ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Greene County Bancorp, Inc. ?
1
Strong Long Term Fundamental Strength with a 13.02% CAGR growth in Net Profits
2
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- The company has declared positive results for the last 2 consecutive quarters
- NII(Q) Highest at USD 19.06 MM
- OPERATING CASH FLOW(Y) Highest at USD 33.89 MM
- ROCE(HY) Highest at 1.2%
3
With ROA of 0.66%, it has a fair valuation with a 1.45 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -2.35%, its profits have risen by 38.8% ; the PEG ratio of the company is 0.3
4
Majority shareholders : Mutual Funds
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Greene County Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Greene County Bancorp, Inc. for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Greene County Bancorp, Inc.
-0.3%
-0.67
37.20%
S&P 500
14.9%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.62%
EBIT Growth (5y)
12.63%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
19.69%
Pledged Shares
0
Institutional Holding
17.56%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.45
EV to EBIT
11.03
EV to EBITDA
10.74
EV to Capital Employed
1.35
EV to Sales
3.56
PEG Ratio
0.26
Dividend Yield
1.77%
ROCE (Latest)
12.24%
ROE (Latest)
14.15%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bearish
Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
NII(Q)
Highest at USD 19.06 MM
OPERATING CASH FLOW(Y)
Highest at USD 33.89 MM
ROCE(HY)
Highest at 1.2%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 33.5 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 63.88%
OPERATING PROFIT(Q)
Highest at USD 12.13 MM
OPERATING PROFIT MARGIN(Q)
Highest at 36.22 %
PRE-TAX PROFIT(Q)
Highest at USD 11.56 MM
NET PROFIT(Q)
Highest at USD 10.29 MM
EPS(Q)
Highest at USD 0.6
-2What is not working for the Company
ROCE(HY)
Lowest at 1.2%
Here's what is working for Greene County Bancorp, Inc.
NII
Highest at USD 19.06 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 33.5 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Operating Cash Flow
Highest at USD 33.89 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 12.13 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 36.22 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 11.56 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 10.29 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.6
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Highest at 63.88%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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