Dime Community Bancshares Inc (DCOM)vsU.S. Bancorp (USB)
DCOM
Dime Community Bancshares Inc
$33.32
-0.27%
FINANCIAL SERVICES · Cap: $1.46B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 6329% more annual revenue ($26.35B vs $409.90M). USB leads profitability with a 28.7% profit margin vs 27.0%. USB appears more attractively valued with a PEG of 1.80. USB earns a higher WallStSmart Score of 75/100 (B).
DCOM
Strong Buy74
out of 100
Grade: B
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+67.8%
Fair Value
$110.45
Current Price
$33.32
$77.13 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 46.4%
Revenue surging 159.4% year-over-year
Earnings expanding 103.1% YoY
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Smaller company, higher risk/reward
ROE of 7.7% — below average capital efficiency
Expensive relative to growth rate
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : DCOM
The strongest argument for DCOM centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 27.0% and operating margin at 46.4%. Revenue growth of 159.4% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : DCOM
The primary concerns for DCOM are Market Cap, Return on Equity, PEG Ratio.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
DCOM profiles as a growth stock while USB is a mature play — different risk/reward profiles.
DCOM carries more volatility with a beta of 1.10 — expect wider price swings.
DCOM is growing revenue faster at 159.4% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 74/100), backed by strong 28.7% margins. DCOM offers better value entry with a 67.8% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Dime Community Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Dime Community Bancshares, Inc. is the parent company of Dime Community Bank providing commercial banking and financial services in New York. The company is headquartered in Hauppauge, New York.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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