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GREENE COUNTY BANCORP INC (GCBC) Stock Fundamental Analysis

NASDAQ:GCBC - Nasdaq - US3943571071 - Common Stock - Currency: USD

23  -0.12 (-0.52%)

Fundamental Rating

3

GCBC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. GCBC has a medium profitability rating, but doesn't score so well on its financial health evaluation. GCBC does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

GCBC had positive earnings in the past year.
In the past year GCBC had a positive cash flow from operations.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

1.2 Ratios

GCBC has a Return On Assets (0.89%) which is comparable to the rest of the industry.
GCBC's Return On Equity of 12.06% is amongst the best of the industry. GCBC outperforms 82.78% of its industry peers.
Industry RankSector Rank
ROA 0.89%
ROE 12.06%
ROIC N/A
ROA(3y)1.04%
ROA(5y)1.06%
ROE(3y)15.52%
ROE(5y)15.42%
ROIC(3y)N/A
ROIC(5y)N/A
GCBC Yearly ROA, ROE, ROICGCBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

The Profit Margin of GCBC (39.26%) is better than 94.68% of its industry peers.
In the last couple of years the Profit Margin of GCBC has remained more or less at the same level.
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) 39.26%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.06%
PM growth 5Y1.1%
GM growth 3YN/A
GM growth 5YN/A
GCBC Yearly Profit, Operating, Gross MarginsGCBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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3

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.
Compared to 5 years ago, GCBC has less shares outstanding
The debt/assets ratio for GCBC has been reduced compared to a year ago.
GCBC Yearly Shares OutstandingGCBC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
GCBC Yearly Total Debt VS Total AssetsGCBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.2 Solvency

The Debt to FCF ratio of GCBC is 2.17, which is a good value as it means it would take GCBC, 2.17 years of fcf income to pay off all of its debts.
GCBC has a Debt to FCF ratio of 2.17. This is comparable to the rest of the industry: GCBC outperforms 47.85% of its industry peers.
GCBC has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
GCBC has a worse Debt to Equity ratio (0.23) than 60.76% of its industry peers.
Even though the debt/equity ratio score it not favorable for GCBC, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 2.17
Altman-Z N/A
ROIC/WACCN/A
WACC15.89%
GCBC Yearly LT Debt VS Equity VS FCFGCBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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3

3. Growth

3.1 Past

GCBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.44%, which is quite good.
GCBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.36% yearly.
GCBC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.86%.
GCBC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.06% yearly.
EPS 1Y (TTM)16.44%
EPS 3Y1.05%
EPS 5Y7.36%
EPS Q2Q%37.42%
Revenue 1Y (TTM)8.86%
Revenue growth 3Y1.08%
Revenue growth 5Y6.06%
Sales Q2Q%27.76%

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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1

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 13.69 indicates a correct valuation of GCBC.
Based on the Price/Earnings ratio, GCBC is valued a bit more expensive than the industry average as 60.51% of the companies are valued more cheaply.
GCBC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.85.
Industry RankSector Rank
PE 13.69
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 indicates a slightly more expensive valuation: GCBC is more expensive than 67.09% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 17.1
EV/EBITDA N/A
GCBC Per share dataGCBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.86
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.59%, GCBC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.42, GCBC is paying slightly less dividend.
GCBC's Dividend Yield is slightly below the S&P500 average, which is at 2.40.
Industry RankSector Rank
Dividend Yield 1.59%

5.2 History

The dividend of GCBC is nicely growing with an annual growth rate of 9.80%!
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)9.8%
Div Incr Years11
Div Non Decr Years22
GCBC Yearly Dividends per shareGCBC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3

5.3 Sustainability

GCBC pays out 16.39% of its income as dividend. This is a sustainable payout ratio.
The dividend of GCBC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP16.39%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
GCBC Dividend Payout.GCBC Dividend Payout, showing the Payout Ratio.GCBC Dividend Payout.PayoutRetained Earnings

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GREENE COUNTY BANCORP INC

NASDAQ:GCBC (5/14/2025, 8:00:00 PM)

23

-0.12 (-0.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24
Earnings (Next)07-21 2025-07-21
Inst Owners15.42%
Inst Owner Change1.82%
Ins Owners4.93%
Ins Owner Change2.36%
Market Cap391.69M
Analysts0
Price TargetN/A
Short Float %0.69%
Short Ratio0.95
Dividend
Industry RankSector Rank
Dividend Yield 1.59%
Yearly Dividend0.19
Dividend Growth(5Y)9.8%
DP16.39%
Div Incr Years11
Div Non Decr Years22
Ex-Date05-16 2025-05-16 (0.09)
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 13.69
Fwd PE N/A
P/S 5.84
P/FCF 17.1
P/OCF 16.25
P/B 1.79
P/tB 1.79
EV/EBITDA N/A
EPS(TTM)1.68
EY7.3%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.35
FCFY5.85%
OCF(TTM)1.42
OCFY6.15%
SpS3.94
BVpS12.83
TBVpS12.83
PEG (NY)N/A
PEG (5Y)1.86
Profitability
Industry RankSector Rank
ROA 0.89%
ROE 12.06%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 39.26%
GM N/A
FCFM 34.15%
ROA(3y)1.04%
ROA(5y)1.06%
ROE(3y)15.52%
ROE(5y)15.42%
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 3Y0.06%
PM growth 5Y1.1%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 2.17
Debt/EBITDA N/A
Cap/Depr 118.18%
Cap/Sales 1.78%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 86.97%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC15.89%
ROIC/WACCN/A
Cap/Depr(3y)155.27%
Cap/Depr(5y)156.76%
Cap/Sales(3y)1.97%
Cap/Sales(5y)2%
Profit Quality(3y)101.11%
Profit Quality(5y)110.14%
High Growth Momentum
Growth
EPS 1Y (TTM)16.44%
EPS 3Y1.05%
EPS 5Y7.36%
EPS Q2Q%37.42%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.86%
Revenue growth 3Y1.08%
Revenue growth 5Y6.06%
Sales Q2Q%27.76%
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 1Y-25.42%
FCF growth 3Y-4.06%
FCF growth 5Y2.15%
OCF growth 1Y-24.73%
OCF growth 3Y-3.54%
OCF growth 5Y2.86%