--- title: "Dime Community Bancshares | 8-K: FY2025 Q4 Revenue: USD 123.78 M" type: "News" locale: "zh-CN" url: "https://longbridge.com/zh-CN/news/273224693.md" datetime: "2026-01-21T11:51:00.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/273224693.md) - [en](https://longbridge.com/en/news/273224693.md) - [zh-HK](https://longbridge.com/zh-HK/news/273224693.md) --- > 支持的语言: [English](https://longbridge.com/en/news/273224693.md) | [繁體中文](https://longbridge.com/zh-HK/news/273224693.md) # Dime Community Bancshares | 8-K: FY2025 Q4 Revenue: USD 123.78 M Revenue: As of FY2025 Q4, the actual value is USD 123.78 M. EPS: As of FY2025 Q4, the actual value is USD 0.68, missing the estimate of USD 0.714. EBIT: As of FY2025 Q4, the actual value is USD -64.46 M. #### Net Income Available to Common Stockholders - For the year ended December 31, 2025: $103.4 million, compared to $21.8 million for the year ended December 31, 2024. - For the quarter ended December 31, 2025: $30.0 million, compared to $25.8 million for the quarter ended September 30, 2025, and - $22.2 million for the quarter ended December 31, 2024. #### Adjusted Net Income Available to Common Stockholders (Non-GAAP) - For the quarter ended December 31, 2025: $34.5 million. - For the year ended December 31, 2025: $113.634 million. - For the year ended December 31, 2024: $58.073 million. #### Total Revenue - For the fourth quarter of 2025: Record quarterly revenue of $124 million. #### Net Interest Income - For the fourth quarter of 2025: $112.3 million. - For the third quarter of 2025: $103.4 million. - For the fourth quarter of 2024: $91.1 million. - For the year ended December 31, 2025: $407.998 million. - For the year ended December 31, 2024: $318.054 million. #### Non-Interest Income - For the fourth quarter of 2025: $11.5 million. - For the third quarter of 2025: $12.2 million. - For the fourth quarter of 2024: A loss of - $33.9 million, which included - $42.8 million of pre-tax loss-on-sale of securities. - For the year ended December 31, 2025: $44.933 million. - For the year ended December 31, 2024: A loss of - $3.955 million. #### Non-Interest Expense - For the fourth quarter of 2025: $65.1 million, compared to $62.2 million for the third quarter of 2025 and $60.6 million for the fourth quarter of 2024. - Adjusted non-interest expense (non-GAAP) for the fourth quarter of 2025: $62.3 million, compared to $62.0 million for the third quarter of 2025 and $57.7 million for the fourth quarter of 2024. - For the year ended December 31, 2025: $253.102 million, compared to $226.547 million for the year ended December 31, 2024. #### Net Interest Margin - For the fourth quarter of 2025: 3.11%, compared to 3.01% for the third quarter of 2025 and 2.79% for the fourth quarter of 2024. #### Efficiency Ratio - For the fourth quarter of 2025: 52.6%, compared to 53.8% for the third quarter of 2025 and 105.9% for the fourth quarter of 2024. - Adjusted efficiency ratio for the fourth quarter of 2025: 50.3%, compared to 53.1% for the prior quarter and 58.0% for the fourth quarter of 2024. #### Deposits - Period end total deposits at December 31, 2025: $12.84 billion, compared to $12.06 billion at September 30, 2025, and $11.69 billion at December 31, 2024. - Total deposits increased $1.16 billion on a year-over-year basis, and core deposits (excluding brokered and time deposits) increased $1.26 billion year-over-year. - Average non-interest-bearing deposits to average total deposits for Q4 2025: 30.5%, compared to 29.9% for the prior quarter. - Brokered deposits at December 31, 2025: $200.0 million, compared to $422.8 million at December 31, 2024. #### Loans - Business loans grew $177.9 million on a linked quarter basis and $514.0 million on a year-over-year basis. - Total loans held for investment at December 31, 2025: $10,758,208 thousand. - Ending weighted average rate (WAR) on the total loan portfolio at December 31, 2025: 5.27%, a 10 basis point decrease compared to 5.37% at September 30, 2025. - Loan to deposit ratio at the end of Q4 2025: 83.8%, compared to 88.9% for the prior quarter. #### Non-Performing Assets and Credit Quality - Non-performing loans (NPLs) at December 31, 2025: $52.3 million, compared to $72.1 million at September 30, 2025, and $49.5 million at December 31, 2024. - Non-performing assets (NPAs) at December 31, 2025: $52.762 million, representing 0.34% of Total Assets. - Credit loss provision for the fourth quarter of 2025: $10.9 million, compared to $13.3 million for the third quarter of 2025, and $13.7 million for the fourth quarter of 2024. - Allowance for credit losses/Non-performing loans at December 31, 2025: 186.14%. #### Capital Management - Stockholders’ equity at December 31, 2025: Increased $23.4 million to $1.48 billion, compared to $1.45 billion at September 30, 2025. - Common Equity Tier 1 Ratio at the end of Q4 2025: 11.66%. - Consolidated CRE Concentration ratio: Proactively managed lower to 387%. - Book value per common share at December 31, 2025: $30.99, compared to $30.44 at September 30, 2025. - Tangible common book value per share at December 31, 2025: $27.37, compared to $26.81 at September 30, 2025. - Dividends per common share for Q4 2025: $0.25. #### Outlook / Guidance 迪募社区银行 (Dime Community Bancshares, Inc.) anticipates continued revenue growth in the coming years due to significant loan repricing opportunities extending through 2027. The company expects growth in core deposits and business loans to provide long-term benefits as they expand their customer base and hire productive bankers. A substantial liquidity position, including $2.35 billion of cash, offers flexibility for opportunistic lending. ### 相关股票 - [Dime Community Bancshares (DCOM.US)](https://longbridge.com/zh-CN/quote/DCOM.US.md) ## 相关资讯与研究 - [A Look At Dime Community Bancshares (DCOM) Valuation As Analyst Coverage And Dividend Support Investor Interest](https://longbridge.com/zh-CN/news/281309256.md) - [Dime Community Bancshares posts FY2025 net income of USD 103.4 million, up nearly 5 times, on record Q4 revenue of USD 124 million](https://longbridge.com/zh-CN/news/273224451.md) - [Nanalysis Sets Date for Q4 and Full-Year 2025 Results Call](https://longbridge.com/zh-CN/news/281538578.md) - [Itaú Unibanco Files Q4 2025 Pillar 3 Risk and Capital Report With Strong Capital Ratios](https://longbridge.com/zh-CN/news/281508938.md) - [Nike Plunges After Q4 Guidance Disappoints. Should You Buy the Dip or Stay Away?](https://longbridge.com/zh-CN/news/281415802.md)