GCBC
GREENE COUNTY BANCORP INC
Financials • CIK: 0001070524
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Market Cap
$378.51M
P/E (TTM)
10.4x
Rev Growth (TTM)
+25.6%
Net Margin (TTM)
43.4%
FCF Yield (TTM)
8.7%
FCF Margin (TTM)
39.1%
Cash Flow Health
Free Cash Flow8/8 positive
TTM$33M
Q2 '26
$6M-5%
Q '26
$7M-49%
FCF Margin
TTM39.1%
Q2 '2628.0%-8%
Sector: 22.2%Top 25%
OCF Margin40.2%
OCF/NI0.93x
CapEx Coverage35.0x
FCF Yield8.7%
FCF Growth (2Y)+2%
Cash Conversion Cycle
0 days
DSO: 0+DIO: 0−DPO: 0
Capital Allocation & Returns
Total Shareholder Yield
TTM0.0%
Div Yield0.0%
Insufficient data
Dividend & Payout Metrics
Dividend Yield (TTM)0.0%
Free Cash Flow (TTM)$32.9M
Capital Return / FCF9.0%
Est. Dividends Paid (TTM)$0
Shows how management rewards shareholders
Operational Efficiency & Returns
Return on Invested CapitalTTM
48.1%
Volatile
+0.4% YoY+100.4%
P25MedianP75
75th pctl (med: 0.1%)
DuPont BreakdownROIC = Margin × Turn × (1+D/E)
NOPAT Margin
45.1%
8Q: 43.1%
Asset Turnover
0.03x
8Q: 0.03x
Leverage (1+D/E)
1.00x
D/E: 0.00x
DuPont: 1.2% ≈ 48.1% ROIC
Asset & CapEx Efficiency
Fixed Asset Turn
5.51x
8Q:4.94x
+173.1%
Invested Cap Turn
1.07x
8Q:1.21x
+413.8%
CapEx Intensity
1.2%
8Q:1.3%
Asset-based ROIC formula
QUARTERLY TRENDS
Last 8 quarters + TTM
| Metric | TTM | Q2 2026 | Q 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q 2025 | Q4 2024 | Q 2024 |
|---|---|---|---|---|---|---|---|---|---|
Revenue | $84.3M | $22.2M↑3.3% | $21.5M↑5.1% | $20.5M↑2.0% | $20.1M↑11.8% | $17.9M↑6.3% | $16.9M↑1.8% | $16.6M↑5.5% | $15.7M |
Operating Income | $43.3M | $11.8M↑2.7% | $11.4M↑13.6% | $10.1M↑0.5% | $10.0M↑17.2% | $8.6M↑16.9% | $7.3M↑9.6% | $6.7M↑3.2% | $6.5M |
Net Income | $36.5M | $10.3M↑16.0% | $8.9M↓5.0% | $9.3M↑15.9% | $8.1M↑7.5% | $7.5M↑19.6% | $6.3M↓7.0% | $6.7M↑14.9% | $5.9M |
Operating Cash Flow | $33.9M | $6.4M↓7.5% | $7.0M↓47.4% | $13.2M↑80.9% | $7.3M↑37.6% | $5.3M↑147.0% | $2.1M↓80.6% | $11.1M↑98.1% | $5.6M |
Free Cash Flow | $32.9M | $6.2M↓5.0% | $6.5M↓49.3% | $12.9M↑78.0% | $7.3M↑41.4% | $5.1M↑156.8% | $2.0M↓81.6% | $10.9M↑120.8% | $4.9M |
Total Equity | N/A |
Valuation Analysis
Fair Value
Price-to-EarningsTTM
10.4x
Valuation Lenses
Earnings
10.4x
vs – sector
Cash Flow
7.3x
EV/FCF vs –
Growth-Adj
0.3xPEG
Undervalued for growth
Quality-Adj
0.2P/E per %ROIC
ROIC: 48.1%
Shareholder Returns
Dividend
–
Buyback
–
Total Yield
–
Market Cap$378.51M
EV–
Multi-angle valuation analysis with sector context
Business Quality & Moat
Overall Quality Score
68/100
High Quality
Composite score: Returns (40%) + Consistency (30%) + Earnings Quality (30%)
Returns on Capital
Return on Equity (ROE)Top 25%
15.3%
8Q:–
Return on Invested Capital (ROIC)Top 25%
48.1%
8Q:–
+100.4%
vs Sector:0.1%
DuPont Analysis (ROIC = NOPAT Margin × Asset Turnover)
NOPAT Margin: 45.1%
Asset Turnover: 0.03x
Earnings Quality
Cash Conversion
0.93x
OCF / Net Income
FCF Consistency
–
Positive quarters
Competitive Moat Indicators
Pricing Power
Gross Margin96.5%
Capital Efficiency
Invested Capital Turnover1.07x
Working Capital
Cash Conversion Cycle0 days
Growth Quality & Momentum
Moderate Growth
Growth Quality Score
71/100
Growth 40%
Margins 30%
FCF 20%
Consistency 10%
Growth Rates
Revenue Growth YoY
25.6%
OpInc Growth YoY
37.4%
EPS Growth YoY
39.0%
FCF 3Y CAGR
2.3%
Growth Quality Analysis
⚠Working Capital Drag: FCF growth lagging revenue by 23.2%
✓Sustainability Index: 7.5/10 - Highly sustainable growth
Margin Quality & Sustainability
High Quality
Profitability Cascade
Gross
96.5%
Operating
51.4%
Top 25% in sector
Net
43.4%
Margins Unknown
Earnings Quality Signals
SBC / Revenue
—
FCF vs Net Gap
-4.3 pts
FCF: 39.1% | Net: 43.4%
Quality = stability + cash conversion + low dilution
Balance Sheet & Solvency
Fortress
Net Debt / EBITDA
Net Cash
(0.0x)Net Cash: $124.09M
Interest Coverage
–
+Net cash position: $124.09M
Leverage Metrics
Debt-to-Equity
0.00x
Balance sheet risk & solvency analysis