GCBC Fundamental Analysis - GREENE COUNTY BANCORP INC

Fundamental Rating

Overall GCBC gets a fundamental rating of 3 out of 10. We evaluated GCBC against 395 industry peers in the Banks industry. There are concerns on the financial health of GCBC while its profitability can be described as average. GCBC has a expensive valuation and it also scores bad on growth.

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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

GCBC has a better Return On Assets (0.95%) than 61.77% of its industry peers.

Looking at the Return On Equity, with a value of 12.46%, GCBC belongs to the top of the industry, outperforming 84.81% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.95%
ROE	12.46%
ROIC	N/A

ROA(3y)1.04%

ROA(5y)1.06%

ROE(3y)15.52%

ROE(5y)15.42%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

GCBC has a Profit Margin of 39.93%. This is amongst the best in the industry. GCBC outperforms 95.44% of its industry peers.

GCBC's Profit Margin has been stable 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)	39.93%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y0.06%

PM growth 5Y1.1%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The number of shares outstanding for GCBC has been reduced compared to 5 years ago.

Compared to 1 year ago, GCBC has an improved debt to assets ratio.

2.2 Solvency

GCBC has a debt to FCF ratio of 1.97. This is a very positive value and a sign of high solvency as it would only need 1.97 years to pay back of all of its debts.

The Debt to FCF ratio of GCBC (1.97) is comparable to the rest of the industry.

GCBC has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.

GCBC has a worse Debt to Equity ratio (0.22) than 60.51% of its industry peers.

Although GCBC does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.

		Industry Rank	Sector Rank
Debt/Equity	0.22
Debt/FCF	1.97
Altman-Z	N/A

ROIC/WACCN/A

WACC16.17%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 16.44% over the past year.

Measured over the past 5 years, GCBC shows a small growth in Earnings Per Share. The EPS has been growing by 7.36% on average per year.

Looking at the last year, GCBC shows a quite strong growth in Revenue. The Revenue has grown by 8.86% in the last year.

GCBC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.06% yearly.

EPS 1Y (TTM)16.44%

EPS 3Y1.05%

EPS 5Y7.36%

EPS Q2Q%37.42%

Revenue 1Y (TTM)8.86%

Revenue growth 3Y1.08%

Revenue growth 5Y6.06%

Sales Q2Q%27.76%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.91 indicates a correct valuation of GCBC.

The rest of the industry has a similar Price/Earnings ratio as GCBC.

The average S&P500 Price/Earnings ratio is at 26.25. GCBC is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	12.91
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, GCBC is valued a bit more expensive than 60.51% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	14.63
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.75

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.64%, GCBC has a reasonable but not impressive dividend return.

GCBC's Dividend Yield is slightly below the industry average, which is at 3.44.

Compared to the average S&P500 Dividend Yield of 2.38, GCBC is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.64%

5.2 History

On average, the dividend of GCBC grows each year by 9.80%, which is quite nice.

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)9.8%

Div Incr Years11

Div Non Decr Years22

5.3 Sustainability

15.40% 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.

DP15.4%

EPS Next 2YN/A

EPS Next 3YN/A

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GREENE COUNTY BANCORP INC

NASDAQ:GCBC (5/30/2025, 8:00:00 PM)

After market: 21.69 0 (0%)

21.69

-0.22 (-1%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-24 2025-04-24

Earnings (Next)07-21 2025-07-21

Inst Owners15.42%

Inst Owner Change-4.5%

Ins Owners4.93%

Ins Owner Change3.74%

Market Cap369.38M

Analysts0

Price TargetN/A

Short Float %0.69%

Short Ratio0.95

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.64%

Yearly Dividend0.19

Dividend Growth(5Y)9.8%

DP15.4%

Div Incr Years11

Div Non Decr Years22

Ex-Date05-16 2025-05-16 (0.09)

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	12.91
Fwd PE	N/A
P/S	5.17
P/FCF	14.63
P/OCF	14.3
P/B	1.61
P/tB	1.61
EV/EBITDA	N/A

EPS(TTM)1.68

EY7.75%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.48

FCFY6.83%

OCF(TTM)1.52

OCFY6.99%

SpS4.2

BVpS13.45

TBVpS13.45

PEG (NY)N/A

PEG (5Y)1.75

Profitability

		Industry Rank	Sector Rank
ROA	0.95%
ROE	12.46%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	39.93%
GM	N/A
FCFM	35.33%

ROA(3y)1.04%

ROA(5y)1.06%

ROE(3y)15.52%

ROE(5y)15.42%

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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y0.06%

PM growth 5Y1.1%

GM growth 3YN/A

GM growth 5YN/A

F-Score7

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0.22
Debt/FCF	1.97
Debt/EBITDA	N/A
Cap/Depr	56.53%
Cap/Sales	0.82%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	88.46%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC16.17%

ROIC/WACCN/A

Cap/Depr(3y)155.27%

Cap/Depr(5y)156.76%

Cap/Sales(3y)1.97%

Cap/Sales(5y)2%

Profit Quality(3y)101.11%

Profit Quality(5y)110.14%

High Growth Momentum

Growth

EPS 1Y (TTM)16.44%

EPS 3Y1.05%

EPS 5Y7.36%

EPS Q2Q%37.42%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)8.86%

Revenue growth 3Y1.08%

Revenue growth 5Y6.06%

Sales Q2Q%27.76%

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 1Y-18.09%

FCF growth 3Y-4.06%

FCF growth 5Y2.15%

OCF growth 1Y-19.11%

OCF growth 3Y-3.54%

OCF growth 5Y2.86%

GREENE COUNTY BANCORP INC (GCBC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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