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GREENE COUNTY BANCORP INC

Data quality: 83%
GCBC
Nasdaq Financial Services Depository Institutions
$23.54
▼ $0.31 (-1.30%)
Mkt Cap: 400.81 M
Price
$23.54
Mkt Cap
400.81 M
Day Range
$23.32 — $23.88
52-Week Range
$20.62 — $26.04
Volume
11,301
Open $23.88
50D / 200D Avg
$22.80
3.25% above
50D / 200D Avg
$23.11
1.86% above

Quick Summary

Key Takeaways

Earnings grew 25.71% over the past year
ROE of 14.43% — decent returns on equity
Generating 32.93 M in free cash flow
P/E of 10.97 — trading at a low valuation
Cash machine — converts 90.09% of earnings into free cash flow

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)25.71%
FCF Growth (3Y)1.34%

Quality

Return on Equity
14.43%
Above sector avg (9.24%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
10.97
Below sector avg (11.15)
P/B Ratio1.55
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2150 peers)
Metric Stock Sector Median
P/E 11.0 11.2
P/B 1.6 1.2
ROE % 14.4 9.2
Net Margin % — 9.4
Rev Growth 5Y % — 5.8
D/E — 0.5

ETFs Holding This Stock

QABA logo QABA First Trust NASDAQ ABA Community Bank Index Fund
0.20% weight
GSSC logo GSSC Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF
0.03% weight
AVSC logo AVSC Avantis U.S. Small Cap Equity ETF
0.01% weight
AVUS logo AVUS Avantis U.S. Equity ETF
0.00% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) 25.71% Earnings Growth (3Y) 0.57%
Revenue Growth (5Y) N/A Earnings Growth (5Y) 6.79%
Profitability
Revenue (TTM) N/A Net Income (TTM) 36.55 M
ROE 14.43% ROA 1.18%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 32.93 M
ROIC N/A FCF Growth (3Y) 1.34%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 258.27 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 10.97 Forward P/E N/A
P/B Ratio 1.55 P/S Ratio N/A
PEG Ratio 1.62 Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 8.22%
Market Cap 400.81 M Enterprise Value 400.81 M
Per Share
EPS (Diluted TTM) 2.15 Revenue / Share N/A
FCF / Share 1.93 OCF / Share 1.99
EPS CAGR (1Y) 26.21% EPS CAGR (5Y) -10.17%
EPS CAGR (10Y) 6.26%
Efficiency
CapEx / Revenue N/A FCF Conversion 90.09%
SBC-Adj. FCF N/A Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue — — — — —
Net Income 31.14 M 24.77 M 30.79 M 27.99 M 23.94 M
EPS (Diluted) 1.83 1.45 1.81 3.29 2.81
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — —
Interest Expense 60.12 M 50.98 M 23.41 M 5.44 M 5.18 M
Income Tax 3.53 M 2.05 M 5.04 M 4.92 M 3.67 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 3.04 B 2.83 B 2.70 B 2.57 B 2.20 B
Total Liabilities 2.80 B 2.62 B 2.52 B 2.41 B 2.05 B
Shareholders' Equity 238.84 M 206.00 M 183.28 M 157.71 M 149.58 M
Total Debt — — 0.0 0.0 0.0
Cash & Equivalents — — — — —
Current Assets — — — — —
Current Liabilities — — — — —