DCOM
Dime Community Bancshares, Inc.
DCOM has the edge over MS overall, supported by stronger fundamentals and stronger valuation.
MS
Morgan Stanley
MS has slightly lower modeled downside risk, despite its lower overall score.
DCOM Fundamentals
| Metric | Status |
|---|---|
| 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.
MS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.
DCOM PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.9x | $24.18 | -43% |
| Forward | 10x | $42.23 | — |
| Fair | 13x | $40.73 | -3.5% |
| Current | 14x | $42.23 | — |
| Expensive | 24x | $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.
MS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $134 | -29% |
| Fair | 14x | $178 | -5.7% |
| Forward | 14x | $189 | — |
| Current | 15x | $189 | — |
| Expensive | 18x | $223 | +18% |
Historical ranges are pointers, not guarantees.
MS has the edge over DCOM in the historical PE scenario, which offers more potential upside but is not a forecast.
DCOM Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for DCOM, with profitability improving.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for MS, with profitability improving.
DCOM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| 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 earned $3.08 per share over the past year, up 180% from the year before.
MS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.39 | +6.3% |
| Q3 2026 | $12.60 | +29% |
| Q2 2026 | $12.37 | +40% |
| Q1 2026 | $11.04 | +29% |
| Q4 2025 | $10.21 | +28% |
| Q3 2025 | $9.76 | +48% |
| Q2 2025 | $8.84 | +45% |
| Q1 2025 | $8.53 | +55% |
| Q4 2024 | $7.95 | +53% |
MS's earnings per share have climbed steadily: $12.60 over the past year, up 29% from the year before, and higher year over year for 10 quarters in a row.
DCOM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| 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.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 41% | +6.7 points |
| Q2 2026 | 38% | +1.2 points |
| Q1 2026 | 39% | +12 points |
| Q4 2025 | 39% | +69 points |
| Q3 2025 | 35% | +14 points |
| Q2 2025 | 37% | +6.8 points |
| Q1 2025 | 28% | -2 points |
| Q4 2024 | -30% | -60 points |
DCOM has the edge over MS on profitability, with a higher operating margin.
MS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.3B | +12% |
| Q2 2026 | $21.3B | +27% |
| Q1 2026 | $20.6B | +16% |
| Q4 2025 | $17.9B | +10% |
| Q3 2025 | $18.2B | +18% |
| Q2 2025 | $16.8B | +12% |
| Q1 2025 | $17.7B | +17% |
| Q4 2024 | $16.2B | +26% |
MS's revenue has grown year over year for 14 quarters in a row: $20.3B last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.2 points |
| Q2 2026 | 34% | +6.9 points |
| Q1 2026 | 34% | +2.8 points |
| Q4 2025 | 32% | +2 points |
| Q3 2025 | 33% | +5.6 points |
| Q2 2025 | 28% | +0.4 points |
| Q1 2025 | 31% | +2.2 points |
| Q4 2024 | 30% | +14 points |
MS's operating margin was 32% last quarter, down 1.2 points from the same quarter a year ago.
DCOM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| 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 MS on cash generation, producing positive trailing cash flow while its opponent burns cash.
MS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$46B | -$42.7B |
| Q2 2026 | -$2.7B | -123% |
| Q1 2026 | -$7.1B | +$16.9B |
| Q4 2025 | -$2.4B | -120% |
| Q3 2025 | -$3.3B | +$14B |
| Q2 2025 | $11.8B | +368% |
| Q1 2025 | -$24B | -650% |
| Q4 2024 | $11.8B | +$29.6B |
MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.
DCOM Total Shares
| Period | Change % | 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 43M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | $232,000 |
| Q1 2023 | $715,000 |
| Q4 2022 | $264,000 |
| Q3 2022 | $6.2M |
| Q2 2022 | $22.9M |
| Q1 2022 | $17.4M |
MS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -3M shares |
| 1 year | -1.5% | -24M shares |
| 3 years | -4.7% | -77M shares |
| 5 years | -14% | -246M shares |
| Available history | -4.5% | -74M shares |
MS has the edge over DCOM on shareholder dilution, with a more favorable share count trend.
DCOM Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -9.6x | Net Cash |
| Q2 2026 | -9.0x | Net Cash |
| Q1 2026 | -10.1x | Net Cash |
| Q4 2025 | -12.9x | Net Cash |
| Q3 2025 | -14.9x | Net Cash |
| Q2 2025 | -11.8x | Net Cash |
| Q1 2025 | -12.4x | Net Cash |
| Q4 2024 | -16.8x | Net Cash |
DCOM has the edge over MS on leverage, with a lower net debt burden relative to earnings.
MS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 8.2x | High |
| Q4 2025 | 8.6x | High |
| Q3 2025 | 8.4x | High |
| Q2 2025 | 8.7x | High |
| Q1 2025 | 8.7x | High |
| Q4 2024 | 7.9x | High |
MS's net debt is about 7.8 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MS.
DCOM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.7 | Neutral |
| Stochastic | 66.5 | Neutral |
DCOM's weekly RSI is 62 (neutral) and its Stochastic is 66 (neutral).
MS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 18.7 | Oversold |
MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (oversold).
DCOM PE vs Financial Services Sector
| Metric | DCOM | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 5.3% above |
| PE % | 52 | 63 | 11 pts below |
DCOM has the edge over MS on valuation relative to its sector.
MS PE vs Financial Services Sector
| Metric | MS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 59 | 63 | 4 pts below |
MS is trading at 15x earnings, a 15% premium to the Financial Services sector's median of 13x.
DCOM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $40.8 | 3.6% above |
| 20 week MA | $40.6 | 4% above |
| 50 week MA | $36.9 | 15% above |
| 100 week MA | $32.7 | 29% above |
| 200 week MA | $27.9 | 51% above |
DCOM has the edge over MS on trend strength, trading above more of its moving averages.
MS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $186.5 | 1.5% above |
| 20 week MA | $203.3 | 6.9% below |
| 50 week MA | $191.9 | 1.4% below |
| 100 week MA | $164.9 | 15% above |
| 200 week MA | $129.3 | 46% above |
MS's trend is mixed: it's above three of its five weekly moving averages, and 46% above its 200-week average.
DCOM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 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 MS on returns for 2026, with the stronger performance.
MS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $68.1 | +33% |
| 2021 | $68.1 | $99.3 | +46% |
| 2022 | $99.3 | $86.1 | -13% |
| 2023 | $86.1 | $93.3 | +8.3% |
| 2024 | $93.3 | $126.8 | +36% |
| 2025 | $126.8 | $181.9 | +43% |
| 2026 YTD | $181.9 | $189.2 | +4% |
MS has finished higher in five of the last six years. It's up 4% so far in 2026.