• Dime Community Bancshares, Inc. (NASDAQ:DCOM) is not generating returns that exceed its cost of capital, with a ROIC to WACC ratio of 0.137.
• Comparative analysis shows CVB Financial Corp. (CVBF) and City Holding Company (CHCO) as more efficient in generating returns than DCOM.
• Flushing Financial Corporation (FFIC), Brookline Bancorp (BRKL), and OceanFirst Financial Corp. (OCFC) also demonstrate inefficiencies with negative ROIC to WACC ratios.

Dime Community Bancshares, Inc. (NASDAQ:DCOM) is a financial institution that provides a range of banking services. It operates primarily in the New York metropolitan area, offering personal and business banking products. The company competes with other regional banks like Flushing Financial Corporation, Brookline Bancorp, OceanFirst Financial Corp., CVB Financial Corp., and City Holding Company.

In evaluating DCOM's financial efficiency, the Return on Invested Capital (ROIC) is 2.15%, while the Weighted Average Cost of Capital (WACC) is 15.71%. This results in a ROIC to WACC ratio of 0.137. This ratio indicates that DCOM is not generating returns that exceed its cost of capital, which is a concern for investors seeking efficient capital use.

Comparatively, Flushing Financial Corporation (FFIC) has a negative ROIC of -12.80% and a WACC of 16.70%, leading to a ROIC to WACC ratio of -0.767. This suggests FFIC is even less efficient than DCOM in generating returns. Similarly, Brookline Bancorp (BRKL) and OceanFirst Financial Corp. (OCFC) also show negative ROIC to WACC ratios of -0.082 and 0.012, respectively, indicating inefficiencies.

On the other hand, CVB Financial Corp. (CVBF) and City Holding Company (CHCO) demonstrate more favorable ratios. CVBF has a ROIC of 5.15% against a WACC of 9.05%, resulting in a ratio of 0.570. CHCO stands out with a ROIC of 18.41% and a WACC of 7.79%, achieving a ratio of 2.361. These figures suggest that both CVBF and CHCO are more efficient in generating returns compared to DCOM.