The headline EPS miss vs consensus may create near-term pressure, but the strong underlying operational trends (NIM expansion, record revenue, business loan growth) and the announced ES Bancshares acquisition provide a positive strategic narrative. Watch for deal details and integration costs in the coming weeks.
Price Chart
Executive Summary
Dime Commercial Bancshares reported Q3 2026 GAAP diluted EPS of $0.90 (adjusted $0.91), a 53% YoY increase, on record quarterly revenue of $135 million driven by NIM expansion to 3.35% and strong business loan growth. The headline EPS of $0.91 missed the $0.94 consensus by 3.2%, but the company also announced a separate acquisition of ES Bancshares, adding a strategic growth dimension.
Key Financial Metrics
Key Facts
- GAAP diluted EPS of $0.90 vs $0.59 YoY; adjusted diluted EPS of $0.91 vs $0.61 YoY
- Record quarterly total revenue of $135.3 million, up 17% YoY from $115.6 million
- Net interest margin expanded to 3.35% from 3.01% YoY and 3.28% sequentially
- Business loans grew $346.6 million linked quarter and $929.1 million YoY
- Non-performing assets increased to $99.5 million from $69.0 million in the prior quarter
- Company repurchased 298,003 shares at a weighted-average price of $40.64
- Announced intention to acquire ES Bancshares, Inc. (Empire State Bank) in a separate press release
Financial Impact
Record quarterly revenue of $135.3 million; GAAP net income available to common of $39.7 million; adjusted diluted EPS $0.91
Risk Factors
- EPS of $0.91 missed consensus of $0.94 by 3.2%
- Non-performing assets rose sharply to $99.5 million from $69.0 million, a 44% sequential increase
- Tangible common equity to tangible assets declined to 8.11% from 8.37%
- Acquisition integration risk with ES Bancshares
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000846617-26-000047 |
| Document: dcom-20261020x8k.htm | 0000846617-26-000047 |
| Document: 0000846617-26-000047-index-headers.html | 0000846617-26-000047 |
| Document: 0000846617-26-000047-index.html | 0000846617-26-000047 |
| Document: 0000846617-26-000047.txt | 0000846617-26-000047 |
| 8-K Data (Synthetic) | 0000846617-26-000047 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 26, 2026 today | 144 | — | awaiting T+1 | — | — |
Oct 26, 2026 today | 144 | — | awaiting T+1 | — | — |
Oct 26, 2026 today | 144 | — | awaiting T+1 | — | — |
Oct 26, 2026 today | 144 | — | awaiting T+1 | — | — |
Oct 26, 2026 today | 144 | — | awaiting T+1 | — | — |
Oct 26, 2026 today | 144 | — | awaiting T+1 | — | — |
Oct 22, 2026 4d ago | 8-K | $42.73 $42.93 | ▲ +0.47% | ▼ −0.24% | $42.93 (+0.47%) |
Oct 20, 2026 6d ago | 425 | $41.01 $40.72 | ▼ −0.71% | ▼ −1.23% | $42.93 (+4.68%) |
Oct 20, 2026 6d ago | 8-K | $41.01 $40.72 | ▼ −0.71% | ▼ −1.23% | $42.93 (+4.68%) |
Oct 20, 2026 6d ago | 8-K | $41.01 $40.72 | ▼ −0.71% | ▼ −1.23% | $42.93 (+4.68%) |
US Market Status
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