Stock fact sheet · data as of
Dime Commercial Bancshares, Inc. (DCBG): fair value, margin of safety and Wheel Score
Ticker symbol DCBG · Financial Services · Banks - Regional · United States · Value Income
Is DCBG undervalued?
DCBG has a margin of safety of 60%: the stock closed at 26.29 on 5 Nov 2026 against a GLS average fair value of 65.88. 2 of the 3 valuation models that produced a number sit above the price. Our scans treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
Only 3 of the nine models produced a value (DCF, 10 Cap, DDM); the others need a dividend, positive free cash flow or positive book value the company does not have yet, so the average rests on a narrow base.
Ranked against every other company we cover, DCBG is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 80, growth score 2, out of 100). It also carries the Income tag (Income = a dividend yield of 4% or more).
Nine valuation models for DCBG
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 97.41 | +271% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | - | - | The most a defensive investor pays for the earnings and book value per share; no value tonight |
| Graham Growth | - | - | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields; no value tonight |
| Lynch | - | - | EPS × the earnings growth rate (PEG of 1), growth capped at 25%; no value tonight |
| GLS Growth | - | - | EPS compounded ten years at the blended growth rate, discounted back at 15% a year; no value tonight |
| 10 Cap | 83.66 | +218% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | 16.57 | -37% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | - | - | Earnings power value: current EPS capitalised at 9% with no growth; no value tonight |
| Zombie (liquidation) | -242.73 | -1023% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
No Piotroski health score is on file for DCBG (the statements it needs were not available), so the Health part of the Wheel Score counts it at half marks - 10 of 20 - rather than marking the stock down for missing data. The GLS Moat score is 5.0 out of 10: a record that is solid on some of the four parts the score weighs (returns on capital, pricing power, lasting growth, balance sheet) and weaker on others.
Returns on capital are moderate - ROIC 7.5%, ROE 7.5%, ROA 0.7% - with debt at 0.00 times equity and a free-cash-flow yield of 13.3%.
The dividend yield is high at 4.28% (payout ratio 19%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | - / 9 | ROIC | 7.5% |
|---|---|---|---|
| GLS Moat | 5.0 / 10 | ROE | 7.5% |
| Debt / equity | 0.00 | ROA | 0.7% |
| Free-cash-flow yield | 13.3% | Payout ratio | 19% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 31: No options
DCBG has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (31 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 1k shares a day on a market cap of $1.2B, with a beta of 0.00 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Passes | Market cap $1 billion or more |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 60% below fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 5.0/10 | |
| Health | Fair | no Piotroski score on file - half marks | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.00, $1.2B company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for DCBG in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Dime Commercial Bancshares, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| WTBFB W.T.B. Financial Corporation | 461.18 | 520.63 | +11% | 27No options | $1.2B |
| UVSP Univest Financial Corporation | 41.49 | 48.94 | +15% | 71Good | $1.1B |
| AMTB Amerant Bancorp Inc. | 30.07 | 49.07 | +39% | 48Weak | $1.2B |
| HFWA Heritage Financial Corporation | 29.18 | 48.18 | +39% | 50Fair | $1.2B |
| FMBL Farmers & Merchants Bank of Long Beach | 9,850.00 | 9,205.09 | -7% | 19No options | $1.2B |
| NBN Northeast Bank | 130.69 | 254.86 | +49% | 33No options | $1.1B |
| FSBC Five Star Bancorp | 45.29 | 51.23 | +12% | 41Weak | $1.1B |
| HBNC Horizon Bancorp, Inc. | 21.44 | 23.72 | +10% | 36Weak | $1.1B |
| MCB Metropolitan Bank Holding Corp. | 97.68 | 153.79 | +36% | 45Weak | $1.2B |
| CCNE CNB Financial Corporation | 36.78 | 43.64 | +16% | 42Weak | $1.1B |
| CFFN Capitol Federal Financial, Inc. | 8.78 | 17.07 | +49% | 47Weak | $1.1B |
| BFST Business First Bancshares, Inc. | 32.98 | 42.93 | +23% | 45Weak | $1.1B |
⚖ Compare DCBG with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about DCBG
Is DCBG undervalued right now?
By the GLS models, yes: at 26.29 the stock is 60% below the average fair value of 65.88 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of DCBG and what does it mean?
DCBG has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for DCBG?
65.88 per share as of 5 Nov 2026 - the simple average of the 3 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Dime Commercial Bancshares, Inc. report earnings next?
No upcoming earnings date is recorded for DCBG in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does DCBG have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on DCBG, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.