Greene County Bancorp, Inc. (GCBC): Investment Report

Overview

Greene County Bancorp, Inc. (GCBC) is a holding company for The Bank of Greene County, providing various financial services in the United States. With a market capitalization of $520.5 million, GCBC is a small-cap banking stock operating in the regional banking industry. In this report, we will delve into the company's financial performance, growth prospects, and recent news to provide a comprehensive analysis of the stock.

Core Metrics

• Current price: $30.57
• 52-week high: $37.25
• 52-week low: $22.34
• Market Cap: $520.5 million
• P/E Ratio: 21.08
• Earnings per Share: $1.45
• 50-day average: $32.54
• 200-day average: $29.41
• Analyst Recommendations: None

Financial Performance

GCBC's recent earnings report showed a decline in net income, down 20% from FY 2023, with a profit margin of 39% (down from 41% in FY 2023). The company reported revenue of $16.58 million in Q4 2024, with earnings per share of $1.46 (down from $1.81 in FY 2023). While the financial performance is not impressive, GCBC's strong balance sheet and stable deposit base provide a solid foundation for future growth.

Growth Prospects

GCBC's growth prospects are tied to the regional banking industry's performance, which is influenced by interest rates, loan growth, and deposit trends. With a strong presence in Greene County, New York, the company has opportunities to expand its loan portfolio and deposit base. However, intensifying competition and regulatory pressures may hinder growth.

News and Updates

Recent news articles highlight the company's Q4 2024 earnings report, with a focus on the decline in net income and profit margin. Other articles provide technical analysis and trading recommendations for the stock. There has been no significant news or updates that would impact the stock price.

Upgrades and Downgrades

There have been no recent upgrades or downgrades from major firms. However, news articles have provided technical analysis and trading recommendations, such as buying GCBC slightly over $30.12 with a target of $33.03 and a stop loss at $30.03.

Summary

In conclusion, GCBC's financial performance has been impacted by declining net income and profit margin. However, the company's strong balance sheet and stable deposit base provide a solid foundation for future growth. With no recent upgrades or downgrades from major firms, investors should carefully consider the company's growth prospects and industry trends before making a decision.

Disclosures

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