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Side-by-side financial comparison of Dime Community Bancshares, Inc. (DCOM) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Dime Community Bancshares, Inc. is the larger business by last-quarter revenue ($123.8M vs $78.6M, roughly 1.6× Repay Holdings Corp). On growth, Dime Community Bancshares, Inc. posted the faster year-over-year revenue change (3040.1% vs 0.4%). Over the past eight quarters, Dime Community Bancshares, Inc.'s revenue compounded faster (22.9% CAGR vs -1.3%).
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 ...
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
DCOM vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $123.8M | $78.6M |
| Net Profit | — | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | 38.6% | -182.2% |
| Net Margin | — | -178.3% |
| Revenue YoY | 3040.1% | 0.4% |
| Net Profit YoY | — | -3304.1% |
| EPS (diluted) | $0.68 | $-1.68 |
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 | $78.6M | ||
| Q3 25 | $115.6M | $77.7M | ||
| Q2 25 | $109.7M | $75.6M | ||
| Q1 25 | $103.8M | $77.3M | ||
| Q4 24 | $3.9M | $78.3M | ||
| Q3 24 | $87.6M | $79.1M | ||
| Q2 24 | $87.3M | $74.9M | ||
| Q1 24 | $82.0M | $80.7M |
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $27.7M | $-6.4M | ||
| Q2 25 | $29.7M | $-102.3M | ||
| Q1 25 | $21.5M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $13.3M | $3.2M | ||
| Q2 24 | $18.5M | $-4.1M | ||
| Q1 24 | $17.7M | $-5.2M |
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
| Q4 25 | 38.6% | -182.2% | ||
| Q3 25 | 34.7% | -3.9% | ||
| Q2 25 | 36.6% | -138.7% | ||
| Q1 25 | 27.6% | -4.7% | ||
| Q4 24 | -433.6% | -1.5% | ||
| Q3 24 | 20.8% | -0.9% | ||
| Q2 24 | 29.8% | -4.6% | ||
| Q1 24 | 29.6% | -3.1% |
| Q4 25 | — | -178.3% | ||
| Q3 25 | 23.9% | -8.3% | ||
| Q2 25 | 27.1% | -135.2% | ||
| Q1 25 | 20.7% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | 15.2% | 4.1% | ||
| Q2 24 | 21.2% | -5.4% | ||
| Q1 24 | 21.6% | -6.5% |
| Q4 25 | $0.68 | $-1.68 | ||
| Q3 25 | $0.59 | $-0.08 | ||
| Q2 25 | $0.64 | $-1.15 | ||
| Q1 25 | $0.45 | $-0.09 | ||
| Q4 24 | $-0.58 | $-0.04 | ||
| Q3 24 | $0.29 | $0.03 | ||
| Q2 24 | $0.43 | $-0.04 | ||
| Q1 24 | $0.41 | $-0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $1.5B | $484.4M |
| Total Assets | $15.3B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M | ||
| Q1 24 | — | $128.3M |
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M | ||
| Q1 24 | — | $434.9M |
| Q4 25 | $1.5B | $484.4M | ||
| Q3 25 | $1.5B | $616.9M | ||
| Q2 25 | $1.4B | $633.7M | ||
| Q1 25 | $1.4B | $755.7M | ||
| Q4 24 | $1.4B | $761.3M | ||
| Q3 24 | $1.3B | $754.7M | ||
| Q2 24 | $1.3B | $815.4M | ||
| Q1 24 | $1.2B | $813.8M |
| Q4 25 | $15.3B | $1.2B | ||
| Q3 25 | $14.5B | $1.3B | ||
| Q2 25 | $14.2B | $1.4B | ||
| Q1 25 | $14.1B | $1.5B | ||
| Q4 24 | $14.4B | $1.6B | ||
| Q3 24 | $13.7B | $1.6B | ||
| Q2 24 | $13.5B | $1.5B | ||
| Q1 24 | $13.5B | $1.5B |
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× | ||
| Q1 24 | — | 0.53× |
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 | $23.3M |
| Free Cash FlowOCF − Capex | — | $23.2M |
| FCF MarginFCF / Revenue | — | 29.6% |
| Capex IntensityCapex / Revenue | — | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $186.6M | $23.3M | ||
| Q3 25 | $52.1M | $32.2M | ||
| Q2 25 | $23.1M | $33.1M | ||
| Q1 25 | $65.4M | $2.5M | ||
| Q4 24 | $99.1M | $34.3M | ||
| Q3 24 | $-33.3M | $60.1M | ||
| Q2 24 | $12.6M | $31.0M | ||
| Q1 24 | $30.7M | $24.8M |
| Q4 25 | — | $23.2M | ||
| Q3 25 | $51.2M | $32.1M | ||
| Q2 25 | $20.4M | $33.0M | ||
| Q1 25 | — | $2.4M | ||
| Q4 24 | — | $34.0M | ||
| Q3 24 | $-34.1M | $59.8M | ||
| Q2 24 | $9.2M | $30.5M | ||
| Q1 24 | — | $24.7M |
| Q4 25 | — | 29.6% | ||
| Q3 25 | 44.3% | 41.3% | ||
| Q2 25 | 18.6% | 43.6% | ||
| Q1 25 | — | 3.0% | ||
| Q4 24 | — | 43.5% | ||
| Q3 24 | -38.9% | 75.6% | ||
| Q2 24 | 10.5% | 40.7% | ||
| Q1 24 | — | 30.6% |
| Q4 25 | — | 0.1% | ||
| Q3 25 | 0.7% | 0.2% | ||
| Q2 25 | 2.4% | 0.1% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | 0.9% | 0.3% | ||
| Q2 24 | 3.9% | 0.6% | ||
| Q1 24 | — | 0.1% |
| Q4 25 | — | — | ||
| Q3 25 | 1.88× | — | ||
| Q2 25 | 0.78× | — | ||
| Q1 25 | 3.05× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -2.50× | 18.52× | ||
| Q2 24 | 0.68× | — | ||
| Q1 24 | 1.74× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
DCOM
Segment breakdown not available.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
