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Stock Ratings / Financials / DCOM
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Dime Commercial Bancshares Inc. (DCOM) — RQD Stock Rating Cockpit

$42.68 +2.20% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $42.95

Dime Commercial Bancshares Inc. (DCOM) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 8% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B- • BUY Cap $1.87B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on DCOM Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is DCOM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Dime Commercial Bancshares Inc. (NYSE: DCOM) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $42.68 (+2.20% 1D, market cap $1.87B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, DCOM ranks #107 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does DCOM compare to TBBK and GABC in the Financials sector?
▼

Within the Financials sector (Major Banks), DCOM carries a Roarable B- (70/100 RQD), trailing P/E of 16.9x, gross margin of —, and ROIC of 7.5%. By comparison, TBBK (The Bancorp Inc) holds a C- grade (59/100 RQD, P/E 9.0x, ROIC 33.1%, cap $1.88B) and GABC (German American Bancorp Inc.) posts a C+ grade (67/100 RQD, P/E 16.5x, ROIC 9.7%, cap $1.89B). Among the 5-stock peer group, TBBK leads on earnings multiple (9.0x) while TBBK leads on capital efficiency (33.1% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for DCOM?
▼

Per DCOM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000846617), Dime Commercial Bancshares Inc. generated $19.9M in revenue (+19.0% YoY), $110.7M in net income, and $186.6M in free cash flow against $15.34B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $42.95 (+0.64%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 937.2% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B-
025507510070
2-of-3 Quant Analysts Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw B · Rk C
Cash (14)Whales (14)SEC (13)Macro (13)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+5.4% Base Target
$53 Bull$45 Base$35 Bear
📬 FREE DCOM RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for DCOM)Realized 20D OHLCV Swing Band: ±5.1%
Deterministic 5-Pillar Attribution (70/100 Composite)
🔍 WHY DCOM SCORES 70/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+14/20 pts (20% of score)

SEC XBRL FY 2025 (10-K): 937.2% FCF Margin ($186.6M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Macro Regime Fit13/20 pts (-7 pt drag)

Macro rate sensitivity & RSI-14 (62) create a -7 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
62
Grade C+$38.04+7% Next Q
Q2 (-2Q)
65
Grade C+$40.72+2.8% Next Q
Q3 (-1Q)
67
Grade B-$41.86+2% Next Q
Current
70
Grade B-$42.68+6.6% Hist 90D α
Trajectory: C+ (62) → B- (70)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the DCOM Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 70/100 (B-) score, DCOM faces multiple-compression risk if 16.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($40.41) or 200D SMA ($37.72) invalidates the momentum regime and cuts Target Base ($44.98) toward Bear Floor ($35.00).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $DCOM• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “DCOM Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 70%NO 30%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
6230 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
6 / 99-Pt Accounting
52-WEEK LASER RANGE96% OF RANGE
L: $26$42.68H: $43
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: B-RQD 14 / 20
2. Big Money & Insiders● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 30 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 26 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

2-of-3 Quant Analysts Bullish on DCOM

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (70)

7.5% ROIC with 42.0% gross margin and 9.98% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BULLISH (72)

30/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like DCOM
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (DCOM Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
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DCOM // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +17.74%📐 HORIZONTAL RANGE
2026-11-04O $41.76H $42.68L $41.76C $42.68VOL 393.0K
RES: $43.53SUP: $36.81SMA50: $40.41SMA200: $37.72
$44.24$40.68$37.11$33.55$29.98RES $43.53SUP $36.81$42.682026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

DCOM Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 DCOM Butterfly Map → + Track DCOM →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
9.8%/yr Implied 5Y Growth

vs. +19.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on DCOM today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for DCOM. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for DCOM today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (DCOM)

Financials Rank #107 of 1097 ⚔️ TBBK vs DCOM Full Matrix →

1. Head-to-Head Financials Peer Comparison (DCOM vs. TBBK, GABC, OCFC, STBA)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Dime Commercial Bancshares Inc. (DCOM) ranks #107 by composite RQD confidence (70/100, grade B-) and #436 by equity capitalization ($1.87B). Within this direct 5-issuer industry benchmark cohort, TBBK leads on earnings valuation at 9.0x trailing P/E, while TBBK leads on capital efficiency and profitability with 33.1% ROIC and — gross margin. DCOM currently leads its immediate peer cohort in composite quantitative strength at 70/100 (B-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
DCOM ACTIVE
Dime Commercial Bancshares Inc.
B- 70/100 16.9x — 7.5% +2.20% $1.87B Benchmark Subject
TBBK
The Bancorp Inc
C- 59/100 9.0x — 33.1% -1.24% $1.88B /tbbk-vs-dcom →
GABC
German American Bancorp Inc.
C+ 67/100 16.5x — 9.7% +2.62% $1.89B /gabc-vs-dcom →
OCFC
OceanFirst Financial Corp.
D+ 54/100 26.1x — 4.0% +4.07% $1.84B /ocfc-vs-dcom →
STBA
S&T Bancorp Inc.
C+ 66/100 13.4x — 9.2% +2.93% $1.83B /stba-vs-dcom →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000846617 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Dime Commercial Bancshares Inc. (DCOM) reported GAAP revenue of $19.9M (+19.0% vs. FY2024 revenue of $16.7M , and +21.1% cumulative change since FY2023) , GAAP net income of $110.7M, operating cash flow of $186.6M, and free cash flow of $186.6M (+88.3% YoY). On the balance sheet, DCOM closed FY2025 with $15.34B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $19.9M $110.7M $186.6M $186.6M $15.34B —
FY2024 (FY) 2024-12-31 $16.7M $29.1M $99.1M $99.1M $14.35B —
FY2023 (FY) 2023-12-31 $16.4M $96.1M $90.9M $90.9M — —

3. DCOM Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is DCOM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Dime Commercial Bancshares Inc. (NYSE: DCOM) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $42.68 (+2.20% 1D, market cap $1.87B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, DCOM ranks #107 in composite RQD confidence.

How does DCOM compare to TBBK and GABC in the Financials sector?

Within the Financials sector (Major Banks), DCOM carries a Roarable B- (70/100 RQD), trailing P/E of 16.9x, gross margin of —, and ROIC of 7.5%. By comparison, TBBK (The Bancorp Inc) holds a C- grade (59/100 RQD, P/E 9.0x, ROIC 33.1%, cap $1.88B) and GABC (German American Bancorp Inc.) posts a C+ grade (67/100 RQD, P/E 16.5x, ROIC 9.7%, cap $1.89B). Among the 5-stock peer group, TBBK leads on earnings multiple (9.0x) while TBBK leads on capital efficiency (33.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for DCOM?

Per DCOM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000846617), Dime Commercial Bancshares Inc. generated $19.9M in revenue (+19.0% YoY), $110.7M in net income, and $186.6M in free cash flow against $15.34B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is DCOM trading relative to its 50-day, 200-day, and 52-week technical levels?

DCOM last traded at $42.68 (+2.20% on volume of 393,028 shares), positioning the stock +5.62% above its 50-day simple moving average ($40.41) and +13.15% above its 200-day simple moving average ($37.72). Across its 52-week range of $25.63 to $43.38, DCOM sits at the 96.1% percentile with a 14-day RSI of 62.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.1% ($40.50 to $44.86).

Direct Sub-Reports: DCOM RQD Cockpit DCOM 12M Forecast DCOM Earnings & Move DCOM Dividends & DRIP DCOM Insiders & 13F DCOM Whale Options DCOM Profit Sankey DCOM News & Why
ROARABLE RATING BRIEF • RQD 70/100 (B-) ✓ SEC XBRL & RQD VERIFIED

DCOM — Dime Commercial Bancshares Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Dime Commercial Bancshares Inc. (DCOM) earns a live Roarable RQD composite score of 70/100, corresponding to a B- letter grade (Roarable Buy) at a spot price of $42.68 (+2.20% 1D, market capitalization $1.87B).

  • Fundamental Cash Engine (14/20): Anchored by return on invested capital (ROIC) of 7.5%, gross margin of —, operating margin of —, and free cash flow yield of 9.98%.
  • Whale 13F & Options Flow (14/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Dime Commercial Bancshares Inc. (DCOM) is listed on the NYSE and classified in the Financials sector, Major Banks industry, per the market data profile. — for further business description.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Dime Commercial Bancshares Inc. (DCOM) reported $19.9M in annual revenue (up from $16.7M in FY2024, +19.0% YoY) and $110.7M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($16.4M revenue, $96.1M net income) through FY2025, DCOM scaled operating cash flow to $186.6M and free cash flow to $186.6M, backed by $15.34B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (B- • RQD 70/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 9.98% and institutional whale pillar of 14/20. With Fundamental Cash Engine at 14/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $25.63 – $43.38 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 16.9x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), DCOM carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can DCOM sustain or expand its — operating margin and 7.5% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $19.9M and free cash flow of $186.6M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is DCOM's 14.2x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

DCOM Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Dime Commercial Bancshares Inc. (DCOM) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to DCOM Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

DCOM Bull vs. Bear Conversation Board — What's Your Call at $42.68?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON DCOM 🐻 33% BEARISH CONVICTION
1. Pick Your Side on DCOM:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
QU QuantViper RQD DEBATE OPENER • Systematic Momentum Desk 🐂 BULLISH 🎯 Target: $51.78 (+24.0%)
📌 Pinned Debate

Per the RQD rating, insider conviction (16/20) and a 9.98% FCF yield support the thesis, and a $46.4 price target implies 20% upside.

Here is why I am bullish on DCOM here at $41.76: Per the RQD rating, insider conviction (16/20) and a 9.98% FCF yield support the thesis, and a $46.4 price target implies 20% upside.. Compare DCOM's 0.0% operating margin and 7.5% ROIC against the rest of Major Banks. As long as cash conversion holds up, dips toward $39.67 are getting bought.

RetailWhale_TX 🐂 BULL

@CreditSpread_Watch Shorting a 14/20 institutional whale-flow stock at $41.76 is dangerous when funds are rotating into Financials.

CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $35.08 (-16.0%)
Spot @ $41.76

The stock is up 153% per the news wire and trades near its 52-week high of $43.38 with forensic scores held to moderate levels (Altman

Careful chasing DCOM at $41.76. The stock is up 153% per the news wire and trades near its 52-week high of $43.38 with forensic scores held to moderate levels (Altman Z 2.5, Piotroski F 6/9).. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $35.08 on multiple compression.

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