Dime Comm Bancshare Pref Share DCOMP 5.5 Perp 02/15/25 | 8-K: FY2025 Q3 Revenue: USD 187.75 M

LB filings
2025.10.23 10:47
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Revenue: As of FY2025 Q3, the actual value is USD 187.75 M.

EPS: As of FY2025 Q3, the actual value is USD 0.59.

EBIT: As of FY2025 Q3, the actual value is USD -50.01 M.

Financial Metrics by Segment

Net Income

  • Net income available to common stockholders for Q3 2025: $25.8 million ($0.59 per diluted common share)
  • Net income available to common stockholders for Q2 2025: $27.9 million ($0.64 per diluted common share)
  • Net income available to common stockholders for Q3 2024: $11.5 million ($0.29 per diluted common share)

Adjusted Net Income

  • Adjusted net income available to common stockholders for Q3 2025: $26.6 million ($0.61 per diluted common share)
  • Adjusted net income available to common stockholders for Q3 2024: $11.5 million ($0.29 per diluted common share)

Net Interest Income

  • Net interest income for Q3 2025: $103.4 million
  • Net interest income for Q2 2025: $98.1 million
  • Net interest income for Q3 2024: $79.9 million

Non-Interest Income

  • Non-interest income for Q3 2025: $12.2 million
  • Non-interest income for Q2 2025: $11.6 million
  • Non-interest income for Q3 2024: $7.6 million

Non-Interest Expense

  • Non-interest expense for Q3 2025: $62.2 million
  • Non-interest expense for Q2 2025: $60.3 million
  • Non-interest expense for Q3 2024: $57.7 million

Efficiency Ratio

  • Efficiency ratio for Q3 2025: 53.8%
  • Efficiency ratio for Q2 2025: 55.0%
  • Efficiency ratio for Q3 2024: 65.9%

Loan Portfolio

  • Total loans held for investment at Q3 2025: $10.73 billion
  • Total loans held for investment at Q2 2025: $10.87 billion
  • Total loans held for investment at Q3 2024: $10.89 billion

Deposits

  • Total deposits at Q3 2025: $12.06 billion
  • Total deposits at Q2 2025: $11.74 billion
  • Total deposits at Q3 2024: $11.42 billion

Cash Flow

  • Cash and due from banks at Q3 2025: $1.72 billion
  • Cash and due from banks at Q2 2025: $1.16 billion
  • Cash and due from banks at Q4 2024: $1.28 billion

Capital Management

  • Stockholders’ equity at Q3 2025: $1.45 billion
  • Stockholders’ equity at Q2 2025: $1.43 billion
  • Book value per common share at Q3 2025: $30.44
  • Tangible common book value per share at Q3 2025: $26.81

Outlook / Guidance

  • The Company anticipates continued net interest margin expansion in the fourth quarter due to the Federal Reserve rate cut in mid-September and significant loan repricing opportunities through 2027.
  • Core deposit growth and a focus on business loan growth are expected to benefit the net interest margin over time.
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