GREENE COUNTY BANCORP INC (GCBC) Stock Fundamental Analysis
USA - NASDAQ:GCBC - US3943571071 - Common Stock
22.2 USD
+0.12 (+0.54%)
Overall GCBC gets a fundamental rating of 4 out of 10. We evaluated GCBC against 388 industry peers in the Banks industry. There are concerns on the financial health of GCBC while its profitability can be described as average. While showing a medium growth rate, GCBC is valued expensive at the moment.
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.
GCBC had positive earnings in each of the past 5 years.
In the past 5 years GCBC always reported a positive cash flow from operatings.
1.2 Ratios
GCBC's Return On Assets of 1.02% is fine compared to the rest of the industry. GCBC outperforms 65.98% of its industry peers.
With an excellent Return On Equity value of 13.04%, GCBC belongs to the best of the industry, outperforming 86.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.02% | ||
| ROE | 13.04% | ||
| 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 has a Profit Margin of 41.32%. This is amongst the best in the industry. GCBC outperforms 95.36% of its industry peers.
GCBC's Profit Margin has improved in the last couple of years.
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) | 41.32% | ||
| 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.
GCBC has a better debt/assets ratio than last year.
2.2 Solvency
GCBC has a debt to FCF ratio of 1.83. This is a very positive value and a sign of high solvency as it would only need 1.83 years to pay back of all of its debts.
GCBC has a Debt to FCF ratio of 1.83. This is comparable to the rest of the industry: GCBC outperforms 50.77% of its industry peers.
A Debt/Equity ratio of 0.21 indicates that GCBC is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.21, GCBC is in line with its industry, outperforming 41.49% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 1.83 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.85%
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 37.39% over the past year.
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
A Price/Earnings ratio of 11.21 indicates a reasonable valuation of GCBC.
Compared to the rest of the industry, the Price/Earnings ratio of GCBC is on the same level as its industry peers.
When comparing the Price/Earnings ratio of GCBC to the average of the S&P500 Index (25.47), we can say GCBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.21 | ||
| Fwd PE | N/A |
4.2 Price Multiples
GCBC's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.86 | ||
| 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 1.81%, GCBC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.39, GCBC is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.44, GCBC is paying slightly less dividend.
| Industry Rank | Sector 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 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
14.37% 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.
DP14.37%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:GCBC (11/20/2025, 11:12:53 AM)
22.2
+0.12 (+0.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners14.24%
Inst Owner Change2.38%
Ins Owners4.3%
Ins Owner Change-61.98%
Market Cap378.07M
Revenue(TTM)79.99M
Net Income(TTM)31.14M
Analysts0
Price TargetN/A
Short Float %0.72%
Short Ratio3.79
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.81% |
Yearly Dividend0.26
Dividend Growth(5Y)14.87%
DP14.37%
Div Incr Years11
Div Non Decr Years22
Ex-Date
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 | 11.21 | ||
| Fwd PE | N/A | ||
| P/S | 5.02 | ||
| P/FCF | 13.86 | ||
| P/OCF | 13.51 | ||
| P/B | 1.58 | ||
| P/tB | 1.58 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.98
EY8.92%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.6
FCFY7.22%
OCF(TTM)1.64
OCFY7.4%
SpS4.42
BVpS14.02
TBVpS14.02
PEG (NY)N/A
PEG (5Y)1.05
Graham Number25
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.02% | ||
| ROE | 13.04% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 41.32% | ||
| GM | N/A | ||
| FCFM | 36.21% |
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 Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 1.83 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 64.88% | ||
| Cap/Sales | 0.92% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 87.63% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC15.85%
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 1Y16.6%
FCF growth 3Y-7.34%
FCF growth 5Y1.28%
OCF growth 1Y12.33%
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.
Can you provide the valuation status for GREENE COUNTY BANCORP INC?
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.
Can you provide the dividend sustainability for GCBC stock?
The dividend rating of GREENE COUNTY BANCORP INC (GCBC) is 5 / 10 and the dividend payout ratio is 14.37%.