Greene County Bancorp (GCBC) AI Stock Analysis

• Market Cap: $376.04M
• Dividend Yield: 1.58%
• Average Volume (3M): 67.99K
• Price to Earnings (P/E): 12.8
• Beta (1Y): 0.99
• Revenue Growth: 14.44%
• EPS Growth: 16.49%
• Country: US
• Employees: 189
• Sector: Financial
• Sector Strength: 83
• Industry: Banks - Regional
• EPS (TTM): 1.68
• Shares Outstanding: 17,026,829
• 10 Day Avg. Volume: 30,983
• 30 Day Avg. Volume: 67,987
• PEG Ratio: 0.78
• Price to Book (P/B): N/A
• Price to Sales (P/S): 5.81
• Price to Cash Flow (P/CF): 18.00
• P/FCF Ratio: 4.90
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Greene County Bancorp's overall stock score reflects strong financial performance, with robust revenue growth and profitability. However, technical analysis indicates bearish momentum, suggesting the stock is currently under selling pressure. While valuation metrics show the stock is fairly valued, the low dividend yield provides limited income appeal. The lack of recent earnings call and corporate events data limits additional insights into future performance.

Greene County Bancorp Business Overview & Revenue Model

Company Description

Greene County Bancorp, Inc. (GCBC) is a financial holding company headquartered in Catskill, New York. It operates through its wholly-owned subsidiary, The Bank of Greene County, which provides a wide range of financial services to individuals, small businesses, and municipalities. The company primarily serves the Hudson Valley Region and Capital District in New York State. Its core services include traditional banking products such as savings accounts, checking accounts, certificates of deposit, mortgage loans, commercial loans, and consumer loans.

How the Company Makes Money

Greene County Bancorp generates revenue primarily through the interest income received from its loan portfolio, which includes residential mortgages, commercial real estate loans, and consumer loans. The company also earns money from fees associated with its banking services, such as account maintenance fees, overdraft fees, and transaction fees. Additionally, it benefits from gains on the sale of investment securities and mortgages. Non-interest income, while a smaller portion of the revenue, includes fees from debit card transactions, ATM surcharges, and trust services. The bank's local presence and community-focused approach help it maintain a strong customer base, contributing to its stable earnings.

Greene County Bancorp Financial Statement Overview

Summary

Greene County Bancorp exhibits strong financial performance with healthy revenue growth, robust profitability, and solid cash flow generation. Despite some fluctuations in operating margins, the company's leverage remains manageable, supported by a stable equity base. The overall financial outlook is positive, with opportunities for further optimization in cash flow and margin improvement.

Income Statement

The income statement shows strong performance with a Gross Profit Margin of 97.28% and a significant Net Profit Margin of 27.62% in the TTM. Revenue has grown consistently, with a notable increase from previous periods, highlighting robust business growth. However, a decrease in EBIT and EBITDA margins compared to historical peaks suggests some pressure on operating efficiency.

Balance Sheet

The balance sheet reflects solid financial health, with a reasonable Debt-to-Equity Ratio of 0.89, indicating manageable leverage levels. The Equity Ratio stands at 7.36%, showing a stable equity base. Return on Equity is a strong 12.06%, suggesting effective use of shareholder funds. The firm's equity growth indicates solid financial positioning but could be improved further for increased stability.

Cash Flow

Cash flow analysis reveals a stable Free Cash Flow, although slight decline compared to 2023. The Operating Cash Flow to Net Income Ratio is at 0.92, showing consistent cash generation relative to net income. The Free Cash Flow to Net Income Ratio of 0.87 suggests effective conversion of income to cash flow, though with room for optimization.

Breakdown
TTM	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement		Total Revenue
95.35M	64.12M	73.36M	70.14M	62.81M	53.48M
	Gross Profit
92.75M	64.12M	73.36M	70.14M	62.81M	53.48M
	EBIT
20.32M	0.00	35.83M	38.34M	27.61M	21.76M
	EBITDA
645.00K	0.00	36.70M	33.73M	28.39M	22.47M
	Net Income Common Stockholders
26.34M	24.77M	30.79M	27.99M	23.94M	18.73M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
20.74M	190.40M	482.15M	481.18M	545.22M	271.24M
	Total Assets
478.94M	2.83B	2.70B	2.57B	2.20B	1.68B
	Total Debt
17.00M	199.14M	49.49M	173.01M	22.64M	25.48M
	Net Debt
-3.74M	5.91M	-151.53M	99.89M	-131.68M	-19.05M
	Total Liabilities
17.00M	2.62B	49.49M	2.41B	2.05B	1.55B
	Stockholders Equity
43.50M	206.00M	183.28M	157.71M	149.58M	128.81M
Cash Flow		Free Cash Flow
22.91M	23.40M	26.57M	34.30M	26.50M	25.61M
	Operating Cash Flow
24.11M	24.91M	28.11M	35.35M	27.75M	26.72M
	Investing Cash Flow
-233.55M	-129.24M	661.00K	-471.18M	-417.14M	-397.32M
	Financing Cash Flow
199.80M	98.28M	98.67M	355.06M	498.70M	381.52M

Greene County Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 22.08
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GCBC, the sentiment is Negative. The current price of 22.08 is above the 20-day moving average (MA) of 22.03, below the 50-day MA of 24.05, and below the 200-day MA of 28.65, indicating a bearish trend. The MACD of -0.78 indicates Negative momentum. The RSI at 41.05 is Neutral, neither overbought nor oversold. The STOCH value of 30.11 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GCBC.

Greene County Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HBCP	76 Outperform	$396.39M	10.55	9.85%	2.08%	9.82%	0.91%
BWB	72 Outperform	$397.25M	13.16	7.67%	―	10.63%	-3.35%
RRBI	64 Neutral	$340.17M	10.40	10.98%	0.78%	12.88%	2.03%
GCBC	63 Neutral	$376.04M	12.85	13.33%	1.58%	14.44%	16.49%
Sector *	63 Neutral	$12.32B	9.52	7.89%	79.24%	12.74%	-4.55%
BSRR	62 Neutral	$363.03M	9.46	11.67%	3.66%	5.69%	19.91%
MSBI	54 Neutral	$355.48M	12.51	-1.83%	7.46%	3.95%	-135.44%