<span item_type="fundamental" item_id="326627094170e08b63102d2d09e8ad6e" counter_id="ST/US/DCOMG" env="prod"></span><span item_type="announcement" item_id="574668185792487169" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 115.61 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 0.59.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -63.31 M.</p><p></p><h3>Financial Metrics Summary</h3><h4>Segment Revenue</h4><ul><li>Total deposits increased $644.3 million year-over-year, with core deposits (excluding brokered and time deposits) increasing $971.9 million year-over-year.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/846617/000084661725000046/dcom-20251023xex99d1.htm"></span></li><li>Business loans grew $160.5 million on a linked quarter basis and $409.1 million year-over-year.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/846617/000084661725000046/dcom-20251023xex99d1.htm"></span></li></ul><h4>Operational Metrics</h4><ul><li>Net income available to common stockholders was $25.8 million for the quarter ended September 30, 2025, compared to $27.9 million for the quarter ended June 30, 2025, and $11.5 million for the quarter ended September 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/846617/000084661725000046/dcom-20251023xex99d1.htm"></span></li><li>Adjusted net income available to common stockholders (non-GAAP) totaled $26.6 million for the quarter ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/846617/000084661725000046/dcom-20251023xex99d1.htm"></span></li><li>The net interest margin increased to 3.01% for the third quarter of 2025 compared to 2.98% for the prior quarter and 2.50% for the third quarter of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/846617/000084661725000046/dcom-20251023xex99d1.htm"></span></li><li>The efficiency ratio decreased to 53.8% for the third quarter of 2025 compared to 55.0% for the prior quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/846617/000084661725000046/dcom-20251023xex99d1.htm"></span></li></ul><h4>Cash Flow</h4><ul><li>Operating cash flow and free cash flow figures are not explicitly detailed in the provided reference.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/846617/000084661725000046/dcom-20251023xex99d1.htm"></span></li></ul><h4>Unique Metrics</h4><ul><li>The Company’s Common Equity Tier 1 Ratio increased to 11.53% at the end of the third quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/846617/000084661725000046/dcom-20251023xex99d1.htm"></span></li></ul><h4>Outlook / Guidance</h4><ul><li>The Company anticipates continued net interest margin expansion in the fourth quarter due to the Federal Reserve rate cut and improved spread between loan and deposit rates.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/846617/000084661725000046/dcom-20251023xex99d1.htm"></span></li><li>There is a significant loan repricing opportunity that will continue through 2027, which is expected to benefit net interest margin over time.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/846617/000084661725000046/dcom-20251023xex99d1.htm"></span></li><li>Core deposit growth and business loan growth are expected to continue benefiting the Company’s net interest margin as it grows its customer base and hires productive bankers.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/846617/000084661725000046/dcom-20251023xex99d1.htm"></span></li></ul>

DIME COMMUNITY BANCSHARES INC. 9.000% NTS 15/07/2034 USD 25 | 8-K: FY2025 Q3 Revenue: USD 115.61 M