GCBC Fundamental Analysis - GREENE COUNTY BANCORP INC

Fundamental Rating

Overall GCBC gets a fundamental rating of 3 out of 10. We evaluated GCBC against 393 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.

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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.

GCBC had positive earnings in each of the past 5 years.

Of the past 5 years GCBC 4 years had a positive operating cash flow.

1.2 Ratios

GCBC has a Return On Assets (0.95%) which is comparable to the rest of the industry.

GCBC has a better Return On Equity (12.46%) than 84.99% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.95%
ROE	12.46%
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

Looking at the Profit Margin, with a value of 39.93%, GCBC belongs to the top of the industry, outperforming 95.17% of the companies in the same industry.

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)	39.93%
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

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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.

Compared to 1 year ago, GCBC has about the same amount of shares outstanding.

Compared to 5 years ago, GCBC has about the same amount of shares outstanding.

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

2.2 Solvency

The Debt to FCF ratio of GCBC is 1.97, which is an excellent value as it means it would take GCBC, only 1.97 years of fcf income to pay off all of its debts.

GCBC's Debt to FCF ratio of 1.97 is in line compared to the rest of the industry. GCBC outperforms 50.13% of its industry peers.

A Debt/Equity ratio of 0.22 indicates that GCBC is not too dependend on debt financing.

GCBC has a Debt to Equity ratio of 0.22. This is in the lower half of the industry: GCBC underperforms 60.31% of its industry peers.

Even though the debt/equity ratio score it not favorable for GCBC, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.

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

ROIC/WACCN/A

WACC15.38%

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 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.

Looking at the last year, GCBC shows a quite strong growth in Revenue. The Revenue has grown by 16.13% in the last year.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.20, which indicates a correct valuation of GCBC.

GCBC's Price/Earnings ratio is in line with the industry average.

When comparing the Price/Earnings ratio of GCBC to the average of the S&P500 Index (27.24), we can say GCBC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	13.2
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, GCBC is valued a bit more expensive than 62.09% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	16.29
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.23

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.73%, GCBC has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.30, GCBC is paying slightly less dividend.

GCBC's Dividend Yield is slightly below the S&P500 average, which is at 2.34.

		Industry Rank	Sector Rank
Dividend Yield	1.73%

5.2 History

The dividend of GCBC is nicely growing with an annual growth rate of 9.80%!

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)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 around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.

DP15.4%

EPS Next 2YN/A

EPS Next 3YN/A

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GREENE COUNTY BANCORP INC

NASDAQ:GCBC (8/25/2025, 2:00:03 PM)

24.15

-0.58 (-2.35%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-28 2025-07-28

Earnings (Next)10-20 2025-10-20

Inst Owners14.57%

Inst Owner Change-3.22%

Ins Owners4.3%

Ins Owner Change-28.56%

Market Cap411.27M

Analysts0

Price TargetN/A

Short Float %0.51%

Short Ratio1.35

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.73%

Yearly Dividend0.19

Dividend Growth(5Y)9.8%

DP15.4%

Div Incr Years11

Div Non Decr Years22

Ex-Date08-15 2025-08-15 (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	13.2
Fwd PE	N/A
P/S	5.76
P/FCF	16.29
P/OCF	15.92
P/B	1.8
P/tB	1.8
EV/EBITDA	N/A

EPS(TTM)1.83

EY7.58%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.48

FCFY6.14%

OCF(TTM)1.52

OCFY6.28%

SpS4.2

BVpS13.45

TBVpS13.45

PEG (NY)N/A

PEG (5Y)1.23

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)1.01%

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

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 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	0.22
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

WACC15.38%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

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 1Y13.73%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y6.62%

OCF growth 3YN/A

OCF growth 5YN/A

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

More info and screens