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Upturn AI SWOT - About
GCBC 
Greene County Bancorp Inc (GCBC)
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Upturn Advisory Summary
04/01/2025: GCBC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 9.8% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 531.58M USD | Price to earnings Ratio 21.68 | 1Y Target Price - |
Price to earnings Ratio 21.68 | 1Y Target Price - | ||
Volume (30-day avg) 58754 | Beta 0.41 | 52 Weeks Range 21.75 - 36.92 | Updated Date 03/30/2025 |
52 Weeks Range 21.75 - 36.92 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 1.13% | Basic EPS (TTM) 1.44 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 38.33% | Operating Margin (TTM) 43.17% |
Management Effectiveness
Return on Assets (TTM) 0.88% | Return on Equity (TTM) 12.27% |
Valuation
Trailing PE 21.68 | Forward PE - | Enterprise Value 460308576 | Price to Sales(TTM) 6.27 |
Enterprise Value 460308576 | Price to Sales(TTM) 6.27 | ||
Enterprise Value to Revenue 9.9 | Enterprise Value to EBITDA - | Shares Outstanding 17026800 | Shares Floating 6933495 |
Shares Outstanding 17026800 | Shares Floating 6933495 | ||
Percent Insiders 59.27 | Percent Institutions 15.72 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Greene County Bancorp Inc
Company Overview
History and Background
Greene County Bancorp, Inc. operates as the holding company for The Bank of Greene County, founded in 1889. It has evolved from a local savings bank to a community bank offering a range of financial services across multiple branches in New York.
Core Business Areas
- Community Banking: Provides traditional banking services, including deposit accounts, loans, and other financial products to individuals and businesses in its market area.
- Residential Mortgage Lending: Originates and services residential mortgage loans. A key revenue driver for the Bank.
- Commercial Lending: Offers commercial real estate loans, commercial and industrial loans, and other business-related financing options.
Leadership and Structure
Donald Gibson is the President and CEO. The organizational structure consists of executive management overseeing various departments, including lending, operations, and finance, reporting to a Board of Directors.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Primarily 1-4 family mortgages. Market share is regional. Competitors: Larger national banks and mortgage companies. Revenue contributions fluctuate with interest rates and market conditions.
- Commercial Real Estate Loans: Loans for various commercial properties. Market share is regional. Competitors: Other community banks and larger commercial lenders. Revenue derived is from interest earned on these loans.
- Deposit Accounts: Checking, savings, and money market accounts for consumers and businesses. Market share is regional. Competitors: Other banks and credit unions. These accounts provide a stable funding source.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, regulatory scrutiny, and margin pressure due to low interest rates and rising operating costs. Digital transformation and cybersecurity are also key challenges.
Positioning
Greene County Bancorp positions itself as a community-focused bank, emphasizing personalized service and local decision-making. This differentiates it from larger, more impersonal national banks.
Total Addressable Market (TAM)
The TAM includes all individuals and businesses within its geographic footprint requiring banking services. Greene County Bancorp holds a relatively small portion, indicating room for growth through market penetration and expansion.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Local market expertise
- Conservative lending practices
- Experienced management team
Weaknesses
- Limited geographic reach
- Lack of product diversification
- Susceptibility to regional economic downturns
- Smaller scale compared to national competitors
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking services
- Acquisition of smaller community banks
- Growing demand for local banking services
Threats
- Rising interest rates
- Increased competition from online lenders
- Regulatory changes
- Economic recession
Competitors and Market Share
Key Competitors
- Catskill Hudson Bancorp, Inc. (CSBQ)
- First Columbia Financial Corp (FCFN)
- Other regional community banks
Competitive Landscape
Greene County Bancorp faces competition from larger national banks and smaller community banks. Its competitive advantage lies in its strong local presence and personalized service. However, it must continuously adapt to technological changes and regulatory requirements to remain competitive.
Major Acquisitions
Beacon Bancorp
- Year: 2018
- Acquisition Price (USD millions): 12.7
- Strategic Rationale: Expanded market presence in the Hudson Valley region.
Growth Trajectory and Initiatives
Historical Growth: Greene County Bancorp has experienced moderate growth in recent years, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project continued growth in the coming years, driven by loan growth and efficiency improvements. Revenue is forecasted to grow by 5-7% annually.
Recent Initiatives: Recent initiatives include expanding its digital banking platform, opening new branches in strategic locations, and investing in technology upgrades.
Summary
Greene County Bancorp is a financially stable community bank with a solid history and strong local ties. Its conservative approach and community focus are working well. However, it faces challenges from larger competitors and the changing financial landscape. Future success hinges on adapting to digital trends and expanding its market reach while maintaining its community-oriented approach.
Similar Companies
- CSBQ
- FCFN
- ESSA
- UCBI
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q), Analyst reports, Financial news sources
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Investment decisions should be based on individual circumstances and professional advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Greene County Bancorp Inc
Exchange NASDAQ | Headquaters Catskill, NY, United States | ||
IPO Launch date 1998-12-31 | President, CEO & Director Mr. Donald E. Gibson | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 189 | |
Full time employees 189 | |||
Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. The company's deposit products include savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. It also offers loan products, such as residential, construction and land, and multifamily loans; commercial real estate mortgage loans; consumer loans, including loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans comprising passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. In addition, the company engages in provision of transaction processing and investment brokerage services through third-party service provider; and investment and sale of securities; and operates banking office, lending centers, operations center, customer call center, and wealth management center. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. operates as a subsidiary of Greene County Bancorp, MHC.
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