Q4: 2026-01-21 Earnings Summary

EPS of $0.79 beats by $0.08

| Revenue of $123.78M (116.26% Y/Y) beats by $5.65M

Dime Community Bancshares, Inc. (DCOM) Q4 2025 Earnings Call January 21, 2026 8:30 AM EST

Company Participants

Stuart Lubow - CEO, President & Director Thomas Geisel - Senior Executive Vice President & Chief Commercial Officer Avinash Reddy - COO, Senior EVP & CFO

Conference Call Participants

Mark Fitzgibbon - Piper Sandler & Co., Research Division Stephen Moss - Raymond James & Associates, Inc., Research Division David Konrad - Keefe, Bruyette, & Woods, Inc., Research Division Matthew Breese - Stephens Inc., Research Division

Presentation

Operator

Good day, and welcome to the Dime Community Bancshares, Inc. Q4 Earnings Call. [Operator Instructions] As a reminder, this call may be recorded. Before we begin, the company would like to remind you that discussions during this call contain forward-looking statements made under the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Such statements are subject to risks, uncertainties and other factors that may cause actual results to differ materially from those contained in any such statements. Including as set forth in today’s press release and the company’s filings with the U.S. Securities and Exchange Commission, to which we refer you.

During this call, references will be made to non-GAAP financial measures as supplemental measures to review and assess operating performance. These non-GAAP financial measures are not intended to be considered in isolation or as a substitute for the financial information prepared and presented in accordance with the U.S. GAAP. For information about these non-GAAP measures and for reconciliations to GAAP, please refer to today’s earnings release.

At this time, I would like to turn the call over to Stuart Lubow, President and CEO. You may begin.

Stuart Lubow CEO, President & Director

Good morning. Thank you, Michelle, and thank you all for joining us this morning for our quarterly earnings call. With me this morning, as usual, are Avi