Not a good buy right now: the uptrend is strong but technically stretched (RSI extremely overbought) and options positioning skews defensive.
With price at 36.18 (already above R1 ~35.90 and approaching R2 ~37.02), the risk/reward for an impatient entry is unfavorable versus waiting for even a modest pullback.
Bull case is supported by improving margin narrative and mostly higher Street price targets, but the latest quarter shows sharp YoY earnings/EPS deterioration, which can cap upside momentum.
No Intellectia (AI Stock Picker / SwingMax) “strong buy” signals today to override the overbought setup.
Technical Analysis
Trend: Bullish structure with SMA_5 > SMA_20 > SMA_200, indicating a sustained uptrend.
Momentum: MACD histogram +0.381 and expanding (bullish continuation signal).
Overbought: RSI_6 = 86.735, which is very overbought and often precedes near-term digestion/pullback.
Levels: Pivot 34.10; Support S1 32.30; Resistance R1 35.90 (already cleared) and R2 37.02 (near-term upside ceiling).
Pattern-based odds: modeled next-week bias is slightly negative (-2.08%), despite a mildly positive 1-month outlook (+2.91%).
Positioning: Open interest put/call ratio = 2.69 (put-heavy), suggesting hedging/defensive sentiment rather than aggressive upside chasing.
Activity: Today’s option volume is 0 (no fresh flow confirmation), so sentiment read is dominated by existing positioning.
Volatility: IV 30d = 44.29 vs historical vol 35.24 (options priced a bit rich vs realized), but IV percentile 17.53 / IV rank 8.93 implies IV is low relative to its own history (options not “panic-priced”).
Open interest: todays_open_interest 7,462 with today vs OI avg 30D at 150% suggests elevated outstanding positioning even if today’s traded volume is quiet.
Recent earnings commentary from analysts highlights net interest margin expansion and improving credit trend.
Multiple price target raises post-Q4 (KBW to $40, DA Davidson to $39), implying potential upside if momentum persists.
Neutral hedge fund/insider trend suggests no strong distribution signal from these cohorts recently.
Neutral/Negative Catalysts
points to cautious sentiment/hedging overhead.
Financial Performance
Latest quarter: 2025/Q4.
Revenue: 115.805M, up +138.33% YoY (strong top-line growth).
Profitability: Net income 30.035M, down -237.57% YoY; EPS 0.68, down -225.93% YoY (sharp YoY deterioration in earnings power despite revenue growth).
Takeaway: mixed quality quarter—headline revenue strength, but earnings/EPS trend is the key negative and can limit multiple expansion without continued margin/credit improvement.
Growth
Profitability
Efficiency
Analyst Ratings and Price Target Trends
Recent direction (most recent first):
2026-01-23 Stephens: PT raised to $36 (from $33), rating kept at Equal Weight after “solid” Q4.
2026-01-22 DA Davidson: PT raised to $39, maintained Buy on Q4 beat and NIM expansion.
2026-01-22 Keefe Bruyette: PT raised to $40, maintained Outperform.
2025-12-16 Stephens: downgraded to Equal Weight from Overweight (valuation + scrutiny on rent-regulated exposure).
Wall Street pros: improving margin narrative, deposit franchise strength, and post-earnings PT increases.
Wall Street cons: valuation sensitivity after run-up and risk monitoring around multi-family/rent-regulated exposure; mixed stance evidenced by Stephens staying Equal Weight even after raising PT.
Wall Street analysts forecast DCOM stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for DCOM is 36.25 USD with a low forecast of 33 USD and a high forecast of 42 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
4 Analyst Rating
Wall Street analysts forecast DCOM stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for DCOM is 36.25 USD with a low forecast of 33 USD and a high forecast of 42 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Buy
1 Hold
0 Sell
Strong Buy
Current: 35.730
Low
33
Averages
36.25
High
42
Current: 35.730
Low
33
Averages
36.25
High
42
Stephens
Stephens
Equal Weight
maintain
$33 -> $36
AI Analysis
2026-01-23
Reason
Stephens
Stephens
Price Target
$33 -> $36
AI Analysis
2026-01-23
maintain
Equal Weight
Reason
Stephens raised the firm's price target on Dime Community to $36 from $33 and keeps an Equal Weight rating on the shares after Q4 earnings that the firm calls "solid." Following the report, the firm increased its 2026 and 2027 operating EPS estimates by 2% and 5%, respectively.
DA Davidson
Peter Winter
Buy
maintain
$37 -> $39
2026-01-22
Reason
DA Davidson
Peter Winter
Price Target
$37 -> $39
2026-01-22
maintain
Buy
Reason
DA Davidson analyst Peter Winter raised the firm's price target on Dime Community to $39 from $37 and keeps a Buy rating on the shares after its Q4 earnings beat. The company reported a strong quarter, led by solid net interest margin expansion and growth in excess cash, the analyst tells investors in a research note. The firm is also positive on the company's strong deposit franchise along with its solid improvement in credit trend.
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