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Side-by-side financial comparison of Dime Community Bancshares, Inc. (DCOM) and H2O AMERICA (HTO). Click either name above to swap in a different company.
H2O AMERICA is the larger business by last-quarter revenue ($199.4M vs $123.8M, roughly 1.6× Dime Community Bancshares, Inc.). On growth, Dime Community Bancshares, Inc. posted the faster year-over-year revenue change (3040.1% vs 1.5%). Over the past eight quarters, Dime Community Bancshares, Inc.'s revenue compounded faster (22.9% CAGR vs 15.3%).
The Dime Community Bank, originally known as the Dime Savings Bank of Williamsburgh, is a local, FDIC-insured bank headquartered in Hauppauge, New York. Founded in 1864, the bank was originally based in the Williamsburg neighborhood of Brooklyn, New York, and continues to operate with a strong market presence in this area. In 2017, Dime moved its headquarters to Brooklyn Heights. On Monday, February 1, 2021, Bridge Bancorp Inc. and Dime Community Bancshares successfully closed on a merger of ...
H2O Wireless is a United States-based prepaid cell phone service, that utilizes the AT&T network. It is a brand of the mobile virtual network operator (MVNO) Locus Telecommunications, a subsidiary of Telrite Holdings, Inc., since 2019. Locus was formerly a subsidiary of KDDI America corporation, starting in 2010. H2O Wireless is primarily advertised as a non-restrictive phone service for customers to bring or buy unlocked smartphones, although AT&T contract/locked phones may be accepted as well.
DCOM vs HTO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $123.8M | $199.4M |
| Net Profit | — | $16.2M |
| Gross Margin | — | — |
| Operating Margin | 38.6% | 16.6% |
| Net Margin | — | 8.1% |
| Revenue YoY | 3040.1% | 1.5% |
| Net Profit YoY | — | -29.2% |
| EPS (diluted) | $0.68 | $0.45 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $123.8M | $199.4M | ||
| Q3 25 | $115.6M | $243.5M | ||
| Q2 25 | $109.7M | $197.8M | ||
| Q1 25 | $103.8M | $164.9M | ||
| Q4 24 | $3.9M | $196.5M | ||
| Q3 24 | $87.6M | $216.7M | ||
| Q2 24 | $87.3M | $173.1M | ||
| Q1 24 | $82.0M | $150.0M |
| Q4 25 | — | $16.2M | ||
| Q3 25 | $27.7M | $45.1M | ||
| Q2 25 | $29.7M | $24.7M | ||
| Q1 25 | $21.5M | $16.6M | ||
| Q4 24 | — | $22.9M | ||
| Q3 24 | $13.3M | $38.7M | ||
| Q2 24 | $18.5M | $20.7M | ||
| Q1 24 | $17.7M | $11.7M |
| Q4 25 | 38.6% | 16.6% | ||
| Q3 25 | 34.7% | 26.5% | ||
| Q2 25 | 36.6% | 22.2% | ||
| Q1 25 | 27.6% | 21.8% | ||
| Q4 24 | -433.6% | 22.2% | ||
| Q3 24 | 20.8% | 26.9% | ||
| Q2 24 | 29.8% | 23.4% | ||
| Q1 24 | 29.6% | 18.6% |
| Q4 25 | — | 8.1% | ||
| Q3 25 | 23.9% | 18.5% | ||
| Q2 25 | 27.1% | 12.5% | ||
| Q1 25 | 20.7% | 10.0% | ||
| Q4 24 | — | 11.7% | ||
| Q3 24 | 15.2% | 17.8% | ||
| Q2 24 | 21.2% | 12.0% | ||
| Q1 24 | 21.6% | 7.8% |
| Q4 25 | $0.68 | $0.45 | ||
| Q3 25 | $0.59 | $1.27 | ||
| Q2 25 | $0.64 | $0.71 | ||
| Q1 25 | $0.45 | $0.49 | ||
| Q4 24 | $-0.58 | $0.70 | ||
| Q3 24 | $0.29 | $1.17 | ||
| Q2 24 | $0.43 | $0.64 | ||
| Q1 24 | $0.41 | $0.36 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $20.7M |
| Total DebtLower is stronger | — | $1.9B |
| Stockholders' EquityBook value | $1.5B | $1.5B |
| Total Assets | $15.3B | $5.1B |
| Debt / EquityLower = less leverage | — | 1.23× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $20.7M | ||
| Q3 25 | — | $11.3M | ||
| Q2 25 | — | $19.8M | ||
| Q1 25 | — | $23.7M | ||
| Q4 24 | — | $11.1M | ||
| Q3 24 | — | $4.0M | ||
| Q2 24 | — | $22.8M | ||
| Q1 24 | — | $4.5M |
| Q4 25 | — | $1.9B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $1.5B | $1.5B | ||
| Q3 25 | $1.5B | $1.5B | ||
| Q2 25 | $1.4B | $1.5B | ||
| Q1 25 | $1.4B | $1.4B | ||
| Q4 24 | $1.4B | $1.4B | ||
| Q3 24 | $1.3B | $1.3B | ||
| Q2 24 | $1.3B | $1.3B | ||
| Q1 24 | $1.2B | $1.2B |
| Q4 25 | $15.3B | $5.1B | ||
| Q3 25 | $14.5B | $5.0B | ||
| Q2 25 | $14.2B | $4.8B | ||
| Q1 25 | $14.1B | $4.7B | ||
| Q4 24 | $14.4B | $4.7B | ||
| Q3 24 | $13.7B | $4.6B | ||
| Q2 24 | $13.5B | $4.4B | ||
| Q1 24 | $13.5B | $4.4B |
| Q4 25 | — | 1.23× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.26× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $186.6M | $63.5M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | 3.92× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $186.6M | $63.5M | ||
| Q3 25 | $52.1M | $77.3M | ||
| Q2 25 | $23.1M | $60.8M | ||
| Q1 25 | $65.4M | $43.2M | ||
| Q4 24 | $99.1M | $41.5M | ||
| Q3 24 | $-33.3M | $53.5M | ||
| Q2 24 | $12.6M | $49.3M | ||
| Q1 24 | $30.7M | $51.2M |
| Q4 25 | — | — | ||
| Q3 25 | $51.2M | — | ||
| Q2 25 | $20.4M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $-34.1M | — | ||
| Q2 24 | $9.2M | — | ||
| Q1 24 | — | — |
| Q4 25 | — | — | ||
| Q3 25 | 44.3% | — | ||
| Q2 25 | 18.6% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -38.9% | — | ||
| Q2 24 | 10.5% | — | ||
| Q1 24 | — | — |
| Q4 25 | — | — | ||
| Q3 25 | 0.7% | — | ||
| Q2 25 | 2.4% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.9% | — | ||
| Q2 24 | 3.9% | — | ||
| Q1 24 | — | — |
| Q4 25 | — | 3.92× | ||
| Q3 25 | 1.88× | 1.71× | ||
| Q2 25 | 0.78× | 2.47× | ||
| Q1 25 | 3.05× | 2.61× | ||
| Q4 24 | — | 1.81× | ||
| Q3 24 | -2.50× | 1.39× | ||
| Q2 24 | 0.68× | 2.38× | ||
| Q1 24 | 1.74× | 4.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
DCOM
Segment breakdown not available.
HTO
| Water Utility Services | $191.0M | 96% |
| Other | $8.4M | 4% |
