GREENE COUNTY BANCORP INC (GCBC) Fundamental Analysis & Valuation

NASDAQ:GCBC • US3943571071

Current stock price

22.9 USD
+0.74 (+3.34%)
At close:
22.9 USD
0 (0%)
After Hours:

This GCBC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. GCBC Profitability Analysis

1.1 Basic Checks

  • GCBC had positive earnings in the past year.
  • GCBC had a positive operating cash flow in the past year.
  • In the past 5 years GCBC has always been profitable.
  • Each year in the past 5 years GCBC had a positive operating cash flow.
GCBC Yearly Net Income VS EBIT VS OCF VS FCFGCBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

1.2 Ratios

  • The Return On Assets of GCBC (1.16%) is better than 71.39% of its industry peers.
  • GCBC's Return On Equity of 14.15% is amongst the best of the industry. GCBC outperforms 90.81% of its industry peers.
Industry RankSector Rank
ROA 1.16%
ROE 14.15%
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
GCBC Yearly ROA, ROE, ROICGCBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 43.38%, GCBC belongs to the top of the industry, outperforming 97.11% of the companies in the same industry.
  • In the last couple of years the Profit Margin of GCBC has grown nicely.
  • GCBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 43.38%
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
GCBC Yearly Profit, Operating, Gross MarginsGCBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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3

2. GCBC Health Analysis

2.1 Basic Checks

  • GCBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for GCBC remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for GCBC remains at a similar level compared to 5 years ago.
  • Compared to 1 year ago, GCBC has an improved debt to assets ratio.
GCBC Yearly Shares OutstandingGCBC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
GCBC Yearly Total Debt VS Total AssetsGCBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • The Debt to FCF ratio of GCBC is 0.91, which is an excellent value as it means it would take GCBC, only 0.91 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of GCBC (0.91) is better than 70.08% of its industry peers.
  • GCBC has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
  • With a decent Debt to Equity ratio value of 0.12, GCBC is doing good in the industry, outperforming 62.47% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 0.91
Altman-Z N/A
ROIC/WACCN/A
WACC15.88%
GCBC Yearly LT Debt VS Equity VS FCFGCBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
GCBC Yearly Current Assets VS Current LiabilitesGCBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

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4

3. GCBC Growth Analysis

3.1 Past

  • GCBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 38.73%, 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 25.57%.
  • The Revenue has been growing slightly by 7.10% on average over the past years.
EPS 1Y (TTM)38.73%
EPS 3Y3.7%
EPS 5Y10.7%
EPS Q2Q%37.42%
Revenue 1Y (TTM)25.57%
Revenue growth 3Y2.41%
Revenue growth 5Y7.1%
Sales Q2Q%23.83%

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.
GCBC Yearly Revenue VS EstimatesGCBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

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2

4. GCBC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.65, the valuation of GCBC can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of GCBC indicates a somewhat cheap valuation: GCBC is cheaper than 70.34% of the companies listed in the same industry.
  • GCBC is valuated cheaply when we compare the Price/Earnings ratio to 25.23, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.65
Fwd PE N/A
GCBC Price Earnings VS Forward Price EarningsGCBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

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 RankSector Rank
P/FCF 11.84
EV/EBITDA N/A
GCBC Per share dataGCBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. GCBC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.81%, GCBC has a reasonable but not impressive dividend return.
  • GCBC's Dividend Yield is slightly below the industry average, which is at 2.80.
  • Compared to an average S&P500 Dividend Yield of 1.89, GCBC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.81%

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
GCBC Yearly Dividends per shareGCBC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3

5.3 Sustainability

  • 8.13% 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.
DP8.13%
EPS Next 2YN/A
EPS Next 3YN/A
GCBC Yearly Income VS Free CF VS DividendGCBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
GCBC Dividend Payout.GCBC Dividend Payout, showing the Payout Ratio.GCBC Dividend Payout.PayoutRetained Earnings

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GCBC Fundamentals: All Metrics, Ratios and Statistics

GREENE COUNTY BANCORP INC

NASDAQ:GCBC (3/20/2026, 8:00:01 PM)

After market: 22.9 0 (0%)

22.9

+0.74 (+3.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-20
Inst Owners14.26%
Inst Owner Change-3.34%
Ins Owners3.94%
Ins Owner Change3.15%
Market Cap389.99M
Revenue(TTM)84.26M
Net Income(TTM)36.55M
Analysts0
Price TargetN/A
Short Float %0.51%
Short Ratio3.16
Dividend
Industry RankSector Rank
Dividend Yield 1.81%
Yearly Dividend0.26
Dividend Growth(5Y)14.87%
DP8.13%
Div Incr Years11
Div Non Decr Years22
Ex-Date02-13
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 RankSector Rank
PE 10.65
Fwd PE N/A
P/S 4.63
P/FCF 11.84
P/OCF 11.51
P/B 1.51
P/tB 1.51
EV/EBITDA N/A
EPS(TTM)2.15
EY9.39%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.93
FCFY8.44%
OCF(TTM)1.99
OCFY8.69%
SpS4.95
BVpS15.17
TBVpS15.17
PEG (NY)N/A
PEG (5Y)1
Graham Number27.09
Profitability
Industry RankSector Rank
ROA 1.16%
ROE 14.15%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 43.38%
GM N/A
FCFM 39.08%
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 RankSector Rank
Debt/Equity 0.12
Debt/FCF 0.91
Debt/EBITDA N/A
Cap/Depr 88.08%
Cap/Sales 1.15%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 90.09%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC15.88%
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)38.73%
EPS 3Y3.7%
EPS 5Y10.7%
EPS Q2Q%37.42%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)25.57%
Revenue growth 3Y2.41%
Revenue growth 5Y7.1%
Sales Q2Q%23.83%
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 1Y33.5%
FCF growth 3Y-7.34%
FCF growth 5Y1.28%
OCF growth 1Y28.74%
OCF growth 3Y-7.5%
OCF growth 5Y0.92%

GREENE COUNTY BANCORP INC / GCBC Fundamental Analysis 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.