GCBC Stock Overview
Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States.
No risks detected for GCBC from our risk checks.
Greene County Bancorp Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$51.44|
|52 Week High||US$55.88|
|52 Week Low||US$26.70|
|1 Month Change||3.52%|
|3 Month Change||32.89%|
|1 Year Change||90.52%|
|3 Year Change||71.70%|
|5 Year Change||115.23%|
|Change since IPO||2,108.15%|
Recent News & Updates
Greene County Bancorp: Time To Take Profits
GCBC is a community bank in New York with strong fundamentals. However, its valuation is currently over optimistic and not supported by and growth outlets. A normalised revaluation could lead to a 50% drop; hence, it would be good to take profits now.
|GCBC||US Mortgage||US Market|
Return vs Industry: GCBC exceeded the US Mortgage industry which returned -30.3% over the past year.
Return vs Market: GCBC exceeded the US Market which returned -12.3% over the past year.
|GCBC Average Weekly Movement||6.0%|
|Mortgage Industry Average Movement||3.8%|
|Market Average Movement||7.8%|
|10% most volatile stocks in US Market||16.8%|
|10% least volatile stocks in US Market||2.9%|
Stable Share Price: GCBC is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: GCBC's weekly volatility (6%) has been stable over the past year.
About the Company
Greene 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.
Greene County Bancorp Fundamentals Summary
|GCBC fundamental statistics|
Is GCBC overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|GCBC income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||3.38|
|Net Profit Margin||43.28%|
How did GCBC perform over the long term?See historical performance and comparison
1.0%Current Dividend Yield
Is Greene County Bancorp undervalued compared to its fair value and its price relative to the market?
Valuation Score 1/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: GCBC ($51.44) is trading below our estimate of fair value ($54.96)
Significantly Below Fair Value: GCBC is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: GCBC is poor value based on its Price-To-Earnings Ratio (15.2x) compared to the US Mortgage industry average (12x).
PE vs Market: GCBC is poor value based on its Price-To-Earnings Ratio (15.2x) compared to the US market (15.1x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate GCBC's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: GCBC is overvalued based on its Price-To-Book Ratio (2.8x) compared to the US Mortgage industry average (0.9x).
How is Greene County Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Greene County Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has Greene County Bancorp performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: GCBC has high quality earnings.
Growing Profit Margin: GCBC's current net profit margins (43.3%) are higher than last year (38.3%).
Past Earnings Growth Analysis
Earnings Trend: GCBC's earnings have grown by 17.5% per year over the past 5 years.
Accelerating Growth: GCBC's earnings growth over the past year (36.9%) exceeds its 5-year average (17.5% per year).
Earnings vs Industry: GCBC earnings growth over the past year (36.9%) exceeded the Mortgage industry 7.1%.
Return on Equity
High ROE: GCBC's Return on Equity (18.3%) is considered low.
How is Greene County Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: GCBC's Assets to Equity ratio (16.1x) is moderate.
Allowance for Bad Loans: GCBC has a sufficient allowance for bad loans (562%).
Low Risk Liabilities: 97% of GCBC's liabilities are made up of primarily low risk sources of funding.
Loan Level: GCBC has an appropriate level of Loans to Assets ratio (45%).
Low Risk Deposits: GCBC's Loans to Deposits ratio (49%) is appropriate.
Level of Bad Loans: GCBC has an appropriate level of bad loans (0.3%).
What is Greene County Bancorp current dividend yield, its reliability and sustainability?
Dividend Score 3/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: GCBC's dividend (1.01%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.57%).
High Dividend: GCBC's dividend (1.01%) is low compared to the top 25% of dividend payers in the US market (4.05%).
Stability and Growth of Payments
Stable Dividend: GCBC's dividends per share have been stable in the past 10 years.
Growing Dividend: GCBC's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its low payout ratio (15.4%), GCBC's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Don Gibson (56 yo)
Mr. Donald E. Gibson, also known as Don, serves as the President and Chief Executive Officer at Greene County Commercial Bank. Mr. Gibson has been the Chief Executive Officer and President at The Bank of G...
CEO Compensation Analysis
Compensation vs Market: Don's total compensation ($USD1.63M) is below average for companies of similar size in the US market ($USD2.59M).
Compensation vs Earnings: Don's compensation has been consistent with company performance over the past year.
Experienced Management: GCBC's management team is seasoned and experienced (14.9 years average tenure).
Experienced Board: GCBC's board of directors are seasoned and experienced ( 11.5 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Greene County Bancorp, Inc.'s employee growth, exchange listings and data sources
- Name: Greene County Bancorp, Inc.
- Ticker: GCBC
- Exchange: NasdaqCM
- Founded: 1889
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Implied Market Cap: US$437.930m
- Shares outstanding: 8.51m
- Website: https://www.thebankofgreenecounty.com
Number of Employees
- Greene County Bancorp, Inc.
- 302 Main Street
- New York
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/24 00:00|
|End of Day Share Price||2022/05/24 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.