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Greene County Bancorp (GCBC)
NASDAQ:GCBC
US Market

Greene County Bancorp (GCBC) AI Stock Analysis

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Greene County Bancorp

(NASDAQ:GCBC)

69Neutral
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 (GCBC) vs. S&P 500 (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 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
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.
Breakdown
Jun 2024Jun 2023Jun 2022Jun 2021Jun 2020
Income StatementTotal Revenue
64.12M73.36M70.14M62.81M53.48M
Gross Profit
64.12M73.36M70.14M62.81M53.48M
EBIT
0.0035.83M38.34M27.61M21.76M
EBITDA
0.0036.70M33.73M28.39M22.47M
Net Income Common Stockholders
24.77M30.79M27.99M23.94M18.73M
Balance SheetCash, Cash Equivalents and Short-Term Investments
190.40M482.15M481.18M545.22M271.24M
Total Assets
2.83B2.70B2.57B2.20B1.68B
Total Debt
199.14M49.49M173.01M22.64M25.48M
Net Debt
5.91M-151.53M99.89M-131.68M-19.05M
Total Liabilities
2.62B49.49M2.41B2.05B1.55B
Stockholders Equity
206.00M183.28M157.71M149.58M128.81M
Cash FlowFree Cash Flow
23.40M26.57M34.30M26.50M25.61M
Operating Cash Flow
24.91M28.11M35.35M27.75M26.72M
Investing Cash Flow
-129.24M661.00K-471.18M-417.14M-397.32M
Financing Cash Flow
98.28M98.67M355.06M498.70M381.52M

Greene County Bancorp Technical Analysis

Technical Analysis Sentiment
Positive
Last Price21.83
Price Trends
50DMA
23.75
Negative
100DMA
25.82
Negative
200DMA
28.53
Negative
Market Momentum
MACD
-0.54
Negative
RSI
46.69
Neutral
STOCH
53.78
Neutral
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 21.83 is above the 20-day moving average (MA) of 21.72, below the 50-day MA of 23.75, and below the 200-day MA of 28.53, indicating a neutral trend. The MACD of -0.54 indicates Negative momentum. The RSI at 46.69 is Neutral, neither overbought nor oversold. The STOCH value of 53.78 is Neutral, 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 (63)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
76
Outperform
$396.71M10.359.85%2.08%9.82%0.91%
BWBWB
72
Outperform
$419.19M13.887.67%10.63%-3.35%
69
Neutral
$371.70M13.0313.33%1.58%14.44%16.49%
64
Neutral
$341.05M10.1710.98%0.78%12.88%2.03%
63
Neutral
$12.37B9.567.95%79.17%12.62%-5.26%
62
Neutral
$365.24M9.3411.58%3.66%1.99%17.65%
54
Neutral
$354.41M12.51-1.83%7.46%3.95%-135.44%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GCBC
Greene County Bancorp
22.00
-7.90
-26.42%
HBCP
Home Bancorp
50.56
15.13
42.70%
BSRR
Sierra Bancorp
27.11
7.01
34.88%
MSBI
Midland States Bancrop
16.47
-5.28
-24.28%
BWB
Bridgewater Bancshares
15.25
4.09
36.65%
RRBI
Red River Bancshares
51.28
5.24
11.38%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.