Financial insights of DCOM

MyFinsight

For the quarter ending 2025-09-30, DCOM made $323,239K in revenue. $25,849K in net income. Net profit margin of 8.00%.

Income Overview

Revenue
$323,239K
Net Income
$25,849K
Net Profit Margin
8.00%
EPS
$0.59
Unit: Thousand (K) dollars
Revenue Breakdown
Loans
Deposits and escrow
Salaries and employee benefits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Loans	147,756	145,448	142,705	151,828
Securities	11,338	11,353	11,323	7,766
Other short-term investments	16,449	10,749	7,837	4,645
Total interest income	175,543	167,550	161,865	164,239
Deposits and escrow	62,950	60,181	58,074	74,025
Borrowed funds	8,406	8,354	8,381	8,764
Derivative cash collateral	788	918	1,197	1,526
Total interest expense	72,144	69,453	67,652	84,315
Net interest income	103,399	98,097	94,213	79,924
Provision for credit losses	13,294	9,221	9,626	11,603
Net interest income after provision for credit losses	90,105	88,876	84,587	68,321
Service charges and other fees	5,209	4,642	4,643	4,267
Fair value change in equity securities and loans held for sale	-	-	18	39
Title fees	126	118	98	190
Loan level derivative income	650	942	61	132
Boli income	4,956	4,186	3,993	2,606
Gain on sale of sba loans	38	387	82	19
Gain on sale of residential loans	37	50	32	38
Fair value change in equity securities and loans held for sale	51	83	-	-
Net gain on securities	14	149	-	-
(loss) gain on sale of other assets	-1,117	-	-	2
Other	2,247	1,038	706	338
Total non-interest income	12,211	11,595	9,633	7,631
Salaries and employee benefits	38,344	36,218	35,651	36,132
Severance	6	136	76	-
Occupancy and equipment	8,107	7,729	8,002	7,448
Data processing costs	4,798	4,903	4,794	4,544
Marketing	1,961	1,756	1,666	1,629
Extinguishment of debt, gain (loss), net of tax	-	-	-	-1
Professional services	2,228	2,097	2,116	2,036
Federal deposit insurance premiums	1,799	1,692	2,047	2,105
Loss due to pension settlement	-	-	-7,231	-
Amortization of other intangible assets	236	235	252	286
Other	4,745	5,533	3,676	3,548
Total non-interest expense	62,224	60,299	65,511	57,729
Income before income taxes	40,092	40,172	28,709	18,223
Income tax expense	12,421	10,475	7,251	4,896
Net income	27,671	29,697	21,458	13,327
Preferred stock dividends	1,822	1,821	1,822	1,822
Net income available to common stockholders	25,849	27,876	19,636	11,505

Earnings per share, basic	0.59	0.64	0.45	0.29
Earnings per share, diluted	0.59	0.64	0.45	0.29
Weighted average number of shares outstanding, basic	43,052,898	43,030,023	42,948,690	38,366,619
Weighted average number of shares outstanding, diluted	43,052,898	43,030,023	42,948,690	38,366,619

MyFinsight

Income Overview

Revenue
$323,239K
Net Income
$25,849K
Net Profit Margin
8.00%
EPS
$0.59
Unit: Thousand (K) dollars
Revenue Breakdown
Loans
Deposits and escrow
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Revenue
$323,239K
Net Income
$25,849K
Net Profit Margin
8.00%
EPS
$0.59
Unit: Thousand (K) dollars
Revenue Breakdown
Loans
Deposits and escrow
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$323,239KNet Income$25,849KNet Profit Margin8.00%EPS$0.59Unit: Thousand (K) dollarsRevenue BreakdownLoansDeposits and escrowSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$323,239KNet Income$25,849KNet Profit Margin8.00%EPS$0.59Unit: Thousand (K) dollarsRevenue BreakdownLoansDeposits and escrowSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$323,239K
Net Income
$25,849K
Net Profit Margin
8.00%
EPS
$0.59
Unit: Thousand (K) dollars
Revenue Breakdown
Loans
Deposits and escrow
Salaries and employee benefits
Others

Revenue
$323,239K
Net Income
$25,849K
Net Profit Margin
8.00%
EPS
$0.59
Unit: Thousand (K) dollars
Revenue Breakdown
Loans
Deposits and escrow
Salaries and employee benefits
Others