Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services. More Details
No risks detected for GCBC from our risk checks.
Flawless balance sheet average dividend payer.
Share Price & News
How has Greene County Bancorp's share price performed over time and what events caused price changes?
Latest Share Price and Events
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.
7 Day Return
1 Year Return
Return vs Industry: GCBC underperformed the US Mortgage industry which returned -10.1% over the past year.
Return vs Market: GCBC underperformed the US Market which returned 19.8% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Greene County Bancorp's share price compared to the market and industry in the last 5 years?
Simply Wall St News
11 hours ago | Simply Wall StIntroducing Greene County Bancorp (NASDAQ:GCBC), A Stock That Climbed 61% In The Last Five Years
3 weeks ago | Simply Wall StGreene County Bancorp (NASDAQ:GCBC) Could Be A Buy For Its Upcoming Dividend
1 month ago | Simply Wall StHow Much Is Greene County Bancorp, Inc. (NASDAQ:GCBC) Paying Its CEO?
Is Greene County Bancorp undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: GCBC ($25.21) is trading below our estimate of fair value ($31.34)
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 good value based on its PE Ratio (11.5x) compared to the US Mortgage industry average (12.5x).
PE vs Market: GCBC is good value based on its PE Ratio (11.5x) compared to the US market (19.7x).
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 PB Ratio (1.6x) 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?
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?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: GCBC has high quality earnings.
Growing Profit Margin: GCBC's current net profit margins (37.5%) are lower than last year (37.8%).
Past Earnings Growth Analysis
Earnings Trend: GCBC's earnings have grown by 18.7% per year over the past 5 years.
Accelerating Growth: GCBC's earnings growth over the past year (4.3%) is below its 5-year average (18.7% per year).
Earnings vs Industry: GCBC earnings growth over the past year (4.3%) underperformed the Mortgage industry 4.6%.
Return on Equity
High ROE: GCBC's Return on Equity (14.1%) is considered low.
How is Greene County Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: GCBC's Assets to Equity ratio (13.5x) is moderate.
Allowance for Bad Loans: GCBC has a sufficient allowance for bad loans (405%).
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 (57%).
Low Risk Deposits: GCBC's Loans to Deposits ratio (64%) is appropriate.
Level of Bad Loans: GCBC has an appropriate level of bad loans (0.4%).
What is Greene County Bancorp current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: GCBC's dividend (1.9%) is higher than the bottom 25% of dividend payers in the US market (1.47%).
High Dividend: GCBC's dividend (1.9%) 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
Dividend Coverage: With its low payout ratio (20.9%), 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 and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Don Gibson (55 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 ($USD1.39M) is about average for companies of similar size in the US market ($USD1.10M).
Compensation vs Earnings: Don's compensation has been consistent with company performance over the past year.
|Executive VP||5.42yrs||US$833.80k||1.04% |
|Executive VP & Chief Lending Officer||12.33yrs||US$710.60k||0.28% |
|VP & Marketing Director||no data||no data||no data|
|Corporate Secretary||no data||no data||no data|
Experienced Management: GCBC's management team is seasoned and experienced (13.4 years average tenure).
|Executive VP||5.42yrs||US$833.80k||1.04% |
|Director Emeritus||13yrs||US$30.00k||no data|
|Director Emeritus||no data||US$13.50k||no data|
|Independent Chairman of the Board||no data||US$122.64k||1.11% |
|Independent Director||24.83yrs||US$119.34k||1.23% |
|Director Emeritus||no data||US$30.00k||no data|
|Independent Director||5.42yrs||US$117.69k||0.15% |
|Independent Director||7yrs||US$134.26k||0.41% |
Experienced Board: GCBC's board of directors are seasoned and experienced ( 13 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: GCBC 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 company bio, 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
- Market Cap: US$217.603m
- Shares outstanding: 8.51m
- Website: https://www.thebankofgreenecounty.com
Number of Employees
- Greene County Bancorp, Inc.
- 302 Main Street
- New York
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|GCBC||NasdaqCM (Nasdaq Capital Market)||Yes||Common Stock||US||USD||Dec 1998|
Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services. Its deposit products include savings, NOW accounts, money market accounts, ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/11/27 23:14|
|End of Day Share Price||2020/11/27 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.