Greene County Bancorp, Inc.: Leads amongst peers with strong fundamentals

Greene County Bancorp, Inc. relative valuation is UNDERVALUED and it has a fundamental analysis score of 89.

Our analysis is based on comparing Greene County Bancorp, Inc. with the following peers – Pathfinder Bancorp Inc, Flushing Financial Corporation, Northeast Community Bancorp, Inc., Astoria Financial Corporation, Elmira Savings Bank, Carver Bancorp Inc., TrustCo Bank Corp NY, Northwest Bancshares, Inc. and Lake Shore Bancorp, Inc. (PBHC-US, FFIC-US, NECB-US, AF-US, ESBK-US, CARV-US, TRST-US, NWBI-US and LSBK-US).

Greene County Bancorp, Inc. has shown good performance overall, both over the last one year (at 63.42%) as well as over the last month (at 14.95%). Share price performance over the last month, though has been lower than that over the last year. But Greene County Bancorp, Inc.’s stock has done better than its overall peer group whose performance was -0.67% over the last month.

Company Snapshot

  • Considering peers, relative outperformance over the last year and the last month suggest a leading position.
  • It currently trades at a Price/Book ratio of (2.87).
  • GCBC-US‘s operating performance is relatively good compared to its peers. The market currently does not expect high earnings growth relative to its peers but seems to expect the company to maintain its relatively high rates of return.
  • GCBC-US has a successful operating model with relatively high net profit margins and capital turns.
  • The company’s year-on-year change in revenues and earnings are better than the median among its peer group.
  • GCBC-US‘s return on equity currently and over the past five years suggest that its relatively high operating returns are sustainable.
  • While the company’s lending operations do not seem to benefit from any relative pricing advantage its margins suggest relatively low operating costs.
  • While GCBC-US‘s revenues in recent years have grown faster than the peer median, the market gives the stock a P/E ratio that is around peer median suggesting that the market has some questions about the company’s long-term strategy.
  • The company’s level of equity capital investment seems appropriate to support the company’s growth.
  • Our analysis rates Greene County Bancorp, Inc. as UNDERVALUED relative to its peers.

Share Price Performance

Considering peers, relative outperformance over the last year and the last month suggest a leading position.

GCBC-US‘s share price performance of 63.42% over the last 12 months is above peer median of 27.52%. The 30-day trend in its share price performance of 14.95% is also above the peer median of -0.67% suggesting that this company is a leading performer relative to its peers.

Share Price Performance

Quadrant label definitions. Hover to know more

Leading, Fading, Lagging, Rising

Relative Valuation

Relative Valuation
Fundamental Score

Greene County Bancorp, Inc.’s price of USD 27.30 is lower than CapitalCube’s implied price of USD 30.98. CapitalCube believes that at these levels, Greene County Bancorp, Inc. is undervalued and has upside potential. Over the last 52 week period, the stock has fluctuated between USD 15.40 and USD 28.50.

Valuation & Peer Metrics

A complete list of valuation metrics is available on the company page.

Company Profile

Greene County Bancorp, Inc. operates as a bank holding company for Bank of Greene County. It attracts deposits from customers and invests in loans and securities. Its services include personal banking, checking accounts, savings accounts, loans, commercial lending, business accounts, municipal banking services and investment services. Greene County Bancorp was founded in December 1998 and is headquartered in Catskill, NY.

Disclaimer

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