📊 GCBC Key Takeaways
Is GCBC a Good Investment? Thesis Analysis
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.
Why Buy 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
GCBC Investment Risks to Consider
- 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
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
GCBC Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
GCBC Profitability Ratios
GCBC vs Default Sector
How GREENE COUNTY BANCORP INC compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is GCBC Overvalued or Undervalued?
Based on fundamental analysis, GREENE COUNTY BANCORP INC has mixed fundamental signals relative to the Default 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.
GCBC Balance Sheet & Liquidity
GCBC 5-Year Financial Trend & Growth Analysis
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 Growth Metrics (YoY)
GCBC Capital Allocation
GCBC SEC 10-K & 10-Q Filing 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 an AI rating of HOLD with 62% 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.
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.
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 March 2026, GREENE COUNTY BANCORP INC has a HOLD rating with 62% 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: 15%), net margin of 29.4% (sector avg: 12%). 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 Default stocks?
Vs Default sector averages: Net margin 29.4% (avg: 12%), ROE 7.4% (avg: 15%), current ratio N/A (avg: 1.8).