OTC · Banks - Regional

Dimeco, Inc. (DIMC) Stock

$56.00 +0.00% OTC: DIMC Financial Services

Dimeco, Inc. functions as the parent company for The Dime Bank, offering a comprehensive suite of financial products and services to both individual consumers and businesses across the United States.

Valuation

MetricValue
Price$56.00
Market Cap$142.43M
P/E Ratio7.84
P/B Ratio1.11
P/S Ratio1.86
EPS (TTM)$7.14
52-Week High$57.00
52-Week Low$36.10
Dividend Yield3.21%

Financials & Margins

MetricValue
ROE14.88%
ROA1.58%
ROCE13.56%
Gross Margin69.17%
Operating Margin29.16%
Net Margin23.68%
Debt/Equity0.17
Current Ratio0.02

Annual Financials (USD)

Metric20212022202320242025
Revenue$41.0M$43.0M$54.0M$66.0M$75.0M
Operating Profit$14.0M$15.0M$13.0M$21.0M$20.0M
Net Profit$12.0M$12.0M$11.0M$13.0M$17.0M
EPS$4.73$4.85$4.27$5.11$6.52
Op Margin34.4%34.6%24.1%32.3%27.3%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$958.0M$970.0M$990.0M$1.1B$1.2B
Total Liabilities$857.0M$882.0M$891.0M$973.0M$1.0B
Cash$29.0M$8.0M$9.0M$18.0M$53.0M
Borrowings$47.0M$80.0M$50.0M$48.0M$43.0M

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$13.0M$14.0M$13.0M$14.0M$20.0M
Investing Cash Flow$-77.0M$-60.0M$-17.0M$-82.0M$-44.0M
Financing Cash Flow$111.0M$-10.0M$38.0M$84.0M$67.0M
Net Cash Flow$3.0M$-21.0M$1.0M$9.0M$0
Free Cash Flow$10.0M$8.0M$12.0M$14.0M$20.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.26
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y59.92%
Return 3Y96.06%
Return 5Y96.14%

Ownership

Insiders Held0.00%
Institutions Held0.78%
Institutions Float Held0.78%
Institutional HolderSharesReport Date
Siena Capital Partners GP, LLC19,7332026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AMBKAmerican Bank Incorporated $22.43 +3.22% 9.35 $142.14M 2.85%
BNCCBNCCORP, Inc. $36.07 +0.75% 13.93 $126.97M 0.00%
CHBHCroghan Bancshares, Inc. $61.51 +0.00% 9.55 $123.92M 3.97%
CWBKCW Bancorp $43.99 +0.00% 10.11 $128.90M 2.09%
FFDFFFD Financial Corporation $45.45 +0.00% 9.35 $134.03M 2.99%

About Dimeco, Inc.

Dimeco, Inc. functions as the parent company for The Dime Bank, offering a comprehensive suite of financial products and services to both individual consumers and businesses across the United States. The institution facilitates diverse deposit options, including checking, savings, and individual retirement accounts (IRAs), as well as certificates of deposit (CDs). Its extensive lending portfolio encompasses various types of loans such as consumer, mortgage, construction, home equity, student, business term, vehicle, equipment, and capital improvement loans, in addition to commercial real estate financing. The bank also provides business lines of credit and acquisition financing, alongside general investment services. Beyond traditional banking, Dimeco offers wealth management solutions and specialized business services, including cash management, remote deposit capture, and merchant services. Customers benefit from modern digital conveniences like online and mobile banking platforms, bill payment, mobile deposit capabilities, funds transfer services, and e-statements, complemented by a range of debit and credit card options. Established in 1905, Dimeco, Inc. is headquartered in Honesdale, Pennsylvania, and maintains seven operational branches located throughout northeastern Pennsylvania.

Dimeco, Inc. is headquartered in US.

Dimeco, Inc. (DIMC) stock trades at $56.00 with a market capitalization of $142.43M. The stock is valued at a price-to-earnings (P/E) ratio of 7.84, price-to-book of 1.11, price-to-sales of 1.86. Over the past 52 weeks the stock has ranged between $36.10 and $57.00, and currently trades 1.8% below its 52-week high. It pays a dividend yielding 3.21%.

On profitability, Dimeco, Inc. generates a return on equity (ROE) of 14.88%, above the typical market average, return on capital employed of 13.56%, an operating margin of 29.16%, a net profit margin of 23.68%.

Official website: www.thedime.bank

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