Greene County Bancorp, Inc. cash flow to debt ratio of 18.03% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Greene County Bancorp, Inc.'s free cash flow has increased 16.60% from $23.40M last year to $27.29M, signaling increasing performance

Greene County Bancorp, Inc.'s debt to equity ratio is 0.56, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.

Greene County Bancorp, Inc.'s debt has increased relative to shareholder equity from 0.54 last year to 0.56 today, signaling weakened financials

Greene County Bancorp, Inc. has a net debt to EBITDA ratio of 3.05x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Greene County Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Greene County Bancorp, Inc.'s profit margin has increased (20.13%) in the last year from 23.42% to 28.14%, signaling increasing performance

Greene County Bancorp, Inc.'s short-term liabilities of $119.00M exceed its short-term assets of $29.49M, signaling financial risk

Greene County Bancorp, Inc.'s return on assets of 1.29% is lower than the 5.00% threshold, indicating inefficient asset utilization

Greene County Bancorp, Inc.'s return on equity of 15.60%, is higher than 15.00%, indicating good performance

Greene County Bancorp, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Greene County Bancorp, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings

Greene County Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Greene County Bancorp, Inc. has a free cash flow yield of 4.68%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Greene County Bancorp, Inc.'s yearly earnings has increased 31.74% since last year from $31.14M to $41.02M, signaling increasing performance

Greene County Bancorp, Inc.'s yearly revenue has decreased -31.89% since last year from $132.94M to $90.55M, signaling decreasing performance

ROIC 1.29% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Greene County Bancorp, Inc.'s 3-year revenue CAGR of 14.64% is positive, indicating growing revenue over the past 3 years

Greene County Bancorp, Inc. had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance

Greene County Bancorp, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity

Greene County Bancorp, Inc. is overvalued relative to its fair value price of 23.14 based on Discounted Cash Flow model

Greene County Bancorp, Inc. has an earnings yield of 7.03%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Greene County Bancorp, Inc. is overvalued relative to its fair value price of 18.01 based on EBITDA multiple model

Greene County Bancorp, Inc. has an EV/EBITDA ratio of 15.50x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Greene County Bancorp, Inc. is undervalued relative to its fair value price of 59.03 based on Earnings Fair Value model

Greene County Bancorp, Inc. has a PEG-ratio under 1 which is considered undervalued

Greene County Bancorp, Inc. has a price-to-book ratio of 2.10x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Greene County Bancorp, Inc. has a price-to-sales ratio of 4.00x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue