Dime Community Bancshares delivered a positive Q4, with management attributing the company’s outperformance to strong organic growth across its commercial banking verticals and steady deposit inflows. CEO Stuart Lubow emphasized that all growth was generated organically, without M&A-related boosts, and highlighted robust business loan expansion fueled by new hires and industry-focused teams. The company’s focus on core deposit growth and cost control helped improve its net interest margin, while maintaining best-in-class capital ratios. Lubow noted, “Our core earnings power continues its upward trajectory,” crediting the team’s efforts in executing the bank’s strategic plan.

Is now the time to buy DCOM? Find out in our full research report (it’s free for active Edge members).

While we enjoy listening to the management's commentary, our favorite part of earnings calls are the analyst questions. Those are unscripted and can often highlight topics that management teams would rather avoid or topics where the answer is complicated. Here is what has caught our attention.

Our Top 5 Analyst Questions From Dime Community Bancshares’s Q4 Earnings Call

• Mark Fitzgibbon (Piper Sandler) asked which industries contributed most to business loan growth, with Chief Commercial Officer Thomas Reid citing healthcare and other new specialty verticals as primary drivers.
• Mark Fitzgibbon (Piper Sandler) inquired about Dime’s presence in New Jersey, and CFO Avinash Reddy noted 8-10% of loans are in Northern New Jersey, with deposits in the region at a lower ratio.
• Mark Fitzgibbon (Piper Sandler) questioned the durability of loan sale gains, with Reddy explaining that Q4 reflected catch-up from delayed transactions and that Q1 activity is expected to normalize.
• Stephen Moss (Raymond James) sought clarity on deposit pipeline and pricing, with Reddy noting new deposit costs in the low 2% range and ongoing growth from account openings.
• Stephen Moss (Raymond James) asked about the rent-regulated multifamily loan book, with Reddy explaining that maturities and repricings are manageable and the portfolio is granular, reducing concentration risk.

Catalysts in Upcoming Quarters

In the quarters ahead, the StockStory team will monitor (1) the pace and impact of loan repricing on net interest margin, (2) sustained growth in core deposits and the mix of noninterest-bearing accounts, and (3) progress in reducing commercial real estate concentration while scaling up business lending. Execution on new team integrations and branch openings will also be key benchmarks for ongoing performance.

Dime Community Bancshares currently trades at $33.05, up from $30.12 just before the earnings. In the wake of this quarter, is it a buy or sell? Find out in our full research report (it’s free).

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