GCBC
Greene County Bancorp, Inc.
GCBC offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
GS
The Goldman Sachs Group, Inc.
GS has the edge over GCBC overall, supported by lower modeled downside and stronger valuation.
GCBC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
GCBC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like GCBC.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
GCBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $28.63 | -20% |
| Fair | 14x | $35.53 | -0.3% |
| Current | 14x | $35.62 | — |
| Expensive | 18x | $46.46 | +30% |
Historical ranges are pointers, not guarantees.
GCBC has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
GCBC Forward outlook
There aren't enough analyst estimates for GCBC to show an outlook.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
GCBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $2.62 | +32% |
| Q2 2026 | $2.41 | +32% |
| Q1 2026 | $2.29 | +37% |
| Q4 2025 | $2.14 | +39% |
| Q3 2025 | $1.98 | +38% |
| Q2 2025 | $1.83 | +26% |
| Q1 2025 | $1.67 | +16% |
| Q4 2024 | $1.54 | -1.9% |
GCBC earned $2.62 per share over the past year, up 32% from the year before.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over GCBC on earnings, with more consistent year-over-year improvement.
GCBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $24.8M | +15% |
| Q2 2026 | $25M | +22% |
| Q1 2026 | $23.9M | +19% |
| Q4 2025 | $22.2M | +24% |
| Q3 2025 | $21.5M | +27% |
| Q2 2025 | $20.5M | +23% |
| Q1 2025 | $20.1M | +28% |
| Q4 2024 | $17.9M | +13% |
GCBC has the edge over GS on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 58% | +11 points |
| Q2 2026 | 52% | -1.8 points |
| Q1 2026 | 51% | +6.3 points |
| Q4 2025 | 52% | +7 points |
| Q3 2025 | 47% | +7.7 points |
| Q2 2025 | 54% | +12 points |
| Q1 2025 | 45% | +5.2 points |
| Q4 2024 | 45% | +4.9 points |
GCBC has the edge over GS on profitability, with a higher operating margin.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
GCBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $18.8M | +186% |
| Q2 2026 | $18.1M | +40% |
| Q1 2026 | $10.7M | +47% |
| Q4 2025 | $6.2M | +21% |
| Q3 2025 | $6.5M | +228% |
| Q2 2025 | $12.9M | +19% |
| Q1 2025 | $7.3M | +47% |
| Q4 2024 | $5.1M | +180% |
GCBC has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
GCBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -- |
| 1 year | 0% | -1.3K shares |
| 3 years | 0% | -1.3K shares |
| 5 years | 0% | -1.3K shares |
| Available history | -0.3% | -48.5K shares |
GCBC has 17M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q2 2021 | — |
| Q1 2021 | — |
| Q2 2020 | — |
| Q1 2020 | $593,000 |
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over GCBC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
GCBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.1x | Net Cash |
| Q2 2026 | 0.4x | Very low |
| Q1 2026 | 0.4x | Very low |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | 0.6x | Very low |
| Q2 2025 | 1.0x | Healthy |
| Q1 2025 | -3.4x | Net Cash |
| Q4 2024 | -4.1x | Net Cash |
GCBC has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like GCBC.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over GCBC on leverage, with a lower net debt burden relative to earnings.
GCBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 66.2 | Neutral |
| Stochastic | 66.6 | Neutral |
GCBC's weekly RSI is 66 (neutral) and its Stochastic is 67 (neutral).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
GCBC PE vs Financial Services Sector
| Metric | GCBC | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 4.5% above |
| PE % | 50 | 63 | 13 pts below |
GCBC is trading at 14x earnings, in line with the Financial Services sector's median of 13x.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS has the edge over GCBC on valuation relative to its sector.
GCBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $35.0 | 1.8% above |
| 20 week MA | $34.6 | 2.9% above |
| 50 week MA | $28.4 | 26% above |
| 100 week MA | $26.1 | 36% above |
| 200 week MA | $27.2 | 31% above |
GCBC has the edge over GS on trend strength, trading above more of its moving averages.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
GCBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.6 | $13.0 | -11% |
| 2021 | $13.0 | $17.3 | +33% |
| 2022 | $17.3 | $32.7 | +89% |
| 2023 | $32.7 | $28.2 | -14% |
| 2024 | $28.2 | $27.9 | -1.1% |
| 2025 | $27.9 | $22.8 | -18% |
| 2026 YTD | $22.8 | $35.6 | +56% |
GCBC has the edge over GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.