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Upturn AI SWOT - About
GCBC 
Greene County Bancorp Inc (GCBC)
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Upturn Advisory Summary
08/14/2025: 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.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit -44.75% | Avg. Invested days 24 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 390.42M USD | Price to earnings Ratio 13.73 | 1Y Target Price - |
Price to earnings Ratio 13.73 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.48 | 52 Weeks Range 19.92 - 36.78 | Updated Date 06/29/2025 |
52 Weeks Range 19.92 - 36.78 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 1.57% | Basic EPS (TTM) 1.67 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 41.11% | Operating Margin (TTM) 48.96% |
Management Effectiveness
Return on Assets (TTM) 0.97% | Return on Equity (TTM) 13.33% |
Valuation
Trailing PE 13.73 | Forward PE - | Enterprise Value 326593152 | Price to Sales(TTM) 5.62 |
Enterprise Value 326593152 | Price to Sales(TTM) 5.62 | ||
Enterprise Value to Revenue 6.78 | Enterprise Value to EBITDA - | Shares Outstanding 17026800 | Shares Floating 6912211 |
Shares Outstanding 17026800 | Shares Floating 6912211 | ||
Percent Insiders 59.34 | Percent Institutions 14.49 |
Upturn AI SWOT
Greene County Bancorp Inc
Company Overview
History and Background
Greene County Bancorp, Inc. (GCBC) is a bank holding company that was established in 1990. It operates through its subsidiary, The Bank of Greene County, which was originally founded in 1889. The Bank of Greene County provides a range of banking services to individuals and businesses in the Greene County, New York area. Over time, it has expanded its services and branch network to serve its community.
Core Business Areas
- Community Banking: Offers traditional banking services, including checking accounts, savings accounts, loans, and mortgages, catering to individuals and small businesses.
- Commercial Lending: Provides loans and other financial services to commercial clients, supporting local businesses and economic development.
- Wealth Management: Offers investment and financial planning services to individuals and families through strategic alliances.
Leadership and Structure
The Bank of Greene County has a board of directors and a senior management team overseeing its operations. The CEO leads the executive team, which is responsible for implementing the bank's strategies and managing its day-to-day affairs.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers mortgage loans for purchasing or refinancing homes. The competitive landscape includes larger national and regional banks like JPMorgan Chase, Wells Fargo, and local credit unions. Limited market share data available specifically for Greene County Bancorp, but they serve a regional market.
- Commercial Loans: Provides financing to local businesses for various purposes, such as expansion, equipment purchases, and working capital. Competitors include larger banks and other community banks. Specific market share data is unavailable.
- Deposit Accounts: Offers checking, savings, and money market accounts. Competitors include large national banks like Bank of America, regional banks, and credit unions. Market share data is difficult to obtain due to the fragmented nature of the deposit market.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment with rising interest rates, increased regulatory scrutiny, and evolving customer expectations. Community banks face competition from larger institutions and fintech companies.
Positioning
Greene County Bancorp positions itself as a community-focused bank, emphasizing personalized service and local knowledge. Its competitive advantage lies in its strong relationships with customers and its deep understanding of the local market.
Total Addressable Market (TAM)
The TAM for community banking services in the Greene County area is estimated to be in the hundreds of millions of dollars annually. Greene County Bancorp is a local community bank in the Greene County area and so their TAM is limited.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Deep understanding of the local market
- Personalized customer service
- Conservative lending practices
- Experienced management team
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Limited product diversification
Opportunities
- Expanding into adjacent markets
- Developing new products and services
- Leveraging technology to improve efficiency
- Acquiring smaller community banks
- Capitalizing on increasing customer demand for personalized service
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Increased regulatory scrutiny
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BSBK
- NYCB
- SIFI
Competitive Landscape
Greene County Bancorp faces competition from larger regional and national banks, as well as other community banks. Its advantages include local expertise and personalized service. Its disadvantages include its smaller scale and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Requires historical financial performance data to assess growth trends.
Future Projections: Requires access to analyst estimates, which are not available without real-time data feeds.
Recent Initiatives: Requires monitoring the company's press releases and investor relations materials for recent strategic initiatives.
Summary
Greene County Bancorp is a community-focused bank with strengths in local relationships and personalized service. Its smaller size and limited geographic reach pose challenges, requiring strategic initiatives to grow. The bank should focus on leveraging technology and expanding into adjacent markets. Increased competition and economic conditions are threats it needs to manage carefully.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Market Data Providers
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered investment advice. Market share data is estimated and may not be precise.
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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