DCOM

Dime Community Bancshares, Inc.

69
Fundamentals83/ 100
Valuation52/ 100
Upside potential74/ 100
Risk potential13/ 100

DCOM's fundamentals are strong: revenue grew 32% and its operating margin rose 16 points to 39%. At 14x earnings, it's trading right at its usual valuation. Analysts expect that strong growth to continue.

IREN

IREN Limited

There isn't enough reported data to score IREN yet.

DCOM Fundamentals

MetricStatus
Healthy
Strong
N/A
N/A

DCOM's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like DCOM.

IREN Fundamentals

MetricStatus
Under pressure
Weak
N/A
N/A

IREN's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like IREN.

DCOM PE Valuation

CHEAPFAIREXPENSIVE15x29x44x59x
CHEAPFAIREXPENSIVE15x29x44x59x
LevelPEPriceVs current
Cheap7.9x$24.18-43%
Forward10x$42.23โ€”
Fair13x$40.73-3.5%
Current14x$42.23โ€”
Expensive24x$74.84+77%

Historical ranges are pointers, not guarantees.

DCOM's PE is in its fair range at 14x. If earnings grow as analysts expect, today's price would be 10x next year's earnings.

IREN PE Valuation

IREN has no meaningful PE right now: it lost money over the past year.

DCOM Forward outlook

MetricOutlook
Strongly improving
Strong growth
Growth
Strongly improving
Limited
Moderate

DCOM has the edge over IREN on the outlook, with more favorable earnings expectations.

IREN Forward outlook

MetricOutlook
--
Losses growing
Strong growth
Strongly improving
Limited
Low

Analysts expect IREN's losses to grow, with revenue growing. However, they disagree widely on these estimates.

DCOM Risk to reward

ScenarioChangePrice
Upside+36%$57.44
Downside-13%$36.76

Calculated from the latest close: $42.23 on Nov 12.

There is not enough scenario data to compare DCOM and IREN's risk to reward.

IREN Risk to reward

ScenarioChangePrice
UpsideUnknownโ€”
DownsideUnknownโ€”

Calculated from the latest close: $19.48 on Nov 12.

There is not enough scenario data to compare DCOM and IREN's risk to reward.

DCOM Earnings Per Share

Q4 2023: $2.29Q1 2024: $1.78Q2 2024: $1.55Q3 2024: $1.50Q4 2024: $0.55Q1 2025: $0.59Q2 2025: $0.80Q3 2025: $1.10Q4 2025: $2.36Q1 2026: $2.66Q2 2026: $2.77Q3 2026: $3.08Forward: $4.09
Q4 2023: $2.29Q1 2024: $1.78Q2 2024: $1.55Q3 2024: $1.50Q4 2024: $0.55Q1 2025: $0.59Q2 2025: $0.80Q3 2025: $1.10Q4 2025: $2.36Q1 2026: $2.66Q2 2026: $2.77Q3 2026: $3.08Forward: $4.09
QuarterTTM EPSYoY
Forward$4.09+33%
Q3 2026$3.08+180%
Q2 2026$2.77+246%
Q1 2026$2.66+351%
Q4 2025$2.36+329%
Q3 2025$1.10-27%
Q2 2025$0.80-48%
Q1 2025$0.59-67%
Q4 2024$0.55-76%

DCOM has the edge over IREN on earnings quality, reporting a profit while its opponent remains loss making.

IREN Earnings Per Share

Q4 2023: $-0.29Q1 2024: $-0.16Q2 2024: $-0.20Q3 2024: $-0.39Q4 2024: $-0.44Q1 2025: $-0.59Q2 2025: $0.25Q3 2025: $1.60Q4 2025: $1.18Q1 2026: $0.51Q2 2026: $-2.22Q3 2026: $-3.96
Q4 2023: $-0.29Q1 2024: $-0.16Q2 2024: $-0.20Q3 2024: $-0.39Q4 2024: $-0.44Q1 2025: $-0.59Q2 2025: $0.25Q3 2025: $1.60Q4 2025: $1.18Q1 2026: $0.51Q2 2026: $-2.22Q3 2026: $-3.96
QuarterTTM EPSYoY
Q3 2026-$3.96-347%
Q2 2026-$2.22-988%
Q1 2026$0.51+$1.10
Q4 2025$1.18+$1.62
Q3 2025$1.60+$1.99
Q2 2025$0.25+$0.45
Q1 2025-$0.59-$0.43
Q4 2024-$0.44-$0.15

IREN has swung to a loss: it lost $3.96 per share over the past year, after a profit the year before.

DCOM Quarterly Revenue

Q4 2023: $83MQ1 2024: $82MQ2 2024: $87MQ3 2024: $88MQ4 2024: $57MQ1 2025: $104MQ2 2025: $110MQ3 2025: $116MQ4 2025: $124MQ1 2026: $124MQ2 2026: $126MQ3 2026: $135M
Q4 2023: $83MQ1 2024: $82MQ2 2024: $87MQ3 2024: $88MQ4 2024: $57MQ1 2025: $104MQ2 2025: $110MQ3 2025: $116MQ4 2025: $124MQ1 2026: $124MQ2 2026: $126MQ3 2026: $135M
QuarterRevenueYoY
Q3 2026$135.3M+17%
Q2 2026$126.5M+15%
Q1 2026$123.6M+19%
Q4 2025$123.8M+116%
Q3 2025$115.6M+32%
Q2 2025$109.7M+26%
Q1 2025$103.8M+27%
Q4 2024$57.2M-31%

DCOM's revenue has grown year over year for seven quarters in a row: $135M last quarter, up 17% from the same quarter a year ago.

IREN Quarterly Revenue

Q4 2023: $42MQ1 2024: $54MQ2 2024: $57MQ3 2024: $53MQ4 2024: $116MQ1 2025: $145MQ2 2025: $187MQ3 2025: $240MQ4 2025: $185MQ1 2026: $145MQ2 2026: $137MQ3 2026: $228M
Q4 2023: $42MQ1 2024: $54MQ2 2024: $57MQ3 2024: $53MQ4 2024: $116MQ1 2025: $145MQ2 2025: $187MQ3 2025: $240MQ4 2025: $185MQ1 2026: $145MQ2 2026: $137MQ3 2026: $228M
QuarterRevenueYoY
Q3 2026$228M-5.1%
Q2 2026$137.2M-27%
Q1 2026$144.8M0%
Q4 2025$184.7M+59%
Q3 2025$240.3M+355%
Q2 2025$187.3M+230%
Q1 2025$144.8M+168%
Q4 2024$116.1M+176%

IREN's revenue has held roughly level: $228M last quarter, down 5.1% from the same quarter a year ago.

DCOM Free Cash Flow

Q4 2023: โˆ’$40MQ1 2024: $31MQ2 2024: $13MQ3 2024: โˆ’$33MQ4 2024: $89MQ1 2025: $65MQ2 2025: --Q3 2025: $51MQ4 2025: $46MQ1 2026: $48MQ2 2026: $56MQ3 2026: $108M
Q4 2023: โˆ’$40MQ1 2024: $31MQ2 2024: $13MQ3 2024: โˆ’$33MQ4 2024: $89MQ1 2025: $65MQ2 2025: --Q3 2025: $51MQ4 2025: $46MQ1 2026: $48MQ2 2026: $56MQ3 2026: $108M
QuarterFree cash flowYoY
Q3 2026$107.9M+111%
Q1 2026$48M-27%
Q4 2025$46M-48%
Q3 2025$51.2M+$84.5M
Q1 2025$65.4M+113%
Q4 2024$89M+$129.1M
Q3 2024-$33.3M-139%
Q2 2024$12.6M-60%

DCOM has the edge over IREN on cash generation, producing positive trailing cash flow while its opponent burns cash.

IREN Free Cash Flow

Q4 2023: โˆ’$29MQ1 2024: โˆ’$222MQ2 2024: โˆ’$163MQ3 2024: โˆ’$387MQ4 2024: โˆ’$134MQ1 2025: โˆ’$351MQ2 2025: $16MQ3 2025: โˆ’$38MQ4 2025: โˆ’$468MQ1 2026: โˆ’$874MQ2 2026: $482MQ3 2026: โˆ’$1.6B
Q4 2023: โˆ’$29MQ1 2024: โˆ’$222MQ2 2024: โˆ’$163MQ3 2024: โˆ’$387MQ4 2024: โˆ’$134MQ1 2025: โˆ’$351MQ2 2025: $16MQ3 2025: โˆ’$38MQ4 2025: โˆ’$468MQ1 2026: โˆ’$874MQ2 2026: $482MQ3 2026: โˆ’$1.6B
QuarterFree cash flowYoY
Q3 2026-$1.6B-$1.6B
Q2 2026$482.2M+2895%
Q1 2026-$873.8M-$523.1M
Q4 2025-$468M-$334M
Q3 2025-$38M+$349.4M
Q2 2025$16.1M+$179M
Q1 2025-$350.7M-$128.7M
Q4 2024-$134M-$105.2M

IREN's free cash flow was โˆ’$2.5B over the past year, against โˆ’$507M the year before. Free cash flow isn't a meaningful measure for financial services companies like IREN.

DCOM Total Shares

Q4 2023: 38MQ1 2024: 38MQ2 2024: 38MQ3 2024: 38MQ4 2024: 39MQ1 2025: 43MQ2 2025: 43MQ3 2025: 43MQ4 2025: 43MQ1 2026: 43MQ2 2026: 43MQ3 2026: 43M
Q4 2023: 38MQ1 2024: 38MQ2 2024: 38MQ3 2024: 38MQ4 2024: 39MQ1 2025: 43MQ2 2025: 43MQ3 2025: 43MQ4 2025: 43MQ1 2026: 43MQ2 2026: 43MQ3 2026: 43M
PeriodChange %Net change
Quarterly-0.2%-81.2K shares
1 year+0.2%+84.5K shares
3 years+13%+4.9M shares
5 years+6.7%+2.7M shares

DCOM has the edge over IREN on shareholder dilution, with a more favorable share count trend.

IREN Total Shares

Q4 2023: 73MQ1 2024: 112MQ2 2024: 186MQ3 2024: 189MQ4 2024: 210MQ1 2025: 219MQ2 2025: 257MQ3 2025: 362MQ4 2025: 298MQ1 2026: 334MQ2 2026: 316MQ3 2026: 399M
Q4 2023: 73MQ1 2024: 112MQ2 2024: 186MQ3 2024: 189MQ4 2024: 210MQ1 2025: 219MQ2 2025: 257MQ3 2025: 362MQ4 2025: 298MQ1 2026: 334MQ2 2026: 316MQ3 2026: 399M
PeriodChange %Net change
Quarterly+26%+82.4M shares
1 year+10%+36.9M shares
3 years+511%+333M shares
5 years+624%+344M shares
Available history+2346%+382M shares

IREN has 399M diluted shares, up 10% from a year ago.

DCOM Net Leverage

Q4 2023: -1.8xQ1 2024: -1.5xQ2 2024: -1.5xQ3 2024: -3.6xQ4 2024: -16.8xQ1 2025: -12.4xQ2 2025: -11.8xQ3 2025: -14.9xQ4 2025: -12.9xQ1 2026: -10.1xQ2 2026: -9.0xQ3 2026: -9.6x
Q4 2023: -1.8xQ1 2024: -1.5xQ2 2024: -1.5xQ3 2024: -3.6xQ4 2024: -16.8xQ1 2025: -12.4xQ2 2025: -11.8xQ3 2025: -14.9xQ4 2025: -12.9xQ1 2026: -10.1xQ2 2026: -9.0xQ3 2026: -9.6x
QuarterNet LeverageStatus
Q3 2026-9.6xNet Cash
Q2 2026-9.0xNet Cash
Q1 2026-10.1xNet Cash
Q4 2025-12.9xNet Cash
Q3 2025-14.9xNet Cash
Q2 2025-11.8xNet Cash
Q1 2025-12.4xNet Cash
Q4 2024-16.8xNet Cash

DCOM has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like DCOM.

IREN Net Leverage

Q4 2023: -11.0xQ1 2024: -10.6xQ2 2024: -15.9xQ3 2024: -16.7xQ4 2024: -4.6xQ1 2025: 3.3xQ2 2025: 2.0xQ3 2025: 4.1xQ4 2025: 22.2xQ1 2026: 157.6x
Q4 2023: -11.0xQ1 2024: -10.6xQ2 2024: -15.9xQ3 2024: -16.7xQ4 2024: -4.6xQ1 2025: 3.3xQ2 2025: 2.0xQ3 2025: 4.1xQ4 2025: 22.2xQ1 2026: 157.6x
QuarterNet LeverageStatus
Q1 2026157.6xHigh
Q4 202522.2xHigh
Q3 20254.1xHigh
Q2 20252.0xModerate
Q1 20253.3xElevated
Q4 2024-4.6xNet Cash
Q3 2024-16.7xNet Cash
Q2 2024-15.9xNet Cash

IREN's net debt is more than 20 years of its operating earnings (EBITDA), up from 3.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like IREN.

DCOM Weekly Momentum

MetricValueStatus
RSI61.7Neutral
Stochastic66.5Neutral

DCOM's weekly RSI is 62 (neutral) and its Stochastic is 66 (neutral).

IREN Weekly Momentum

MetricValueStatus
RSI33.3Neutral
Stochastic8.2Oversold

IREN's weekly RSI is 33 (neutral) and its Stochastic is 8 (oversold).

DCOM PE vs Financial Services Sector

MetricDCOMSector medianRelative
PE14x13x5.3% above
PE %526311 pts below

DCOM is trading at 14x earnings, in line with the Financial Services sector's median of 13x.

IREN PE vs Financial Services Sector

MetricIRENSector medianRelative
PEN/A13xโ€”

IREN has no meaningful PE right now: it lost money over the past year.

DCOM Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$40.83.6% above
20 week MA$40.64% above
50 week MA$36.915% above
100 week MA$32.729% above
200 week MA$27.951% above

DCOM has the edge over IREN on trend strength, trading above more of its moving averages.

IREN Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$29.835% below
20 week MA$36.246% below
50 week MA$42.854% below
100 week MA$32.039% below
200 week MA$19.12.1% above

IREN has fallen below most of its moving averages, though it's still 2.1% above its 200-week average.

DCOM Yearly ROI

YearStart priceEnd priceROI
2020$33.7$24.5-27%
2021$24.5$34.4+41%
2022$34.4$32.0-7.1%
2023$32.0$26.9-16%
2024$26.9$30.7+14%
2025$30.7$31.2+1.8%
2026 YTD$31.2$42.2+35%

DCOM has the edge over IREN on returns for 2026, with the stronger performance.

IREN Yearly ROI

YearStart priceEnd priceROI
2021$24.8$17.2-31%
2022$17.2$1.19-93%
2023$1.19$7.15+501%
2024$7.15$10.7+50%
2025$10.7$40.3+276%
2026 YTD$40.3$19.5-52%

IREN's yearly returns have swung widely, from +501% in 2023 to โˆ’93% in 2022. It's down 52% so far in 2026.

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