<ul>
<li>在 2025 年 12 月初，DA Davidson 重申了对 Dime Community Bancshares 的买入评级，经过与高级管理层的会议，强调了强劲的净利差走势、更高收益的贷款组合以及稳固的存款业务，同时支持商业银行扩展的继任相关高管变动。</li>
<li>此外，Dime Community Bancshares 最近向长岛过渡服务机构授予了一项补助金，强调其作为长岛领先社区银行的地位以及对当地住房和支持项目的持续承诺。</li>
<li>现在我们将探讨 DA Davidson 对 Dime 净利差前景的信心如何影响该银行更广泛的投资叙述。</li>
</ul>
<p>特朗普承诺要 “释放” 美国的石油和天然气，这 22 只美国股票的发展将受益。</p>
<h2>Dime Community Bancshares 投资叙述回顾</h2>
<p>要拥有 Dime Community Bancshares，您需要相信其以纽约为中心的业务能够将更强的净利差和更高收益的贷款组合转化为可持续的更高收益，尽管存在地理和商业房地产集中风险。DA Davidson 对净利差走势的支持为收益改善提供了关键的短期催化剂，而最大的短期风险仍然是商业扩展和地方信贷压力带来的更高费用可能会削弱这一利差进展；这一消息并未实质性改变这一风险。</p>
<p>最近向长岛过渡服务机构的补助金进一步巩固了 Dime 作为长岛领先社区银行的地位，拥有深厚的地方关系，这直接与其核心存款实力和融资成本优势相关。该存款业务是 DA Davidson 强调的利差改善故事的核心，因为低成本、稳定的融资可以支持盈利能力，即使在纽约地区的存款竞争加剧的情况下。</p>
<p>然而，投资者也应意识到，Dime 对纽约商业房地产的集中暴露和监管变化可能会...</p>
<p>阅读 Dime Community Bancshares 的完整叙述（免费！）</p>
<p>Dime Community Bancshares 的叙述预计到 2028 年收入为 8.025 亿美元，盈利为 4.171 亿美元。这需要每年 36.7% 的收入增长，以及约 3.81 亿美元的盈利增长，从今天的 3610 万美元增加。</p>
<p>揭示 Dime Community Bancshares 的预测如何得出 36.00 美元的公允价值，相较于当前价格有 21% 的上涨空间。</p>
<h2>探索其他观点</h2>
<p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/7e7ea3fe-5f86-4c38-abd2-015b4d17dde1/chart/community-fair-value?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/7e7ea3fe-5f86-4c38-abd2-015b4d17dde1/chart/community-fair-value"/></p>
<p>截至 2025 年 12 月的 DCOM 社区公允价值</p>
<p>Simply Wall St 对 Dime 的三项社区公允价值估计从 13.66 美元到约 49.83 美元不等，突显了个体观点之间的差异。当将这些与净利差扩张的重点并列时，显然在形成自己观点之前，理解上涨潜力和纽约集中信贷暴露的风险是重要的。</p>
<p>探索 Dime Community Bancshares 的另外 3 个公允价值估计 - 为什么该股票可能比当前价格高出 68%！</p>
<h2>构建您自己的 Dime Community Bancshares 叙述</h2>
<p>不同意现有叙述？在不到 3 分钟的时间内创建您自己的叙述 - 非凡的投资回报很少来自跟随人群。</p>
<ul>
<li>您对 Dime Community Bancshares 研究的一个很好的起点是我们的分析，强调可能影响您投资决策的 3 个关键回报。</li>
<li>我们的免费 Dime Community Bancshares 研究报告提供了一个全面的基本面分析，汇总在一个视觉图中 - 雪花图 - 使您能够一目了然地评估 Dime Community Bancshares 的整体财务健康状况。</li>
</ul>
<h2>准备进入其他投资风格吗？</h2>
<p>不要错过下一个十倍股的机会。我们最新的股票推荐刚刚发布：</p>
<ul>
<li>寻找具有良好现金流潜力但交易价格低于公允价值的公司。</li>
<li>探索 28 家领先的量子计算公司，推动下一代技术革命，并在量子算法、超导量子比特和前沿研究方面取得突破。</li>
<li>人工智能即将改变医疗保健。这 30 只股票正在从早期诊断到药物发现等各个方面进行研究。最棒的是 - 它们的市值都在 100 亿美元以下 - 现在仍然有机会提前入场。</li>
</ul>
<p><em>本文由 Simply Wall St 撰写，内容具有一般性。<strong>我们提供基于历史数据和分析师预测的评论，仅使用无偏见的方法，我们的文章不构成财务建议。</strong> 它不构成买入或卖出任何股票的推荐，也未考虑您的目标或财务状况。我们旨在为您提供以基本数据驱动的长期分析。请注意，我们的分析可能未考虑最新的价格敏感公司公告或定性材料。Simply Wall St 在提到的任何股票中没有持仓。</em></p>

迪募社区银行

<p>DA Davidson 重申对 Dime Community Bancshares 的买入评级，强调其强劲的净利差和社区关注。分析师认为，尽管面临商业扩张和信贷压力的风险，但仍有盈利增长的潜力。公平价值估计差异较大，表明对 Dime 投资潜力的看法各异。该银行的社区举措和存款业务是其盈利能力故事的核心。投资者被鼓励探索不同的视角，构建自己的投资叙述</p>

<ul>
<li>In early December 2025, DA Davidson reiterated its Buy rating on Dime Community Bancshares after meetings with senior management, highlighting a strong net interest margin trajectory, a higher-yielding loan mix, and a solid deposit franchise, alongside succession-related executive changes to support commercial banking expansion.</li>
<li>Separately, Dime Community Bancshares recently awarded a grant to Transitional Services for Long Island, underlining its leading Long Island community bank position and ongoing commitment to local housing and support initiatives.</li>
<li>We’ll now examine how DA Davidson’s confidence in Dime’s net interest margin outlook may influence the bank’s broader investment narrative.</li>
</ul>
<div class="lb-trans"><ul>
<li>在 2025 年 12 月初，DA Davidson 重申了对 Dime Community Bancshares 的买入评级，经过与高级管理层的会议，强调了强劲的净利差走势、更高收益的贷款组合以及稳固的存款业务，同时支持商业银行扩展的继任相关高管变动。</li>
<li>此外，Dime Community Bancshares 最近向长岛过渡服务机构授予了一项补助金，强调其作为长岛领先社区银行的地位以及对当地住房和支持项目的持续承诺。</li>
<li>现在我们将探讨 DA Davidson 对 Dime 净利差前景的信心如何影响该银行更广泛的投资叙述。</li>
</ul>
</div><p>Trump has pledged to &#34;unleash&#34; American oil and gas and these 22 US stocks have developments that are poised to benefit.</p>
<div class="lb-trans"><p>特朗普承诺要 “释放” 美国的石油和天然气，这 22 只美国股票的发展将受益。</p>
</div><h2>Dime Community Bancshares Investment Narrative Recap</h2>
<div class="lb-trans"><h2>Dime Community Bancshares 投资叙述回顾</h2>
</div><p>To own Dime Community Bancshares, you need to believe its New York focused franchise can convert a stronger net interest margin and higher yielding loan mix into sustainably higher earnings, despite geographic and commercial real estate concentration. DA Davidson’s endorsement of the margin trajectory supports the key near term catalyst around earnings improvement, while the biggest near term risk remains that higher expenses from commercial expansion and local credit pressures could blunt that margin progress; this news does not materially change that risk.</p>
<div class="lb-trans"><p>要拥有 Dime Community Bancshares，您需要相信其以纽约为中心的业务能够将更强的净利差和更高收益的贷款组合转化为可持续的更高收益，尽管存在地理和商业房地产集中风险。DA Davidson 对净利差走势的支持为收益改善提供了关键的短期催化剂，而最大的短期风险仍然是商业扩展和地方信贷压力带来的更高费用可能会削弱这一利差进展；这一消息并未实质性改变这一风险。</p>
</div><p>The recent grant to Transitional Services for Long Island reinforces Dime’s positioning as a leading Long Island community bank with deep local relationships, which ties directly into its core deposit strength and funding cost advantage. That deposit franchise is central to the margin improvement story highlighted by DA Davidson, as low cost, sticky funding can support profitability even if competition for deposits in the New York area intensifies.</p>
<div class="lb-trans"><p>最近向长岛过渡服务机构的补助金进一步巩固了 Dime 作为长岛领先社区银行的地位，拥有深厚的地方关系，这直接与其核心存款实力和融资成本优势相关。该存款业务是 DA Davidson 强调的利差改善故事的核心，因为低成本、稳定的融资可以支持盈利能力，即使在纽约地区的存款竞争加剧的情况下。</p>
</div><p>Yet investors should also be aware that Dime’s concentrated exposure to New York commercial real estate and regulatory shifts could...</p>
<div class="lb-trans"><p>然而，投资者也应意识到，Dime 对纽约商业房地产的集中暴露和监管变化可能会...</p>
</div><p>Read the full narrative on Dime Community Bancshares (it's free!)</p>
<div class="lb-trans"><p>阅读 Dime Community Bancshares 的完整叙述（免费！）</p>
</div><p>Dime Community Bancshares' narrative projects $802.5 million revenue and $417.1 million earnings by 2028. This requires 36.7% yearly revenue growth and about a $381 million increase in earnings from $36.1 million today.</p>
<div class="lb-trans"><p>Dime Community Bancshares 的叙述预计到 2028 年收入为 8.025 亿美元，盈利为 4.171 亿美元。这需要每年 36.7% 的收入增长，以及约 3.81 亿美元的盈利增长，从今天的 3610 万美元增加。</p>
</div><p>Uncover how Dime Community Bancshares' forecasts yield a $36.00 fair value, a 21% upside to its current price.</p>
<div class="lb-trans"><p>揭示 Dime Community Bancshares 的预测如何得出 36.00 美元的公允价值，相较于当前价格有 21% 的上涨空间。</p>
</div><h2>Exploring Other Perspectives</h2>
<div class="lb-trans"><h2>探索其他观点</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/7e7ea3fe-5f86-4c38-abd2-015b4d17dde1/chart/community-fair-value" alt="" original-src="https://images.simplywall.st/company/7e7ea3fe-5f86-4c38-abd2-015b4d17dde1/chart/community-fair-value"/></p>
<p>DCOM Community Fair Values as at Dec 2025</p>
<div class="lb-trans"><p>截至 2025 年 12 月的 DCOM 社区公允价值</p>
</div><p>Three Simply Wall St Community fair value estimates for Dime span from US$13.66 to about US$49.83, underscoring how far apart individual views can be. When you set those side by side with the emphasis on net interest margin expansion, it becomes clear that understanding both upside potential and the risks of New York focused credit exposure matters before forming your own view.</p>
<div class="lb-trans"><p>Simply Wall St 对 Dime 的三项社区公允价值估计从 13.66 美元到约 49.83 美元不等，突显了个体观点之间的差异。当将这些与净利差扩张的重点并列时，显然在形成自己观点之前，理解上涨潜力和纽约集中信贷暴露的风险是重要的。</p>
</div><p>Explore 3 other fair value estimates on Dime Community Bancshares - why the stock might be worth as much as 68% more than the current price!</p>
<div class="lb-trans"><p>探索 Dime Community Bancshares 的另外 3 个公允价值估计 - 为什么该股票可能比当前价格高出 68%！</p>
</div><h2>Build Your Own Dime Community Bancshares Narrative</h2>
<div class="lb-trans"><h2>构建您自己的 Dime Community Bancshares 叙述</h2>
</div><p>Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.</p>
<div class="lb-trans"><p>不同意现有叙述？在不到 3 分钟的时间内创建您自己的叙述 - 非凡的投资回报很少来自跟随人群。</p>
</div><ul>
<li>A great starting point for your Dime Community Bancshares research is our analysis highlighting 3 key rewards that could impact your investment decision.</li>
<li>Our free Dime Community Bancshares research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate Dime Community Bancshares' overall financial health at a glance.</li>
</ul>
<div class="lb-trans"><ul>
<li>您对 Dime Community Bancshares 研究的一个很好的起点是我们的分析，强调可能影响您投资决策的 3 个关键回报。</li>
<li>我们的免费 Dime Community Bancshares 研究报告提供了一个全面的基本面分析，汇总在一个视觉图中 - 雪花图 - 使您能够一目了然地评估 Dime Community Bancshares 的整体财务健康状况。</li>
</ul>
</div><h2>Ready To Venture Into Other Investment Styles?</h2>
<div class="lb-trans"><h2>准备进入其他投资风格吗？</h2>
</div><p>Don't miss your shot at the next 10-bagger. Our latest stock picks just dropped:</p>
<div class="lb-trans"><p>不要错过下一个十倍股的机会。我们最新的股票推荐刚刚发布：</p>
</div><ul>
<li>Find companies with promising cash flow potential yet trading below their fair value.</li>
<li>Explore 28 top quantum computing companies leading the revolution in next-gen technology and shaping the future with breakthroughs in quantum algorithms, superconducting qubits, and cutting-edge research.</li>
<li>AI is about to change healthcare. These 30 stocks are working on everything from early diagnostics to drug discovery. The best part - they are all under $10b in market cap - there's still time to get in early.</li>
</ul>
<div class="lb-trans"><ul>
<li>寻找具有良好现金流潜力但交易价格低于公允价值的公司。</li>
<li>探索 28 家领先的量子计算公司，推动下一代技术革命，并在量子算法、超导量子比特和前沿研究方面取得突破。</li>
<li>人工智能即将改变医疗保健。这 30 只股票正在从早期诊断到药物发现等各个方面进行研究。最棒的是 - 它们的市值都在 100 亿美元以下 - 现在仍然有机会提前入场。</li>
</ul>
</div><p><em>This article by Simply Wall St is general in nature. <strong>We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice.</strong> It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.</em></p>
<div class="lb-trans"><p><em>本文由 Simply Wall St 撰写，内容具有一般性。<strong>我们提供基于历史数据和分析师预测的评论，仅使用无偏见的方法，我们的文章不构成财务建议。</strong> 它不构成买入或卖出任何股票的推荐，也未考虑您的目标或财务状况。我们旨在为您提供以基本数据驱动的长期分析。请注意，我们的分析可能未考虑最新的价格敏感公司公告或定性材料。Simply Wall St 在提到的任何股票中没有持仓。</em></p>
</div>

分析师对迪募社区银行的净息差前景和社区关注的信心是否会微妙地重塑其投资故事？