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Greene County Bancorp Financial Ratios 2025-2010 | GCBC
Brief overview of Greene County Bancorp's multiples and efficiency
The review covers five available annual periods spanning 2021 to 2025.
The current valuation set is P/E 12.72x (median 16.32x), P/B 1.66x (median 2.53x), P/CF 14.16x (median 17.87x). The combined multiple level is about 22% below the company's historical norm, suggesting more cautious expectations.
Earnings yield calculated as 1/P/E is about 7.9%, showing current profit per unit of share price.
The latest available business-quality ratios are ROE 13%, ROA 1%. Quality ratios send a mostly positive signal: resources are productive, with room for improvement.
Current PEG of 1.34x shows no clear imbalance between price and expected earnings momentum.
High leverage is part of the financial-sector model, so valuation should be linked to capital, asset quality and ROE.
Overall picture
Greene County Bancorp's multiples are below five-year reference levels despite strong quality metrics, providing valuation cushion but not eliminating hidden risks.
Annual Financial Ratios Greene County Bancorp
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
12.7 | 21.0 | 16.3 | 33.4 | 14.2 | 9.8 | 13.4 | 19.9 | 18.9 | 15.7 | 16.5 | 17.2 | 15.1 | 13.5 | 13.8 | - |
P/S |
- | - | - | - | - | 3.4 | 4.8 | 6.8 | 5.7 | 4.4 | 4.1 | 4.2 | 3.7 | 3.1 | 3.0 | - |
EPS |
1.8 | 1.4 | 1.8 | 1.6 | 2.8 | 2.2 | 2.0 | 1.7 | 1.3 | 1.1 | 0.8 | 1.6 | 1.5 | 1.4 | 1.3 | - |
EV (Enterprise Value) |
3.01 B | 2.95 B | 2.82 B | 3.28 B | 2.24 B | 1.69 B | 1.36 B | 1.32 B | 1.11 B | 935 M | 790 M | 725 M | 674 M | 617 M | 572 M | - |
PEG |
- | - | - | - | - | 1.34 | 0.63 | 0.71 | 0.77 | 0.64 | 1.7 | 8.72 | 1.76 | 1.44 | 1.82 | - |
P/B |
1.7 | 2.5 | 2.7 | 5.9 | 2.3 | 1.4 | 2.1 | 3.0 | 2.5 | 1.9 | 1.8 | 1.8 | 1.7 | 1.5 | 1.5 | - |
P/CF |
14.2 | 20.9 | 17.9 | 26.4 | 12.3 | 7.2 | 11.1 | 14.1 | 15.1 | 10.6 | 9.8 | 10.4 | 9.5 | 7.9 | 8.3 | - |
ROE % |
13.04 | 12.02 | 16.80 | 17.74 | 16.01 | 14.54 | 15.56 | 14.98 | 13.39 | 12.06 | 10.74 | 10.67 | 11.35 | 11.07 | 11.00 | - |
ROA % |
1.02 | 0.88 | 1.14 | 1.09 | 1.09 | 1.12 | 1.38 | 1.25 | 1.14 | 1.03 | 0.97 | 0.97 | 1.01 | 0.99 | 0.97 | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 2.3 | - | - | - | - | - | - | - | - | - | - |
DSO |
- | - | - | - | - | 56.0 | 44.2 | 43.5 | 40.0 | 40.9 | 38.1 | 37.1 | 37.0 | 38.3 | 40.4 | - |
All numbers in USD currency
Quarterly Financial Ratios Greene County Bancorp
| 2026-Q3 | 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
0.62 | 0.6 | 0.52 | 0.6 | 0.52 | - | 0.47 | 0.44 | 0.37 | - | 0.34 | 0.34 | 0.38 | - | 0.48 | 0.42 | 0.53 | 1.91 | 0.42 | 0.81 | 0.84 | 1.64 | 0.62 | 0.73 | 0.57 | 0.73 | 0.57 | 0.6 | 0.57 | 0.6 | 0.57 | 0.54 | 0.51 | 0.54 | 0.51 | 0.43 | 0.41 | 0.43 | 0.41 | 0.34 | 0.3 | 0.34 | 0.3 | 0.27 | 0.25 | 0.55 | 0.51 | 0.43 | 0.42 | 0.43 | 0.42 | 0.41 | 0.42 | 0.41 | 0.42 | 0.4 | 0.42 | 0.4 | 0.42 | 0.36 | 0.36 | 0.36 | 0.36 |
ROE % |
15.48 | 15.12 | 14.65 | 14.50 | 13.41 | 9.84 | 12.78 | 12.19 | 12.27 | 9.38 | 13.91 | 15.24 | 17.98 | 14.47 | 24.76 | 24.82 | 24.83 | 23.77 | 22.83 | 21.64 | 21.81 | 20.73 | 15.84 | 16.11 | 15.89 | 16.41 | 16.18 | 16.69 | 16.85 | 17.21 | 17.37 | 17.60 | 17.26 | 16.86 | 16.52 | 16.12 | 15.79 | 15.08 | 14.74 | 14.03 | 13.57 | 13.42 | 12.96 | 12.81 | 12.34 | 12.04 | 11.57 | 11.27 | 11.42 | 11.67 | 11.81 | 12.06 | 12.16 | 12.36 | 12.58 | 12.85 | 12.75 | 12.52 | 12.46 | 12.25 | 3.05 | 3.11 | 3.14 |
ROA % |
1.27 | 1.23 | 1.17 | 1.14 | 1.03 | 0.74 | 0.95 | 0.92 | 0.96 | 0.75 | 0.75 | 1.02 | 1.16 | 0.92 | 1.55 | 1.54 | 1.56 | 1.52 | 1.53 | 1.48 | 1.52 | 1.48 | 1.21 | 1.26 | 1.29 | 1.36 | 1.39 | 1.48 | 1.51 | 1.54 | 1.53 | 1.53 | 1.49 | 1.46 | 1.43 | 1.40 | 1.37 | 1.32 | 1.28 | 1.22 | 1.20 | 1.20 | 1.17 | 1.18 | 1.14 | 1.11 | 1.07 | 1.04 | 1.05 | 1.07 | 1.07 | 1.08 | 1.09 | 1.11 | 1.12 | 1.14 | 1.14 | 1.12 | 1.11 | 1.09 | 0.27 | 0.27 | 0.28 |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | - | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 |
All numbers in USD currency
Multiples are an important financial analysis tool for the company Greene County Bancorp, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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