Greene County Bancorp Inc - Understand $gcbc stock

$GCBC Market Cap: $520.7 Million

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Financial Snapshot

Revenue

$76.34M

TTM

Gross Margin

Net Earnings

$24.77M

TTM

Current Assets

Current Liabilities

$31.43M

Q2 2024

Current Ratio

Total Assets

$2.826B

Q2 2024

Total Liabilities

$2.620B

Q2 2024

Book Value

$206.0M

Q2 2024

Cash

$190.4M

Q2 2024

P/E

21.02

Sep 13, 2024 EST

Free Cash Flow

$12.53M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998
Revenue	$103.7M	$84.63M	$63.44M	$58.33M	$53.31M	$46.31M	$38.93M
YoY Change	22.5%	33.39%	8.77%	9.4%	15.13%	18.96%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2024	2023	2022	2021	2020	2019	2018
Revenue	$103.7M	$84.63M	$63.44M	$58.33M	$53.31M	$46.31M	$38.93M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$871.0K	$826.0K	$780.0K	$710.0K	$640.0K	$640.0K	$640.0K	$630.0K	$550.0K	$620.0K	$740.0K	$840.0K	$740.0K	$920.0K	$860.0K	$1.010M	$980.0K	$830.0K	$570.0K	$510.0K	$560.0K	$480.0K	$430.0K	$240.0K	$210.0K	$150.0K
YoY Change	5.45%	5.9%	9.86%	10.94%	0.0%	0.0%	1.59%	14.55%	-11.29%	-16.22%	-11.9%	13.51%	-19.57%	6.98%	-14.85%	3.06%	18.07%	45.61%	11.76%	-8.93%	16.67%	11.63%	79.17%	14.29%	40.0%	36.36%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018
Interest Expense	$23.41M	$5.439M	$5.183M	$8.481M	$6.308M	$4.014M
YoY Change	330.35%	4.94%	-38.89%	34.45%	57.15%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998
Pretax Income	$26.82M	$35.83M	$32.91M	$27.62M	$21.76M	$21.03M	$18.50M	$14.93M	$11.64M	$9.510M	$9.070M	$9.040M	$8.510M	$8.020M	$7.450M	$7.880M	$5.620M	$5.160M	$4.920M	$6.020M	$6.030M	$5.020M	$3.920M	$2.660M	$2.650M	$2.060M	$2.460M
YoY Change	-25.14%	8.88%	19.16%	26.93%	3.47%	13.64%	23.93%	28.26%	22.4%	4.85%	0.33%	6.23%	6.11%	7.65%	-5.46%	40.21%	8.91%	4.88%	-18.27%	-0.17%	20.12%	28.06%	47.37%	0.38%	28.64%	-16.26%	-20.65%
Income Tax	$2.050M	$5.042M	$4.919M	$3.673M	$3.029M	$3.542M	$4.095M	$3.740M	$2.680M	$2.320M	$2.540M	$2.670M	$2.680M	$2.730M	$2.560M	$2.170M	$1.170M	$910.0K	-$830.0K	$1.260M	$1.230M	$990.0K	$600.0K	$220.0K	$350.0K	$250.0K	$550.0K
% Of Pretax Income	7.64%	14.07%	14.95%	13.3%	13.92%	16.85%	22.13%	25.05%	23.02%	24.4%	28.0%	29.54%	31.49%	34.04%	34.36%	27.54%	20.82%	17.64%	-16.87%	20.93%	20.4%	19.72%	15.31%	8.27%	13.21%	12.14%	22.36%
Net Earnings	$24.77M	$30.79M	$27.99M	$23.94M	$18.73M	$17.48M	$14.41M	$11.19M	$8.960M	$7.190M	$6.530M	$6.370M	$5.830M	$5.290M	$4.890M	$5.720M	$4.460M	$4.250M	$5.750M	$4.760M	$4.800M	$4.030M	$3.320M	$2.440M	$2.310M	$1.810M	$1.910M
YoY Change	-19.54%	10.0%	16.89%	27.85%	7.11%	21.35%	28.76%	24.89%	24.62%	10.11%	2.51%	9.26%	10.21%	8.18%	-14.51%	28.25%	4.94%	-26.09%	20.8%	-0.83%	19.11%	21.39%	36.07%	5.63%	27.62%	-5.24%	-20.75%
Net Earnings / Revenue	23.89%	36.38%	44.11%	41.05%	35.13%	37.76%	37.01%
Basic Earnings Per Share	$1.45	$1.81	$3.29	$2.81	$2.20	$2.05	$1.69
Diluted Earnings Per Share	$1.46	$1.81	$3.287M	$2.81	$2.20	$2.05	$1.69	$1.315M	$1.057M	$845.9K	$770.0K	$753.8K	$694.9K	$635.1K	$591.3K	$694.2K	$536.1K	$506.6K	$687.8K	$564.7K	$580.4K	$494.5K	$411.9K	$304.6K	$288.8K	$217.0K	$240.9K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$15.61M	$15.03M	$14.36M	$16.00M	$15.20M	$13.30M	$13.30M	$13.60M	$14.20M	$14.50M	$14.30M	$14.30M	$14.90M	$15.40M	$14.80M	$15.30M	$15.10M	$13.70M	$10.80M	$7.800M	$5.300M	$4.700M	$5.000M	$5.100M	$5.100M	$3.500M	$2.600M
YoY Change	3.85%	4.64%	-10.24%	5.26%	14.29%	0.0%	-2.21%	-4.23%	-2.07%	1.4%	0.0%	-4.03%	-3.25%	4.05%	-3.27%	1.32%	10.22%	26.85%	38.46%	47.17%	12.77%	-6.0%	-1.96%	0.0%	45.71%	34.62%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets	$2.826B	$2.698B	$2.572B	$2.200B	$1.677B	$1.270B	$1.152B	$982.3M	$868.8M	$738.6M	$674.2M	$633.6M	$590.7M	$547.5M	$495.3M	$460.5M	$379.6M	$325.8M	$307.6M	$294.7M	$284.6M	$257.0M	$220.2M	$185.1M	$167.7M	$152.6M	$140.3M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$31.43M	$28.34M	$28.41M	$23.00M	$21.40M	$14.90M	$11.90M	$9.700M	$9.200M	$7.300M	$5.700M	$4.500M	$5.100M	$3.200M	$3.000M	$2.500M	$1.900M	$1.200M	$700.0K	$1.200M	$900.0K	$1.700M	$900.0K	$600.0K	$500.0K	$400.0K	$500.0K
YoY Change	10.88%	-0.24%	23.53%	7.48%	43.62%	25.21%	22.68%	5.43%	26.03%	28.07%	26.67%	-11.76%	59.38%	6.67%	20.0%	31.58%	58.33%	71.43%	-41.67%	33.33%	-47.06%	88.89%	50.0%	20.0%	25.0%	-20.0%
Deferred Revenue
YoY Change
Short-Term Debt			$0.00	$3.000M	$17.90M
YoY Change			-100.0%	-83.24%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$31.43M	$28.34M	$28.41M	$23.00M	$21.40M	$14.90M	$11.90M	$9.700M	$9.200M	$7.300M	$5.700M	$4.500M	$5.100M	$3.200M	$3.000M	$2.500M	$1.900M	$1.200M	$700.0K	$1.200M	$1.000M	$1.800M	$1.000M	$800.0K	$700.0K	$700.0K	$500.0K
YoY Change	10.88%	-0.24%	23.53%	7.48%	43.62%	25.21%	22.68%	5.43%	26.03%	28.07%	26.67%	-11.76%	59.38%	6.67%	20.0%	31.58%	58.33%	71.43%	-41.67%	20.0%	-44.44%	80.0%	25.0%	14.29%	0.0%	40.0%
Long-Term Debt	$49.68M	$49.50M	$49.31M	$19.60M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	0.38%	0.38%	151.58%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities	$49.68M	$49.50M	$49.31M	$19.60M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	0.38%	0.38%	151.58%
Total Liabilities	$2.620B	$2.515B	$2.414B	$2.051B	$1.548B	$1.157B	$1.055B	$898.8M	$794.5M	$671.7M	$613.0M	$577.5M	$538.0M	$499.4M	$450.8M	$420.3M	$343.3M	$290.4M	$274.0M	$261.9M	$254.8M	$227.8M	$193.8M	$160.0M	$144.1M	$128.7M	$124.5M
YoY Change	4.17%	4.18%	17.71%	32.48%	33.78%	9.65%	17.41%	13.13%	18.28%	9.58%	6.15%	7.34%	7.73%	10.78%	7.26%	22.43%	18.22%	5.99%	4.62%	2.79%	11.85%	17.54%	21.13%	11.03%	11.97%	3.37%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2024	2023	2022	2021	2020	2019	2018	2013	2012
Basic Shares Outstanding	17.03M	17.03M	8.513M	8.513M	8.530M	8.538M	8.514M	4.187M	4.156M
Diluted Shares Outstanding	17.03M	17.03M	8.513M	8.513M	8.530M	8.538M	8.535M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Dividends

Stock Price

Market Cap: $520.68 Million

About Greene County Bancorp Inc

Greene County Bancorp, Inc. is a bank holding company, which engages in the provision of full-service banking including retail, commercial, municipal and investment management. The company is headquartered in Catskill, New York and currently employs 195 full-time employees. The Bank’s principal business consists of attracting retail deposits from the general public in the areas surrounding its branches and investing those deposits, together with funds generated from operations and borrowings, primarily in residential mortgage loans, commercial real estate mortgage loans, consumer loans, home equity loans and commercial business loans. In addition, The Bank invests a significant portion of its assets in state and political subdivision securities and mortgage-backed securities. The Bank offers investment alternatives for customers. The Bank operates a subsidiary, Greene County Commercial Bank, which receives deposits only to the extent of accepting for deposit the funds of the United States and the state of New York and their respective agents, authorities and instrumentalities, and local governments. The Bank also operates a real estate investment trust.

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