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Greene County Bancorp, Inc. GCBC R2K

Financial Services · Banks - Regional · United States
https://www.thebankofgreenecounty.com
Company Profile ↓
$32.37
+31.58% 1Y
Mkt Cap$551.11M
P/E14.14
P/B1.92
Div. Yield1.33%
52W High$34.66
52W Low$21.23
Book Value$15.72
EPS (TTM)$2.29

Company Overview

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.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 15.7%, reflecting efficient use of shareholder capital.

Consistent Profit Growth

Net profit has compounded at 13.5% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 11.1% CAGR over the past five years.

Reasonable Valuation

Trades at an undemanding P/E of 14.1.

Healthy Margins

Maintains a net profit margin of 45.1%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +23.4%, earnings +31.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR 11.1%, profit CAGR 13.5%.

Growth & Price Performance

Compounded Sales Growth

5 Years:11.06%
1 Year:23.40%

Compounded Profit Growth

5 Years:13.50%
1 Year:31.50%

Stock Price Performance

1 Year:+31.58%
6 Months:+46.76%
3 Months:+38.01%
1 Month:+11.05%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 83% of range
$21.23 $34.66
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)59.37 · Neutral
Price Performance
1M+11.05%
3M+38.01%
6M+46.76%
1Y+31.58%
Valuation vs Sector

P/E of 14.14 is above the sector median of 13.30 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 45.1%.
  • Compounding revenue at 11.1% over 5 years.
  • Profit CAGR of 13.5% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
14.14
Industry PE
13.30
Forward P/E est.
10.75
PEG Ratio
1.83
Book Value
$15.72
Price to Book
1.92
P/S
5.94
EV/EBITDA
-
Dividend Yield
1.33%

Growth (CAGR)

Revenue 5Y
11.06%
Profit 5Y
13.50%
Revenue (YoY)
23.40%
Earnings (YoY)
31.50%

Profitability & Returns

ROCE
-
ROE
15.71%
ROA
1.26%
Profit Margin
45.14%
Op Margin
53.48%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.62
EPS (TTM)
$2.29

Balance Sheet & Liquidity

Debt/Equity
0.54
Quick Ratio
-
Current Ratio
-
Debt
$110.18M
Total Assets
$3.18B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
59.36%
Chg in Prom Hold
-
FII / Inst Holding
13.94%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$551.11M
Total Revenue (TTM)
$86.44M
EBITDA
-
Free Cash Flow
$27.29M
Operating Cash Flow
$37.26M
Shares Outstanding
17.03M
Gross Margin
0.00%
Payout Ratio
17.03%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 GCBC Greene County Bancorp, Inc. R2K 32.37 14.14 $551.11M 1.33% - 15.71% 11.06% 13.50%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2013Dec 2013Mar 2014Sep 2014Dec 2014Mar 2015Sep 2015Dec 2015Mar 2016Sep 2016Dec 2016Mar 2017Sep 2017Dec 2017Mar 2018Sep 2018Dec 2018Mar 2019Sep 2019Dec 2019Mar 2020Sep 2020Dec 2020Mar 2021Sep 2021Dec 2021Mar 2022Sep 2022Dec 2022Mar 2023Sep 2023Dec 2023Mar 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -----------------------------------20.07M20.47M21.51M22.21M23.89M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------13.57M14.03M14.10M14.44M12.39M
Pretax Income -----------------------------------8.94M10.96M10.19M11.56M12.16M
Tax Provision -----------------------------------887.00K1.62M1.32M1.26M1.64M
Net Income 1.75M1.73M1.50M1.77M1.81M1.78M2.15M2.32M2.16M2.51M2.93M2.90M3.47M3.64M3.68M4.38M4.58M4.36M4.86M5.11M4.05M4.88M6.20M5.26M7.11M6.88M7.19M9.04M7.20M8.09M6.47M5.71M5.86M6.26M-8.05M9.33M8.87M10.29M10.52M
Diluted EPS 0.410.410.350.420.430.210.250.270.250.300.340.340.410.430.430.510.540.510.570.600.470.570.730.620.840.810.420.530.420.480.380.340.340.37-0.470.550.520.600.62

Profit & Loss (Annual)

Figures in USD.

Metric Jun 2011Jun 2012Jun 2013Jun 2014Jun 2015Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Revenue -------3.71M4.12M------
Net Income 5.29M5.83M6.37M6.53M7.19M8.96M11.19M14.41M17.48M18.73M23.94M27.99M30.79M24.77M31.14M
Diluted EPS 1.271.391.511.540.851.061.311.692.052.202.811.641.811.451.83

Balance Sheet (Annual)

Figures in USD.

Metric Jun 2010Jun 2011Jun 2012Jun 2013Jun 2014Jun 2015Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Total Assets -547.52M590.66M633.61M674.16M738.65M868.78M982.29M1.15B1.27B1.68B-2.57B2.70B2.83B3.04B
Current Assets ----------------
Cash & Equivalents ------------73.12M201.02M193.23M184.50M
Inventory ----------------
Receivables ------------8.92M12.25M14.27M16.38M
Total Liabilities -499.44M537.99M577.50M612.96M671.73M794.48M898.77M1.06B1.16B1.55B-2.41B2.52B2.62B2.80B
Current Liabilities ----------------
Long Term Debt ------------49.31M49.49M83.84M54.06M
Total Debt ------------173.01M49.49M199.14M128.06M
Total Equity 44.50M48.08M52.66M56.11M61.20M66.92M74.30M83.52M96.19M112.37M128.81M-157.71M183.28M206.00M238.84M
Shares Outstanding ------------17.22M17.22M17.22M17.22M

Cash Flows (Annual)

Figures in USD.

Metric Jun 2011Jun 2012Jun 2013Jun 2014Jun 2015Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Operating Cash Flow 10.12M10.35M10.34M--13.58M14.05M20.67M21.62M26.72M-35.35M28.11M24.91M27.98M
Investing Cash Flow -56.83M-48.39M-49.95M---132.44M-115.76M-163.38M-115.34M-397.32M--471.18M661.00K-129.24M-210.17M
Financing Cash Flow 47.03M35.82M38.10M--119.22M102.10M152.93M96.75M381.52M-355.06M98.67M98.28M174.87M
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 8.78M10.02M10.15M--13.29M13.97M20.35M21.04M25.61M-34.30M26.57M23.40M27.29M
Net Change in Cash ------------80.77M127.44M-6.05M-7.32M
Share Buybacks --------0631.00K0----
Dividends Paid 1.65M1.30M2.13M1.33M1.80M1.85M1.92M1.53M2.04M2.24M2.43M2.63M2.19M3.24M4.47M

Ratios (Annual)

Figures in %.

Metric Jun 2011Jun 2012Jun 2013Jun 2014Jun 2015Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Gross Margin % ---------------
Operating Margin % ---------------
Net Margin % -------388.7%424.7%------
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
59.36%
Institutions
13.94%
Public Float
34.30%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 3.98% 678.23K $23.58M
2 Vanguard Capital Management LLC 1.75% 298.15K $10.37M
3 Geode Capital Management, LLC 0.98% 166.92K $5.80M
4 State Street Corporation 0.76% 128.80K $4.48M
5 NewEdge Advisors, LLC 0.64% 109.50K $3.81M
6 Dimensional Fund Advisors LP 0.54% 92.61K $3.22M
7 Covalent Partners Llc 0.41% 69.00K $2.40M
8 Goldman Sachs Group Inc 0.40% 68.19K $2.37M
9 Angel Oak Capital Advisors, LLC 0.36% 61.00K $2.12M
10 Vanguard Fiduciary Trust Co 0.31% 52.42K $1.82M

Analyst View

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Latest News

Recent headlines for GCBC

Google News ue, 14 Jul 2026

Greene County Bancorp, Inc. (NASDAQ:GCBC) Short Interest Up 138.8% in June - MarketBeat

<a href="https://news.google.com/rss/articles/CBMivgFBVV95cUxPTEdzYW5sa0RYNHU5Z0xFa2FtVTJsMGZWOW9Vd0RyMno1VV82dV92R0lDMkhWbkNtRDJPSGJXdUF2VTlrOE9mQmluVlkta0ladDZEdGRzcC1TNFJDdjYyM1FYeGFOLVYtTXFzMHhDdTRYa01QQnJyZ3JzY0tmRlAwd29LNEdCLWNTY3JSUm…

Google News Sun, 05 Jul 2026

Greene County Bancorp's Surge Doesn't Mean It's Time To Pile In - Seeking Alpha

<a href="https://news.google.com/rss/articles/CBMiowFBVV95cUxON2lIcks1Tkt1M21MVVpENzB5eTdWZC02akE0ZlRpdHc1a1luX0ZpaGlQMjBHUmhoREFTQUY4ZURTTnMwVE9GS1RsWTJnUmt2b01ZalczNlNXTjRsRXJnRlhTTjhWX1JBNzhsZFlhUnRLbGp2dXRacUVvYWRSYWhFRVdnWHFITFVibV84Qm…

Google News ue, 07 Jul 2026

Avoiding Lag: Real-Time Signals in (GCBC) Movement - Stock Traders Daily

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Google News Wed, 08 Jul 2026

Greene County Bancorp (GCBC) Slips 4.67% as Support Levels Come into Focus - Beta Neutral Pair - DonanımHaber

<a href="https://news.google.com/rss/articles/CBMiuwFBVV95cUxQbGRNZmhJU01rODB5eXRPaF9lLVBTcjdqVU03dUo5bVp5VllZSDlUYmlRYVZ1b0xQRFRNY2hka1g1MXQ1dTE0TkpSVEx2SEdLTWk5bnBiamU3Q3pZeFhQb0NQcTYyMC1IdGwxdUNxQ2Q3ODZtTFItc2hhZVExMkx2c1c1dE8zMWVXbU5idU…

Google News hu, 09 Jul 2026

Greene County Bancorp (NASDAQ:GCBC) Shares Gap Down - Time to Sell? - MarketBeat

<a href="https://news.google.com/rss/articles/CBMitgFBVV95cUxQWDhrQXFWaDAyc0h0ZGhyQllKajVad3VvY0Q2VGUxdUhGOTZRRFV5WXFzSWxZcWxDX0ZIbGR5NFA4VDlncTNsUlFYZDA2cVZQNmNmaWt6NGhLODlkWW9pRlVISzNJb2hnRzVKX2Q5QS1KYlByR1RBMWkzWUFMcldvODNRN2wzNkN1Q2QxYV…

Google News ue, 03 Mar 2026

Cannucciari of Greene County Bancorp buys $28,665 in GCBC stock By Investing.com - Investing.com India

<a href="https://news.google.com/rss/articles/CBMiwwFBVV95cUxONWdGSnhJNWctc2VER1NyUWxNcmdFM0pCcXgzNFpjU1ZaeVdoTURzaHAxdUtKNkd4X21XQXlhSWZVN2IySmhzVTh5OEEtUC13NnZITUMwNEpVZEJJOW1kRkM2c0RIZldNbzRNVHowZmNPMGpNaklFVFZpM2Z2MHhfTjhmdm9ObUNEZWhkOH…

GCBC — Frequently Asked Questions

What is the current share price of Greene County Bancorp, Inc. (GCBC)?

As of 2026-07-14 21:23 PDT, Greene County Bancorp, Inc. (GCBC) trades at $32.37 on NasdaqCM. Its 52-week range is $21.23 to $34.66.

What is the market capitalisation of GCBC?

Greene County Bancorp, Inc. (GCBC) has a market capitalisation of $551.11M on NasdaqCM.

What is the P/E ratio of GCBC?

GCBC trades at a trailing price-to-earnings (P/E) ratio of 14.14. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.92.

Does GCBC pay a dividend?

Greene County Bancorp, Inc. (GCBC) currently offers a dividend yield of 1.33%.

What is the return on equity (ROE) of GCBC?

GCBC has a return on equity (ROE) of 15.71%.

Is GCBC a good stock to buy?

This page provides a data-driven analysis of Greene County Bancorp, Inc. (GCBC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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