DIME COMMUNITY BANCSHARES INC. 9.000% NTS 15/07/2034 USD 25 | 10-Q: FY2025 Q3 Revenue: USD 187.75 M

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 -63.31 M.

Segment Revenue

• Interest Income: $175.543 million for the three months ended September 30, 2025, compared to $164.239 million for the same period in 2024. For the nine months ended September 30, 2025, interest income was $504.958 million, compared to $484.666 million in 2024.
• Non-Interest Income: $12.211 million for the three months ended September 30, 2025, compared to $7.631 million for the same period in 2024. For the nine months ended September 30, 2025, non-interest income was $33.439 million, compared to $29.906 million in 2024.

Operational Metrics

• Net Income: $27.671 million for the three months ended September 30, 2025, compared to $13.327 million for the same period in 2024. For the nine months ended September 30, 2025, net income was $78.826 million, compared to $49.497 million in 2024.
• Net Interest Income: $103.399 million for the three months ended September 30, 2025, compared to $79.924 million for the same period in 2024. For the nine months ended September 30, 2025, net interest income was $295.709 million, compared to $226.956 million in 2024.
• Provision for Credit Losses: $13.294 million for the three months ended September 30, 2025, compared to $11.603 million for the same period in 2024. For the nine months ended September 30, 2025, provision for credit losses was $32.141 million, compared to $22.398 million in 2024.
• Non-Interest Expense: $62.224 million for the three months ended September 30, 2025, compared to $57.729 million for the same period in 2024. For the nine months ended September 30, 2025, non-interest expense was $188.034 million, compared to $165.934 million in 2024.

Cash Flow

• Operating Cash Flow: $140.577 million for the nine months ended September 30, 2025, compared to $10.041 million for the same period in 2024.
• Investing Cash Flow: $104.949 million for the nine months ended September 30, 2025, compared to $39.166 million for the same period in 2024.
• Financing Cash Flow: $185.947 million for the nine months ended September 30, 2025, compared to $119.302 million for the same period in 2024.

Unique Metrics

• Allowance for Credit Losses: $94.061 million as of September 30, 2025, compared to $88.751 million as of December 31, 2024.
• Non-Performing Loans: $72.054 million as of September 30, 2025, compared to $49.463 million as of September 30, 2024.
• Net Charge-Offs: $12.586 million for the three months ended September 30, 2025, compared to $4.199 million for the same period in 2024. For the nine months ended September 30, 2025, net charge-offs were $25.049 million, compared to $8.578 million in 2024.

Future Outlook and Strategy

• Core Business Focus: The Company aims to maintain a strong liquidity position and manage its exposure to interest rate movements through the use of interest rate derivatives. The Company also plans to continue its focus on growing its deposit base and managing its loan portfolio to ensure a balanced and diversified asset base.
• Non-Core Business: The Company will continue to explore opportunities to sell or securitize selected multifamily residential, mixed-use, or one-to-four family residential real estate loans to private sector secondary market purchasers.
• Priority: The Company emphasizes maintaining a strong liquidity position and managing interest rate risk through strategic use of derivatives and other financial instruments.