
- **CRE Risk Management**: CRE concentration below 400%, targeting mid-350% by end-2026 through transactional multifamily runoff.
- **Efficiency Target**: Sub-50% efficiency ratio in 2026, supported by $62.3M core expenses vs. $63M guidance.

**【CEO Summary Section】**
- Core EPS for Q4 2025 was $0.79, up 88% year-over-year, driven by record total revenues of $124 million.
- Business loans grew $175 million linked-quarter and $500 million year-over-year, with a $1.3 billion loan pipeline at 6.25%-6.5% rates.
- Deposit growth reached $1.2 billion year-over-year, with noninterest-bearing DDA at 31% of deposits.
- CRE concentration reduced to below 400%, targeting mid-350% by end-2026.
- Efficiency ratio expected to return to sub-50% in 2026.

**【CFO Financial Commentary】**
- NIM increased 1 bps to 3.11% (3.09% excluding prepayment fees), up 7 consecutive quarters.
- Core cash expenses $62.3 million (below $63 million guidance), with noninterest income $11.5 million vs. $10-10.5 million guidance.
- 2026 loan repricing opportunity: $1.4 billion at 4% WAM, potential 20 bps NIM expansion; 2027: $1.7 billion at 4.25% WAM, 20-25 bps expansion.
- 2026 core EPS guidance implied by Q4 NIM of 3.09%, with modest first-half expansion and accelerated second-half growth.

**【Q&A Highlights】**
- **Loan Growth by Industry**: Health care contributed ~50% of $500 million year-over-year business loan growth, with fund finance, lender finance, and sponsor finance teams driving specialty lending.
- **Deposit Mix**: Noninterest-bearing DDA at 31%, targeting 30%+ in 2026; new relationships require 20%-30% DDA mix.
- **Cash Deployment**: $400 million+ cash position used to hedge rate risk; 2026 loan growth expected to resume in second half, with floating-rate loans (35%-40% of portfolio) driving NIM expansion.
- **CRE Payoffs**: Transactional multifamily payoffs ~15%-20% annually; relationship CRE retention strong at competitive rates.
- **Municipal Deposits**: Q4 seasonal $225 million interest-bearing deposit outflow expected by end-February; core deposit growth ~$400 million linked-quarter excluding seasonality.

Dime Community Bancshares, Inc. (DCOM) Q4 2025 Earnings Call Transcript

- **Revenue Growth Acceleration**: Core pretax pre-provision net revenue up 10% QoQ to $54.4 million, driven by $160 million Q3 business loan growth and $1 billion YoY deposit expansion.
- **NIM Expansion Path**: NIM at 3.01% (Q3) with 20 bps potential from 2026 loan repricing, targeting 3.50% by end-2026.
- **Credit Stability**: NPAs at 50 bps of assets (industry-leading), with criticized loans down $30 million QoQ and 30-89 DPD loans down 33%.
- **Cost Efficiency**: Core expenses at $61.9 million (0.4% above guidance) due to hiring, with Q4 expenses expected at $63 million.
- **Capital Deployment**: $1.2 billion loan pipeline and new branches in Manhattan, NJ, and LI to drive organic growth.
- **Shareholder Returns**: Common equity Tier 1 at 11.5%, with potential buybacks as CRE concentration ratio improves below 400%.


**【CEO Opening Remarks】**
- **Revenue Growth**: Core pretax pre-provision net revenue increased to $54.4 million (Q3 2025) from $49.4 million (Q2 2025) and $29.8 million (Q3 2024), driven by business loan growth and deposit expansion.
- **Loan Performance**: Business loans grew by $160 million in Q3 (YoY growth of $400 million), with originations reaching $535 million at a weighted average rate of 6.95%. The loan pipeline stands at $1.2 billion with rates between 6.50% and 6.75%.
- **Deposit Strategy**: Core deposits increased by $1 billion YoY, with a cost of 2.09% in Q3. New branches opened in Manhattan, Lakewood (NJ), and planned for North Shore, Long Island.
- **NIM Expansion**: NIM reached 3.01% (excluding prepayment fees: 2.98%), up from 2.95% in Q2. Management expects further expansion to 3.25% by year-end and 3.50% in 2026.
- **Credit Quality**: Criticized loans declined by $30 million QoQ, and 30-89 DPD loans fell 33%. NPAs remain at 50 basis points of assets, well below peer levels.

**【CFO Financial Commentary】**
- **Earnings**: GAAP net income was $420 million, with Non-GAAP EPS of $1.08 (exceeding expectations). Core cash expenses were $61.9 million, up $0.4 million from guidance due to hiring.
- **Back Book Repricing**: $1.35 billion in adjustable/fixed-rate loans (weighted avg rate 4%) will reprice in 2026, potentially adding 20 bps to NIM. An additional $1.7 billion matures in 2027.
- **Liquidity & Capital**: Common equity Tier 1 ratio at 11.5%, total capital at 16.5%. Management prioritizes deploying excess liquidity into lending while maintaining strong capital ratios.
- **Expense Management**: Q4 core expenses expected at $63 million, with no major additions until 2026. Noninterest income projected at $10-10.5 million (excluding one-time fraud recovery).

**【Q&A Highlights】**
- **Credit Trends**: Charge-offs in Q3 related to owner-occupied (20%) and nonowner-occupied (80%) CRE, with no multifamily exposure. Management expects stable NPAs (~50 bps of assets) and resolution of legacy NPAs in Q4.
- **Deposit Beta**: Deposit cost reduced by 19 bps post-Fed cut, with ability to pass full rate cuts due to new deposit growth (low 2s cost). NIM expansion from rate cuts could add 5-10 bps per 25 bp cut.
- **Strategic Alternatives**: Focused on organic growth with pipeline utilization and new verticals (e.g., fund finance). No immediate M&A interest, but open to maximizing shareholder value through buybacks as capital ratios improve.
- **Multifamily Payoffs**: Q3 multifamily payoffs were elevated but expected to normalize. LTVs remain conservative, with 80-90% of maturing loans refinancing at higher rates.


Dime Community Bancshares (DCOM)-23 Oct 25-2025 Q3 Earnings call transcript

- **Core earnings surge**: Pretax pre-provision income up 75% YoY to $49M, ROA 85bps.
- **Deposit dominance**: $1.2B YoY growth, 30% noninterest-bearing deposits driving NIM to 2.98%.
- **Loan explosion**: Business loans +15% YoY ($370M), pipeline $1.2B at 6.85%.
- **NIM roadmap**: Target 3.50% by end of 2026 via $1.95B repricing loans and rate cuts (5bps per 25bp cut).
- **New verticals**: $300-500M per vertical in 2-3 years, 225-300bps over SOFR.
- **Expense guidance**: Q3 $61.5M, flattish Q4, with efficiency gains as verticals scale.
- **Capital strength**: CET1 11.25%, no buybacks planned; focused on organic growth.

**【CEO Summary Section】**
- Core pretax pre-provision income reached $49 million (up from $28 million YoY), with core ROA of 85 basis points.
- Deposit growth: $1.2 billion YoY, with new teams contributing $2.2 billion in deposits. Broker deposits reduced to minimal levels.
- NIM increased for 5 consecutive quarters, approaching 3%, driven by loan repricing and cost control.
- Business loans grew $110 million QoQ and 15% YoY ($370 million), with originations at $450 million and pipeline of $1.2 billion at 6.85%.
- New lending verticals (corporate/specialty finance, fund finance) expected to contribute $300-500 million in loans over 2-3 years.
- Regulatory approvals for new branches in Lakewood, NJ and Manhattan.

**【CFO Financial Commentary】**
- Core EPS: $0.64 (12% QoQ, 49% YoY). NIM: 2.98% (2.95% excluding prepayment fees).
- Non-brokered deposits grew $210 million QoQ; municipal relationship reduced by $125 million to optimize costs.
- Core expenses: $59.9 million (up $1.4 million QoQ due to hiring). Noninterest income: $11.6 million (loan swap income up).
- Loan loss provision: $9.2 million; allowance ratio 86 basis points.
- Capital: CET1 11.25%, total capital 15.8%.
- Guidance: Q3 core expenses $61.5 million, NIM expansion to 3.25%-3.50% over time.
- Back book repricing: $1.95 billion loans at 4.1% in H2 2025, potential 30bp NIM boost.

**【Q&A Key Highlights】**
- **Deposit trends**: 1,500 new private banking accounts QoQ, $350-400 million growth. No one-time factors; sustained retail and private banking momentum.
- **Loan pipeline rates**: New origination rate 7.10%, pipeline 6.85% (mix of fixed and floating rate loans).
- **Expense growth**: Q3 guidance $61.5 million; flattish Q4, with potential for gradual decline as verticals scale.
- **M&A**: Open to opportunities, but focused on organic growth (CRE reduction offset by C&I expansion).
- **Multifamily risk**: Granular portfolio ($2.8M avg loan), no nonperforming loans. Monitoring political risks but confident in portfolio strength.
- **Cost of deposits**: Flat at 2.09%; CD repricing to save 1-2bp, offset by new deposit inflows.
- **Verticals pricing**: 225-300bp over SOFR, floating rate assets. Health care vertical at $300-350 million, others on similar trajectory.
- **Reserves**: Target 90-100bp over time; current 86bp reflects risk profile shift to C&I.
- **Capital deployment**: Prioritize organic growth; buyback consideration in 2026 if capital ratios remain strong.


Dime Community Bancshares, Inc. (DCOM) Q2 2025 Earnings Call Transcript

- **Deposit Growth Dominance**: Core deposits up $1.3 billion Y/Y, with NIM at 2.9% driven by 2.09% deposit cost. Brokered deposits minimized, enhancing balance sheet efficiency.
- **Loan Pipeline Explosion**: $1.1 billion pipeline (7.22% yield) vs. $750 million at year-end, fueled by $400 million Y/Y business loan growth. New hires poised to accelerate 2026 growth.
- **NIM Expansion Roadmap**: 35-40 bps potential from $3.7 billion repricing loans in 2025-2026. Second-quarter NIM stable at 2.90%, with repricing acceleration in H2.
- **Strategic Expansion**: New Jersey entry and key hires (e.g., Tom Geisel) signal intent to dominate NYC commercial banking.
- **Financial Fortitude**: 11.1% CET1 ratio and $0.57 EPS highlight capital strength and profitability, despite cautious buyback stance.


**【CEO Summary Section】**
- **Core Deposit Growth**: Year-over-year increase of $1.3 billion, with non-brokered deposits reaching $1.9 billion. Brokered deposits reduced to minimal levels, improving balance sheet efficiency.
- **NIM Expansion**: Net Interest Margin (NIM) rose to 2.9% for the fourth consecutive quarter, driven by lower deposit costs (2.09%) and a $1.95 billion back-book loan repricing opportunity. Management expects NIM to expand further in the second half of 2025.
- **Loan Growth**: Business loans increased by $60 million Q/Q and $400 million Y/Y. Loan pipeline expanded to $1.1 billion (average yield 7.22%) from $750 million at year-end, supported by new hires.
- **Earnings Power**: Core pre-tax provision income grew to $46 million (vs. $28 million Y/Y), with a core ROA of 77 basis points.
- **Strategic Expansion**: Announced expansion into Lakewood, New Jersey, and hired key talent, including Tom Geisel from Sterling Bank, to drive commercial lending growth.

**【CFO Financial Commentary】**
- **EPS Performance**: Adjusted EPS of $0.57, up 36% Q/Q and 50% Y/Y. Non-GAAP metrics reflect strong cost control and operational efficiency.
- **NIM Breakdown**: Base NIM (excluding prepayment fees) at 2.90%, with potential for 35-40 basis points of expansion in 2025-2026 from loan repricing. Second-quarter NIM expected to remain range-bound at 2.90% ±3 bps.
- **Expense Management**: Core cash expenses for 2025 revised to $236.5-$237.5 million (up from $234-$235 million) due to new hires, but maintained as a percentage of assets.
- **Capital Strength**: Common equity Tier 1 ratio at 11.1%, total capital at 15.7%, enabling opportunistic growth.
- **Credit Quality**: Net charge-offs at 26 bps, allowance to loans at 83 bps, with a medium-term target of 90-100 bps.

**【Q&A Highlights】**
- **Loan Pipeline Mix**: $350 million C&I, $185 million owner-occupied CRE, $250 million healthcare. $200 million of approved loans waiting to close at 7.25% yield.
- **Deposit Strategy**: New teams bringing in deposits at 2.10% cost, with 35-40% DDA mix. Q1 core deposit growth of $250 million (excluding seasonal outflows).
- **Cash Management**: $1 billion cash balance viewed as strategic buffer, with plans to deploy into loans as pipeline closes.
- **Tariff Impact**: Monitoring CRE and construction exposure; no material spread changes yet. Line usage and service industry trends under close watch.
- **Buyback Policy**: Cautious due to macro uncertainty, but open to revisiting in 2026 as loan pipeline converts.
- **New Jersey Expansion**: First foray into NJ with a focus on Brooklyn-connected depositors, supported by local expertise.


Dime Community Bancshares (DCOM)-22 Apr 25-2025 Q1 Earnings call transcript

- **Deposit Growth Home Run**: $1.8B core deposits (40% noninterest-bearing), 11,000 new accounts, and 7,000 customer relationships.
- **Business Loan Expansion**: +$400M annual growth, pipeline of $750M at 7.15% WAM.
- **NIM Target 3%+**: 2025 guidance with 5-6bps improvement per 25bps rate cut, $1.9B adjustable loans repricing in 2025-2026.
- **Capital Strength**: >11% CET1, >15.5% total capital post-equity raise.
- **Credit Quality**: Loan loss reserves at 82bps, targeting 90-100bps. 2024 charge-offs 17-18bps.
- **CRA Compliance**: 'Outstanding' rating enhances M&A flexibility.


**【CEO Summary Section】**
- **Deposit Growth**: Achieved $1.8 billion in core deposits, 40% noninterest-bearing, with 11,000 new accounts and 7,000 customer relationships.
- **Loan Growth**: Business loans increased by $400 million annually, driven by C&amp;I and healthcare verticals. Loan pipeline of $750 million at 7.15% weighted average rate.
- **Financial Health**: Loan-to-deposit ratio below 95%, reduced wholesale borrowings by $1.2 billion. NIM expanded to 2.79% in Q4, targeting 3%+ in 2025.
- **Capital Strength**: Common equity Tier 1 ratio >11%, total capital >15.5% post-equity raise. Raised $136 million in equity, accretive to tangible book value.
- **Credit Quality**: Loan loss reserves increased to 82 basis points, targeting 90-100 basis points. 2024 charge-offs at 17-18 basis points.
- **CRA Compliance**: Received 'Outstanding' CRA rating, enhancing competitive positioning for acquisitions and organic growth.

**【CFO Financial Commentary】**
- **Q4 Financials**: Adjusted EPS up 45% vs. prior quarter. Core NIM (excluding purchase accounting) +26bps to 2.79%. Full impact of Nov rate cut and securities repositioning drove Dec NIM to 2.84%.
- **NIM Guidance**: 2025 target of 3%+ NIM, with 5-6bps improvement per 25bps rate cut. $1.9 billion of adjustable loans repricing in H2 2025 and 2026 at 3.95% WAM, potential 35-40bps NIM lift.
- **Expense Control**: Core cash expenses $57.7 million in Q4, flat YoY. Full-year 2025 guidance of $234-235 million, excluding potential hires post-bonus season.
- **Balance Sheet**: Period-end loan growth low single-digit in 2025, with CRE concentration reduction to low 400s. Attrition in CRE and multifamily may mask business loan growth in H1 2025.
- **Noninterest Income**: Guided to $40-42 million, driven by BOLI restructuring ($5-5.5 million) and loan swap income.

**【Q&A Highlights】**
- **Deposit Pricing**: 80% beta on interest-bearing deposits, 55% overall beta. Q4 deposit cost 2.05%, targeting gradual repricing with Fed cuts.
- **Loan Growth Challenges**: Higher payoff/refinance activity in Q4 ($150-175 million new loans offset by $100 million+ payoffs). CRE attrition expected to moderate in 2025.
- **Acquisition Strategy**: Open to strategic acquisitions in Tri-State area, prioritizing CRA-compliant opportunities.
- **Back Book Repricing**: $1.9 billion adjustable loans repricing in 2025-2026, targeting 3.5%+ NIM by 2027.
- **Credit Quality**: No material trends in classified assets. Charge-off guidance 20-30 basis points for 2025.


Actual									0.47	0.54	0.77	0.75	0.94	0.94	1.01	0.84	0.82	1.01	0.95	0.99	0.95	0.68	0.56	0.39	0.38	0.37	0.29	0.42	0.57	0.64	0.61	0.79
Forecast									0.564	0.514	0.722	0.71	0.5625	0.97	0.795	0.86	0.832	0.83	0.92	0.996	0.818	0.6	0.536	0.468	0.374	0.38	0.414	0.446	0.576	0.624	0.686	0.714
Surprise	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-16.67%	+5.06%	+6.65%	+5.63%	+67.11%	-3.09%	+27.04%	-2.33%	-1.44%	+21.69%	+3.26%	-0.60%	+16.14%	+13.33%	+4.48%	-16.67%	+1.60%	-2.63%	-29.95%	-5.83%	-1.04%	+2.56%	-11.08%	+10.64%

DCOM

DCOM fundamentals

DCOM Q4 2025 Earnings

Earnings Call

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DCOM

DCOM fundamentals

DCOM Q4 2025 Earnings

Earnings Call

DCOM Earnings Call Summary for Q4/20258:30 AM on Jan 21, 2026

DCOM Earnings Call Summary for Q3/20258:00 AM on Oct 23, 2025

DCOM Earnings Call Summary for Q2/20258:30 AM on Jul 24, 2025

DCOM Earnings Call Summary for Q1/20258:30 AM on Apr 22, 2025

DCOM Earnings Call Summary for Q4/20248:30 AM on Jan 23, 2025

You can ask Aime