Greene County Bancorp, Inc. Financial Ratios — GCBC Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	14.72	14.56	14.34	13.28	13.21	14.72	16.14	17.9	18.43	16.89	18.43	18.2	16.99	12.03	13.55
Return on Assets (%)	1.01	1.02	1.04	1	1.02	1.12	1.21	1.35	1.44	1.27	1.24	1.17	1.17	0.9	1.06
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.01	3.26	2.81	2.31	1.87	1.95	1.73	1.5	1.32	1.33	1.23	1.18	1.19	1.43	1.41
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	32.74	33.23	34.47	33.98	32.68	36.17	40.56	43.64	43.48	40.68	43.96	46.91	48.83	41.33	46
Profit Margin (%)	21.59	22.77	24.28	24.47	24.71	27.85	30.39	33.99	36.15	35.01	38.12	39.9	41.96	38.17	41.32
Net Income to Common Margin (%)	21.59	22.77	24.28	24.47	24.71	27.85	30.39	33.99	36.15	35.01	38.12	39.9	41.96	38.17	41.32
Effective Tax Rate (%)	34.05	31.49	29.55	27.99	24.38	23.01	25.06	22.13	16.85	13.92	13.3	14.95	14.07	7.64	10.18
Dvd Payout Ratio (%)	31.13	22.25	33.4	20.45	25.01	20.69	17.16	10.59	11.65	11.95	10.15	9.41	7.12	13.08	14.37
Sustainable Growth Rate (%)	10.14	11.32	9.55	10.57	9.9	11.67	13.37	16	16.28	14.87	16.56	16.49	15.79	10.45	11.6

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	26	21	15	18	42	46	30	18	22	25	23	173	49	199	128
ST Debt	14	14	11	3	23	26	7	- -	8	18	3	124	- -	115	74
LT Debt	12	7	4	14	19	20	23	18	14	8	20	49	49	84	54
Total Debt/EBITDA	35.69	25.15	19.81	28.61	76.51	73.77	46.39	28.58	33.86	35.74	29.22	209.46	56.83	214.59	120.24
Net Debt/EBITDA	22.16	16.14	11.03	5.82	45.75	44.98	17.47	-16.91	-16.95	-26.72	-169.91	120.94	-173.97	6.37	-53
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.9	7.16	7.35	7.67	7.73	7.44	7.53	7.56	8.08	7.1	6.39	6.49	7.24	7.66	8
Long-Term Debt/Equity (%)	24.96	13.29	7.13	23.69	28.09	27.32	27.12	18.87	12.1	5.9	13.13	31.27	27	40.7	22.63
Long-Term Debt/Capital (%)	18.73	11.06	6.54	20.9	19.02	18.28	21.89	17.25	10.95	5.26	12.03	14.51	20.21	20.17	14.56
Long-Term Debt/Total Assets (%)	2.19	1.19	0.63	2.15	2.55	2.34	2.31	1.58	1.07	0.45	0.89	1.92	1.83	2.97	1.78
Total Debt/Equity (%)	54.7	39.88	26.02	28.84	62.31	62.45	35.38	18.87	19.22	19.78	15.14	109.7	27	96.67	53.62
Total Debt/Capital (%)	41.05	33.18	23.88	25.44	42.19	41.78	28.56	17.25	17.39	17.62	13.87	50.91	20.21	47.92	34.5
Total Debt/Total Assets (%)	4.8	3.56	2.3	2.62	5.65	5.34	3.01	1.58	1.7	1.52	1.03	6.73	1.83	7.05	4.21
Net Debt to Equity	33.97	25.6	14.49	5.87	37.26	38.08	13.32	-11.16	-9.62	-14.79	-88.03	63.34	-82.67	2.87	-23.63
Net Debt/Capital (%)	30.19	24.17	14.87	6.49	30.38	30.44	13.08	-14.07	-11.78	-19.03	-1,471	37.45	-345.03	2.66	-30.24
EBITDA	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
EBITDA-CapEx	-1	1	1	- -	- -	- -	1	- -	- -	- -	- -	- -	-1	-1	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.9	7.16	7.35	7.67	7.73	7.44	7.53	7.56	8.08	7.1	6.39	6.49	7.24	7.66	8
Long-Term Debt/Equity (%)	24.96	13.29	7.13	23.69	28.09	27.32	27.12	18.87	12.1	5.9	13.13	31.27	27	40.7	22.63
Long-Term Debt/Capital (%)	18.73	11.06	6.54	20.9	19.02	18.28	21.89	17.25	10.95	5.26	12.03	14.51	20.21	20.17	14.56
Long-Term Debt/Total Assets (%)	2.19	1.19	0.63	2.15	2.55	2.34	2.31	1.58	1.07	0.45	0.89	1.92	1.83	2.97	1.78
Total Debt/Equity (%)	54.7	39.88	26.02	28.84	62.31	62.45	35.38	18.87	19.22	19.78	15.14	109.7	27	96.67	53.62
Total Debt/Capital (%)	41.05	33.18	23.88	25.44	42.19	41.78	28.56	17.25	17.39	17.62	13.87	50.91	20.21	47.92	34.5
Total Debt/Total Assets (%)	4.8	3.56	2.3	2.62	5.65	5.34	3.01	1.58	1.7	1.52	1.03	6.73	1.83	7.05	4.21
CFO/Total Liabilities	2.03	1.92	1.79	1.86	1.91	1.71	1.56	1.96	1.87	1.73	1.35	1.46	1.12	0.95	1
CFO/CapEx	7.56	31.65	55.27	19.8	17	46.83	184.84	63.8	36.71	23.95	22.13	33.64	18.29	16.54	40.49
Altman's Z-Score	0.23	0.23	0.24	0.26	0.25	0.24	0.3	0.31	0.28	0.2	0.19	0.21	0.25	0.26	0.14

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	9	9.48	9.81	9.93	10.14	9.7	9.63	9.33	8.87	7.61	7.86	8.4	6.93	4.89	4.92
Days Sales Outstanding	40.56	38.51	37.22	36.75	35.98	37.63	37.9	39.13	41.17	47.98	46.45	43.45	52.65	74.58	74.23
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	73	78	90	112	120	138	231	289	251	190	239	386	507	574	- -
- Cash & Cash Equivalents	10	8	6	14	17	18	18	29	32	45	154	73	201	193	185
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	26	21	15	18	42	46	30	18	22	25	23	173	49	199	128
Enterprise Value	89	4	29	60	59	66	151	157	118	-56	-283	77	75	230	-376
Total Capital	64	63	61	69	99	111	103	105	124	145	163	340	245	416	371
Total Debt/Capital (%)	41.05	33.18	23.88	25.44	42.19	41.78	28.56	17.25	17.39	17.62	13.87	50.91	20.21	47.92	34.5
Total Debt / EV	0.29	5.84	0.51	0.3	0.71	0.7	0.2	0.12	0.18	-0.46	-0.08	2.23	0.66	0.87	-0.34
EV/Sales	3.65	0.14	1.09	2.24	2.03	2.05	4.09	3.7	2.43	- -	- -	1.1	1.02	3.54	- -
EV/EBITDA	121.35	4.31	38.8	96.68	108.34	104.75	236.59	247.35	184.39	- -	- -	93.81	85.81	247.72	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	8.83	0.35	2.77	5.24	4.61	4.85	10.73	7.6	5.44	- -	- -	2.19	2.66	9.23	- -
EV/Free Cash Flow to Firm	7.8	0.34	2.72	4.99	4.36	4.75	10.67	7.48	5.3	- -	- -	2.13	2.52	8.7	- -
Diluted Market Cap	74	78	91	113	121	138	232	289	251	190	239	386	507	574	- -
Diluted Enterprise Value	90	92	99	117	146	166	243	279	240	171	108	486	356	580	-56
EV per Share	5.41	0.22	1.71	3.55	3.5	3.89	8.87	9.22	6.89	- -	- -	4.55	4.39	13.5	- -
TTM Sales	25	26	26	27	29	32	37	42	48	53	63	70	73	65	75
TTM EBITDA	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	10	10	10	11	13	14	14	21	22	27	28	35	28	25	28
TTM Free Cash Flow to Firm	11	11	11	12	14	14	14	21	22	28	29	36	30	26	29

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	6.42	7.34	8.64	9.46	8.93	9.95	16.39	13.78	11.31	6.83	8.25	10.59	17.12	21.73	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	89	4	29	60	59	66	151	157	118	-56	-283	77	75	230	-376
Low Price	3.75	4.16	4.63	5.25	6.3	6.75	8	11.08	14.25	7.51	10.13	13.62	17.5	22.34	20
EV/Sales	3.65	0.14	1.09	2.24	2.03	2.05	4.09	3.7	2.43	- -	- -	1.1	1.02	3.54	- -
EV/EBITDA	121.35	4.31	38.8	96.68	108.34	104.75	236.59	247.35	184.39	- -	- -	93.81	85.81	247.72	- -
Price/Earnings	13.82	13.32	14.14	17.19	16.71	15.37	20.65	20.03	14.37	10.16	10	13.78	16.48	23.17	- -
Price/Earnings Average	13.85	12.81	13.47	16.38	16.32	14.91	15.8	18.51	15.55	11.97	8.76	11.86	15.11	19.41	- -
Price/Earnings High	15.6	14.89	17.82	20.95	18.19	20.1	22.02	22.45	17.09	13.78	11.52	17.04	24.83	25.28	- -
Price/Earnings Low	11.72	11.86	12.17	13.53	14.79	12.74	12.15	13.09	13.92	6.84	7.2	8.29	9.68	15.36	- -
Price/Book Value	1.94	1.84	1.94	2.17	2.1	2.13	3.13	3.31	2.45	1.6	1.7	2.31	2.6	2.65	- -
Price/Book Value Average	1.94	1.77	1.84	2.07	2.05	2.07	2.39	3.06	2.65	1.88	1.49	1.99	2.38	2.22	- -
Price/Book Value High	2.19	2.05	2.44	2.64	2.29	2.79	3.33	3.72	2.91	2.17	1.96	2.86	3.91	2.89	- -
Price/Book Value Low	1.64	1.64	1.67	1.71	1.86	1.77	1.84	2.17	2.37	1.08	1.23	1.39	1.52	1.76	- -
Price/Tangible Book Value	1.52	1.47	1.61	1.83	1.8	1.85	2.77	3	2.24	1.48	1.6	2.45	2.77	2.79	- -
Price/Tangible Book Value Average	1.52	1.42	1.53	1.75	1.75	1.8	2.12	2.77	2.42	1.74	1.4	2.1	2.54	2.33	- -
Price/Tangible Book Value High	1.72	1.65	2.02	2.23	1.95	2.43	2.95	3.36	2.66	2	1.84	3.02	4.17	3.04	- -
Price/Tangible Book Value Low	1.29	1.31	1.38	1.44	1.59	1.54	1.63	1.96	2.17	0.99	1.15	1.47	1.63	1.85	- -
Price/Sales	2.98	3.03	3.43	4.21	4.13	4.28	6.28	6.81	5.19	3.56	3.81	5.5	6.92	8.85	- -
Price/Sales Average	2.99	2.92	3.27	4.01	4.03	4.15	4.8	6.29	5.62	4.19	3.34	4.73	6.34	7.41	- -
Price/Sales High	3.37	3.39	4.33	5.13	4.49	5.6	6.69	7.63	6.18	4.83	4.39	6.8	10.42	9.65	- -
Price/Sales Low	2.53	2.7	2.96	3.31	3.65	3.55	3.69	4.45	5.03	2.4	2.75	3.31	4.06	5.86	- -
Price/Cash Flow	7.22	7.5	8.72	9.86	9.39	10.14	16.45	13.96	11.62	7.12	8.63	10.91	18.05	23.04	- -
Price/Cash Flow Average	7.24	7.21	8.3	9.39	9.17	9.84	12.58	12.9	12.57	8.39	7.55	9.39	16.55	19.3	- -
Price/Cash Flow High	8.15	8.39	10.99	12.01	10.22	13.27	17.54	15.65	13.82	9.66	9.94	13.49	27.2	25.14	- -
Price/Cash Flow Low	6.13	6.68	7.5	7.76	8.31	8.41	9.68	9.13	11.25	4.79	6.21	6.56	10.6	15.27	- -
Price/Free Cash Flow Average	6.44	7.06	8.23	9.02	8.72	9.66	12.54	12.73	12.24	8.05	7.23	9.12	15.69	18.2	- -
Price/Free Cash Flow High	7.25	8.21	10.89	11.53	9.72	13.02	17.48	15.45	13.45	9.27	9.51	13.1	25.79	23.71	- -
Price/Free Cash Flow Low	5.45	6.54	7.43	7.45	7.9	8.25	9.64	9.01	10.95	4.6	5.95	6.37	10.05	14.4	- -
EV/Sales Average	3.66	3.44	3.58	4.14	4.89	5.03	5.1	6.04	5.4	3.84	1.24	6.16	4.28	7.5	- -
EV/Sales High	4.03	3.92	4.64	5.26	5.35	6.48	7	7.38	5.96	4.47	2.29	8.22	8.36	9.74	- -
EV/Sales Low	3.2	3.23	3.27	3.44	4.51	4.43	4	4.2	4.81	2.04	0.65	4.73	2	5.95	- -
EV/EBITDA Average	121.59	105.56	127.46	179.16	261.07	257.51	294.97	402.97	409.05	287.72	100.62	522.75	360.2	524.36	-53
EV/EBITDA High	134.14	120.08	165.11	227.5	285.71	331.44	404.21	492.56	451.43	335.3	186	698.12	703.76	681.2	-53
EV/EBITDA Low	106.32	98.98	116.25	148.97	240.81	226.54	230.85	280.19	364.44	152.97	52.64	401.69	168.13	416.26	-53
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	4.42	4.67	5.38	6.67	7.12	8.14	13.6	16.95	14.71	11.15	14.06	22.65	29.8	33.71	22.22
High Price	4.99	5.22	6.78	8.13	7.75	10.65	14.5	19	17.5	15.13	16.2	28	44.9	36.78	37.25
Enterprise Value Average	90	88	94	111	142	162	188	256	261	205	78	432	314	487	-56
Enterprise Value High	99	100	122	140	156	208	257	313	288	239	144	577	613	632	-56
Enterprise Value Low	78	83	86	92	131	142	147	178	233	109	41	332	146	386	-56

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	17	17	17	17	17	17	17	17	17	17	17	17	17	17	17
Diluted Weighted Avg Shares	17	17	17	17	17	17	17	17	17	17	17	17	17	17	- -
Basic Weighted Avg Shares	17	17	17	17	17	17	17	17	17	17	17	17	17	17	- -
Revenue per Share	1.48	1.54	1.57	1.59	1.72	1.9	2.17	2.49	2.83	3.14	3.69	4.12	4.31	3.81	- -
EBITDA per Share	0.04	0.05	0.04	0.04	0.03	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.32	0.35	0.38	0.39	0.43	0.53	0.66	0.85	1.02	1.1	1.41	1.64	1.81	1.45	- -
Basic EPS from Cont Ops	0.32	0.35	0.38	0.39	0.43	0.53	0.66	0.85	1.02	1.1	1.41	1.64	1.81	1.45	- -
Diluted EPS, GAAP	0.32	0.35	0.38	0.38	0.42	0.53	0.66	0.84	1.02	1.1	1.41	1.64	1.81	1.45	- -
Diluted EPS from Cont Ops	0.32	0.35	0.38	0.38	0.42	0.53	0.66	0.84	1.02	1.1	1.41	1.64	1.81	1.45	- -
Dividend per Share	0.1	0.08	0.13	0.08	0.11	0.11	0.11	0.09	0.12	0.13	0.14	0.15	0.13	0.19	- -
Cash Flow per Share	0.61	0.62	0.62	0.68	0.76	0.8	0.83	1.21	1.27	1.57	1.63	2.08	1.65	1.46	- -
Free Cash Flow per Basic Share	0.53	0.6	0.61	0.64	0.71	0.79	0.82	1.2	1.23	1.5	1.56	2.01	1.56	1.37	- -
Cash & Equivalents per Share	0.6	5.72	4.54	4.17	6.09	6.99	6.47	8.79	9.09	15.9	32.02	28.26	28.32	31.9	- -
Book Value per Share	2.28	2.54	2.78	3.08	3.39	3.82	4.35	5.11	6.01	6.98	8.26	9.8	11.48	12.71	- -
Tangible Book Value per Share	2.91	3.17	3.35	3.64	3.97	4.39	4.92	5.65	6.58	7.55	8.79	9.26	10.76	12.1	- -

Greene County Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)