GREENE COUNTY BANCORP INC (GCBC) Stock Fundamental Analysis
NASDAQ:GCBC • US3943571071
22.07 USD
-0.93 (-4.04%)
Last: Feb 27, 2026, 08:06 PM
Taking everything into account, GCBC scores 4 out of 10 in our fundamental rating. GCBC was compared to 379 industry peers in the Banks industry. GCBC has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
- GCBC had a positive operating cash flow in the past year.
- In the past 5 years GCBC has always been profitable.
- In the past 5 years GCBC always reported a positive cash flow from operatings.
1.2 Ratios
- GCBC's Return On Assets of 1.10% is fine compared to the rest of the industry. GCBC outperforms 70.18% of its industry peers.
- Looking at the Return On Equity, with a value of 13.60%, GCBC belongs to the top of the industry, outperforming 89.97% 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
- GCBC's Profit Margin of 42.19% is amongst the best of the industry. GCBC outperforms 96.57% of its industry peers.
- 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.
- GCBC has about the same amout of shares outstanding than it did 1 year ago.
- Compared to 5 years ago, GCBC has about the same amount of shares outstanding.
- 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 has a Debt to FCF ratio (1.57) which is comparable to the rest of the industry.
- 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 43.01% 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
WACC15.8%
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 38.73% over the past year.
- GCBC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.70% yearly.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 10.27, the valuation of GCBC can be described as reasonable.
- GCBC's Price/Earnings ratio is a bit cheaper when compared to the industry. GCBC is cheaper than 75.99% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.10. GCBC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.27 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- GCBC's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.81 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.96
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- GCBC has a Yearly Dividend Yield of 1.70%.
- Compared to an average industry Dividend Yield of 2.74, GCBC is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.80, GCBC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.7% |
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 their dividend for at least 10 years, which is a reliable track record.
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
NASDAQ:GCBC (2/27/2026, 8:06:37 PM)
22.07
-0.93 (-4.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28 2026-01-28
Earnings (Next)04-20 2026-04-20
Inst Owners14.55%
Inst Owner Change-3.42%
Ins Owners3.94%
Ins Owner Change2.83%
Market Cap375.85M
Revenue(TTM)84.26M
Net Income(TTM)33.75M
Analysts0
Price TargetN/A
Short Float %0.55%
Short Ratio2.78
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.7% |
Yearly Dividend0.26
Dividend Growth(5Y)14.87%
DP11.03%
Div Incr Years11
Div Non Decr Years22
Ex-Date02-13 2026-02-13 (0.1)
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 | 10.27 | ||
| Fwd PE | N/A | ||
| P/S | 4.7 | ||
| P/FCF | 11.81 | ||
| P/OCF | 11.47 | ||
| P/B | 1.51 | ||
| P/tB | 1.51 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.15
EY9.74%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.87
FCFY8.47%
OCF(TTM)1.92
OCFY8.72%
SpS4.7
BVpS14.57
TBVpS14.57
PEG (NY)N/A
PEG (5Y)0.96
Graham Number26.55
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
WACC15.8%
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 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.