Greene County Bancorp, Inc. GCBC R2K

Financial Services · Banks - Regional · United States

https://greenecountybancorp.q4ir.com

Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. The company offers deposit products, such as savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. Its loan portfolio includes residential, construction and land loans; commercial real estate mortgages; consumer loans, including loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans comprising passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. In addition, it provides transaction processing and investment brokerage services. Further, it engages in the sale of securities and the operation of banking office, lending centers, an operations center, customer call center, administration center, and a wealth management center. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. operates as a subsidiary of Greene County Bancorp, MHC.

Market & Price

Market Cap

$446.75M

Current Price

$26.24

High / Low (52W)

$26.24 / $20.90

Beta

0.41

Valuation

Stock P/E

11.46

Industry PE

12.01

Forward P/E

PEG Ratio

1.83

Book Value

$15.72

Price to Book

1.67

P/S

5.17

EV/EBITDA

Dividend Yield

1.51%

Profitability & Returns

ROCE

ROE

15.71%

ROA

1.26%

Profit Margin

45.14%

Op Margin

53.48%

EPS (Latest Qtr)

$0.62

EPS (TTM)

$2.29

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$110.18M

Total Assets

$3.04B

Current Assets

Working Capital

Ownership

Promoter Holding

59.32%

Chg in Prom Hold

FII / Inst Holding

13.97%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$412.43M

Total Revenue (TTM)

$86.44M

EBITDA

Free Cash Flow

Operating Cash Flow

$37.26M

Shares Outstanding

17.03M

Gross Margin

0.00%

Payout Ratio

17.03%

Growth (CAGR)

Revenue 5Y

2.42%

Profit 5Y

3.62%

Revenue (YoY)

23.40%

Earnings (YoY)

31.50%

PROS

Excellent profit margin of 45.1%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	GCBC Greene County Bancorp, Inc. R2K	26.24	11.46	$446.75M	1.51%	-	15.71%	2.42%	3.62%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2013	Dec 2013	Mar 2014	Sep 2014	Dec 2014	Mar 2015	Sep 2015	Dec 2015	Mar 2016	Sep 2016	Dec 2016	Mar 2017	Sep 2017	Dec 2017	Mar 2018	Sep 2018	Dec 2018	Mar 2019	Sep 2019	Dec 2019	Mar 2020	Sep 2020	Dec 2020	Mar 2021	Sep 2021	Dec 2021	Mar 2022	Sep 2022	Dec 2022	Mar 2023	Sep 2023	Dec 2023	Mar 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	20.07M	20.47M	21.51M	22.21M	23.89M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	13.57M	14.03M	14.10M	14.44M	12.39M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	8.94M	10.96M	10.19M	11.56M	12.16M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	887.00K	1.62M	1.32M	1.26M	1.64M
Net Income	1.75M	1.73M	1.50M	1.77M	1.81M	1.78M	2.15M	2.32M	2.16M	2.51M	2.93M	2.90M	3.47M	3.64M	3.68M	4.38M	4.58M	4.36M	4.86M	5.11M	4.05M	4.88M	6.20M	5.26M	7.11M	6.88M	7.19M	9.04M	7.20M	8.09M	6.47M	5.71M	5.86M	6.26M	-	8.05M	9.33M	8.87M	10.29M	10.52M
Diluted EPS	0.41	0.41	0.35	0.42	0.43	0.21	0.25	0.27	0.25	0.30	0.34	0.34	0.41	0.43	0.43	0.51	0.54	0.51	0.57	0.60	0.47	0.57	0.73	0.62	0.84	0.81	0.42	0.53	0.42	0.48	0.38	0.34	0.34	0.37	-	0.47	0.55	0.52	0.60	0.62

Profit & Loss (Annual)

Figures in USD.

Metric	Jun 2011	Jun 2012	Jun 2013	Jun 2014	Jun 2015	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Revenue	-	-	-	-	-	-	-	3.71M	4.12M	-	-	70.14M	73.36M	64.89M	75.35M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	5.44M	23.41M	52.69M	57.58M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	32.91M	35.83M	26.82M	34.67M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	4.92M	5.04M	2.05M	3.53M
Net Income	5.29M	5.83M	6.37M	6.53M	7.19M	8.96M	11.19M	14.41M	17.48M	18.73M	-	27.99M	30.79M	24.77M	31.14M
Diluted EPS	1.27	1.39	1.51	1.54	0.85	1.06	1.31	1.69	2.05	2.20	1.41	1.65	1.81	1.45	-

Compounded Sales Growth

5 Years:	2.42%
1 Year:	23.40%

Compounded Profit Growth

5 Years:	3.62%
1 Year:	31.50%

Stock Price Performance

1 Year:	+23.04%
6 Months:	+15.23%
3 Months:	+19.37%
1 Month:	+11.63%

Balance Sheet (Annual)

Figures in USD.

Metric	Jun 2010	Jun 2011	Jun 2012	Jun 2013	Jun 2014	Jun 2015	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Total Assets	-	547.52M	590.66M	633.61M	674.16M	738.65M	868.78M	982.29M	1.15B	1.27B	1.68B	-	2.57B	2.70B	2.83B	3.04B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	-	-	-	-	-	-	-	-	-	-	-	-	73.12M	201.02M	193.23M	184.50M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	8.92M	12.25M	14.27M	16.38M
Total Liabilities	-	499.44M	537.99M	577.50M	612.96M	671.73M	794.48M	898.77M	1.06B	1.16B	1.55B	-	2.41B	2.52B	2.62B	2.80B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	49.31M	49.49M	83.84M	54.06M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	173.01M	49.49M	199.14M	128.06M
Total Equity	44.50M	48.08M	52.66M	56.11M	61.20M	66.92M	74.30M	83.52M	96.19M	112.37M	128.81M	-	157.71M	183.28M	206.00M	238.84M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	17.22M	17.22M	17.22M	17.22M

Cash Flows (Annual)

Figures in USD.

Metric	Jun 2011	Jun 2012	Jun 2013	Jun 2014	Jun 2015	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Operating Cash Flow	10.12M	10.35M	10.34M	-	-	13.58M	14.05M	20.67M	21.62M	26.72M	-	35.35M	28.11M	24.91M	27.98M
Investing Cash Flow	-56.83M	-48.39M	-49.95M	-	-	-132.44M	-115.76M	-163.38M	-115.34M	-397.32M	-	-471.18M	661.00K	-129.24M	-210.17M
Financing Cash Flow	47.03M	35.82M	38.10M	-	-	119.22M	102.10M	152.93M	96.75M	381.52M	-	355.06M	98.67M	98.28M	174.87M
Capital Expenditure	-1.34M	-327.00K	-187.00K	-575.00K	-753.00K	-290.00K	-76.00K	-324.00K	-589.00K	-1.12M	-	-1.05M	-1.54M	-1.51M	-691.00K
Free Cash Flow	8.78M	10.02M	10.15M	-	-	13.29M	13.97M	20.35M	21.04M	25.61M	-	34.30M	26.57M	23.40M	27.29M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-80.77M	127.44M	-6.05M	-7.32M
Share Buybacks	-	-	-	-	-	-	-	-	0	631.00K	0	-	-	-	-
Dividends Paid	1.65M	1.30M	2.13M	1.33M	1.80M	1.85M	1.92M	1.53M	2.04M	2.24M	2.43M	2.63M	2.19M	3.24M	4.47M

Ratios (Annual)

Figures in %.

Metric	Jun 2011	Jun 2012	Jun 2013	Jun 2014	Jun 2015	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	388.7%	424.7%	-	-	39.9%	42.0%	38.2%	41.3%
ROE %	11.0%	11.1%	11.4%	10.7%	10.7%	12.1%	13.4%	15.0%	15.6%	14.5%	-	17.7%	16.8%	12.0%	13.0%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

59.32%

Institutions

13.97%

Public Float

34.34%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	3.98%	678.23K	$17.80M
2	Vanguard Capital Management LLC	1.75%	298.15K	$7.82M
3	Geode Capital Management, LLC	0.98%	166.92K	$4.38M
4	State Street Corporation	0.76%	128.80K	$3.38M
5	NewEdge Advisors, LLC	0.68%	115.12K	$3.02M
6	Dimensional Fund Advisors LP	0.54%	92.61K	$2.43M
7	Covalent Partners Llc	0.41%	69.00K	$1.81M
8	Goldman Sachs Group Inc	0.40%	68.19K	$1.79M
9	Angel Oak Capital Advisors, LLC	0.36%	61.00K	$1.60M
10	Vanguard Fiduciary Trust Co	0.31%	52.42K	$1.38M

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