GCBC Fundamental Analysis - GREENE COUNTY BANCORP INC

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to GCBC. GCBC was compared to 391 industry peers in the Banks industry. While GCBC is still in line with the averages on profitability rating, there are concerns on its financial health. GCBC has a expensive valuation and it also scores bad on growth.

Quickly go to:

1. Profitability

1.1 Basic Checks

GCBC had positive earnings in the past year.

GCBC had a positive operating cash flow in the past year.

Each year in the past 5 years GCBC has been profitable.

Each year in the past 5 years GCBC had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.02%, GCBC is in the better half of the industry, outperforming 66.50% of the companies in the same industry.

The Return On Equity of GCBC (13.04%) is better than 87.21% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.02%
ROE	13.04%
ROIC	N/A

ROA(3y)1.01%

ROA(5y)1.04%

ROE(3y)13.95%

ROE(5y)15.12%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of GCBC (41.32%) is better than 95.65% of its industry peers.

GCBC's Profit Margin has improved in the last couple of years.

The Operating Margin and Gross Margin are not available for GCBC so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	41.32%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y1.17%

PM growth 5Y3.36%

GM growth 3YN/A

GM growth 5YN/A

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

GCBC does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, GCBC has about the same amount of shares outstanding.

Compared to 5 years ago, GCBC has about the same amount of shares outstanding.

The debt/assets ratio for GCBC has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of GCBC is 1.83, which is an excellent value as it means it would take GCBC, only 1.83 years of fcf income to pay off all of its debts.

GCBC has a Debt to FCF ratio of 1.83. This is comparable to the rest of the industry: GCBC outperforms 50.64% of its industry peers.

A Debt/Equity ratio of 0.21 indicates that GCBC is not too dependend on debt financing.

GCBC's Debt to Equity ratio of 0.21 is in line compared to the rest of the industry. GCBC outperforms 40.92% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.21
Debt/FCF	1.83
Altman-Z	N/A

ROIC/WACCN/A

WACC15.86%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 25.70% over the past year.

Measured over the past years, GCBC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.70% on average per year.

GCBC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.13%.

Measured over the past years, GCBC shows a small growth in Revenue. The Revenue has been growing by 7.10% on average per year.

EPS 1Y (TTM)25.7%

EPS 3Y3.7%

EPS 5Y10.7%

EPS Q2Q%38.62%

Revenue 1Y (TTM)16.13%

Revenue growth 3Y2.41%

Revenue growth 5Y7.1%

Sales Q2Q%23.5%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

GCBC is valuated correctly with a Price/Earnings ratio of 12.35.

GCBC's Price/Earnings is on the same level as the industry average.

GCBC is valuated cheaply when we compare the Price/Earnings ratio to 27.69, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	12.35
Fwd PE	N/A

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of GCBC is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	14.1
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.15

EPS Next 2YN/A

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

GCBC has a Yearly Dividend Yield of 1.86%. Purely for dividend investing, there may be better candidates out there.

GCBC's Dividend Yield is slightly below the industry average, which is at 3.57.

GCBC's Dividend Yield is slightly below the S&P500 average, which is at 2.34.

		Industry Rank	Sector Rank
Dividend Yield	1.86%

5.2 History

The dividend of GCBC is nicely growing with an annual growth rate of 14.87%!

GCBC has paid a dividend for at least 10 years, which is a reliable track record.

GCBC has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)14.87%

Div Incr Years11

Div Non Decr Years22

5.3 Sustainability

14.37% of the earnings are spent on dividend by GCBC. This is a low number and sustainable payout ratio.

The dividend of GCBC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP14.37%

EPS Next 2YN/A

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

GREENE COUNTY BANCORP INC

NASDAQ:GCBC (10/21/2025, 10:43:27 AM)

22.6

+0.17 (+0.76%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-28 2025-07-28

Earnings (Next)10-28 2025-10-28

Inst Owners14.24%

Inst Owner Change0.02%

Ins Owners4.3%

Ins Owner Change-31.44%

Market Cap384.88M

Analysts0

Price TargetN/A

Short Float %0.49%

Short Ratio2.67

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.86%

Yearly Dividend0.26

Dividend Growth(5Y)14.87%

DP14.37%

Div Incr Years11

Div Non Decr Years22

Ex-Date08-15 2025-08-15 (0.1)

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	12.35
Fwd PE	N/A
P/S	5.11
P/FCF	14.1
P/OCF	13.76
P/B	1.61
P/tB	1.61
EV/EBITDA	N/A

EPS(TTM)1.83

EY8.1%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.6

FCFY7.09%

OCF(TTM)1.64

OCFY7.27%

SpS4.42

BVpS14.02

TBVpS14.02

PEG (NY)N/A

PEG (5Y)1.15

Profitability

		Industry Rank	Sector Rank
ROA	1.02%
ROE	13.04%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	41.32%
GM	N/A
FCFM	36.21%

ROA(3y)1.01%

ROA(5y)1.04%

ROE(3y)13.95%

ROE(5y)15.12%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y1.17%

PM growth 5Y3.36%

GM growth 3YN/A

GM growth 5YN/A

F-Score7

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0.21
Debt/FCF	1.83
Debt/EBITDA	N/A
Cap/Depr	64.88%
Cap/Sales	0.92%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	87.63%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC15.86%

ROIC/WACCN/A

Cap/Depr(3y)134.73%

Cap/Depr(5y)138.19%

Cap/Sales(3y)1.78%

Cap/Sales(5y)1.76%

Profit Quality(3y)89.47%

Profit Quality(5y)100.33%

High Growth Momentum

Growth

EPS 1Y (TTM)25.7%

EPS 3Y3.7%

EPS 5Y10.7%

EPS Q2Q%38.62%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)16.13%

Revenue growth 3Y2.41%

Revenue growth 5Y7.1%

Sales Q2Q%23.5%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y16.6%

FCF growth 3Y-7.34%

FCF growth 5Y1.28%

OCF growth 1Y12.33%

OCF growth 3Y-7.5%

OCF growth 5Y0.92%

GREENE COUNTY BANCORP INC (GCBC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens