DIMC

Dimeco, Inc.

Financial Services · $163M market cap

Is DIMC undervalued?

Share price

$64.00

as of Oct 22, 2026

Fair value

$106.63

Sticker Price

Payback Price

$42.65

buy price

Undervalued

DIMC is Undervalued: at $64.00 it trades 40% below its fair value of $106.63. Its buy price (Payback Price) is $42.65, 33% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth5.9% a year✗
Equity per share growth5.5% a year✗
Sales growth4.3% a year✗
Free cash flow growth5.4% a year✗
Return on invested capital5.9%✗

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Questions about DIMC

What is DIMC's fair value?

$106.63 as of Oct 22, 2026, worked out with the Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

At what price would DIMC be a buy?

At or below its buy price of $42.65, a 60% margin of safety below its fair value.

Is DIMC undervalued right now?

DIMC is Undervalued: at $64.00 it trades 40% below its fair value and 50% above its buy price.

How can I check DIMC's value myself?

Use the free Sticker Price calculator, already filled with DIMC's numbers. Change the growth, P/E or required return and see what you'd pay. Open the calculator →

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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.

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of Oct 22, 2026. How the Payback Price works