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GREENE COUNTY BANCORP INC (GCBC) Stock Fundamental Analysis

USA - NASDAQ:GCBC - US3943571071 - Common Stock

22.6 USD
+0.17 (+0.76%)
Last: 10/21/2025, 10:43:27 AM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to GCBC. GCBC was compared to 391 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 has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

5

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.
GCBC Yearly Net Income VS EBIT VS OCF VS FCFGCBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

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 66.50% of the companies in the same industry.
The Return On Equity of GCBC (13.04%) is better than 87.21% of its industry peers.
Industry RankSector 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
GCBC Yearly ROA, ROE, ROICGCBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

The Profit Margin of GCBC (41.32%) is better than 95.65% 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 RankSector 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
GCBC Yearly Profit, Operating, Gross MarginsGCBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

3

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.
The debt/assets ratio for GCBC has been reduced compared to a year ago.
GCBC Yearly Shares OutstandingGCBC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
GCBC Yearly Total Debt VS Total AssetsGCBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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.
GCBC has a Debt to FCF ratio of 1.83. This is comparable to the rest of the industry: GCBC outperforms 50.64% of its industry peers.
A Debt/Equity ratio of 0.21 indicates that GCBC is not too dependend on debt financing.
GCBC's Debt to Equity ratio of 0.21 is in line compared to the rest of the industry. GCBC outperforms 40.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 1.83
Altman-Z N/A
ROIC/WACCN/A
WACC15.86%
GCBC Yearly LT Debt VS Equity VS FCFGCBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
GCBC Yearly Current Assets VS Current LiabilitesGCBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

3

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.
GCBC Yearly Revenue VS EstimatesGCBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

2

4. Valuation

4.1 Price/Earnings Ratio

GCBC is valuated correctly with a Price/Earnings ratio of 12.35.
GCBC's Price/Earnings is on the same level as the industry average.
GCBC is valuated cheaply when we compare the Price/Earnings ratio to 27.69, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.35
Fwd PE N/A
GCBC Price Earnings VS Forward Price EarningsGCBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

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 RankSector Rank
P/FCF 14.1
EV/EBITDA N/A
GCBC Per share dataGCBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.15
EPS Next 2YN/A
EPS Next 3YN/A

5

5. Dividend

5.1 Amount

GCBC has a Yearly Dividend Yield of 1.86%. Purely for dividend investing, there may be better candidates out there.
GCBC's Dividend Yield is slightly below the industry average, which is at 3.57.
GCBC's Dividend Yield is slightly below the S&P500 average, which is at 2.34.
Industry RankSector Rank
Dividend Yield 1.86%

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 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
GCBC Yearly Dividends per shareGCBC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3

5.3 Sustainability

14.37% of the earnings are spent on dividend by GCBC. This is a low number and 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
GCBC Yearly Income VS Free CF VS DividendGCBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
GCBC Dividend Payout.GCBC Dividend Payout, showing the Payout Ratio.GCBC Dividend Payout.PayoutRetained Earnings

GREENE COUNTY BANCORP INC

NASDAQ:GCBC (10/21/2025, 10:43:27 AM)

22.6

+0.17 (+0.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-28 2025-07-28
Earnings (Next)10-28 2025-10-28
Inst Owners14.24%
Inst Owner Change0.02%
Ins Owners4.3%
Ins Owner Change-31.44%
Market Cap384.88M
Analysts0
Price TargetN/A
Short Float %0.49%
Short Ratio2.67
Dividend
Industry RankSector Rank
Dividend Yield 1.86%
Yearly Dividend0.26
Dividend Growth(5Y)14.87%
DP14.37%
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 RankSector Rank
PE 12.35
Fwd PE N/A
P/S 5.11
P/FCF 14.1
P/OCF 13.76
P/B 1.61
P/tB 1.61
EV/EBITDA N/A
EPS(TTM)1.83
EY8.1%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.6
FCFY7.09%
OCF(TTM)1.64
OCFY7.27%
SpS4.42
BVpS14.02
TBVpS14.02
PEG (NY)N/A
PEG (5Y)1.15
Profitability
Industry RankSector 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
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 RankSector 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
WACC15.86%
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%