GREENE COUNTY BANCORP INC (GCBC)
US3943571071 - Common Stock
We assign a fundamental rating of 3 out of 10 to GCBC. GCBC was compared to 412 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.
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.
1.2 Ratios
With a decent Return On Assets value of 0.98%, GCBC is doing good in the industry, outperforming 60.68% of the companies in the same industry.
GCBC has a better Return On Equity (13.69%) than 86.17% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.98% | ||
| ROE | 13.69% | ||
| ROIC | N/A |
ROA(3y)1.11%
ROA(5y)1.16%
ROE(3y)16.85%
ROE(5y)16.13%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
GCBC's Profit Margin of 39.17% is amongst the best of the industry. GCBC outperforms 93.93% of its industry peers.
GCBC's Profit Margin has improved in the last couple of years.
GCBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 39.17% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.21%
PM growth 5Y4.3%
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.
Compared to 5 years ago, GCBC has less shares outstanding
GCBC has a better debt/assets ratio than last year.
2.2 Solvency
GCBC has a debt to FCF ratio of 2.01. This is a good value and a sign of high solvency as GCBC would need 2.01 years to pay back of all of its debts.
GCBC has a Debt to FCF ratio (2.01) which is comparable to the rest of the industry.
GCBC has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
GCBC has a Debt to Equity ratio of 0.25. This is comparable to the rest of the industry: GCBC outperforms 46.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 2.01 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.05%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for GCBC have decreased strongly by -11.01% in the last year.
Measured over the past years, GCBC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.87% on average per year.
Looking at the last year, GCBC shows a decrease in Revenue. The Revenue has decreased by -6.40% in the last year.
Measured over the past years, GCBC shows a quite strong growth in Revenue. The Revenue has been growing by 11.60% on average per year.
EPS 1Y (TTM)-11.01%
EPS 3Y18.06%
EPS 5Y16.87%
EPS growth Q2Q-60%
Revenue 1Y (TTM)-6.4%
Revenue growth 3Y11.12%
Revenue growth 5Y11.6%
Revenue growth Q2Q-15.7%
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 19.57, the valuation of GCBC can be described as rather expensive.
GCBC's Price/Earnings ratio is rather expensive when compared to the industry. GCBC is more expensive than 85.92% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.06, GCBC is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.57 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GCBC is valued a bit more expensive than 79.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.35 | ||
| 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 1.09%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.84, GCBC's dividend is way lower than its industry peers. On top of this 83.98% of the companies listed in the same industry pay a better dividend than GCBC!
With a Dividend Yield of 1.09, GCBC pays less dividend than the S&P500 average, which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.09% |
5.2 History
The dividend of GCBC is nicely growing with an annual growth rate of 7.50%!
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)7.5%
Div Incr Years10
Div Non Decr Years12
5.3 Sustainability
11.53% of the earnings are spent on dividend by GCBC. This is a low number and sustainable payout ratio.
GCBC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP11.53%
EPS Next 2YN/A
EPS Next 3YN/A
GREENE COUNTY BANCORP INC
NASDAQ:GCBC (5/2/2024, 7:00:00 PM)
After market: 30.92 0 (0%)30.92
+0.67 (+2.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap526.57M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.09% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.57 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.16
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.98% | ||
| ROE | 13.69% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 39.17% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-11.01%
EPS 3Y18.06%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-6.4%
Revenue growth 3Y11.12%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y