22.25 USD
+0.54 (+2.49%)
22.25 USD
0 (0%)
Taking everything into account, GCBC scores 4 out of 10 in our fundamental rating. GCBC was compared to 387 industry peers in the Banks industry. GCBC has a medium profitability rating, but doesn't score so well on its financial health evaluation. GCBC is quite expensive at the moment. It does show a decent growth rate.
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.
Each year in the past 5 years GCBC has been profitable.
In the past 5 years GCBC always reported a positive cash flow from operatings.
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 has a better Return On Equity (13.60%) than 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.
In the last couple of years the Profit Margin of GCBC has grown nicely.
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.
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.
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.
Looking at the Debt to FCF ratio, with a value of 1.57, GCBC is in line with its industry, outperforming 54.26% of the companies in the same industry.
A Debt/Equity ratio of 0.20 indicates that GCBC is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.20, GCBC is in line with its industry, outperforming 42.89% 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
WACC15.9%
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.
The Earnings Per Share has been growing by 10.70% on average over the past years. This is quite good.
The Revenue has grown by 23.02% in the past year. This is a very strong growth!
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 11.24, which indicates a very decent valuation of GCBC.
Based on the Price/Earnings ratio, GCBC is valued a bit cheaper than the industry average as 68.22% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of GCBC to the average of the S&P500 Index (27.00), we can say GCBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.24 | ||
| Fwd PE | N/A |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as GCBC.
| 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
With a Yearly Dividend Yield of 1.80%, GCBC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.78, GCBC is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 1.94, GCBC has a dividend comparable with the average S&P500 company.
| 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 paid a dividend for at least 10 years, which is 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
22.25
+0.54 (+2.49%)
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 Cap378.92M
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 | 11.24 | ||
| Fwd PE | N/A | ||
| P/S | 4.74 | ||
| P/FCF | 11.9 | ||
| P/OCF | 11.56 | ||
| 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
FCFY8.4%
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
WACC15.9%
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.