Greene County Bancorp, Inc. GCBC

34.46 (0.24) (0.69%) as of 25 Sep
Market cap
$590.8M
P/E
14.3×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.58
Total sells 0.29
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy 3 5 — — — 3 1 — — — — —
Sell — — — — — — — — 1 — — —
Insider Ownership 59.35%

Capital & Financial Ratios

Market Cap 590.78
Revenue 145.79
Net Income 41.02
Free Cash Flow 41.56
Net Debt (138.74)
Current Ratio 0.65
Debt/Equity 0.02
P/E ratio 14.30
P/S ratio 4.02
P/B ratio 2.11
Past 5Y EPS Growth 7.28%
This Y EPS Growth —
Next Y EPS Growth —
Next 5Y EPS Growth —
in millions of $

Dividends

Payout Ratio 0.15
Annual Dividend Rate 0.29
Annual Dividend Yield 1.15%
total individual payouts
2026 0.31
0.10
0.10
0.11
2025 0.38
0.09
0.09
0.10
0.10
2024 0.34
0.08
0.08
0.09
0.09
2023 0.30
0.07
0.07
0.08
0.08
2022 0.27
0.07
0.07
0.07
0.07
2021 0.25
0.06
0.06
0.07
0.07
2020 0.23
0.06
0.06
0.06
0.06
2019 0.21
0.05
0.05
0.06
0.06
2018 0.20
0.05
0.05
0.05
0.05
2017 0.19
0.05
0.05
0.05
0.05
2016 0.23
0.09
0.05
0.05
0.05
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 2026
Cash 196 190 183 145
Receivables — — — —
Inventory — — — —
Other — — — —
1,596 1,685 1,807 1,894
2023 2024 2025 2026
Payables 2,437 2,389 2,640 2,713
ST’ Debt — — — —
Other — — — —
2,515 2,586 2,798 2,899
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 15.41% 16.48% 14.64%
Cash Flow 12.03% 8.79% 14.59%
Earnings 16.43% 11.37% 10.04%
Book Value 14.10% 13.18% 14.87%

Revenue

Sep Dec Mar Jun Year
’26 — — — — —
’26 36 37 36 37 146
’25 32 33 34 35 133
’24 28 29 29 31 118
’23 22 23 25 27 97
’22 19 19 18 20 76
’21 15 17 17 18 68
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Sep Dec Mar Jun Year
’26 — — — — —
’26 7 6 11 18 42
’25 2 5 7 13 28
’24 6 2 6 11 25
’23 4 6 8 10 28
’22 7 6 8 14 35
’21 5 6 4 12 28
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Sep Dec Mar Jun Year
’26 — — — — —
’26 7 6 11 18 42
’25 2 5 7 13 27
’24 6 2 5 11 23
’23 4 5 7 10 27
’22 7 6 7 14 34
’21 5 6 4 12 26
in millions of $ · fiscal quarters ending in the months shown

EPS

Sep Dec Mar Jun Year
’26 — — — — —
’26 0.52 0.60 0.62 0.67 2.41
’25 0.37 0.44 0.47 0.55 1.83
’24 0.38 0.34 0.34 0.40 1.45
’23 0.53 0.43 0.48 0.38 1.81
’22 0.42 0.41 0.42 0.40 1.65
’21 0.29 0.37 0.31 0.45 1.41
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell
2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029
10.25 14.43 13.02 7.51 11.54 17.50 17.50 24.10 20.00 21.38

Analyst estimates 2027–2029

Powerpack
Low Price
17.85 19.00 17.13 15.13 19.13 44.90 36.78 37.25 27.83 36.33
High Price
146 164 172 186 193 206 217 209 212 227
Employees
0 0 0 0 0 0 0 1 1 1
Revenue/Emp
40 46 55 62 68 76 97 118 133 146
Revenue
92.28% 91.35% 88.46% 86.31% 92.38% 92.80% 75.81% 55.19% 56.68% 63.50%
Gross Margin
15 19 21 22 28 33 36 27 35 47
EBT
37.43% 39.87% 38.46% 35.11% 40.61% 43.54% 37.02% 22.81% 26.08% 32.12%
EBT Margin
11 14 17 19 24 28 31 25 31 41
Net Income
2 2 1 2 1 1 4 2 1 (1)
Depreciation
2.35 2.73 3.20 3.63 3.99 4.44 5.68 6.91 7.81 8.56
Revenue/Sh
0.66 0.85 1.03 1.10 1.41 1.65 1.81 1.45 1.83 2.41
Earnings/Sh
0.83 1.21 1.27 1.57 1.63 2.08 1.65 1.46 1.64 2.48
Cash Flow/Sh
0.00 (0.02) (0.03) (0.07) (0.07) (0.06) (0.09) (0.09) (0.04) (0.04)
Capex/Sh
0.82 1.20 1.23 1.50 1.56 2.01 1.56 1.37 1.60 2.44
Free CF/Sh
4.92 5.65 6.58 7.55 8.79 9.26 10.76 12.10 14.03 16.32
Book Value/Sh
17 17 17 17 17 17 17 17 17 17
Shares
20.61 20.71 14.20 10.18 10.01 13.77 16.42 22.16 12.14 13.94
PE Ratio
5.79 6.42 4.55 3.07 3.52 5.10 5.24 4.69 2.85 3.92
PS Ratio
2.77 3.10 2.21 1.48 1.60 2.45 2.77 2.67 1.58 2.06
PB Ratio
5.95 6.24 4.26 2.53 1.63 5.83 3.74 3.36 1.50 2.97
EV/Sales
16.99 14.23 11.06 6.12 4.17 12.84 13.62 16.87 7.31 10.42
EV/FCF
14 21 22 27 28 35 28 25 28 42
Op' Cash Flow
0 0 (1) (1) (1) (1) (2) (2) (1) (1)
Capex
14 20 21 26 26 34 27 23 27 42
FCF
(232) (301) (322) (506) (807) (1,107) (919) (901) (991) (1,006)
Working Cap'
23 18 14 7 21 51 51 34 4 6
Total Debt
6 (8) (16) (33) (129) (18) (145) (156) (179) (139)
Net Debt
84 96 112 129 150 158 183 206 239 278
Sh' Equity
1.21% 1.35% 1.44% 1.27% 1.24% 1.17% 1.17% 0.90% 1.06% 1.32%
ROA
10.38% 13.17% 13.63% 14.26% 82.94% 14.72% 59.18% 33.68% 36.14% 21.04%
ROIC
14.18% 16.03% 16.77% 15.53% 17.20% 18.21% 18.06% 12.73% 14.00% 15.88%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Jun 2026 · latest quarter Jun 2026

Greene County Bancorp, Inc. peers in Banks Regional

All 325 Banks Regional stocks →

Greene County Bancorp, Inc. (GCBC) key facts

  • Greene County Bancorp, Inc. (GCBC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Greene County Bancorp, Inc.’s revenue for fiscal 2026 (year ended June 2026) was $145.8 million, up 9.67% from fiscal 2025.
  • Net income was $41.0 million, or $2.41 per share (basic), a net margin of 28.1%.
  • As of September 25, 2026, GCBC traded at $34.46, a market capitalization of $590.8 million.
  • At that price the stock trades at 14.3× trailing-twelve-month earnings and 4.0× sales.
  • Greene County Bancorp, Inc. pays an annual dividend of $0.29 per share, a yield of 1.15%, with a payout ratio of 15.5%.
  • Return on equity was 15.9% and debt-to-equity 0.02.

Source: company filings (standardised) and stockrow calculations.

Greene County Bancorp, Inc. (GCBC) Latest News

News by impact score

Fine-tune

23 Jul

4

Greene County Bancorp reported record fiscal year 2026 earnings, achieved its highest quarterly net income in company history, and earned national top-performing bank recognition. Record earnings and national recognition strengthen investor sentiment and support higher valuation for Greene County Bancorp.

4

Greene County Bancorp, Inc. reported a record high net income of $31.1 million for the fiscal year ending June 30, 2025. The company also announced plans to expand its operations into Saratoga County, indicating a strategic move to enhance its market presence. The expansion into Saratoga County represents a significant strategic move that could enhance market positioning and financial performance.

3

Greene County Bancorp, Inc. (GCBC) reported its fiscal Q4 earnings, highlighting a net income of $1.2 million, or $0.25 per share, compared to $1.1 million, or $0.23 per share, in the same quarter last year. The bank's total assets increased to $300 million, driven by growth in loans and deposits. The management expressed optimism about future growth prospects, citing strategic initiatives and a strong local economy. However, challenges such as rising interest rates and regulatory pressures were acknowledged. The earnings report indicates moderate growth and potential challenges that could influence financial performance.

22 Apr

4

Greene County Bancorp, Inc. reported net income of $10.5 million for the quarter ended March 31, 2026, the highest quarterly earnings in its 137-year history, and announced a stock repurchase program. Record-high quarterly earnings and a stock repurchase program demonstrate exceptional financial strength and shareholder value commitment, poised to significantly enhance market performance and investor confidence.

15 Apr

3

Greene County Bancorp, Inc. (GCBC) announced adoption of a stock repurchase program to buy back its own shares. Stock repurchase programs moderately boost EPS, signal management confidence, and support share price without fundamentally altering core operations.

4 Feb

3

Greene County Bancorp, Inc. (GCBC) is highlighted as one of three undervalued small-cap stocks experiencing insider buying activity. This trend suggests confidence from company executives in the stock's future performance. Insider buying can indicate that insiders believe the stock is undervalued and may lead to positive market sentiment. Investors are encouraged to consider these signals when evaluating potential investment opportunities in GCBC and similar companies. Insider buying activity may influence investor sentiment and stock valuation, but its overall effect on GCBC's trajectory is expected to be limited.

3 Feb

4

Greene County Bancorp, Inc. (GCBC) is highlighted as a promising investment opportunity in the U.S. market for February 2026, showcasing its potential for growth and profitability. The article emphasizes the bank's strong financial performance, strategic initiatives, and favorable market conditions that position it as an undiscovered gem among investors. Analysts suggest that GCBC's focus on community banking and innovative services could lead to significant returns, making it an attractive option for those seeking undervalued stocks in the financial sector. GCBC's strategic initiatives and strong financial performance are likely to significantly impact its future trajectory and investor sentiment.

21 Jan

4

Greene County Bancorp, Inc. reported a net income of $10.3 million for the quarter ending December 31, 2025, marking the highest quarterly earnings in the bank's 137-year history. This achievement reflects strong financial performance and growth for the institution. The record earnings are likely to significantly enhance investor sentiment and the bank's competitive positioning.

3

Greene County Bancorp, Inc. (GCBC) reported its fiscal Q2 earnings, highlighting a net income of $1.2 million, or $0.30 per share, compared to $1.1 million, or $0.28 per share, in the same quarter last year. The bank's total assets increased to $300 million, driven by growth in loans and deposits. The management expressed optimism about future growth prospects, citing strong demand for loans and effective cost management strategies. However, challenges such as rising interest rates and economic uncertainties were acknowledged. The earnings report indicates moderate growth and potential challenges that could influence financial performance.

12 Jan

3

Greene County Bancorp, Inc. (NASDAQ:GCBC) has delivered an impressive 85% return to its investors over the past five years, reflecting strong performance and growth. The bank's strategic initiatives and market positioning have contributed to this positive outcome, making it a noteworthy investment in the financial sector. The substantial return indicates a moderately noticeable influence on investor sentiment and financial performance.

16 Dec

3

Insiders at Greene County Bancorp, Inc. (GCBC) have made bullish investments totaling approximately US$803.5k, indicating strong confidence in the company's future performance. This significant insider buying activity may reflect positive expectations regarding the bank's financial health and growth prospects. Insider buying suggests confidence in the company's future, which may moderately influence market sentiment and performance.

9 Dec

4

Greene County Bancorp, Inc. has been recognized as a top-performing bank in Piper Sandler’s Class of 2025 Bank & Thrift Small-Cap All Stars, highlighting its strong financial performance and competitive positioning in the banking sector. Recognition as a top-performing bank can significantly enhance investor sentiment and market positioning.

19 Nov

4

Greene County Bancorp, Inc. (GCBC) is highlighted as a promising investment opportunity in November 2025, showcasing its strong financial performance and growth potential. The article emphasizes the bank's strategic initiatives, including community engagement and innovative banking solutions, which position it favorably in the competitive landscape. Analysts predict that GCBC's focus on customer service and technology adoption will enhance its market presence and profitability, making it an attractive option for investors seeking undervalued stocks. Significant strategic initiatives and growth potential are expected to positively influence GCBC's future performance.

3

Greene County Bancorp, Inc. (GCBC) is highlighted as one of three undervalued small-cap stocks experiencing insider buying, indicating potential confidence from executives in the company's future performance. The article emphasizes the significance of insider buying as a positive signal for investors, suggesting that these purchases may reflect a belief in the company's undervalued status and growth prospects. GCBC's recent insider transactions are presented as a key factor for consideration by potential investors looking for opportunities in the small-cap sector. Insider buying suggests confidence in the company's future, which may moderately influence market sentiment and performance.

9 Nov

4

Greene County Bancorp, Inc. (GCBC) is set to pay a dividend of $0.12 per share, reflecting a 1.5% yield based on its current stock price. The company has a history of consistent dividend payments, which is appealing to income-focused investors. With a solid financial position and a commitment to returning value to shareholders, GCBC's upcoming dividend is viewed positively. Analysts believe this move could enhance investor confidence and attract new shareholders, contributing to the company's stability and growth prospects. The upcoming dividend payment is likely to significantly enhance investor sentiment and stability for GCBC.

22 Oct

4

Greene County Bancorp, Inc. (GCBC) reported a significant margin improvement, achieving a profitability rate of 43.6%. This performance reinforces a bullish outlook for the company, indicating strong financial health and operational efficiency. Investors are likely to respond positively to these results, suggesting a favorable trajectory for GCBC in the near future. The margin improvement and high profitability signal a significant positive shift in the company's financial performance and investor sentiment.

3

Greene County Bancorp, Inc. has declared a cash dividend of $0.10 per share, payable on November 15, 2023, to shareholders of record as of November 1, 2023. This decision reflects the company's ongoing commitment to returning value to its shareholders and indicates a stable financial position. The dividend announcement suggests a stable financial performance, which may positively influence investor sentiment but is not expected to significantly alter the company's trajectory.

21 Oct

4

Greene County Bancorp, Inc. (GCBC) reported its fiscal Q1 earnings, highlighting a notable increase in net income compared to the previous year. The bank's total assets and deposits also saw growth, reflecting a positive trend in its financial performance. Management expressed optimism about future growth prospects and strategic initiatives aimed at enhancing shareholder value. Overall, the earnings report indicates a solid financial position and a commitment to expanding operations. The earnings report indicates significant growth in net income and assets, suggesting a positive shift in the company's financial trajectory.

4

Greene County Bancorp, Inc. reported a net income of $8.9 million for the three months ending September 30, 2025. The company also announced finalized plans for expansion into Saratoga County, indicating growth and strategic development. Expansion into Saratoga County represents a significant strategic move that could enhance market presence and financial performance.

9 Oct

4

Greene County Bancorp, Inc. (GCBC) is highlighted as an undervalued investment opportunity in the U.S. market for October 2025. The article emphasizes the bank's strong fundamentals, including solid financial performance and growth potential. Analysts suggest that GCBC's current stock price does not reflect its intrinsic value, making it an attractive option for investors seeking growth in the banking sector. The article also notes the bank's strategic initiatives aimed at expanding its market presence and enhancing shareholder value. Significant strategic initiatives and growth potential are expected to positively influence GCBC's market performance.

3 Sep

4

Greene County Bancorp, Inc. (GCBC) is highlighted as a promising investment opportunity within the U.S. market, showcasing its strong financial performance and growth potential. The article emphasizes the bank's solid fundamentals, including a robust balance sheet and consistent earnings growth, positioning it as an attractive option for investors seeking undervalued stocks. Analysts suggest that GCBC's strategic initiatives and community-focused approach could lead to further expansion and profitability, making it a noteworthy contender in the financial sector. GCBC's strong fundamentals and growth potential indicate significant future impact on its market performance.

5 Aug

3

Greene County Bancorp, Inc. (GCBC) has been identified as an undervalued small-cap stock, with notable insider buying activity reported in August 2025. This trend suggests confidence from company executives in the stock's future performance. Analysts are exploring the implications of this insider buying as a potential indicator of the company's growth prospects and market positioning. Insider buying may influence market sentiment and investor confidence, but its overall effect on the company's trajectory is expected to be limited.

25 Jul

3

Greene County Bancorp (NASDAQ:GCBC) reported its Full Year 2025 results, showing revenue of US$74.0 million, a 16% increase from FY 2024, and net income of US$31.1 million, up 26%. The profit margin rose to 42% from 39% in FY 2024, driven by higher revenue. Earnings per share (EPS) increased to US$1.83 from US$1.46. The cost-to-income ratio improved to 52.3% from 57.5%. Despite these positive results, GCBC shares are down 3.2% from the previous week. An analysis of the balance sheet is also provided. The financial improvements indicate a moderately noticeable influence on future performance.

19 Jul

3

Greene County Bancorp, Inc. (GCBC) has announced an increase in its dividend payout compared to the previous year, reflecting the company's strong financial performance and commitment to returning value to shareholders. The new dividend rate is expected to enhance investor confidence and attract more interest in the stock. The increased dividend payout is likely to positively influence investor sentiment and financial performance, but its overall impact may be limited.

16 Jul

3

Greene County Bancorp, Inc. announced a quarterly cash dividend of $0.10 per share, reflecting an annual rate of $0.40, an 11.1% increase from the previous $0.36. The dividend will be paid to shareholders of record as of August 15, 2025, on August 29, 2025. The majority-owned subsidiary, Greene County Bancorp, MHC, is waiving its right to receive this dividend, having received approval from the Federal Reserve Bank of Philadelphia to do so for dividends paid during the four quarters ending September 30, 2025. Greene County Bancorp, Inc. operates the Bank of Greene County and Greene County Commercial Bank, primarily serving the Hudson Valley and Capital District Regions of New York State. The dividend increase indicates positive financial performance but is not expected to significantly alter the company's trajectory.

3 Jul

4

Greene County Bancorp, Inc. is highlighted as a strong investment opportunity amid a rising US market, boasting a market cap of $401.49 million and a solid financial performance with total assets of $3.0 billion and a net profit margin supported by low-risk funding. The bank's earnings have grown at an annual rate of 16.5%, and it trades at a 36% discount to its estimated fair value, indicating potential for growth. The article also features other lesser-known stocks with strong fundamentals, suggesting a trend towards uncovering undervalued investment opportunities. Greene County Bancorp's strong financial metrics and significant growth potential indicate a likely significant impact on its future performance.

3

Greene County Bancorp, Inc. (GCBC) is highlighted as one of three undervalued small-cap stocks experiencing insider buying. The article emphasizes the potential for growth in GCBC, noting recent insider transactions as a positive signal for investors. This trend suggests confidence from company executives in the bank's future performance, which may attract further interest from the market. Insider buying indicates confidence in the company's future, which may moderately influence market sentiment and performance.

17 Jun

3

Insider buying at Greene County Bancorp, Inc. has reached a total of US$570.8k, indicating strong confidence from executives in the company's future performance. This significant investment by insiders may reflect positive expectations regarding the bank's growth and stability in the current market environment. Insider buying suggests confidence in the company's future, which may moderately influence market sentiment and performance.

21 May

4

Greene County Bancorp, Inc. is highlighted as an undervalued stock in the US market, trading 40% below its estimated fair value. With a market cap of $399.11 million, the bank reported a revenue of $69.41 million and a strong earnings growth of 16.5% over the past year, significantly surpassing the industry average. The bank maintains a robust allowance for bad loans at 725% and low non-performing loans at 0.2%. Recent quarterly net income increased to $8.05 million, reflecting solid financial health. The article also mentions other undervalued stocks in the market, emphasizing the potential for growth in overlooked companies. Greene County Bancorp's significant undervaluation and strong financial metrics suggest a likely positive shift in investor sentiment and market performance.

20 May

3

Greene County Bancorp, Inc. (NASDAQ:GCBC) has seen a 14% decline in share price over the last quarter, but a strong 128% total shareholder return over five years, largely due to dividends. The company's earnings per share (EPS) grew at 9.5% annually, lower than the 16% average annual share price increase, indicating a positive market perception. Despite a 25% total loss in the past year, long-term investors have seen an 18% annual return over five years. Recent insider buying suggests confidence in the company's future performance. The article highlights significant long-term returns and insider buying, indicating moderate influence on future performance.

stockrow.com/GCBC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com