22.24 USD
-0.01 (-0.04%)
Taking everything into account, GCBC scores 4 out of 10 in our fundamental rating. GCBC was compared to 383 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. While showing a medium growth rate, GCBC is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year GCBC was profitable.
GCBC had a positive operating cash flow in the past year.
In the past 5 years GCBC has always been profitable.
GCBC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
GCBC has a Return On Assets of 1.10%. This is in the better half of the industry: GCBC outperforms 71.32% of its industry peers.
GCBC's Return On Equity of 13.60% is amongst the best of the industry. GCBC outperforms 90.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.1% | ||
| ROE | 13.6% | ||
| 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
With an excellent Profit Margin value of 42.19%, GCBC belongs to the best of the industry, outperforming 96.64% of the companies in the same industry.
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) | 42.19% | ||
| 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
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.
The number of shares outstanding for GCBC remains at a similar level compared to 5 years ago.
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 1.57, which is an excellent value as it means it would take GCBC, only 1.57 years of fcf income to pay off all of its debts.
GCBC has a Debt to FCF ratio (1.57) which is comparable to the rest of the industry.
GCBC has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
GCBC's Debt to Equity ratio of 0.20 is in line compared to the rest of the industry. GCBC outperforms 42.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.57 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.91%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
GCBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 37.39%, which is quite impressive.
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 a strong growth in Revenue. In the last year, the Revenue has grown by 23.02%.
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)37.39%
EPS 3Y3.7%
EPS 5Y10.7%
EPS Q2Q%41.66%
Revenue 1Y (TTM)23.02%
Revenue growth 3Y2.41%
Revenue growth 5Y7.1%
Sales Q2Q%27.46%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.23, the valuation of GCBC can be described as reasonable.
Based on the Price/Earnings ratio, GCBC is valued a bit cheaper than the industry average as 67.18% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.19, GCBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.23 | ||
| Fwd PE | N/A |
4.2 Price Multiples
GCBC's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.9 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.05
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
GCBC has a Yearly Dividend Yield of 1.80%.
GCBC's Dividend Yield is slightly below the industry average, which is at 2.90.
GCBC's Dividend Yield is comparable with the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.8% |
5.2 History
On average, the dividend of GCBC grows each year by 14.87%, which is quite nice.
GCBC has been paying a dividend for at least 10 years, so it has 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
11.03% of the earnings are spent on dividend by GCBC. This is a low number and sustainable payout ratio.
GCBC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP11.03%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:GCBC (1/9/2026, 8:00:01 PM)
22.24
-0.01 (-0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners14.55%
Inst Owner Change0%
Ins Owners3.94%
Ins Owner Change2.83%
Market Cap378.75M
Revenue(TTM)79.99M
Net Income(TTM)33.75M
Analysts0
Price TargetN/A
Short Float %0.84%
Short Ratio4.53
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.8% |
Yearly Dividend0.26
Dividend Growth(5Y)14.87%
DP11.03%
Div Incr Years11
Div Non Decr Years22
Ex-DateN/A
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 | 11.23 | ||
| Fwd PE | N/A | ||
| P/S | 4.74 | ||
| P/FCF | 11.9 | ||
| P/OCF | 11.55 | ||
| P/B | 1.53 | ||
| P/tB | 1.53 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.98
EY8.9%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.87
FCFY8.41%
OCF(TTM)1.92
OCFY8.65%
SpS4.7
BVpS14.57
TBVpS14.57
PEG (NY)N/A
PEG (5Y)1.05
Graham Number25.48
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.1% | ||
| ROE | 13.6% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 42.19% | ||
| GM | N/A | ||
| FCFM | 39.8% |
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
ROICexgc growth 3YN/A
ROICexgc 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 Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.57 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 86.8% | ||
| Cap/Sales | 1.18% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 94.34% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC15.91%
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)37.39%
EPS 3Y3.7%
EPS 5Y10.7%
EPS Q2Q%41.66%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)23.02%
Revenue growth 3Y2.41%
Revenue growth 5Y7.1%
Sales Q2Q%27.46%
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 1Y13.26%
FCF growth 3Y-7.34%
FCF growth 5Y1.28%
OCF growth 1Y9.37%
OCF growth 3Y-7.5%
OCF growth 5Y0.92%
GREENE COUNTY BANCORP INC / GCBC FAQ
What is the ChartMill fundamental rating of GREENE COUNTY BANCORP INC (GCBC) stock?
ChartMill assigns a fundamental rating of 4 / 10 to GCBC.
What is the valuation status of GREENE COUNTY BANCORP INC (GCBC) stock?
ChartMill assigns a valuation rating of 2 / 10 to GREENE COUNTY BANCORP INC (GCBC). This can be considered as Overvalued.
What is the profitability of GCBC stock?
GREENE COUNTY BANCORP INC (GCBC) has a profitability rating of 5 / 10.
How financially healthy is GREENE COUNTY BANCORP INC?
The financial health rating of GREENE COUNTY BANCORP INC (GCBC) is 3 / 10.