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GCBC vs GLAD

GCBC
Greene County Bancorp, Inc.
NEUTRAL
Price
$23.30
Market Cap
$396.7M
Sector
Financial Services
AI Confidence
80%
GLAD
Gladstone Capital Corporation
BEARISH
Price
$17.44
Market Cap
$394.0M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
GCBC
10.84
GLAD
11.04
Forward P/E
GCBC
--
GLAD
9.14
P/B Ratio
GCBC
1.54
GLAD
0.83
P/S Ratio
GCBC
4.84
GLAD
4.3
EV/EBITDA
GCBC
--
GLAD
--

Profitability

Gross Margin
GCBC
0.0%
GLAD
100.0%
Operating Margin
GCBC
54.17%
GLAD
73.11%
Profit Margin
GCBC
44.58%
GLAD
38.91%
ROE
GCBC
15.33%
GLAD
7.16%
ROA
GCBC
1.2%
GLAD
4.96%

Growth

Revenue Growth
GCBC
26.1%
GLAD
11.6%
Earnings Growth
GCBC
36.4%
GLAD
-80.1%

Financial Health

Debt/Equity
GCBC
--
GLAD
0.8
Current Ratio
GCBC
--
GLAD
1.65
Quick Ratio
GCBC
--
GLAD
1.38

Dividends

Dividend Yield
GCBC
1.67%
GLAD
10.84%
Payout Ratio
GCBC
17.67%
GLAD
122.47%

AI Verdict

GCBC NEUTRAL

GCBC presents a conflicting profile: it is fundamentally undervalued with a Piotroski F-Score of 3/9 indicating weak operational health, yet it exhibits strong growth and value metrics. The stock trades significantly below its Graham Number ($27.09) and Intrinsic Value ($63.42), suggesting a deep discount. However, the bearish technical trend (0/100) and poor health score offset the aggressive YoY earnings growth of 36.40%. The overall outlook remains neutral until fundamental health improves to match the growth trajectory.

Strengths
Strong earnings growth (36.40% YoY)
Trading below Graham Number ($27.09) and Intrinsic Value ($63.42)
Healthy ROE of 15.33% and ROA of 1.20%
Risks
Weak Piotroski F-Score (3/9) suggesting deteriorating fundamentals
Strongly bearish technical trend (0/100)
Lack of analyst coverage and institutional guidance
GLAD BEARISH

GLAD exhibits severe fundamental deterioration, highlighted by a weak Piotroski F-Score of 2/9 and a technical trend of 0/100. While the stock appears cheap relative to its Graham Number ($27.41) and trades below book value (P/B 0.83), these metrics are overshadowed by a catastrophic -80.10% YoY earnings collapse and an unsustainable dividend payout ratio of 122.47%. The divergence between the defensive fair value and the growth-based intrinsic value ($11.06) suggests a value trap scenario where the market is pricing in declining earnings power.

Strengths
Trading below book value (P/B 0.83)
Strong operating margins (73.11%)
Positive YoY revenue growth (11.60%)
Risks
Unsustainable dividend payout ratio (122.47%)
Severe earnings contraction (-80.10% YoY)
Very weak Piotroski F-Score (2/9) indicating poor financial health

Compare Another Pair

GCBC vs GLAD: Head-to-Head Comparison

This page compares Greene County Bancorp, Inc. (GCBC) and Gladstone Capital Corporation (GLAD) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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