GREENE COUNTY BANCORP INC (GCBC) Stock Fundamental Analysis
USA - NASDAQ:GCBC - US3943571071 - Common Stock
22.55 USD
-0.29 (-1.27%)
22.55 USD
0 (0%)
Overall GCBC gets a fundamental rating of 4 out of 10. We evaluated GCBC against 390 industry peers in the Banks industry. While GCBC is still in line with the averages on profitability rating, there are concerns on its financial health. GCBC is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
GCBC had positive earnings in the past year.
GCBC had a positive operating cash flow in the past year.
Each year in the past 5 years GCBC has been profitable.
Each year in the past 5 years GCBC had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.02%, GCBC is in the better half of the industry, outperforming 66.41% of the companies in the same industry.
GCBC has a Return On Equity of 13.04%. This is amongst the best in the industry. GCBC outperforms 87.18% of its industry peers.
| 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 95.64% of its industry peers.
In the last couple of years the Profit Margin of GCBC has grown nicely.
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) | 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.
Compared to 1 year ago, GCBC has about the same amount of shares outstanding.
GCBC has about the same amout of shares outstanding than it did 5 years ago.
GCBC has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of GCBC is 1.83, which is an excellent value as it means it would take GCBC, only 1.83 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of GCBC (1.83) is comparable to the rest of the industry.
GCBC has a Debt/Equity ratio of 0.21. This is a healthy value indicating a solid balance between debt and equity.
GCBC's Debt to Equity ratio of 0.21 is in line compared to the rest of the industry. GCBC outperforms 41.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 1.83 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.73%
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 25.70% over the past year.
Measured over the past years, GCBC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.70% on average per year.
GCBC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.13%.
Measured over the past years, GCBC shows a small growth in Revenue. The Revenue has been growing by 7.10% on average per year.
EPS 1Y (TTM)25.7%
EPS 3Y3.7%
EPS 5Y10.7%
EPS Q2Q%38.62%
Revenue 1Y (TTM)16.13%
Revenue growth 3Y2.41%
Revenue growth 5Y7.1%
Sales Q2Q%23.5%
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 12.32, the valuation of GCBC can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of GCBC is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 27.08, GCBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.32 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of GCBC is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.07 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.15
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
GCBC has a Yearly Dividend Yield of 1.84%. Purely for dividend investing, there may be better candidates out there.
GCBC's Dividend Yield is slightly below the industry average, which is at 3.50.
Compared to an average S&P500 Dividend Yield of 2.30, GCBC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.84% |
5.2 History
The dividend of GCBC is nicely growing with an annual growth rate of 14.87%!
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)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
22.55
-0.29 (-1.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners14.24%
Inst Owner Change-0.24%
Ins Owners4.3%
Ins Owner Change-29.94%
Market Cap384.03M
Revenue(TTM)75.35M
Net Income(TTM)31.14M
Analysts0
Price TargetN/A
Short Float %0.63%
Short Ratio3.37
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.84% |
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 | 12.32 | ||
| Fwd PE | N/A | ||
| P/S | 5.1 | ||
| P/FCF | 14.07 | ||
| P/OCF | 13.73 | ||
| P/B | 1.61 | ||
| P/tB | 1.61 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.83
EY8.12%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.6
FCFY7.11%
OCF(TTM)1.64
OCFY7.29%
SpS4.42
BVpS14.02
TBVpS14.02
PEG (NY)N/A
PEG (5Y)1.15
Graham Number24.03
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
WACC15.73%
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)25.7%
EPS 3Y3.7%
EPS 5Y10.7%
EPS Q2Q%38.62%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.13%
Revenue growth 3Y2.41%
Revenue growth 5Y7.1%
Sales Q2Q%23.5%
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%.