Greene County Bancorp, Inc.
Greene County Bancorp, Inc. Fundamental Analysis
Greene County Bancorp, Inc. (GCBC) shows strong financial fundamentals with a PE ratio of 10.80, profit margin of 27.28%, and ROE of 15.41%. The company generates $0.1B in annual revenue with strong year-over-year growth of 13.07%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 73.6/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze GCBC's fundamental strength across five key dimensions:
Efficiency Score
WeakGCBC struggles to generate sufficient returns from assets.
Valuation Score
ExcellentGCBC trades at attractive valuation levels.
Growth Score
ExcellentGCBC delivers strong and consistent growth momentum.
Financial Health Score
ExcellentGCBC maintains a strong and stable balance sheet.
Profitability Score
ExcellentGCBC achieves industry-leading margins.
Key Financial Metrics
Is GCBC Expensive or Cheap?
P/E Ratio
GCBC trades at 10.80 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, GCBC's PEG of 0.30 indicates potential undervaluation.
Price to Book
The market values Greene County Bancorp, Inc. at 1.57 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 7.90 times EBITDA. This is generally considered low.
How Well Does GCBC Make Money?
Net Profit Margin
For every $100 in sales, Greene County Bancorp, Inc. keeps $27.28 as profit after all expenses.
Operating Margin
Core operations generate 31.36 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $15.41 in profit for every $100 of shareholder equity.
ROA
Greene County Bancorp, Inc. generates $1.23 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Greene County Bancorp, Inc. produces operating cash flow of $33.90M, showing steady but balanced cash generation.
Free Cash Flow
Greene County Bancorp, Inc. generates strong free cash flow of $32.93M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $1.93 in free cash annually.
FCF Yield
GCBC converts 7.76% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.80
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.30
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.57
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.94
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.27
vs 25 benchmark
Current Ratio
Current assets to current liabilities
29.05
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.15
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How GCBC Stacks Against Its Sector Peers
| Metric | GCBC Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.80 | 19.03 | Better (Cheaper) |
| ROE | 15.41% | 818.00% | Weak |
| Net Margin | 27.28% | 1571.00% | Weak |
| Debt/Equity | 0.27 | 0.98 | Strong (Low Leverage) |
| Current Ratio | 29.05 | 669.04 | Strong Liquidity |
| ROA | 1.23% | -21643.00% (disorted) | Weak |
GCBC outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Greene County Bancorp, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
114.96%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
66.60%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
4.90%
Industry Style: Value, Dividend, Cyclical
Growing