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Price (delayed)
$30.87
Market cap
$525.62M
P/E Ratio
21.44
Dividend/share
$0.34
EPS
$1.44
Enterprise value
$454.66M
Headquartered in Catskill, New York, Greene County Bancorp, Inc. is the parent company of the Bank of Greene County, the only locally based Bank with offices in Ulster, Greene, Columbia
Highlights
The equity has increased by 17% year-on-year and by 5% since the previous quarter
GCBC's debt has soared by 164% YoY but it is down by 28% QoQ
The stock's price to earnings (P/E) is 51% more than its 5-year quarterly average of 14.2 and 4.1% more than its last 4 quarters average of 20.6
Greene County Bancorp's EPS has decreased by 13% YoY
Key stats
What are the main financial stats of GCBC
Market
Valuations
Earnings
Shares outstanding
17.03M
Market cap
$525.62M
Enterprise value
$454.66M
Price to earnings (P/E)
21.44
Price to book (P/B)
2.43
Price to sales (P/S)
8.2
EV/EBIT
17.44
EV/EBITDA
16.81
EV/Sales
7.1
Revenue
$64.08M
EBIT
$26.07M
EBITDA
$27.04M
Free cash flow
$19.62M
Per share
Balance sheet
Liquidity
EPS
$1.44
Free cash flow per share
$1.15
Book value per share
$12.7
Revenue per share
$3.76
TBVPS
$168.83
Total assets
$2.87B
Total liabilities
$2.66B
Debt
$142.51M
Equity
$216.3M
Working capital
N/A
Debt to equity
0.66
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.62
Margins
Efficiency
Dividend
EBITDA margin
42.2%
Gross margin
100%
Net margin
38.3%
Operating margin
40.7%
Return on assets
0.9%
Return on equity
12%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
40.7%
Dividend yield
1.1%
DPS
$0.34
Payout ratio
23.6%
GCBC stock price
How has the Greene County Bancorp stock price performed over time
Intraday
-1.12%
1 week
-9.5%
1 month
7.97%
1 year
21.39%
YTD
9.47%
QTD
-0.1%
Financial performance
How have Greene County Bancorp's revenue and profit performed over time
Revenue
$64.08M
Gross profit
$64.08M
Operating income
$26.07M
Net income
$24.56M
Gross margin
100%
Net margin
38.3%
Greene County Bancorp's operating income has decreased by 20% YoY and by 2.8% from the previous quarter
Greene County Bancorp's net income has decreased by 13% YoY
Greene County Bancorp's operating margin has decreased by 11% YoY and by 2.6% from the previous quarter
GCBC's gross profit is down by 10% year-on-year
Growth
What is Greene County Bancorp's growth rate over time
Valuation
What is Greene County Bancorp stock price valuation
P/E
21.44
P/B
2.43
P/S
8.2
EV/EBIT
17.44
EV/EBITDA
16.81
EV/Sales
7.1
The stock's price to earnings (P/E) is 51% more than its 5-year quarterly average of 14.2 and 4.1% more than its last 4 quarters average of 20.6
Greene County Bancorp's EPS has decreased by 13% YoY
The equity has increased by 17% year-on-year and by 5% since the previous quarter
GCBC's P/B is 10% above its 5-year quarterly average of 2.2 but 2.8% below its last 4 quarters average of 2.5
GCBC's P/S is 44% above its 5-year quarterly average of 5.7 and 3.8% above its last 4 quarters average of 7.9
The revenue has contracted by 10% YoY
Efficiency
How efficient is Greene County Bancorp business performance
The return on invested capital has declined by 25% year-on-year and by 10% since the previous quarter
Greene County Bancorp's return on equity has decreased by 24% YoY and by 4.8% QoQ
Greene County Bancorp's ROA has decreased by 18% YoY
Greene County Bancorp's return on sales has decreased by 11% YoY and by 2.6% QoQ
Dividends
What is GCBC's dividend history
DPS
$0.34
Dividend yield
1.1%
Payout ratio
23.6%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Greene County Bancorp financials performed over time
The total assets is 8% greater than the total liabilities
The total assets is up by 7% year-on-year
Greene County Bancorp's total liabilities has increased by 6% YoY
GCBC's debt is 34% lower than its equity
GCBC's debt has soared by 164% YoY but it is down by 28% QoQ
GCBC's debt to equity has soared by 128% year-on-year but it is down by 32% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.