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Company Analysis

Greene County Bancorp, Inc. GCBC

A comprehensive view of key metrics, scores, and financial health for Greene County Bancorp, Inc.

Overview of Greene County Bancorp, Inc.

GCBC NCM
Financial Services Banks - Regional Framework: Banks & Lenders Small Cap
Greene County Bancorp, Inc. (GCBC), is a Small Cap company, in the Banks - Regional industry, last closed at $30.17, about 48.0% overvalued vs fair value, +38.1% 1Y return, ranked 712/1037 in sector.
Metrics Rev Growth 16.1% ROE 14.0% Div Yield 1.18%
USD 30.17
3.50%
(Delayed)
• Vol 90d: 28.1%
52-Week Range
Market Cap
$491.40M
Enterprise Value
$580.21M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 49%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Website https://greenecountybancorp.q4...
HQ Catskill, NY
Employees 190
Fiscal year Jun 30

Next Events

Earnings Jul 22 Estimated

Fair Value Snapshot

Bear Base Bull
$9
$16
$29
Current: $30.17 -48% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$117.7M
13.5%%
Interest Expense
$57.6M
Net Interest Income
$60.1M
17.9%%
Total Revenue
$75.4M
16.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
13.0%
Good

Net Income / Equity - key bank profitability metric

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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Greene County Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
71
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
73
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing GCBC's balance between Growth (43.6%), Profitability (25.3%), and Safety (31.1%). Growth 44% Safety 31% Profitability 25%

Click axes to expand details. Marker shows current allocation.

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Growth

69th percentile vs peers
70
Key Signals
NII Growth YoY 17.9% 90p Asset Growth YoY 7.6% 68p Equity Growth YoY 15.9% 84p EPS Growth YoY -19.5% 21p
Strengths
  • NII Growth YoY in top 20% of peers (17.9%, 90th percentile)
  • Equity Growth YoY in top 20% of peers (15.9%, 84th percentile)
  • ROE in top 20% of peers (14.0%, 81th percentile)
  • Financial Leverage in top 20% of peers (13.19, 84th percentile)
  • Cash & Securities to Assets in top 20% of peers (32.8%, 96th percentile)
Risks

No significant risks identified for this axis.

Profitability

40th percentile vs peers
40
Key Signals
Strengths
Risks
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Safety

49th percentile vs peers
50
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Greene County Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$15.70
- - -
-48.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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