Dime Commercial Bancshares, Inc. /NY/ earns about 65% on invested capital, but has diluted owners by 11% over 5 years — worth asking whether the growth reaches owners. The applicable estimate puts fair value near $24.17 a share. Whether it’s worth owning at today’s price is the last question — and yours to answer, below.
| Figure | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 |
|---|---|---|---|---|---|
| Revenue | $16M1 | $16.2M2 | $16.4M3 | $16.7M3 | $19.9M3 |
| Net income | $104M4 | $152.6M5 | $96.1M6 | $29.1M6 | $110.7M6 |
| Operating cash flow | $146.3M7 | $295.2M8 | $90.9M9 | $99.1M9 | $186.6M9 |
| Capital expenditure | — | $3.75M10 | — | — | — |
| Free cash flow (derived) | — | $291.4M8,10 | — | — | — |
| Total debt | — | — | — | — | — |
| Cash & equivalents | $393.7M11 | $169.3M12 | $457.5M12 | $1.28B12 | $2.35B12 |
| Diluted shares | 38.9M | 38.5M | 38.2M | 38.9M | 43.0M |
Superscripts are receipts. Each links to the SEC filing the number came from (full list at the bottom). A derived or summed figure cites every filing line it was built from.
10 shares is a claim on $343.02 of net worth that earned you $25.73 last year.
It earned an average 65% on invested capital over 5 years. Compare that to what it costs to fund the business.
seeing a moat in the numbers →Share count is up 11% over 5 years — owners have been diluted. Worth asking what they got for it.
reading capital allocation →Signals, not verdicts — read from the filings above. Numbers don’t prove a moat; they show its footprint. You decide.
assumptions (8)
- Risk-free rate (10Y Treasury)5.00%
- Equity risk premium5.00%
- Beta (β)1.00
- Equity share of capital85.0%
- Debt spread over risk-free1.50%
- Tax rate21.0%
- Normalized earnings$104M
- Growth assumed0.0%
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MeritValue on the App Store →- 10-K filed 2024-02-22 · period ending 2021-12-31 · accession 0000846617-24-000018 (RevenueFromContractWithCustomerExcludingAssessedTax)
- 10-K filed 2025-02-20 · period ending 2022-12-31 · accession 0000846617-25-000013 (RevenueFromContractWithCustomerExcludingAssessedTax)
- 10-K filed 2026-02-20 · periods ending 2023-12-31, 2024-12-31, 2025-12-31 · accession 0000846617-26-000013 (RevenueFromContractWithCustomerExcludingAssessedTax)
- 10-K filed 2024-02-22 · period ending 2021-12-31 · accession 0000846617-24-000018 (NetIncomeLoss)
- 10-K filed 2025-02-20 · period ending 2022-12-31 · accession 0000846617-25-000013 (NetIncomeLoss)
- 10-K filed 2026-02-20 · periods ending 2023-12-31, 2024-12-31, 2025-12-31 · accession 0000846617-26-000013 (NetIncomeLoss)
- 10-K filed 2024-02-22 · period ending 2021-12-31 · accession 0000846617-24-000018 (NetCashProvidedByUsedInOperatingActivities)
- 10-K filed 2025-02-20 · period ending 2022-12-31 · accession 0000846617-25-000013 (NetCashProvidedByUsedInOperatingActivities)
- 10-K filed 2026-02-20 · periods ending 2023-12-31, 2024-12-31, 2025-12-31 · accession 0000846617-26-000013 (NetCashProvidedByUsedInOperatingActivities)
- 10-K filed 2023-02-28 · period ending 2022-12-31 · accession 0000846617-23-000018 (PaymentsToAcquireProductiveAssets)
- 10-K filed 2025-02-20 · period ending 2021-12-31 · accession 0000846617-25-000013 (CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents)
- 10-K filed 2026-02-20 · periods ending 2022-12-31, 2023-12-31, 2024-12-31, 2025-12-31 · accession 0000846617-26-000013 (CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents)