GREENE COUNTY BANCORP INC (GCBC) Stock Fundamental Analysis
USA - NASDAQ:GCBC - US3943571071 - Common Stock
21.95 USD
+0.27 (+1.25%)
21.95 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to GCBC. GCBC was compared to 388 industry peers in the Banks industry. GCBC has a medium profitability rating, but doesn't score so well on its financial health evaluation. GCBC is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year GCBC was profitable.
GCBC had a positive operating cash flow in the past year.
Each year in the past 5 years GCBC has been profitable.
GCBC had a positive operating cash flow in each of the past 5 years.
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.
GCBC has a better Return On Equity (13.04%) than 86.86% 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 better Profit Margin (41.32%) than 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.
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
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.
Looking at the Debt to FCF ratio, with a value of 1.83, GCBC is in line with its industry, outperforming 50.77% of the companies in the same 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 41.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 1.83 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.91%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
GCBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 37.39%, which is quite impressive.
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 23.02%.
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)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
The Price/Earnings ratio is 11.09, which indicates a very decent 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 (25.51), we can say GCBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.09 | ||
| 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 | 13.7 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.04
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
GCBC has a Yearly Dividend Yield of 1.81%.
Compared to an average industry Dividend Yield of 3.39, GCBC is paying slightly less dividend.
GCBC's Dividend Yield is slightly below the S&P500 average, which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.81% |
5.2 History
The dividend of GCBC is nicely growing with an annual growth rate of 14.87%!
GCBC has paid a dividend for at least 10 years, which is a reliable track record.
GCBC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)14.87%
Div Incr Years11
Div Non Decr Years22
5.3 Sustainability
GCBC pays out 14.37% of its income as dividend. This is a sustainable payout ratio.
The dividend of GCBC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP14.37%
EPS Next 2YN/A
EPS Next 3YN/A
21.95
+0.27 (+1.25%)
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 Cap373.81M
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 | 11.09 | ||
| Fwd PE | N/A | ||
| P/S | 4.96 | ||
| P/FCF | 13.7 | ||
| P/OCF | 13.36 | ||
| P/B | 1.57 | ||
| P/tB | 1.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.98
EY9.02%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.6
FCFY7.3%
OCF(TTM)1.64
OCFY7.48%
SpS4.42
BVpS14.02
TBVpS14.02
PEG (NY)N/A
PEG (5Y)1.04
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
WACC15.91%
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%.