Dime Community Bancshares, Inc. Financial Ratios — DCOM

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	13.74	10.92	11.12	10.65	10.18	15.17	9.98	9.31	6.3	6.34	15.4	20.48	11.27	2.71	12.54
Return on Assets (%)	1.17	1.02	1.1	1.04	0.94	1.31	0.84	0.81	0.57	0.64	1.1	1.21	0.72	0.21	0.75
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	1.99	2.4	2.08	1.99	2	1.52	2.24	3.19	3.18	2.55	2.61	2.44	2.11	2.18	1.24
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	53.51	56.01	53.61	55.95	55.41	88.25	54.16	42.81	29.36	27.63	37.07	50.7	38.8	16.38	34.62
Profit Margin (%)	32.09	33.6	32.03	33.29	32.64	47.95	31.67	32.91	22.67	21.27	26.02	36.49	27.24	9.26	24.44
Net Income to Common Margin (%)	32.09	33.6	32.03	33.29	32.64	47.95	31.67	32.91	22.67	18.86	24.2	34.75	25.17	6.94	22.83
Effective Tax Rate (%)	40.04	40.02	40.25	40.51	41.1	45.67	41.53	23.12	22.78	23.04	29.81	28.01	29.8	43.46	29.41
Dvd Payout Ratio (%)	39.95	47.69	45.3	45.44	45.32	28.38	40.48	40.61	55.5	49.85	40.69	25.33	42	174.49	41.52
Sustainable Growth Rate (%)	8.25	5.71	6.08	5.81	5.56	10.86	5.94	5.53	2.8	3.18	9.13	15.3	6.53	-2.02	7.33

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	940	842	910	1,174	1,167	831	1,284	1,239	1,360	1,478	288	1,392	1,569	979	826
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	50	- -
LT Debt	940	842	910	1,174	1,167	831	1,284	1,239	1,360	1,478	288	1,392	1,569	929	826
Total Debt/EBITDA	320.2	292.53	321.1	444.42	426.12	361.99	349.47	249.57	268.03	291.56	27.64	136.54	210.56	142.82	146.96
Net Debt/EBITDA	305.44	265.08	304.95	414.82	402.69	312.55	303.34	219.91	228.7	235.64	-16.46	114.01	141.7	-51.52	-279.88
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.92	9.72	10.02	9.51	8.98	8.39	8.37	8.96	9.16	8.86	5.43	5.79	5.97	5.54	5.57
Long-Term Debt/Equity (%)	260.3	215.16	208.95	255.31	236.2	146.88	214.45	205.8	227.94	210.8	24.17	118.98	127.93	66.55	55.99
Long-Term Debt/Capital (%)	72.38	68.93	69.28	73.29	72.07	62.25	70.56	68.64	70.02	67.32	27.19	61.27	62.78	49.15	45.97
Long-Term Debt/Total Assets (%)	23.37	21.57	22.59	26.1	23.18	13.84	20.05	19.6	21.41	21.79	2.39	10.55	11.5	6.47	5.39
Total Debt/Equity (%)	260.3	215.16	208.95	255.31	236.2	146.88	214.45	205.8	227.94	210.8	24.17	118.98	127.93	70.13	55.99
Total Debt/Capital (%)	72.38	68.93	69.28	73.29	72.07	62.25	70.56	68.64	70.02	67.32	27.19	61.27	62.78	51.79	45.97
Total Debt/Total Assets (%)	23.37	21.57	22.59	26.1	23.18	13.84	20.05	19.6	21.41	21.79	2.39	10.55	11.5	6.82	5.39
Net Debt to Equity	248.31	194.96	198.44	238.3	223.22	126.82	186.14	181.35	194.5	170.37	-14.39	99.35	86.09	-25.29	-106.62
Net Debt/Capital (%)	71.43	66.78	68.17	71.92	70.92	58.74	67.53	65.85	64.95	61.19	-25.76	55.28	51.72	-58.17	282.72
EBITDA	3	3	3	3	3	2	4	5	5	5	10	10	7	7	6
EBITDA-CapEx	-1	-2	1	1	1	-3	-6	1	3	4	10	6	2	1	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.92	9.72	10.02	9.51	8.98	8.39	8.37	8.96	9.16	8.86	5.43	5.79	5.97	5.54	5.57
Long-Term Debt/Equity (%)	260.3	215.16	208.95	255.31	236.2	146.88	214.45	205.8	227.94	210.8	24.17	118.98	127.93	66.55	55.99
Long-Term Debt/Capital (%)	72.38	68.93	69.28	73.29	72.07	62.25	70.56	68.64	70.02	67.32	27.19	61.27	62.78	49.15	45.97
Long-Term Debt/Total Assets (%)	23.37	21.57	22.59	26.1	23.18	13.84	20.05	19.6	21.41	21.79	2.39	10.55	11.5	6.47	5.39
Total Debt/Equity (%)	260.3	215.16	208.95	255.31	236.2	146.88	214.45	205.8	227.94	210.8	24.17	118.98	127.93	70.13	55.99
Total Debt/Capital (%)	72.38	68.93	69.28	73.29	72.07	62.25	70.56	68.64	70.02	67.32	27.19	61.27	62.78	51.79	45.97
Total Debt/Total Assets (%)	23.37	21.57	22.59	26.1	23.18	13.84	20.05	19.6	21.41	21.79	2.39	10.55	11.5	6.82	5.39
CFO/Total Liabilities	1.71	2.07	1.7	1.17	1.1	0.37	0.75	1.12	1.19	0.99	1.35	2.46	0.73	0.76	1.35
CFO/CapEx	16.11	16.44	31.15	29.21	33.7	3.47	4.69	14.99	39.84	62.82	- -	78.82	15.88	15.83	45.16
Altman's Z-Score	0.27	0.29	0.33	0.31	0.3	0.3	0.28	0.25	0.28	0.21	0.19	0.18	0.16	0.16	0.16

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.43	10.66	9.42	6.77	5.63	8.12
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	31.93	34.23	38.73	53.92	64.86	44.94
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	672	695	921	962	1,099	1,395	1,316	945	1,201	521	1,388	1,240	1,044	1,218	1,295
- Cash & Cash Equivalents	43	79	46	78	64	114	169	147	155	244	394	169	458	1,284	2,354
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	117	117	117	117	117	117
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	940	842	910	1,174	1,167	831	1,284	1,239	1,360	1,478	288	1,392	1,569	979	826
Enterprise Value	1,300	1,376	1,735	2,028	2,197	2,105	2,075	1,534	1,855	1,333	-165	1,628	1,386	340	-133
Total Capital	1,298	1,222	1,314	1,601	1,619	1,335	1,819	1,805	1,943	2,195	1,060	2,271	2,499	1,891	1,797
Total Debt/Capital (%)	72.38	68.93	69.28	73.29	72.07	62.25	70.56	68.64	70.02	67.32	27.19	61.27	62.78	51.79	45.97
Total Debt / EV	0.72	0.61	0.52	0.58	0.53	0.39	0.62	0.81	0.73	1.11	-1.75	0.85	1.13	2.88	-6.2
EV/Sales	8.82	11.47	12.76	15.25	16.02	13.92	12.66	9.85	11.62	6.7	- -	3.89	3.93	1.08	- -
EV/EBITDA	442.99	477.87	612.05	767.73	802.45	916.91	564.83	309.03	365.53	262.94	- -	159.73	186.01	49.57	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	20.77	18.93	28.37	42.9	43.81	104.95	47.95	23.86	27.08	22.24	- -	5.52	15.25	3.43	- -
EV/Free Cash Flow to Firm	19.56	17.84	27.48	41.48	42.55	81.49	39.52	22.37	26.42	21.89	- -	5.45	14.35	3.23	- -
Diluted Market Cap	673	699	921	962	1,105	1,395	1,316	945	1,201	521	1,388	1,240	1,044	1,218	1,295
Diluted Enterprise Value	1,569	1,462	1,785	2,058	2,208	2,113	2,430	2,037	2,406	1,872	1,399	2,579	2,272	1,031	-117
EV per Share	38.48	40.29	48.99	56.37	60.85	57.19	55.18	41.37	51.78	61.88	- -	41.8	35.73	8.58	- -
TTM Sales	147	120	136	133	137	151	164	156	160	199	400	418	353	314	453
TTM EBITDA	3	3	3	3	3	2	4	5	5	5	10	10	7	7	6
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	63	73	61	47	50	20	43	64	68	60	146	295	91	99	187
TTM Free Cash Flow to Firm	66	77	63	49	52	26	52	69	70	61	146	299	97	105	191

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	10.12	9.06	14.59	19.69	21.4	54	25.07	13.78	17.11	8.55	9.48	4.15	10.81	11.57	6.79
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	1,300	1,376	1,735	2,028	2,197	2,105	2,075	1,534	1,855	1,333	-165	1,628	1,386	340	-133
Low Price	17.31	18.68	19.27	22.83	24.21	26.23	29.8	24.12	25.18	16.51	23.45	28.36	15.57	17.29	23.25
EV/Sales	8.82	11.47	12.76	15.25	16.02	13.92	12.66	9.85	11.62	6.7	- -	3.89	3.93	1.08	- -
EV/EBITDA	442.99	477.87	612.05	767.73	802.45	916.91	564.83	309.03	365.53	262.94	- -	159.73	186.01	49.57	- -
Price/Earnings	14.21	17.24	21.14	21.75	24.54	19.24	25.36	18.43	33.2	13.87	14.35	8.53	11.76	55.89	12.52
Price/Earnings Average	14.85	17.58	17.94	20.33	21.79	15.18	24.84	24.32	29.84	12.84	13.27	8.81	9.86	43.94	11.92
Price/Earnings High	18.6	21.02	21.41	22.81	26.13	19.77	27.86	27.48	33.91	19.32	15.65	10.24	14.65	68.36	14.15
Price/Earnings Low	12.36	15.83	15.67	18.56	19.52	13.31	21.59	17.44	24.93	9.47	9.57	7.6	6.8	31.44	9.67
Price/Book Value	1.88	1.83	2.28	2.25	2.43	2.77	2.46	1.67	2.06	0.87	2.12	1.62	1.28	1.53	1.51
Price/Book Value Average	1.96	1.87	1.94	2.1	2.16	2.18	2.41	2.2	1.85	0.8	1.96	1.68	1.08	1.2	1.44
Price/Book Value High	2.45	2.23	2.31	2.36	2.59	2.84	2.7	2.49	2.11	1.21	2.31	1.95	1.6	1.87	1.71
Price/Book Value Low	1.63	1.68	1.69	1.92	1.93	1.92	2.09	1.58	1.55	0.59	1.41	1.45	0.74	0.86	1.17
Price/Tangible Book Value	2.2	2.07	2.42	2.38	2.51	2.73	2.42	1.73	2.22	0.98	1.52	1.39	1.1	1.09	1.08
Price/Tangible Book Value Average	2.3	2.11	2.06	2.23	2.23	2.16	2.37	2.28	2	0.91	1.41	1.44	0.92	0.85	1.03
Price/Tangible Book Value High	2.88	2.52	2.45	2.5	2.67	2.81	2.66	2.58	2.27	1.37	1.66	1.67	1.37	1.33	1.22
Price/Tangible Book Value Low	1.92	1.9	1.8	2.03	1.99	1.89	2.06	1.64	1.67	0.67	1.02	1.24	0.64	0.61	0.83
Price/Sales	4.56	5.79	6.77	7.24	8.01	9.22	8.03	6.07	7.53	2.62	3.47	2.97	2.96	3.88	2.86
Price/Sales Average	4.77	5.91	5.74	6.77	7.11	7.28	7.87	8	6.77	2.42	3.21	3.06	2.48	3.05	2.72
Price/Sales High	5.97	7.06	6.86	7.59	8.53	9.48	8.82	9.04	7.69	3.64	3.79	3.56	3.69	4.74	3.23
Price/Sales Low	3.97	5.32	5.02	6.18	6.37	6.38	6.84	5.74	5.65	1.79	2.32	2.64	1.71	2.18	2.21
Price/Cash Flow	10.74	9.56	15.05	20.36	21.91	69.55	30.42	14.7	17.54	8.69	9.48	4.2	11.49	12.3	6.94
Price/Cash Flow Average	11.23	9.75	12.77	19.03	19.45	54.89	29.79	19.39	15.77	8.04	8.77	4.34	9.64	9.67	6.61
Price/Cash Flow High	14.06	11.65	15.25	21.36	23.33	71.47	33.41	21.92	17.92	12.1	10.35	5.04	14.32	15.04	7.84
Price/Cash Flow Low	9.35	8.78	11.16	17.38	17.43	48.13	25.9	13.91	13.17	5.93	6.33	3.74	6.64	6.92	5.36
Price/Free Cash Flow Average	10.57	9.24	12.38	18.4	19	42.62	24.55	18.18	15.38	7.92	8.77	4.28	9.06	9.09	6.46
Price/Free Cash Flow High	13.24	11.05	14.78	20.65	22.79	55.5	27.54	20.55	17.48	11.91	10.35	4.98	13.47	14.15	7.67
Price/Free Cash Flow Low	8.8	8.32	10.81	16.8	17.03	37.37	21.34	13.04	12.85	5.84	6.33	3.7	6.25	6.51	5.25
EV/Sales Average	10.85	12.27	12.1	15.01	15.15	12.03	14.67	15.01	14.32	9.21	3.24	6.26	5.96	2.45	- -
EV/Sales High	12.05	13.43	13.21	15.84	16.57	14.22	15.62	16.05	15.24	10.43	3.82	6.76	7.17	4.15	0.11
EV/Sales Low	10.05	11.68	11.37	14.42	14.41	11.13	13.64	12.75	13.2	8.58	2.34	5.85	5.19	1.58	- -
EV/EBITDA Average	544.82	511.1	580.58	755.37	758.99	792.11	654.17	471.1	450.17	361.57	124.13	256.95	282.32	112.3	-31.8
EV/EBITDA High	605.25	559.23	634.01	797.02	829.96	936.99	696.9	503.76	479.19	409.56	146.24	277.34	339.43	189.95	9.18
EV/EBITDA Low	504.74	486.64	545.69	725.78	721.95	733.07	608.36	400.08	415.15	336.65	89.83	239.74	245.84	72.56	-73.08
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	19.9	20.34	26	26.75	30.43	37.9	35	25.49	33.53	24.18	35.16	31.83	26.93	30.74	30.09
High Price	26.04	24.8	26.34	28.06	32.4	38.95	38.45	38	34.25	33.67	38.35	38.2	33.55	37.6	34
Enterprise Value Average	1,599	1,472	1,645	1,995	2,078	1,819	2,403	2,339	2,285	1,833	1,294	2,619	2,103	770	-179
Enterprise Value High	1,776	1,611	1,797	2,105	2,272	2,151	2,560	2,501	2,432	2,076	1,525	2,827	2,529	1,303	52
Enterprise Value Low	1,481	1,402	1,546	1,917	1,977	1,683	2,235	1,986	2,107	1,706	937	2,443	1,831	498	-411

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	35	36	37	37	37	37	37	36	35	20	40	39	39	44	44
Diluted Weighted Avg Shares	34	34	35	36	36	37	38	37	36	22	39	39	39	40	43
Basic Weighted Avg Shares	34	34	35	36	36	37	38	37	36	22	39	39	39	40	43
Revenue per Share	4.36	3.51	3.84	3.7	3.8	4.11	4.36	4.2	4.45	9.24	10.13	10.73	9.1	7.93	10.53
EBITDA per Share	0.09	0.08	0.08	0.07	0.08	0.06	0.1	0.13	0.14	0.24	0.26	0.26	0.19	0.17	0.13
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.4	1.18	1.23	1.23	1.24	1.97	1.38	1.38	1.01	1.74	2.45	3.73	2.29	0.55	2.4
Basic EPS from Cont Ops	1.4	1.18	1.23	1.23	1.24	1.97	1.38	1.38	1.01	1.96	2.63	3.92	2.48	0.73	2.57
Diluted EPS, GAAP	1.4	1.17	1.23	1.23	1.23	1.97	1.38	1.38	1.01	1.74	2.45	3.73	2.29	0.55	2.4
Diluted EPS from Cont Ops	1.4	1.17	1.23	1.23	1.23	1.97	1.38	1.38	1.01	1.96	2.63	3.92	2.48	0.73	2.57
Dividend per Share	0.56	0.56	0.56	0.56	0.56	0.56	0.56	0.56	0.56	1.09	1.18	1.13	1.15	1.14	1.17
Cash Flow per Share	1.85	2.13	1.73	1.31	1.39	0.54	1.15	1.73	1.91	2.78	3.71	7.58	2.34	2.5	4.34
Free Cash Flow per Basic Share	1.74	2	1.67	1.27	1.35	0.39	0.91	1.62	1.86	2.74	3.71	7.48	2.2	2.34	4.24
Cash & Equivalents per Share	9.23	4.71	2.71	3.01	1.89	3.29	13.96	17.53	19.72	36.33	49.59	28.75	34.65	49.81	55.1
Book Value per Share	10.61	11.12	11.4	11.89	12.52	13.69	14.25	15.27	16.25	27.9	16.6	19.6	20.97	20.06	19.86
Tangible Book Value per Share	9.04	9.83	10.73	11.23	12.14	13.86	14.44	14.73	15.1	24.56	23.1	22.87	24.47	28.27	27.9

Dime Community Bancshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)