24.61 USD
-0.11 (-0.44%)
24.61 USD
0 (0%)
GCBC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. There are concerns on the financial health of GCBC while its profitability can be described as average. 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.
In the past year GCBC had a positive cash flow from operations.
GCBC had positive earnings in each of the past 5 years.
In the past 5 years GCBC always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.10%, GCBC is in the better half of the industry, outperforming 71.32% of the companies in the same industry.
Looking at the Return On Equity, with a value of 13.60%, GCBC belongs to the top of the industry, outperforming 90.70% of the companies in the same industry.
| 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
The Profit Margin of GCBC (42.19%) is better than 96.64% 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) | 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.
GCBC has about the same amout of shares outstanding than it did 1 year ago.
GCBC has about the same amout of shares outstanding than it did 5 years ago.
GCBC has a better debt/assets ratio than last year.
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's Debt to FCF ratio of 1.57 is in line compared to the rest of the industry. GCBC outperforms 53.75% of its industry peers.
A Debt/Equity ratio of 0.20 indicates that GCBC is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.20, GCBC perfoms like the industry average, outperforming 42.38% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.57 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.36%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 37.39% 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.
Looking at the last year, GCBC shows a very strong growth in Revenue. The Revenue has grown by 23.02%.
GCBC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.10% yearly.
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
The Price/Earnings ratio is 12.43, which indicates a correct valuation of GCBC.
GCBC's Price/Earnings ratio is in line with the industry average.
GCBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.54.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.43 | ||
| 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 | 13.16 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.16
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
GCBC has a Yearly Dividend Yield of 1.73%. Purely for dividend investing, there may be better candidates out there.
GCBC's Dividend Yield is slightly below the industry average, which is at 3.11.
Compared to the average S&P500 Dividend Yield of 2.27, GCBC is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.73% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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
24.61
-0.11 (-0.44%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners14.65%
Inst Owner Change2.38%
Ins Owners3.94%
Ins Owner Change-29.77%
Market Cap419.11M
Revenue(TTM)79.99M
Net Income(TTM)33.75M
Analysts0
Price TargetN/A
Short Float %0.74%
Short Ratio4.08
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.73% |
Yearly Dividend0.26
Dividend Growth(5Y)14.87%
DP11.03%
Div Incr Years11
Div Non Decr Years22
Ex-Date
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 | 12.43 | ||
| Fwd PE | N/A | ||
| P/S | 5.24 | ||
| P/FCF | 13.16 | ||
| P/OCF | 12.79 | ||
| P/B | 1.69 | ||
| P/tB | 1.69 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.98
EY8.05%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.87
FCFY7.6%
OCF(TTM)1.92
OCFY7.82%
SpS4.7
BVpS14.57
TBVpS14.57
PEG (NY)N/A
PEG (5Y)1.16
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
WACC15.36%
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.
Can you provide the valuation status for GREENE COUNTY BANCORP INC?
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.
Can you provide the dividend sustainability for GCBC stock?
The dividend rating of GREENE COUNTY BANCORP INC (GCBC) is 5 / 10 and the dividend payout ratio is 11.03%.