DDM Analysis: DCOM

Valuation Snapshot

Stable Growth	$31.15 - $79.56	$47.07
Multi-Stage	$23.16 - $25.21	$24.17
Blended Fair Value	$35.62
Current Price	$29.83
Upside	19.41%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	13.63%	6.58%	0.89	0.88	0.86	0.92	0.44	0.47	0.49	0.49	0.48	0.48
YoY Growth	-	-	1.97%	1.39%	-6.51%	110.31%	-6.83%	-3.57%	-0.85%	2.06%	1.42%	0.93%
Dividend Yield	-	-	3.20%	4.71%	3.80%	2.67%	1.46%	2.23%	1.62%	1.47%	1.38%	1.56%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	58.41
(-) Cash Dividends Paid (M)	50.58
(=) Cash Retained (M)	7.83

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	11.68	7.30	4.38
Cash Retained (M)	7.83	7.83	7.83
(-) Cash Required (M)	-11.68	-7.30	-4.38
(=) Excess Retained (M)	-3.85	0.53	3.45
(/) Shares Outstanding (M)	42.62	42.62	42.62
(=) Excess Retained per Share	-0.09	0.01	0.08
LTM Dividend per Share	1.19	1.19	1.19
(+) Excess Retained per Share	-0.09	0.01	0.08
(=) Adjusted Dividend	1.10	1.20	1.27
WACC / Discount Rate	9.21%	9.21%	9.21%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$31.15	$47.07	$79.56
Upside / Downside	4.43%	57.81%	166.70%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	58.41	62.21	66.25	70.56	75.15	80.03	82.43
Payout Ratio	86.59%	87.27%	87.95%	88.64%	89.32%	90.00%	92.50%
Projected Dividends (M)	50.58	54.29	58.27	62.54	67.12	72.03	76.25

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	9.21%	9.21%	9.21%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	49.25	49.71	50.18
Year 2 PV (M)	47.94	48.86	49.78
Year 3 PV (M)	46.67	48.01	49.38
Year 4 PV (M)	45.43	47.18	48.98
Year 5 PV (M)	44.22	46.36	48.58
PV of Terminal Value (M)	753.49	789.88	827.67
Equity Value (M)	987.00	1,030.00	1,074.55
Shares Outstanding (M)	42.62	42.62	42.62
Fair Value	$23.16	$24.17	$25.21
Upside / Downside	-22.37%	-18.99%	-15.48%

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Financial Statements

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Dime Community Bancshares, Inc. (DCOM)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener