<span item_type="fundamental" item_id="d50c26f60c70c153cef420bf67093c16" counter_id="ST/US/DCOMG" env="prod"></span><span item_type="announcement" item_id="541694700816637697" env="prod"></span><p>EPS: As of FY2025 Q2, the actual value is USD 0.64.</p><p>EBIT: As of FY2025 Q2, the actual value is USD 40.17 M.</p><p></p><h3>Segment Revenue</h3><ul><li><strong>Net Interest Income</strong>: $98.1 million for Q2 2025, compared to $94.2 million for Q1 2025 and $75.5 million for Q2 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/846617/000084661725000034/dcom-20250724xex99d1.htm"></span></li><li><strong>Non-Interest Income</strong>: $11.6 million for Q2 2025, compared to $9.6 million for Q1 2025 and $11.8 million for Q2 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/846617/000084661725000034/dcom-20250724xex99d1.htm"></span></li></ul><h3>Operational Metrics</h3><ul><li><strong>Net Income</strong>: $27.9 million for Q2 2025, compared to $19.6 million for Q1 2025 and $16.7 million for Q2 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/846617/000084661725000034/dcom-20250724xex99d1.htm"></span></li><li><strong>Net Interest Margin</strong>: Increased to 2.98% for Q2 2025 from 2.95% in Q1 2025 and 2.41% in Q2 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/846617/000084661725000034/dcom-20250724xex99d1.htm"></span></li><li><strong>Non-Interest Expense</strong>: $60.3 million for Q2 2025, compared to $65.5 million for Q1 2025 and $55.7 million for Q2 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/846617/000084661725000034/dcom-20250724xex99d1.htm"></span></li><li><strong>Efficiency Ratio</strong>: 55.0% for Q2 2025, compared to 63.1% for Q1 2025 and 63.8% for Q2 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/846617/000084661725000034/dcom-20250724xex99d1.htm"></span></li></ul><h3>Cash Flow</h3><ul><li><strong>Operating Cash Flow</strong>: Not explicitly detailed in the provided reference.</li><li><strong>Free Cash Flow</strong>: Not explicitly detailed in the provided reference.</li></ul><h3>Unique Metrics</h3><ul><li><strong>Core Deposits</strong>: Increased by $1.21 billion on a year-over-year basis.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/846617/000084661725000034/dcom-20250724xex99d1.htm"></span></li><li><strong>Business Loans</strong>: Grew by $113.3 million on a linked quarter basis and $371.3 million on a year-over-year basis.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/846617/000084661725000034/dcom-20250724xex99d1.htm"></span></li></ul><h3>Outlook / Guidance</h3><ul><li>Dime Community Bancshares, Inc. anticipates a significant loan repricing opportunity starting in the second half of 2025 through 2027, which is expected to enhance net interest margin (NIM) if current interest rate forecasts hold. The company also expects a reduction in deposit costs should the Federal Reserve cut short-term rates in 2025, further driving NIM expansion. Additionally, continued growth in core deposits and business loans is expected to benefit NIM over time.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/846617/000084661725000034/dcom-20250724xex99d1.htm"></span></li></ul>

DIME COMMUNITY BANCSHARES INC. 9.000% NTS 15/07/2034 USD 25 | 8-K: FY2025 Q2 EPS: USD 0.64