📊 GCBC Key Takeaways
Is Greene County Bancorp Inc. (GCBC) a Good Investment?
Greene County Bancorp demonstrates exceptional profitability with 30.4% net margins and strong 25.7% net income growth, supported by substantial revenue expansion of 95.8% YoY. However, the 0.9% ROA indicates efficiency challenges typical of asset-heavy banking models, and the interest coverage ratio of 0.9x warrants investigation into underlying earnings quality.
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 net margin of 30.4% and operating margin of 34.7% indicates strong cost control and pricing power
- Strong earnings growth with 25.7% net income increase and 26.2% EPS growth YoY
- Conservative balance sheet with zero debt, $267.6M equity, and $139.4M cash position provides financial flexibility
- 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
- ROA of 0.9% is below typical bank benchmarks (1.0-1.5%), indicating suboptimal asset efficiency
- Interest coverage of 0.9x suggests net income may be insufficient relative to interest obligations, signaling earnings quality concerns
- Unexplained 95.8% revenue growth may reflect acquisitions, one-time gains, or accounting changes rather than organic improvement
- 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
- Return on Assets trend - critical indicator of banking operational efficiency
- Interest coverage ratio drivers and sustainability of current earnings relative to obligations
- Organic revenue growth rate and contribution from M&A activity
- ROA and ROE improvement
- Net interest margin and interest coverage trend
Greene County Bancorp Inc. (GCBC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 24.0% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. 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. appears fundamentally strong 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 BUY from Claude (BUY) and ChatGPT (HOLD) with 72% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are GCBC's key strengths?
Claude: Exceptional net margin of 30.4% and operating margin of 34.7% indicates strong cost control and pricing power. Strong earnings growth with 25.7% net income increase and 26.2% EPS growth YoY. 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: ROA of 0.9% is below typical bank benchmarks (1.0-1.5%), indicating suboptimal asset efficiency. Interest coverage of 0.9x suggests net income may be insufficient relative to interest obligations, signaling earnings quality 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 $97.7M.
Does GCBC pay dividends?
Greene County Bancorp Inc. pays dividends, with $3.3M 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 $1.74.
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 May 2026, Greene County Bancorp Inc. has a BUY rating with 72% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is GCBC stock overvalued or undervalued?
Valuation metrics for GCBC: ROE of 11.1% (sector avg: 12%), net margin of 30.4% (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 BUY 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 $24.0M, with capital expenditures of $624.0K. FCF margin is 24.0%.
How does GCBC compare to other Finance stocks?
Vs Finance sector averages: Net margin 30.4% (avg: 25%), ROE 11.1% (avg: 12%), current ratio N/A (avg: 1.2).