Greene County Bancorp, Inc. (GCBC) Financial Ratios
28 years of historical data (1998–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
12.28
+6% vs avg
5yr avg: 11.56
30Y Low3.8·High20.9
P/FCF
↑
18.15
+17% vs avg
5yr avg: 15.55
30Y Low7.4·High125.2
P/B Ratio
↓
2.07
-7% vs avg
5yr avg: 2.24
30Y Low0.7·High3.0
ROE
↓
14.0%
-13% vs avg
5yr avg: 16.0%
30Y Low4%·High18%
Debt/EBITDA
↑
3.58
↓-1% vs avg
5yr avg: 3.61
30Y Low0.8·High7.2
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
GCBC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Greene County Bancorp, Inc. trades at 15.9x earnings, 5% above its 5-year average of 15.1x, sitting at the 41st percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 17%. On a free-cash-flow basis, the stock trades at 18.2x P/FCF, 17% above the 5-year average of 15.6x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $495M | $378M | $574M | $507M | $386M | $239M | $190M | $251M | $289M | $232M | $138M |
| Enterprise Value | $439M | $322M | $580M | $356M | $486M | $108M | $171M | $240M | $279M | $243M | $166M |
| P/E Ratio → | 15.90 | 12.14 | 23.25 | 16.46 | 13.73 | 9.97 | 10.14 | 14.42 | 19.94 | 20.61 | 15.36 |
| P/S Ratio | 3.73 | 2.85 | 4.88 | 5.24 | 5.10 | 3.52 | 3.07 | 4.59 | 6.23 | 5.81 | 3.97 |
| P/B Ratio | 2.07 | 1.58 | 2.79 | 2.77 | 2.45 | 1.60 | 1.48 | 2.24 | 3.01 | 2.77 | 1.86 |
| P/FCF | 18.15 | 13.87 | 24.53 | 19.10 | 11.24 | 9.03 | 7.43 | 11.94 | 14.22 | 16.57 | 10.38 |
| P/OCF | 17.70 | 13.52 | 23.04 | 18.05 | 10.91 | 8.63 | 7.12 | 11.62 | 14.00 | 16.48 | 10.16 |
P/E links to full P/E history page with 30-year chart
GCBC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Greene County Bancorp, Inc.'s enterprise value stands at 12.3x EBITDA, 6% above its 5-year average of 11.6x. The Financial Services sector median is 11.4x, placing the stock at a 8% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.42 | 4.93 | 3.68 | 6.42 | 1.58 | 2.76 | 4.40 | 6.00 | 6.08 | 4.78 |
| EV / EBITDA | 12.28 | 9.01 | 20.90 | 9.70 | 14.39 | 3.79 | 7.62 | 11.10 | 14.56 | 15.59 | 13.55 |
| EV / EBIT | 12.66 | 9.29 | 21.62 | 9.93 | 14.76 | 3.90 | 7.87 | 11.43 | 15.06 | 16.26 | 14.28 |
| EV / FCF | — | 11.80 | 24.78 | 13.39 | 14.15 | 4.06 | 6.68 | 11.43 | 13.69 | 17.37 | 12.51 |
GCBC Profitability
Margins and return-on-capital ratios measuring operating efficiency
Greene County Bancorp, Inc. earns an operating margin of 26.1%, above the Financial Services sector average of 20.3%. Operating margins have compressed from 37.0% to 26.1% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 14.0% is modest. ROIC of 6.7% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 55.7% | 55.7% | 54.5% | 76.9% | 88.5% | 86.5% | 80.0% | 85.4% | 88.1% | 87.5% | 87.8% |
| Operating Margin | 26.1% | 26.1% | 22.8% | 37.0% | 43.5% | 40.6% | 35.1% | 38.5% | 39.9% | 37.4% | 33.5% |
| Net Profit Margin | 23.4% | 23.4% | 21.1% | 31.8% | 37.0% | 35.2% | 30.2% | 32.0% | 31.0% | 28.0% | 25.8% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 14.0% | 14.0% | 12.7% | 18.1% | 18.2% | 17.2% | 15.5% | 16.8% | 16.0% | 14.2% | 12.7% |
| ROA | 1.1% | 1.1% | 0.9% | 1.2% | 1.2% | 1.2% | 1.3% | 1.4% | 1.4% | 1.2% | 1.1% |
| ROIC | 6.7% | 6.7% | 6.3% | 9.5% | 9.8% | 12.7% | 11.3% | 12.7% | 12.2% | 9.6% | 7.6% |
| ROCE | 10.7% | 10.7% | 9.7% | 16.3% | 17.5% | 18.1% | 16.6% | 17.5% | 16.8% | 14.9% | 12.9% |
GCBC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Greene County Bancorp, Inc. carries a Debt/EBITDA ratio of 3.6x, which is moderately leveraged (16% below the sector average of 4.3x). The company holds a net cash position — cash of $185M exceeds total debt of $128M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.6x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.54 | 0.54 | 0.97 | 0.27 | 1.10 | 0.15 | 0.20 | 0.19 | 0.19 | 0.35 | 0.62 |
| Debt / EBITDA | 3.58 | 3.58 | 7.18 | 1.35 | 5.13 | 0.80 | 1.13 | 1.00 | 0.95 | 1.90 | 3.78 |
| Net Debt / Equity | — | -0.24 | 0.03 | -0.83 | 0.63 | -0.88 | -0.15 | -0.10 | -0.11 | 0.13 | 0.38 |
| Net Debt / EBITDA | -1.58 | -1.58 | 0.21 | -4.13 | 2.96 | -4.64 | -0.85 | -0.50 | -0.56 | 0.71 | 2.31 |
| Debt / FCF | — | -2.07 | 0.25 | -5.70 | 2.91 | -4.97 | -0.74 | -0.51 | -0.53 | 0.80 | 2.13 |
| Interest Coverage | 0.60 | 0.60 | 0.51 | 1.53 | 6.05 | 5.33 | 2.57 | 3.33 | 4.61 | 4.85 | 4.51 |
Net cash position: cash ($185M) exceeds total debt ($128M)
GCBC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.19x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.19 | 0.19 | 0.22 | 0.21 | 0.21 | 0.28 | 0.18 | 0.14 | 0.15 | 0.13 | 0.16 |
| Quick Ratio | 0.19 | 0.19 | 0.22 | 0.21 | 0.21 | 0.28 | 0.18 | 0.14 | 0.15 | 0.13 | 0.16 |
| Cash Ratio | 0.07 | 0.07 | 0.08 | 0.08 | 0.03 | 0.08 | 0.03 | 0.03 | 0.03 | 0.02 | 0.02 |
| Asset Turnover | — | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
GCBC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Greene County Bancorp, Inc. returns 0.9% to shareholders annually primarily through dividends. The payout ratio of 14.4% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 6.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.9% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 14.4% | 14.4% | 13.1% | 7.1% | 9.4% | 10.1% | 12.0% | 11.7% | 10.6% | 17.2% | 20.7% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.3% | 8.2% | 4.3% | 6.1% | 7.3% | 10.0% | 9.9% | 6.9% | 5.0% | 4.9% | 6.5% |
| FCF Yield | 5.5% | 7.2% | 4.1% | 5.2% | 8.9% | 11.1% | 13.5% | 8.4% | 7.0% | 6.0% | 9.6% |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.9% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $17M | $17M | $17M | $17M | $17M | $17M | $17M | $17M | $17M | $17M |
Peer Comparison
Compare GCBC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 GCBCYou | $495M | 15.9 | 12.3 | 18.2 | 55.7% | 26.1% | 14.0% | 6.7% | 3.6 |
 CZWI | $213M | 15.2 | 16.4 | 20.5 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 NECB | $359M | 8.0 | 5.6 | 7.1 | 66.1% | 39.6% | 13.3% | 12.5% | 1.2 |
 NBTB | $2B | 14.2 | 10.8 | 11.3 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 TRST | $935M | 16.3 | 12.0 | 20.5 | 67.1% | 29.2% | 9.0% | 7.2% | 2.1 |
 FISI | $746M | 10.5 | 10.6 | 54.8 | 61.7% | 24.2% | 12.5% | 7.7% | 3.7 |
 SRCE | $2B | 12.0 | 10.1 | 8.9 | 70.3% | 34.2% | 12.7% | 9.7% | 1.6 |
 CNOB | $2B | 22.1 | 24.1 | 16.3 | 44.2% | 18.6% | 5.7% | 3.5% | 10.4 |
 NFBK | $601M | 726.3 | 63.2 | 11.5 | 35.3% | 9.3% | 0.1% | 0.8% | 39.6 |
 PBHC | $100M | -30.0 | — | 9.6 | 38.5% | -5.2% | -2.8% | -1.3% | — |
 FIS | $19B | 50.3 | 6.3 | 6.9 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 28 years · Updated daily
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GCBC — Frequently Asked Questions
Quick answers to the most common questions about buying GCBC stock.
What is Greene County Bancorp, Inc.'s P/E ratio?
Greene County Bancorp, Inc.'s current P/E ratio is 15.9x. The historical average is 17.7x. This places it at the 41th percentile of its historical range.
What is Greene County Bancorp, Inc.'s EV/EBITDA?
Greene County Bancorp, Inc.'s current EV/EBITDA is 12.3x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 11.5x.
What is Greene County Bancorp, Inc.'s ROE?
Greene County Bancorp, Inc.'s return on equity (ROE) is 14.0%. The historical average is 11.0%.
Is GCBC stock overvalued?
Based on historical data, Greene County Bancorp, Inc. is trading at a P/E of 15.9x. This is at the 41th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Greene County Bancorp, Inc.'s dividend yield?
Greene County Bancorp, Inc.'s current dividend yield is 0.90% with a payout ratio of 14.4%.
What are Greene County Bancorp, Inc.'s profit margins?
Greene County Bancorp, Inc. has 55.7% gross margin and 26.1% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Greene County Bancorp, Inc. have?
Greene County Bancorp, Inc.'s Debt/EBITDA ratio is 3.6x, indicating high leverage. A ratio between 2-4x is manageable but warrants monitoring.