NasdaqCM:GCBC

Stock Analysis Report

Executive Summary

Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services.

Snowflake

Fundamentals

Flawless balance sheet average dividend payer.

Risks

  • Greene County Bancorp is not covered by any analysts.

Similar Companies

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


Market Performance


7 Day Return

1.4%

NasdaqCM:GCBC

2.1%

US Mortgage

2.1%

US Market


1 Year Return

-21.8%

NasdaqCM:GCBC

-0.7%

US Mortgage

-0.04%

US Market

GCBC underperformed the Mortgage industry which returned -1.5% over the past year.

GCBC underperformed the Market in United States of America which returned 0.2% over the past year.


Share holder returns

GCBCIndustryMarket
7 Day1.4%2.1%2.1%
30 Day0.1%-1.9%-3.2%
90 Day-10.8%0.6%2.8%
1 Year-20.8%-21.8%1.4%-0.7%2.2%-0.04%
3 Year67.6%60.5%32.9%24.1%41.5%32.3%
5 Year127.9%107.6%59.3%42.6%55.0%37.8%

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

Valuation

Is Greene County Bancorp undervalued based on future cash flows and its price relative to the stock market?

13.13x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Greene County Bancorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Greene County Bancorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Greene County Bancorp is good value based on earnings compared to the US Mortgage industry average.

Greene County Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Greene County Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Greene County Bancorp is overvalued based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

How is Greene County Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

-6.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Greene County Bancorp is high growth as no revenue estimate data is available.

Greene County Bancorp's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.

Unable to compare Greene County Bancorp's revenue growth to the United States of America market average as no estimate data is available.

Greene County Bancorp's earnings are expected to decrease over the next 1-3 years, this is below the United States of America market average.

Greene County Bancorp's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Greene County Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Greene County Bancorp performed over the past 5 years?

21.6%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Greene County Bancorp has delivered over 20% year on year earnings growth in the past 5 years.

Greene County Bancorp's 1-year earnings growth is less than its 5-year average (21.3% vs 21.6%)

Greene County Bancorp's earnings growth has not exceeded the US Mortgage industry average in the past year (21.3% vs 32.9%).


Return on Equity

Greene County Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Greene County Bancorp used its assets more efficiently than the US Mortgage industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Greene County Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

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


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Greene County Bancorp has an acceptable proportion of non-loan assets held.

Greene County Bancorp has a sufficient allowance for bad loans.

Greene County Bancorp's liabilities are made up of primarily low risk sources of funding.

Greene County Bancorp's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Greene County Bancorp are broadly funded by customer deposits.

Greene County Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Greene County Bancorp's current dividend yield, its reliability and sustainability?

1.64%

Current Dividend Yield


Dividend Yield and Payments Analysis

Greene County Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Greene County Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (5x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Greene County Bancorp's salary, the management and board of directors tenure and is there insider trading?

12.2yrs

Average management tenure


CEO

Don Gibson (54yo)

12.2yrs

Tenure

US$1,100,200

Compensation

Mr. Donald E. Gibson 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 Greene County (Catski ...


CEO Compensation Analysis

Don's remuneration is about average for companies of similar size in United States of America.

Don's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

12.2yrs

Average Tenure

53yo

Average Age

The average tenure for the Greene County Bancorp management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

11.8yrs

Average Tenure

67.5yo

Average Age

The average tenure for the Greene County Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

More shares have been bought than sold by Greene County Bancorp individual insiders in the past 3 months.


Recent Insider Transactions

BuyUS$13,43607 Aug 19
Paul Slutzky
EntityIndividual
Role
Member of the Board of Directors
Director
Shares500
Max PriceUS$26.87
BuyUS$1,51807 Aug 19
Donald Gibson
EntityIndividual
Role
Chief Executive Officer
President
Shares57
Max PriceUS$27.01
BuyUS$13,87505 Aug 19
Charles Schaefer
EntityIndividual
Role
Member of the Board of Directors
Director
Shares500
Max PriceUS$27.75
BuyUS$10,68026 Jul 19
Jay Cahalan
EntityIndividual
Role
Member of the Board of Directors
Director
Shares400
Max PriceUS$26.70
BuyUS$58,62005 Jun 19
Peter Hogan
EntityIndividual
Role
Member of the Board of Directors
Director
Shares2,000
Max PriceUS$29.35
BuyUS$6,00030 May 19
Donald Gibson
EntityIndividual
Role
Chief Executive Officer
President
Shares200
Max PriceUS$30.00
BuyUS$15,25014 May 19
Paul Slutzky
EntityIndividual
Role
Member of the Board of Directors
Director
Shares500
Max PriceUS$30.50
BuyUS$12,78603 May 19
Jay Cahalan
EntityIndividual
Role
Member of the Board of Directors
Director
Shares415
Max PriceUS$30.81
BuyUS$5,98422 Feb 19
Donald Gibson
EntityIndividual
Role
Chief Executive Officer
President
Shares187
Max PriceUS$32.00
BuyUS$9522 Feb 19
Donald Gibson
EntityIndividual
Role
Chief Executive Officer
President
Shares3
Max PriceUS$31.51
BuyUS$21,67829 Jan 19
Donald Gibson
EntityIndividual
Role
Chief Executive Officer
President
Shares700
Max PriceUS$30.99
BuyUS$9229 Jan 19
Donald Gibson
EntityIndividual
Role
Chief Executive Officer
President
Shares3
Max PriceUS$30.51
BuyUS$27,89128 Jan 19
Jay Cahalan
EntityIndividual
Role
Member of the Board of Directors
Director
Shares900
Max PriceUS$30.99

Ownership Breakdown


Management Team

  • Steve Nelson (52yo)

    Executive VP & Chief Lending Officer

    • Tenure: 11.1yrs
    • Compensation: US$559.60k
  • Michelle Plummer (53yo)

    Executive VP

    • Tenure: 4.2yrs
    • Compensation: US$639.70k
  • Don Gibson (54yo)

    President

    • Tenure: 12.2yrs
    • Compensation: US$1.10m
  • Susan Timan

    Corporate Secretary

    • Tenure: 0.0yrs

Board Members

  • Walter Ingalls (88yo)

    Director Emeritus

    • Tenure: 11.8yrs
    • Compensation: US$12.50k
  • J. Whittaker (76yo)

    Director Emeritus

    • Tenure: 0.0yrs
    • Compensation: US$13.50k
  • Paul Slutzky (71yo)

    Director

    • Tenure: 27.6yrs
    • Compensation: US$84.90k
  • Martin Smith (74yo)

    Chairman of the Board

    • Tenure: 13.8yrs
    • Compensation: US$99.00k
  • David Jenkins (68yo)

    Director

    • Tenure: 23.6yrs
    • Compensation: US$81.90k
  • Michelle Plummer (53yo)

    Executive VP

    • Tenure: 4.2yrs
    • Compensation: US$639.70k
  • Charles Schaefer (67yo)

    Director

    • Tenure: 15.8yrs
    • Compensation: US$81.90k
  • Don Gibson (54yo)

    President

    • Tenure: 12.2yrs
    • Compensation: US$1.10m
  • Jay Cahalan (60yo)

    Director

    • Tenure: 4.2yrs
    • Compensation: US$36.00k
  • Peter Hogan (62yo)

    Director

    • Tenure: 5.8yrs
    • Compensation: US$93.96k

Company Information

Greene County Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Greene County Bancorp, Inc.
  • Ticker: GCBC
  • Exchange: NasdaqCM
  • Founded: 1889
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$229.582m
  • Shares outstanding: 8.54m
  • Website: https://www.thebankofgreenecounty.com

Number of Employees


Location

  • Greene County Bancorp, Inc.
  • 302 Main Street
  • Catskill
  • New York
  • 12414
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
GCBCNasdaqCM (Nasdaq Capital Market)YesCommon StockUSUSDDec 1998

Biography

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/22 23:37
End of Day Share Price2019/08/22 00:00
Earnings2019/06/30
Annual Earnings2019/06/30


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.