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Side-by-side financial comparison of Dime Community Bancshares, Inc. (DCOM) and Stellar Bancorp, Inc. (STEL). 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 $108.9M, roughly 1.1× Stellar Bancorp, Inc.). On growth, Dime Community Bancshares, Inc. posted the faster year-over-year revenue change (3040.1% vs 0.8%). Over the past eight quarters, Dime Community Bancshares, Inc.'s revenue compounded faster (22.9% CAGR vs 0.2%).
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 ...
Stellar Bancorp, Inc. is a United States-based financial holding company that operates via its wholly-owned banking subsidiary. It provides a full suite of retail and commercial banking services, including deposit products, personal and commercial loans, mortgage services, and wealth management solutions, serving individual consumers, small businesses, and regional corporate clients.
DCOM vs STEL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $123.8M | $108.9M |
| Net Profit | — | $26.1M |
| Gross Margin | — | — |
| Operating Margin | 38.6% | 29.0% |
| Net Margin | — | 24.0% |
| Revenue YoY | 3040.1% | 0.8% |
| Net Profit YoY | — | 3.7% |
| EPS (diluted) | $0.68 | $0.52 |
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 | $108.9M | ||
| Q3 25 | $115.6M | $105.6M | ||
| Q2 25 | $109.7M | $104.1M | ||
| Q1 25 | $103.8M | $104.8M | ||
| Q4 24 | $3.9M | $108.0M | ||
| Q3 24 | $87.6M | $107.8M | ||
| Q2 24 | $87.3M | $106.8M | ||
| Q1 24 | $82.0M | $108.4M |
| Q4 25 | — | $26.1M | ||
| Q3 25 | $27.7M | $25.7M | ||
| Q2 25 | $29.7M | $26.4M | ||
| Q1 25 | $21.5M | $24.7M | ||
| Q4 24 | — | $25.2M | ||
| Q3 24 | $13.3M | $33.9M | ||
| Q2 24 | $18.5M | $29.8M | ||
| Q1 24 | $17.7M | $26.1M |
| Q4 25 | 38.6% | 29.0% | ||
| Q3 25 | 34.7% | 30.5% | ||
| Q2 25 | 36.6% | 31.7% | ||
| Q1 25 | 27.6% | 29.6% | ||
| Q4 24 | -433.6% | 29.4% | ||
| Q3 24 | 20.8% | 39.6% | ||
| Q2 24 | 29.8% | 35.1% | ||
| Q1 24 | 29.6% | 30.4% |
| Q4 25 | — | 24.0% | ||
| Q3 25 | 23.9% | 24.3% | ||
| Q2 25 | 27.1% | 25.3% | ||
| Q1 25 | 20.7% | 23.6% | ||
| Q4 24 | — | 23.3% | ||
| Q3 24 | 15.2% | 31.4% | ||
| Q2 24 | 21.2% | 27.9% | ||
| Q1 24 | 21.6% | 24.1% |
| Q4 25 | $0.68 | $0.52 | ||
| Q3 25 | $0.59 | $0.50 | ||
| Q2 25 | $0.64 | $0.51 | ||
| Q1 25 | $0.45 | $0.46 | ||
| Q4 24 | $-0.58 | $0.47 | ||
| Q3 24 | $0.29 | $0.63 | ||
| Q2 24 | $0.43 | $0.56 | ||
| Q1 24 | $0.41 | $0.49 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $419.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.5B | $1.7B |
| Total Assets | $15.3B | $10.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $419.5M | ||
| Q3 25 | — | $728.4M | ||
| Q2 25 | — | $578.1M | ||
| Q1 25 | — | $560.6M | ||
| Q4 24 | — | $911.2M | ||
| Q3 24 | — | $516.2M | ||
| Q2 24 | — | $490.3M | ||
| Q1 24 | — | $399.7M |
| Q4 25 | $1.5B | $1.7B | ||
| Q3 25 | $1.5B | $1.7B | ||
| Q2 25 | $1.4B | $1.6B | ||
| Q1 25 | $1.4B | $1.6B | ||
| Q4 24 | $1.4B | $1.6B | ||
| Q3 24 | $1.3B | $1.6B | ||
| Q2 24 | $1.3B | $1.6B | ||
| Q1 24 | $1.2B | $1.5B |
| Q4 25 | $15.3B | $10.8B | ||
| Q3 25 | $14.5B | $10.6B | ||
| Q2 25 | $14.2B | $10.5B | ||
| Q1 25 | $14.1B | $10.4B | ||
| Q4 24 | $14.4B | $10.9B | ||
| Q3 24 | $13.7B | $10.6B | ||
| Q2 24 | $13.5B | $10.7B | ||
| Q1 24 | $13.5B | $10.7B |
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 | $97.0M |
| Free Cash FlowOCF − Capex | — | $92.6M |
| FCF MarginFCF / Revenue | — | 85.0% |
| Capex IntensityCapex / Revenue | — | 4.0% |
| Cash ConversionOCF / Net Profit | — | 3.71× |
| TTM Free Cash FlowTrailing 4 quarters | — | $173.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $186.6M | $97.0M | ||
| Q3 25 | $52.1M | $63.6M | ||
| Q2 25 | $23.1M | $25.8M | ||
| Q1 25 | $65.4M | $-5.7M | ||
| Q4 24 | $99.1M | $132.6M | ||
| Q3 24 | $-33.3M | $59.5M | ||
| Q2 24 | $12.6M | $38.1M | ||
| Q1 24 | $30.7M | $31.1M |
| Q4 25 | — | $92.6M | ||
| Q3 25 | $51.2M | $62.5M | ||
| Q2 25 | $20.4M | $24.5M | ||
| Q1 25 | — | $-6.4M | ||
| Q4 24 | — | $128.0M | ||
| Q3 24 | $-34.1M | $57.7M | ||
| Q2 24 | $9.2M | $37.1M | ||
| Q1 24 | — | $30.5M |
| Q4 25 | — | 85.0% | ||
| Q3 25 | 44.3% | 59.2% | ||
| Q2 25 | 18.6% | 23.6% | ||
| Q1 25 | — | -6.2% | ||
| Q4 24 | — | 118.5% | ||
| Q3 24 | -38.9% | 53.5% | ||
| Q2 24 | 10.5% | 34.8% | ||
| Q1 24 | — | 28.2% |
| Q4 25 | — | 4.0% | ||
| Q3 25 | 0.7% | 1.1% | ||
| Q2 25 | 2.4% | 1.2% | ||
| Q1 25 | — | 0.7% | ||
| Q4 24 | — | 4.3% | ||
| Q3 24 | 0.9% | 1.7% | ||
| Q2 24 | 3.9% | 0.9% | ||
| Q1 24 | — | 0.5% |
| Q4 25 | — | 3.71× | ||
| Q3 25 | 1.88× | 2.48× | ||
| Q2 25 | 0.78× | 0.98× | ||
| Q1 25 | 3.05× | -0.23× | ||
| Q4 24 | — | 5.26× | ||
| Q3 24 | -2.50× | 1.76× | ||
| Q2 24 | 0.68× | 1.28× | ||
| Q1 24 | 1.74× | 1.19× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
