GREENE COUNTY BANCORP INC(NASDAQ:GCBC) stock Fundamental Analysis

Fundamental Rating

Overall GCBC gets a fundamental rating of 3 out of 10. We evaluated GCBC against 402 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 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.

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

With a Return On Assets value of 0.85%, GCBC perfoms like the industry average, outperforming 55.22% of the companies in the same industry.

GCBC has a Return On Equity of 11.36%. This is in the better half of the industry: GCBC outperforms 79.10% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.85%
ROE	11.36%
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

Looking at the Profit Margin, with a value of 37.77%, GCBC belongs to the top of the industry, outperforming 94.53% of the companies in the same industry.

GCBC's Profit Margin has been stable 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)	37.77%
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.

GCBC has less shares outstanding than it did 5 years ago.

The debt/assets ratio for GCBC has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of GCBC is 2.54, which is a good value as it means it would take GCBC, 2.54 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of GCBC (2.54) is comparable to the rest of the industry.

GCBC has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.

Looking at the Debt to Equity ratio, with a value of 0.23, GCBC is in line with its industry, outperforming 44.78% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.23
Debt/FCF	2.54
Altman-Z	N/A

ROIC/WACCN/A

WACC15.17%

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 for GCBC have decreased by -1.78% in the last year.

GCBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.36% yearly.

Looking at the last year, GCBC shows a decrease in Revenue. The Revenue has decreased by -1.65% 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)-1.78%

EPS 3Y1.05%

EPS 5Y7.36%

EPS Q2Q%29.41%

Revenue 1Y (TTM)-1.65%

Revenue growth 3Y1.08%

Revenue growth 5Y6.06%

Sales Q2Q%13.04%

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

With a Price/Earnings ratio of 16.82, GCBC is valued correctly.

73.38% of the companies in the same industry are cheaper than GCBC, based on the Price/Earnings ratio.

GCBC is valuated rather cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	16.82
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, GCBC is valued a bit more expensive than the industry average as 72.14% of the companies are valued more cheaply.

		Industry Rank	Sector Rank
P/FCF	22.64
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)2.29

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

GCBC has a Yearly Dividend Yield of 1.38%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.37, GCBC is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.33, GCBC's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	1.38%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)9.8%

Div Incr Years11

Div Non Decr Years22

5.3 Sustainability

GCBC pays out 13.90% 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.

DP13.9%

EPS Next 2YN/A

EPS Next 3YN/A

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GREENE COUNTY BANCORP INC

NASDAQ:GCBC (3/7/2025, 8:00:01 PM)

Premarket: 25.6 -0.47 (-1.8%)

26.07

-0.08 (-0.31%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-22 2025-01-22

Earnings (Next)04-21 2025-04-21

Inst Owners15.42%

Inst Owner Change-2.53%

Ins Owners4.93%

Ins Owner Change1.19%

Market Cap443.97M

Analysts0

Price TargetN/A

Short Float %0.98%

Short Ratio2.92

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.38%

Yearly Dividend0.19

Dividend Growth(5Y)9.8%

DP13.9%

Div Incr Years11

Div Non Decr Years22

Ex-Date02-14 2025-02-14 (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	16.82
Fwd PE	N/A
P/S	6.83
P/FCF	22.64
P/OCF	21.35
P/B	2.05
P/tB	2.05
EV/EBITDA	N/A

EPS(TTM)1.55

EY5.95%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.15

FCFY4.42%

OCF(TTM)1.22

OCFY4.68%

SpS3.82

BVpS12.7

TBVpS12.7

PEG (NY)N/A

PEG (5Y)2.29

Profitability

		Industry Rank	Sector Rank
ROA	0.85%
ROE	11.36%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	37.77%
GM	N/A
FCFM	30.16%

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-Score4

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0.23
Debt/FCF	2.54
Debt/EBITDA	N/A
Cap/Depr	122.7%
Cap/Sales	1.83%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	79.84%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC15.17%

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)-1.78%

EPS 3Y1.05%

EPS 5Y7.36%

EPS Q2Q%29.41%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-1.65%

Revenue growth 3Y1.08%

Revenue growth 5Y6.06%

Sales Q2Q%13.04%

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-38.49%

FCF growth 3Y-4.06%

FCF growth 5Y2.15%

OCF growth 1Y-36.69%

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

More info and screens