Greene County Bancorp, Inc. Logo

Greene County Bancorp, Inc.

GCBC

(2.2)
Stock Price

29,89 USD

4.91% ROA

12.03% ROE

19.91x PER

Market Cap.

493.096.128,00 USD

96.91% DER

1.14% Yield

26.33% NPM

Greene County Bancorp, Inc. Stock Analysis

Greene County Bancorp, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Greene County Bancorp, Inc. Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (15.8%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 DER

The stock has a minimal amount of debt (29%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

4 ROA

The stock's ROA (1.05%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 PBV

The stock's PBV ratio (2.4x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

6 Buffet Intrinsic Value

The company's stock seems undervalued (72) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

7 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

8 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

9 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

10 Graham Number

The Graham number of this company suggests that its stock price may be overvalued, indicating a less favorable investment opportunity.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

Greene County Bancorp, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Greene County Bancorp, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Greene County Bancorp, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Greene County Bancorp, Inc. Revenue
Year Revenue Growth
1998 556.667
1999 5.600.000 90.06%
2000 6.413.013 12.68%
2001 7.160.665 10.44%
2002 9.455.466 24.27%
2003 11.192.057 15.52%
2004 12.717.084 11.99%
2005 13.520.756 5.94%
2006 13.800.000 2.02%
2007 14.484.000 4.72%
2008 16.767.000 13.62%
2009 22.048.000 23.95%
2010 22.333.000 1.28%
2011 24.508.000 8.87%
2012 25.633.000 4.39%
2013 26.238.000 2.31%
2014 26.681.000 1.66%
2015 29.006.000 8.02%
2016 32.186.000 9.88%
2017 36.806.000 12.55%
2018 42.395.000 13.18%
2019 48.361.000 12.34%
2020 53.483.000 9.58%
2021 62.812.000 14.85%
2022 70.142.000 10.45%
2023 73.364.000 4.39%
2024 124.188.000 40.93%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Greene County Bancorp, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Greene County Bancorp, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1998 1.571.650
1999 1.800.000 12.69%
2000 2.493.206 27.8%
2001 2.985.933 16.5%
2002 3.355.992 11.03%
2003 3.879.137 13.49%
2004 4.436.419 12.56%
2005 5.124.398 13.43%
2006 5.965.000 14.09%
2007 5.892.000 -1.24%
2008 6.614.000 10.92%
2009 7.239.000 8.63%
2010 8.288.000 12.66%
2011 8.970.000 7.6%
2012 9.022.000 0.58%
2013 10.885.000 17.12%
2014 11.504.000 5.38%
2015 12.495.000 7.93%
2016 13.262.000 5.78%
2017 14.633.000 9.37%
2018 16.724.000 12.5%
2019 19.024.000 12.09%
2020 21.005.000 9.43%
2021 23.894.000 12.09%
2022 25.613.000 6.71%
2023 29.025.000 11.76%
2024 43.556.000 33.36%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Greene County Bancorp, Inc. EBITDA
Year EBITDA Growth
1998 6.817.892
1999 6.300.000 -8.22%
2000 6.582.972 4.3%
2001 7.064.473 6.82%
2002 7.624.758 7.35%
2003 8.639.991 11.75%
2004 9.427.227 8.35%
2005 9.647.079 2.28%
2006 9.610.000 -0.39%
2007 11.265.000 14.69%
2008 12.382.000 9.02%
2009 13.862.000 10.68%
2010 13.737.000 -0.91%
2011 13.271.000 -3.51%
2012 12.928.000 -2.65%
2013 12.597.000 -2.63%
2014 12.069.000 -4.37%
2015 12.354.000 2.31%
2016 14.852.000 16.82%
2017 18.642.000 20.33%
2018 23.152.000 19.48%
2019 27.972.000 17.23%
2020 22.469.000 -24.49%
2021 28.390.000 20.86%
2022 39.170.000 27.52%
2023 35.827.000 -9.33%
2024 -27.320.000 231.14%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Greene County Bancorp, Inc. Gross Profit
Year Gross Profit Growth
1998 556.667
1999 5.600.000 90.06%
2000 6.413.013 12.68%
2001 7.160.665 10.44%
2002 9.455.466 24.27%
2003 11.192.057 15.52%
2004 12.717.084 11.99%
2005 13.520.756 5.94%
2006 13.800.000 2.02%
2007 14.484.000 4.72%
2008 16.767.000 13.62%
2009 22.048.000 23.95%
2010 22.333.000 1.28%
2011 24.508.000 8.87%
2012 25.633.000 4.39%
2013 26.238.000 2.31%
2014 26.681.000 1.66%
2015 29.006.000 8.02%
2016 32.186.000 9.88%
2017 36.806.000 12.55%
2018 42.395.000 13.18%
2019 48.361.000 12.34%
2020 53.483.000 9.58%
2021 62.812.000 14.85%
2022 70.142.000 10.45%
2023 73.364.000 4.39%
2024 124.188.000 40.93%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Greene County Bancorp, Inc. Net Profit
Year Net Profit Growth
1998 1.149.916
1999 900.000 -27.77%
2000 958.126 6.07%
2001 956.353 -0.19%
2002 1.652.712 42.13%
2003 2.204.281 25.02%
2004 2.913.321 24.34%
2005 2.948.714 1.2%
2006 2.243.000 -31.46%
2007 2.259.000 0.71%
2008 2.720.000 16.95%
2009 4.085.000 33.41%
2010 4.885.000 16.38%
2011 5.291.000 7.67%
2012 5.830.000 9.25%
2013 6.371.000 8.49%
2014 6.528.000 2.41%
2015 7.189.000 9.19%
2016 8.963.000 19.79%
2017 11.187.000 19.88%
2018 14.408.000 22.36%
2019 17.484.000 17.59%
2020 18.727.000 6.64%
2021 23.942.000 21.78%
2022 27.986.000 14.45%
2023 30.785.000 9.09%
2024 26.928.000 -14.32%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Greene County Bancorp, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 100%
2020 1 0%
2021 1 0%
2022 2 0%
2023 2 0%
2024 2 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Greene County Bancorp, Inc. Free Cashflow
Year Free Cashflow Growth
1998 -99.684
1999 700.000 114.24%
2000 -515.958 235.67%
2001 1.047.643 149.25%
2002 1.947.267 46.2%
2003 3.463.162 43.77%
2004 4.191.644 17.38%
2005 2.580.136 -62.46%
2006 510.000 -405.91%
2007 730.000 30.14%
2008 2.502.000 70.82%
2009 4.100.000 38.98%
2010 6.131.000 33.13%
2011 8.784.000 30.2%
2012 10.022.000 12.35%
2013 10.148.000 1.24%
2014 10.810.000 6.12%
2015 12.045.000 10.25%
2016 13.291.000 9.37%
2017 13.972.000 4.87%
2018 20.348.000 31.33%
2019 21.036.000 3.27%
2020 25.607.000 17.85%
2021 26.499.000 3.37%
2022 34.303.000 22.75%
2023 26.572.000 -29.09%
2024 10.865.000 -144.57%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Greene County Bancorp, Inc. Operating Cashflow
Year Operating Cashflow Growth
1998 960.533
1999 1.800.000 46.64%
2000 1.323.756 -35.98%
2001 1.413.590 6.36%
2002 2.321.966 39.12%
2003 3.754.725 38.16%
2004 5.343.073 29.73%
2005 5.614.797 4.84%
2006 4.412.000 -27.26%
2007 4.357.000 -1.26%
2008 4.906.000 11.19%
2009 5.268.000 6.87%
2010 6.595.000 20.12%
2011 10.124.000 34.86%
2012 10.349.000 2.17%
2013 10.335.000 -0.14%
2014 11.385.000 9.22%
2015 12.798.000 11.04%
2016 13.581.000 5.77%
2017 14.048.000 3.32%
2018 20.672.000 32.04%
2019 21.625.000 4.41%
2020 26.723.000 19.08%
2021 27.753.000 3.71%
2022 35.354.000 21.5%
2023 28.109.000 -25.77%
2024 11.063.000 -154.08%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Greene County Bancorp, Inc. Capital Expenditure
Year Capital Expenditure Growth
1998 1.060.217
1999 1.100.000 3.62%
2000 1.839.714 40.21%
2001 365.947 -402.73%
2002 374.699 2.34%
2003 291.563 -28.51%
2004 1.151.429 74.68%
2005 3.034.661 62.06%
2006 3.902.000 22.23%
2007 3.627.000 -7.58%
2008 2.404.000 -50.87%
2009 1.168.000 -105.82%
2010 464.000 -151.72%
2011 1.340.000 65.37%
2012 327.000 -309.79%
2013 187.000 -74.87%
2014 575.000 67.48%
2015 753.000 23.64%
2016 290.000 -159.66%
2017 76.000 -281.58%
2018 324.000 76.54%
2019 589.000 44.99%
2020 1.116.000 47.22%
2021 1.254.000 11%
2022 1.051.000 -19.31%
2023 1.537.000 31.62%
2024 198.000 -676.26%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Greene County Bancorp, Inc. Equity
Year Equity Growth
1998 15.730.225
1999 23.900.000 34.18%
2000 23.593.949 -1.3%
2001 25.093.590 5.98%
2002 26.400.706 4.95%
2003 29.124.865 9.35%
2004 29.825.812 2.35%
2005 32.752.499 8.94%
2006 33.581.000 2.47%
2007 35.415.000 5.18%
2008 36.267.000 2.35%
2009 40.264.000 9.93%
2010 44.503.000 9.53%
2011 48.081.000 7.44%
2012 52.664.000 8.7%
2013 56.108.000 6.14%
2014 61.200.000 8.32%
2015 66.920.000 8.55%
2016 74.301.000 9.93%
2017 83.521.000 11.04%
2018 96.191.000 13.17%
2019 112.369.000 14.4%
2020 128.805.000 12.76%
2021 149.584.000 13.89%
2022 157.714.000 5.15%
2023 183.283.000 13.95%
2024 206.000.000 11.03%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Greene County Bancorp, Inc. Assets
Year Assets Growth
1998 140.252.929
1999 152.600.000 8.09%
2000 167.734.676 9.02%
2001 185.104.788 9.38%
2002 220.157.580 15.92%
2003 256.965.108 14.32%
2004 284.579.174 9.7%
2005 294.679.569 3.43%
2006 307.565.000 4.19%
2007 325.826.000 5.6%
2008 379.608.000 14.17%
2009 460.536.000 17.57%
2010 495.323.000 7.02%
2011 547.525.000 9.53%
2012 590.656.000 7.3%
2013 633.605.000 6.78%
2014 674.161.000 6.02%
2015 738.647.000 8.73%
2016 868.781.000 14.98%
2017 982.291.000 11.56%
2018 1.151.478.000 14.69%
2019 1.269.462.000 9.29%
2020 1.676.803.000 24.29%
2021 2.200.335.000 23.79%
2022 2.571.740.000 14.44%
2023 2.698.283.000 4.69%
2024 2.832.247.000 4.73%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Greene County Bancorp, Inc. Liabilities
Year Liabilities Growth
1998 124.522.704
1999 128.700.000 3.25%
2000 144.140.727 10.71%
2001 160.011.198 9.92%
2002 193.756.874 17.42%
2003 227.840.243 14.96%
2004 254.753.362 10.56%
2005 261.927.070 2.74%
2006 273.984.000 4.4%
2007 290.411.000 5.66%
2008 343.341.000 15.42%
2009 420.272.000 18.31%
2010 450.820.000 6.78%
2011 499.444.000 9.74%
2012 537.992.000 7.17%
2013 577.497.000 6.84%
2014 612.961.000 5.79%
2015 671.727.000 8.75%
2016 794.480.000 15.45%
2017 898.770.000 11.6%
2018 1.055.287.000 14.83%
2019 1.157.093.000 8.8%
2020 1.547.998.000 25.25%
2021 2.050.751.000 24.52%
2022 2.414.026.000 15.05%
2023 49.495.000 -4777.31%
2024 2.619.788.000 98.11%

Greene County Bancorp, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
5.47
Net Income per Share
1.45
Price to Earning Ratio
19.91x
Price To Sales Ratio
5.29x
POCF Ratio
19.8
PFCF Ratio
21.07
Price to Book Ratio
2.39
EV to Sales
5.38
EV Over EBITDA
-95.35
EV to Operating CashFlow
20.12
EV to FreeCashFlow
21.42
Earnings Yield
0.05
FreeCashFlow Yield
0.05
Market Cap
0,49 Bil.
Enterprise Value
0,50 Bil.
Graham Number
19.9
Graham NetNet
-127.34

Income Statement Metrics

Net Income per Share
1.45
Income Quality
1.01
ROE
0.13
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.94
EBT Per Ebit
1.3
Ebit per Revenue
0.21
Effective Tax Rate
0.06

Margins

Sales, General, & Administrative to Revenue
0.25
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
0.95
Operating Profit Margin
0.21
Pretax Profit Margin
0.28
Net Profit Margin
0.26

Dividends

Dividend Yield
0.01
Dividend Yield %
1.14
Payout Ratio
0.13
Dividend Per Share
0.33

Operating Metrics

Operating Cashflow per Share
1.46
Free CashFlow per Share
1.37
Capex to Operating CashFlow
0.06
Capex to Revenue
0.02
Capex to Depreciation
1.62
Return on Invested Capital
0.05
Return on Tangible Assets
0.05
Days Sales Outstanding
55.92
Days Payables Outstanding
0
Days of Inventory on Hand
-17216.49
Receivables Turnover
6.53
Payables Turnover
0
Inventory Turnover
-0.02
Capex per Share
0.09

Balance Sheet

Cash per Share
31,90
Book Value per Share
12,48
Tangible Book Value per Share
-124.21
Shareholders Equity per Share
12.1
Interest Debt per Share
14.82
Debt to Equity
0.97
Debt to Assets
0.07
Net Debt to EBITDA
-1.54
Current Ratio
0.09
Tangible Asset Value
-2,11 Bil.
Net Current Asset Value
-2,41 Bil.
Invested Capital
309052000
Working Capital
-2,04 Bil.
Intangibles to Total Assets
0.82
Average Receivables
0,02 Bil.
Average Payables
0,00 Bil.
Average Inventory
-967251000
Debt to Market Cap
0.4

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Greene County Bancorp, Inc. Dividends
Year Dividends Growth
2000 0
2001 0 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 0 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 1 0%
2022 1 0%
2023 0 0%
2024 0 0%

Greene County Bancorp, Inc. Profile

About Greene County Bancorp, Inc.

Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. Its deposit products include savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. The company's loan portfolio consists of residential, construction and land, and multifamily mortgage loans; commercial real estate mortgage loans; consumer loans, such as loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans, including passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. As of June 30, 2021, it operated a network of 17 full-service banking offices. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. is a subsidiary of Greene County Bancorp, MHC.

CEO
Mr. Donald E. Gibson
Employee
189
Address
302 Main Street
Catskill, 12414

Greene County Bancorp, Inc. Executives & BODs

Greene County Bancorp, Inc. Executives & BODs
# Name Age
1 Ms. Cynthia DuPilka
Vice President of BSA, Compliance & Operational Support
70
2 Sumeet Murarka
Vice President & Chief Information Officer
70
3 Mr. Nick Barzee CPA
Senior Vice President & Chief Financial Officer
70
4 Tim Penk
Senior Vice President & Chief Administrative Officer
70
5 Megan Zahn
Assistant Vice President & Director of Human Resources
70
6 Mr. Timothy Bartholomew
Vice President & Director of Investment Services
70
7 Kay Scarselli
Vice President of Operations
70
8 Mr. John Antalek
Executive Vice President & Chief Lending Officer
70
9 Mr. Donald E. Gibson
President, Chief Executive Officer & Director
70
10 Ms. Susan Timan
Vice President, Director of Marketing & Corporate Secretary
70

Greene County Bancorp, Inc. Competitors