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Greene County (GCBC)
:GCBC
US Market

Greene County Bancorp (GCBC) AI Stock Analysis

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Greene County Bancorp

(NASDAQ:GCBC)

Rating:77Outperform
Price Target:
$27.00
▲(12.59%Upside)
Greene County Bancorp's overall stock score is primarily driven by its strong financial performance characterized by robust revenue growth and profitability. The technical analysis provides additional support with moderately bullish indicators. Valuation metrics suggest the stock is fairly valued, contributing to a solid investment outlook, though the dividend yield is relatively modest.

Greene County Bancorp (GCBC) vs. SPDR S&P 500 ETF (SPY)

Greene County Bancorp Business Overview & Revenue Model

Company DescriptionGreene 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.
How the Company Makes MoneyGreene County Bancorp makes money through a variety of revenue streams primarily focused on traditional banking activities. The company's income is largely derived from interest income, which it earns on loans issued to individuals and businesses, including commercial real estate loans, residential mortgages, and consumer loans. Additionally, the bank generates non-interest income from service charges on deposit accounts, fees for banking services, and income from investment securities. The company benefits from its strong local presence and customer relationships, which help maintain a stable deposit base that funds its lending activities. Key factors contributing to its earnings include effective asset-liability management, a focus on low-cost deposits, and strategic investments in technology to improve operational efficiency.

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
87
Very Positive
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
78
Positive
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
82
Very Positive
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.
BreakdownTTMJun 2024Jun 2023Jun 2022Jun 2021Jun 2020
Income Statement
Total Revenue129.48M117.57M96.77M75.58M68.00M61.96M
Gross Profit69.41M64.12M74.44M66.86M58.84M49.58M
EBITDA31.57M27.75M36.70M33.73M28.39M22.47M
Net Income28.54M24.77M30.79M27.99M23.94M18.73M
Balance Sheet
Total Assets3.01B2.83B2.70B2.57B2.20B1.68B
Cash, Cash Equivalents and Short-Term Investments474.73M540.40M482.15M481.18M545.22M271.24M
Total Debt94.02M199.14M49.49M173.01M22.64M25.48M
Total Liabilities2.78B2.62B2.52B2.41B2.05B1.55B
Stockholders Equity229.04M206.00M183.28M157.71M149.58M128.81M
Cash Flow
Free Cash Flow25.24M23.40M26.57M34.30M26.50M25.61M
Operating Cash Flow25.83M24.91M28.11M35.35M27.75M26.72M
Investing Cash Flow-227.42M-129.24M661.00K-471.18M-417.14M-397.32M
Financing Cash Flow101.25M98.28M98.67M355.06M498.70M381.52M

Greene County Bancorp Technical Analysis

Technical Analysis Sentiment
Positive
Last Price23.98
Price Trends
50DMA
22.40
Positive
100DMA
23.29
Positive
200DMA
26.22
Negative
Market Momentum
MACD
0.46
Negative
RSI
65.08
Neutral
STOCH
86.45
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GCBC, the sentiment is Positive. The current price of 23.98 is above the 20-day moving average (MA) of 22.54, above the 50-day MA of 22.40, and below the 200-day MA of 26.22, indicating a neutral trend. The MACD of 0.46 indicates Negative momentum. The RSI at 65.08 is Neutral, neither overbought nor oversold. The STOCH value of 86.45 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GCBC.

Greene County Bancorp Peers Comparison

Overall Rating
UnderperformOutperform
Sector (69)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
$431.57M11.599.85%1.92%9.82%0.91%
78
Outperform
$418.31M11.7711.51%0.75%10.47%13.63%
77
Outperform
$435.98M11.1411.58%3.17%1.99%17.65%
77
Outperform
$408.30M14.3113.33%1.50%14.44%16.49%
BWBWB
73
Outperform
$454.79M15.137.67%10.63%-3.35%
69
Neutral
€21.75B28.0810.92%4.95%4.57%1.35%
58
Neutral
$399.32M13.665.03%6.68%14.75%-48.47%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GCBC
Greene County Bancorp
24.20
-5.37
-18.16%
HBCP
Home Bancorp
56.06
18.24
48.23%
BSRR
Sierra Bancorp
31.64
10.25
47.92%
MSBI
Midland States Bancrop
18.77
-2.62
-12.25%
BWB
Bridgewater Bancshares
16.60
5.23
46.00%
RRBI
Red River Bancshares
63.95
17.41
37.41%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 02, 2025