📊 GCBC Key Takeaways
Is Greene County Bancorp Inc. (GCBC) a Good Investment?
Greene County Bancorp demonstrates strong profitability with 29.4% net margins and impressive revenue growth of 95.8% YoY, but the exceptionally low ROA of 0.6% and weak interest coverage of 0.6x raise concerns about asset quality and earnings sustainability. The bank's fundamentals show mixed signals requiring closer monitoring of loan portfolio health and interest rate dynamics.
GREENE COUNTY BANCORP shows strong recent top-line and earnings growth, with net income up 25.7% YoY and a solid 29.4% net margin. Its balance sheet is conservatively structured with no long-term debt and positive free cash flow, but returns on assets and equity remain modest for a bank and weak interest coverage suggests earnings quality should be monitored closely.
Why Buy Greene County Bancorp Inc. Stock? GCBC Key Strengths
- Exceptional revenue growth of 95.8% year-over-year indicates strong market demand or successful expansion
- High net profit margin of 29.4% demonstrates efficient cost management and strong operational profitability
- Zero long-term debt with debt-to-equity ratio of 0.0x provides exceptional financial stability and flexibility
- Positive free cash flow of 12.8M with 19.6% FCF margin shows cash generation capability
- Consistent earnings growth with net income up 25.7% YoY and diluted EPS up 26.2% YoY
- Strong recent growth in revenue, net income, and diluted EPS
- Healthy profitability profile with 33.4% operating margin and 29.4% net margin
- Conservative balance sheet with no long-term debt and positive free cash flow
GCBC Stock Risks: Greene County Bancorp Inc. Investment Risks
- Critically low ROA of 0.6% suggests poor asset utilization and efficiency relative to $3.1B asset base
- Interest coverage ratio of 0.6x indicates insufficient earnings to cover interest obligations, raising debt service concerns
- Heavy asset base ($3.9B liabilities) with minimal equity cushion ($258.3M) typical of banking but limits safety margin
- Operating cash flow of 13.4M is modest relative to net income of 19.2M, suggesting quality of earnings concerns
- Banking sector sensitivity to interest rate changes and credit cycles not fully transparent from provided metrics
- Low ROA of 0.6% and ROE of 7.4% indicate only moderate balance-sheet efficiency
- Interest coverage of 0.6x suggests limited cushion relative to interest burden
- High liabilities relative to equity increases sensitivity to funding costs and credit conditions
Key Metrics to Watch
- Trend in ROA and ROE to assess whether profitability is sustainable
- Interest coverage ratio improvement as critical indicator of financial health
- Loan-to-deposit ratio and asset quality metrics (non-performing loans, loan loss reserves)
- Net interest margin trends in changing rate environment
- Regulatory capital ratios and any changes to capital requirements
- ROA and ROE improvement
- Net interest margin and interest coverage trend
Greene County Bancorp Inc. (GCBC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
GCBC Profit Margin, ROE & Profitability Analysis
GCBC vs Finance Sector: How Greene County Bancorp Inc. Compares
How Greene County Bancorp Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Greene County Bancorp Inc. Stock Overvalued? GCBC Valuation Analysis 2026
Based on fundamental analysis, Greene County Bancorp Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Greene County Bancorp Inc. Balance Sheet: GCBC Debt, Cash & Liquidity
GCBC Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Greene County Bancorp Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $1.45 reflects profitable operations.
GCBC Revenue Growth, EPS Growth & YoY Performance
Greene County Bancorp Inc. Dividends, Buybacks & Capital Allocation
GCBC SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Greene County Bancorp Inc. (CIK: 0001070524)
📋 Recent SEC Filings
❓ Frequently Asked Questions about GCBC
What is the AI rating for GCBC?
Greene County Bancorp Inc. (GCBC) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 66% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are GCBC's key strengths?
Claude: Exceptional revenue growth of 95.8% year-over-year indicates strong market demand or successful expansion. High net profit margin of 29.4% demonstrates efficient cost management and strong operational profitability. ChatGPT: Strong recent growth in revenue, net income, and diluted EPS. Healthy profitability profile with 33.4% operating margin and 29.4% net margin.
What are the risks of investing in GCBC?
Claude: Critically low ROA of 0.6% suggests poor asset utilization and efficiency relative to $3.1B asset base. Interest coverage ratio of 0.6x indicates insufficient earnings to cover interest obligations, raising debt service concerns. ChatGPT: Low ROA of 0.6% and ROE of 7.4% indicate only moderate balance-sheet efficiency. Interest coverage of 0.6x suggests limited cushion relative to interest burden.
What is GCBC's revenue and growth?
Greene County Bancorp Inc. reported revenue of $65.1M.
Does GCBC pay dividends?
Greene County Bancorp Inc. pays dividends, with $1.6M distributed to shareholders in the trailing twelve months.
Where can I find GCBC SEC filings?
Official SEC filings for Greene County Bancorp Inc. (CIK: 0001070524) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is GCBC's EPS?
Greene County Bancorp Inc. has a diluted EPS of $1.13.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is GCBC a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Greene County Bancorp Inc. has a HOLD rating with 66% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is GCBC stock overvalued or undervalued?
Valuation metrics for GCBC: ROE of 7.4% (sector avg: 12%), net margin of 29.4% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy GCBC stock in 2026?
Our dual AI analysis gives Greene County Bancorp Inc. a combined HOLD rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is GCBC's free cash flow?
Greene County Bancorp Inc.'s operating cash flow is $13.4M, with capital expenditures of $611.0K. FCF margin is 19.6%.
How does GCBC compare to other Finance stocks?
Vs Finance sector averages: Net margin 29.4% (avg: 25%), ROE 7.4% (avg: 12%), current ratio N/A (avg: 1.2).