Greene County Financials

GCBC Stock  USD 30.42  0.06  0.20%   
Based on the key measurements obtained from Greene County's financial statements, Greene County Bancorp is not in a good financial situation at this time. It has a very high probability of going through financial hardship in January. At present, Greene County's Total Stockholder Equity is projected to increase significantly based on the last few years of reporting. The current year's Net Debt is expected to grow to about 6.2 M, whereas Property Plant And Equipment Net is forecasted to decline to about 12.7 M. Key indicators impacting Greene County's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.350.3863
Moderately Down
Slightly volatile
Return On Assets0.00750.0088
Fairly Down
Very volatile
Return On Equity0.080.1202
Way Down
Slightly volatile
Debt Equity Ratio1.020.9667
Notably Up
Slightly volatile
Operating Income16.4 M26.8 M
Way Down
Slightly volatile
Current Ratio0.20.21
Sufficiently Down
Pretty Stable
The financial analysis of Greene County is a critical element in measuring its lifeblood. Investors should not minimize Greene County's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

26.01 Million

  
Understanding current and past Greene County Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Greene County's financial statements are interrelated, with each one affecting the others. For example, an increase in Greene County's assets may result in an increase in income on the income statement.
Please note, the presentation of Greene County's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Greene County's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Greene County's management manipulating its earnings.

Greene County Stock Summary

Greene County competes with Affinity Bancshares, Auburn National, BayCom Corp, First Community, and LINKBANCORP. Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. Greene County Bancorp, Inc. is a subsidiary of Greene County Bancorp, MHC. Greene County operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 191 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS3943571071
CUSIP394357107
LocationNew York; U.S.A
Business Address302 Main Street,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitegreenecountybancorp.q4ir.com
Phone518 943 2600
CurrencyUSD - US Dollar

Greene County Key Financial Ratios

Greene County Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets1.7B2.2B2.6B2.7B2.8B3.0B
Net Debt(19.0M)(131.7M)99.9M(151.5M)5.9M6.2M
Retained Earnings118.3M139.8M165.1M193.7M214.7M225.5M
Cash44.5M154.3M73.1M201.0M190.4M199.9M
Other Assets773.1M745.1M897.1M1.2B129.5M123.0M
Net Receivables8.2M7.8M8.9M12.2M14.3M15.0M
Total Liab1.5B2.1B2.4B49.5M2.6B2.8B
Total Current Assets279.4M553.0M490.1M494.4M71.5M68.0M
Other Current Liab(17.9M)(3M)(123.7M)2.1B(115.3M)(109.5M)
Accounts Payable1.5B2.0B2.2B2.4B2.8B2.9B
Other Liab12.6M13.7M16.1M18.5M21.2M22.3M
Long Term Debt25.5M19.6M49.3M49.5M83.8M88.0M
Inventory(52.7M)(162.2M)(82.1M)(213.6M)(261.9M)(248.8M)
Short Term Debt17.9M3M123.7M455K115.3M121.1M
Net Tangible Assets128.8M149.6M157.7M183.3M210.8M112.1M
Other Current Assets52.7M8.5M15.2M17.5M207.5M217.9M
Short Long Term Debt8M17.9M3M123.7M115.3M121.1M

Greene County Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense8.5M5.2M5.4M23.4M52.7M55.3M
Total Revenue53.5M62.8M70.1M73.4M64.1M67.3M
Gross Profit53.5M62.8M70.1M73.4M64.1M67.3M
Operating Income21.8M27.6M38.3M35.8M26.8M16.4M
Ebit21.8M27.6M32.9M35.8M26.8M16.1M
Ebitda22.5M28.4M33.7M36.7M27.7M17.1M
Income Before Tax21.8M27.6M32.9M35.8M26.8M28.2M
Net Income18.7M23.9M28.0M30.8M24.8M26.0M
Income Tax Expense3.0M3.7M4.9M5.0M2.0M2.4M
Tax Provision3.0M3.7M4.9M5.0M2.1M3.9M
Net Interest Income44.8M53.1M58.0M61.2M51.0M46.5M
Interest Income53.3M58.3M63.4M84.6M103.7M59.0M

Greene County Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash10.9M109.3M(80.8M)127.4M(6.1M)(5.7M)
Free Cash Flow25.6M26.5M34.3M26.6M23.4M24.6M
Depreciation713K775K826K871K928K709.7K
Other Non Cash Items(19K)(424K)2.2M(1.2M)(624K)(592.8K)
Capital Expenditures1.1M1.3M1.1M1.5M1.5M939.5K
Net Income18.7M23.9M28.0M30.8M24.8M26.0M
End Period Cash Flow40.5M149.8M69.0M196.4M190.4M199.9M
Dividends Paid2.2M2.4M2.6M2.2M3.2M1.7M
Change To Netincome2.9M1.2M1.3M73K84.0K79.8K
Investments(396.7M)(283.4M)(458.6M)661K(129.2M)(135.7M)
Change Receivables(796K)(2.4M)426K(1.1M)(1.0M)(971.3K)
Net Borrowings11.9M(2.9M)26.5M(123.7M)(111.3M)(105.8M)

Greene Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Greene County's current stock value. Our valuation model uses many indicators to compare Greene County value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Greene County competition to find correlations between indicators driving Greene County's intrinsic value. More Info.
Greene County Bancorp is one of the top stocks in return on equity category among its peers. It is rated # 2 in return on asset category among its peers reporting about  0.07  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Greene County Bancorp is roughly  13.94 . At present, Greene County's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Greene County's earnings, one of the primary drivers of an investment's value.

Greene County Bancorp Systematic Risk

Greene County's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Greene County volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was ten with a total number of output elements of fifty-one. The Beta measures systematic risk based on how returns on Greene County Bancorp correlated with the market. If Beta is less than 0 Greene County generally moves in the opposite direction as compared to the market. If Greene County Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Greene County Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Greene County is generally in the same direction as the market. If Beta > 1 Greene County moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Greene County Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Greene County's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Greene County growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(1.06)

At present, Greene County's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Greene County December 1, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Greene County help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Greene County Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Greene County Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Greene Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Greene County's daily price indicators and compare them against related drivers.

Complementary Tools for Greene Stock analysis

When running Greene County's price analysis, check to measure Greene County's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Greene County is operating at the current time. Most of Greene County's value examination focuses on studying past and present price action to predict the probability of Greene County's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Greene County's price. Additionally, you may evaluate how the addition of Greene County to your portfolios can decrease your overall portfolio volatility.
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