Dime Community Bancshares, Inc. Financial Ratios — DCOMP

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)

API Chat

	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)

API Chat

	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	0.16	0.17	0.18	0.16	0.15	0.14	0.14	0.15	0.15	0.15	0.11	0.11	0.11	0.1	0.11

Working Capital (USD)

API Chat

	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)

API Chat

	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- 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	628	681	814	1,065	1,098	710	759	589	654	812	-1,553	388	341	-878	-1,428
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	1.5	1.24	1.12	1.1	1.06	1.17	1.69	2.1	2.08	1.82	-0.19	3.58	4.59	-1.11	-0.58
EV/Sales	4.26	5.68	5.99	8.01	8.01	4.7	4.63	3.78	4.1	4.08	- -	0.93	0.97	- -	- -
EV/EBITDA	213.87	236.62	287.24	403.38	401.16	309.31	206.58	118.62	128.82	160.2	- -	38.1	45.83	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	10.03	9.37	13.31	22.54	21.9	35.4	17.54	9.16	9.55	13.55	- -	1.32	3.76	- -	- -
EV/Free Cash Flow to Firm	9.44	8.84	12.9	21.79	21.27	27.49	14.45	8.59	9.31	13.34	- -	1.3	3.53	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	896	763	864	1,096	1,103	718	1,114	1,092	1,205	1,351	11	1,339	1,228	-188	-1,411
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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)

API Chat

	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	628	681	814	1,065	1,098	710	759	589	654	812	-1,553	388	341	-878	-1,428
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	16	24.33	17.75	13.2	14.86	17.05
EV/Sales	4.26	5.68	5.99	8.01	8.01	4.7	4.63	3.78	4.1	4.08	- -	0.93	0.97	- -	- -
EV/EBITDA	213.87	236.62	287.24	403.38	401.16	309.31	206.58	118.62	128.82	160.2	- -	38.1	45.83	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	6.08	6.36	6.36	8.24	8.04	4.75	6.8	7.01	7.55	6.79	0.03	3.2	3.48	- -	- -
EV/Sales High	6.08	6.36	6.36	8.24	8.04	4.75	6.8	7.01	7.55	6.79	0.03	3.2	3.48	- -	- -
EV/Sales Low	6.08	6.36	6.36	8.24	8.04	4.75	6.8	7.01	7.55	6.79	0.03	3.2	3.48	- -	- -
EV/EBITDA Average	305.44	265.08	304.95	414.82	402.69	312.55	303.34	219.91	237.39	266.5	1.06	131.37	164.79	-27.37	-251.01
EV/EBITDA High	305.44	265.08	304.95	414.82	402.69	312.55	303.34	219.91	237.39	266.5	1.06	131.37	164.79	-27.37	-251.01
EV/EBITDA Low	305.44	265.08	304.95	414.82	402.69	312.55	303.34	219.91	237.39	266.5	1.06	131.37	164.79	-27.37	-251.01
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	19.53	21.06	15.87	16.37	19.21	17.89
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	26	26.5	26.16	22.4	21.44	20.75
Enterprise Value Average	896	763	864	1,096	1,103	718	1,114	1,092	1,205	1,351	11	1,339	1,228	-188	-1,411
Enterprise Value High	896	763	864	1,096	1,103	718	1,114	1,092	1,205	1,351	11	1,339	1,228	-188	-1,411
Enterprise Value Low	896	763	864	1,096	1,103	718	1,114	1,092	1,205	1,351	11	1,339	1,228	-188	-1,411

	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Tangible Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Dime Community Bancshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)