Dime Community Bancshares Inc. Fundamental Company Report Including Financial, SWOT, Competitors and Industry Analysis

April 2024 | 50 pages | ID: DDD20D54343BEN
BAC Reports

Abstracts

Dime Community Bancshares Inc. Fundamental Company Report provides a complete overview of the company’s affairs. All available data is presented in a comprehensive and easily accessed format. The report includes financial and SWOT information, industry analysis, opinions, estimates, plus annual and quarterly forecasts made by stock market experts. The report also enables direct comparison to be made between Dime Community Bancshares Inc. and its competitors. This provides our Clients with a clear understanding of Dime Community Bancshares Inc. position in the Industry.

• The report contains detailed information about Dime Community Bancshares Inc. that gives an unrivalled in-depth knowledge about internal business-environment of the company: data about the owners, senior executives, locations, subsidiaries, markets, products, and company history.
• Another part of the report is a SWOT-analysis carried out for Dime Community Bancshares Inc.. It involves specifying the objective of the company's business and identifies the different factors that are favorable and unfavorable to achieving that objective. SWOT-analysis helps to understand company’s strengths, weaknesses, opportunities, and possible threats against it.
• The Dime Community Bancshares Inc. financial analysis covers the income statement and ratio trend-charts with balance sheets and cash flows presented on an annual and quarterly basis. The report outlines the main financial ratios pertaining to profitability, margin analysis, asset turnover, credit ratios, and company’s long-term solvency. This sort of company's information will assist and strengthen your company’s decision-making processes.
• In the part that describes Dime Community Bancshares Inc. competitors and the industry in whole, the information about company's financial ratios is compared to those of its competitors and to the industry. The unique analysis of the market and company’s competitors along with detailed information about the internal and external factors affecting the relevant industry will help to manage your business environment. Your company’s business and sales activities will be boosted by gaining an insight into your competitors’ businesses.
• Also the report provides relevant news, an analysis of PR-activity, and stock price movements. The latter are correlated with pertinent news and press releases, and annual and quarterly forecasts are given by a variety of experts and market research firms. Such information creates your awareness about principal trends of Dime Community Bancshares Inc. business.

About Dime Community Bancshares Inc.

Dime Community Bancshares, Inc. operates as the holding company for The Dime Savings Bank of Williamsburgh, which provides financial services and loans primarily for multifamily housing.

The company maintains its main office in the Williamsburg section of the borough of Brooklyn, New York, and operates 23 full-service retail banking offices located in the New York City (NYC) boroughs of Brooklyn, Queens, and the Bronx, and in Nassau County, New York.

Lending Activities

As of December 31, 2009, the company’s loan portfolio consisting primarily of mortgage loans secured by multifamily residential apartment buildings, including buildings organized under a cooperative form of ownership; commercial properties; real estate construction and land acquisition; and one- to four-family residences and cooperative apartments. Its loan portfolio also includes consumer loans, including passbook loans, consumer installment loans, overdraft loans, and mortgagor advances.

Multifamily Residential Lending and Commercial Real Estate Lending: The company’s primary lending activities consist of originating adjustable-rate and fixed-rate multifamily residential (buildings possessing a minimum of five residential units) loans, and commercial real estate loans. As of December 31, 2009, multifamily residential and commercial real estate loans originated by the company were secured by three distinct property types: residential apartment buildings; mixed-use properties featuring a combination of residential and commercial units within the same building; and commercial buildings. As of December 31, 2009, the company had 464 multifamily residential and commercial real estate loans in portfolio.

Small Mixed-Use Lending: The company originates small investment property loans. Small investment property loans are sourced through brokers. Small investment properties include owner and non-owner occupied one- to four-family residential, multifamily, or mixed-use properties.

One- to Four-Family Residential and Cooperative Apartment Lending: The company offers residential first and second mortgage loans secured primarily by owner-occupied, one- to four-family residences, including condominium and cooperative apartments. It sells all long-term one- to four-family loans to PHH Mortgage (PHH).

Home Equity and Home Improvement Loans: Home equity loans and home improvement loans are primarily included in one- to four-family loans or multifamily loans.

Equity Lines of Credit on Multifamily Residential and Commercial Real Estate Loans: Equity credit is also available on multifamily residential and commercial real estate loans.

Construction Lending: The company participates in various real estate construction loans. These construction projects are located in the NYC metropolitan area, and in majority instances, involve multifamily residential properties that are underwritten to support the permanent debt with rental units.

Land Acquisition Loans: The company funds the purchase of land by a borrower for either rehabilitation or development.

Investment Activities

The company invests in mortgage-backed securities (MBS), obligations of the U.S. government and government sponsored entities (GSEs), and corporate debt and equity securities.

Deposits

The company offers various deposit accounts possessing a range of interest rates and terms. It offers savings, money market, interest bearing and non-interest bearing checking accounts, and certificates of deposit.

History

Dime Community Bancshares, Inc. was founded in 1864.

The above Company Fundamental Report is a half-ready report and contents are subject to change.
It means that we have all necessary data in our database to prepare the report but need 2-3 days to complete it. During this time we are also updating the report with respect to the current moment. So, you can get all the most recent data available for the same price. Please note that preparation of additional types of analyses requires extra time.

Contents

RESEARCH METHODOLOGY

DISCLAIMER

1. DIME COMMUNITY BANCSHARES INC. COMPANY PROFILE

1.1. Key facts
1.2. Financial Performance
1.3. Key Executives
1.4. Ownership and Major Holders
1.5. Company History

2. DIME COMMUNITY BANCSHARES INC. BUSINESS OVERVIEW

2.1. Business Description
2.2. Major Products and Services
2.3. Markets and Sales Activities
2.4. Locations, Subsidiaries, Operating Units

3. DIME COMMUNITY BANCSHARES INC. SWOT ANALYSIS

3.1. Overview
3.2. Strengths
3.3. Weaknesses
3.4. Opportunities
3.5. Threats

4. DIME COMMUNITY BANCSHARES INC. FINANCIAL ANALYSIS

4.1. Financial Statements
4.1.1. Income Statement
4.1.2. Balance Sheet
4.1.3. Cash Flow
4.2. Financial Ratios
4.2.1. Profitability
4.2.2. Margin Analysis
4.2.3. Asset Turnover
4.2.4. Credit Ratios
4.2.5. Long-Term Solvency
4.2.6. Growth Over Prior Year
4.2.7. Financial Ratios Charts
4.3. Stock Market Snapshot

5. DIME COMMUNITY BANCSHARES INC. COMPETITORS AND INDUSTRY ANALYSIS

5.1. Dime Community Bancshares Inc. Direct Competitors
5.2. Comparison of Dime Community Bancshares Inc. and Direct Competitors Financial Ratios
5.3. Comparison of Dime Community Bancshares Inc. and Direct Competitors Stock Charts
5.4. Dime Community Bancshares Inc. Industry Analysis
5.4.1. Industry Snapshot
  5.4.2. Dime Community Bancshares Inc. Industry Position Analysis

6. DIME COMMUNITY BANCSHARES INC. NEWS & EVENTS

6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events

7. DIME COMMUNITY BANCSHARES INC. EXPERTS REVIEW¹

7.1. Experts Consensus
7.2. Experts Revisions

8. DIME COMMUNITY BANCSHARES INC. ENHANCED SWOT ANALYSIS²

9. UNITED STATES PESTEL ANALYSIS²

9.1. Political Factors
9.2. Economic Factors
9.3. Social Factors
9.4. Technological Factors
9.5. Environmental Factors
9.6. Legal Factors

10. DIME COMMUNITY BANCSHARES INC. IFE, EFE, IE MATRICES²

10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix

11. DIME COMMUNITY BANCSHARES INC. PORTER FIVE FORCES ANALYSIS²

12. DIME COMMUNITY BANCSHARES INC. VRIO ANALYSIS²

APPENDIX: RATIO DEFINITIONS

LIST OF FIGURES

Dime Community Bancshares Inc. Annual Revenues in Comparison with Cost of Goods Sold and Gross Profit
Profit Margin Chart
Operating Margin Chart
Return on Equity (ROE) Chart
Return on Assets (ROA) Chart
Debt to Equity Chart
Current Ratio Chart
Dime Community Bancshares Inc. 1-year Stock Charts
Dime Community Bancshares Inc. 5-year Stock Charts
Dime Community Bancshares Inc. vs. Main Indexes 1-year Stock Chart
Dime Community Bancshares Inc. vs. Direct Competitors 1-year Stock Charts
Dime Community Bancshares Inc. Article Density Chart

1 – Data availability depends on company’s security policy.
2 – These sections are available only when you purchase a report with appropriate additional types of analyses.
The complete financial data is available for publicly traded companies.

List Of Tables

LIST OF TABLES

Dime Community Bancshares Inc. Key Facts
Profitability
Management Effectiveness
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Dime Community Bancshares Inc. Key Executives
Dime Community Bancshares Inc. Major Shareholders
Dime Community Bancshares Inc. History
Dime Community Bancshares Inc. Products
Revenues by Segment
Revenues by Region
Dime Community Bancshares Inc. Offices and Representations
Dime Community Bancshares Inc. SWOT Analysis
Yearly Income Statement Including Trends
Income Statement Latest 4 Quarters Including Trends
Yearly Balance Sheet Including Trends
Balance Sheet Latest 4 Quarters Including Trends
Yearly Cash Flow Including Trends
Cash Flow Latest 4 Quarters Including Trends
Dime Community Bancshares Inc. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Credit Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Dime Community Bancshares Inc. Capital Market Snapshot
Dime Community Bancshares Inc. Direct Competitors Key Facts
Direct Competitors Profitability Ratios
Direct Competitors Margin Analysis Ratios
Direct Competitors Asset Turnover Ratios
Direct Competitors Credit Ratios
Direct Competitors Long-Term Solvency Ratios
Industry Statistics
Dime Community Bancshares Inc. Industry Position
Company vs. Industry Income Statement Analysis
Company vs. Industry Balance Sheet Analysis
Company vs. Industry Cash Flow Analysis
Company vs. Industry Ratios Comparison
Dime Community Bancshares Inc. Consensus Recommendations¹
Analyst Recommendation Summary¹
Price Target Summary¹
Experts Recommendation Trends¹
Revenue Estimates Analysis¹
Earnings Estimates Analysis¹
Historical Surprises¹
Revenue Estimates Trend¹
Earnings Estimates Trend¹
Revenue Revisions¹

ANALYSIS FEATURES

SWOT Analysis

SWOT, which stands for Strengths, Weaknesses, Opportunities and Threats, is an analytical framework that identifies the internal and external factors that are favorable and unfavorable for a company.

Enhanced SWOT Analysis

Enhanced SWOT is a 3×3 grid that arranges strengths, weaknesses, opportunities and threats into one scheme:

• How to use the strengths to take advantage of the opportunities?
• How to use the strengths to reduce likelihood and impact of the threats?
• How to overcome the weaknesses that obstruct taking advantage of the opportunities?
• How to overcome the weaknesses that can make the threats a reality?

Upon answering these questions a company can develop a project plan to improve its business performance.

PESTEL Analysis

PESTEL (also termed as PESTLE) is an ideal tool to strategically analyze what influence different outside factors – political, economic, sociocultural, technological, environmental and legal – exert on a business to later chart its long term targets.

Being part of the external analysis when carrying out a strategic assessment or performing a market study, PESTEL gives an overview of diverse macro-environmental factors that any company should thoughtfully consider. By perceiving these outside environments, businesses can maximally benefit from the opportunities while minimizing the threats to the organization.

Key Factors Examined by PESTEL Analysis:

• Political – What opportunities and pressures are brought by political bodies and what is the degree of public regulations’ impact on the business?
• Economic – What economic policies, trends and structures are expected to affect the organization, what is this influence’s degree?
• Sociological – What cultural and societal aspects will work upon the demand for the business’s products and operations?
• Technological – What impact do the technological aspects, innovations, incentives and barriers have on the organization?
• Environmental – What environmental and ecological facets, both locally and farther afield, are likely to predetermine the business?
• Legal – What laws and legislation will exert influence on the style the business is carried out?

IFE, EFE, IE Matrices

The Internal Factor Evaluation matrix (IFE matrix) is a strategic management tool helping audit or evaluate major weaknesses and strengths in a business’s functional areas. In addition, IFE matrix serves as a basis for identifying and assessing relationships amongst those areas. The IFE matrix is utilised in strategy formulation.

The External Factor Evaluation matrix (EFE matrix) is a tool of strategic management that is typically utilised to assess current market conditions. It is an ideal instrument for visualising and prioritising the threats and opportunities a firm is facing.

The essential difference between the above mentioned matrices lies in the type of factors incorporated in the model; whilst the latter is engaged in internal factors, the former deals exceptionally with external factors – those exposed to social, political, economic, legal, etc. external forces.

Being a continuation of the EFE matrix and IFE matrix models, the Internal External matrix (IE matrix) rests upon an investigation of external and internal business factors integrated into one suggestive model.

Porter Five Forces Analysis

The Porter’s five forces analysis studies the industry of operation and helps the company find new sources of competitive advantage. The analysis surveys an industry through five major questions:

1. What composes a threat of substitute products and services?
2. Is there a threat of new competitors entering the market?
3. What is the intensity of competitive rivalry?
4. How big is the bargaining power of buyers?
5. How significant is the bargaining power of suppliers?

VRIO Analysis

VRIO stands for Value, Rarity, Imitability, Organization. This analysis helps to evaluate all company’s resources and capabilities and bring them together into one aggregate table that includes:

• Tangible resources
  • Financial
  • Physical
  • Technological
  • Organizational
• Intangible resources
  • Human
  • Innovation and Creativity
  • Reputation
• Organizational capabilities

The result of the analysis gives a clear picture of company’s competitive and economic implications, answering the questions if the resources mentioned above are:

• Valuable?
• Rare?
• Costly to imitate?
• Organized properly?