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Greene County Bancorp, Inc.

GCBC Financial Banks Regional

Greene County Bancorp, Inc.’s revenue for fiscal 2026 (year ended June 2026) was $145.8 million, up 9.67% from fiscal 2025.

Revenue
+5.33%
EPS
+40.4%
Free cash flow
+40.5%
Total debt
+47.2%

Quarter to September 2026, against a year earlier

36.00 0.00 0.00%
Market cap
$612.9M
P/E
13.8×
Fwd P/E
—
Dividend yield
1.13%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.29
Sold, $m 0.29
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — 3 1 — — — — — — —
Sell — — — — — — 1 — — — — —
Insider Ownership 58.18%

Capital & Financial Ratios $m

Size
Market Cap 612.92
Revenue ttm 147.69
Net income ttm 44.65
Free cash flow ttm 53.76
Net debt Q (128.83)
Valuation
P/E 13.84
Forward P/E —
Price / sales 4.18
Forward P/S Powerpack
Price / FCF 11.48
Price / book 2.16
Financial health
Current ratio Q 0.00
Debt / equity Q 0.02
Interest coverage Q —
Growth
Revenue growth Q +5.33% (above 0%: growing)
Operating income growth Q +41.63% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A —
EPS, past 5 yrs +11.40%
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 40.14%
10-year low 10-year high
P/S against its own 10 years 44.32%
10-year low 10-year high
P/B against its own 10 years 50.07%
10-year low 10-year high

Dividends raised every year since 2018

Yield
1.13%
Annual rate
0.41
Payout ratio
15.7%
Growth, 2018–26
+9.88%/yr
  1. 0.20 ’18
  2. 0.21 ’19 +6
  3. 0.23 ’20 +10
  4. 0.25 ’21 +9
  5. 0.27 ’22 +8
  6. 0.30 ’23 +11
  7. 0.34 ’24 +13
  8. 0.38 ’25 +12
  9. 0.42 ’26 +11
paid change on the year, %

Assets vs Liabilities $m

2024 2025 2026 Q'26
Cash 190 183 145 135
Receivables — — — —
Inventory — — — —
Other — — — —
1,685 1,807 1,894 —
2024 2025 2026 Q'26
Payables 2,389 2,640 2,713 2,848
ST’ Debt — — — —
Other — — — —
2,586 2,798 2,899 2,950

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%

EPS $

Sep Dec Mar Jun Year
’26 0.73 — — — —
’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.

Revenue $m

Sep Dec Mar Jun Year
’26 38 — — — —
’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
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Sep Dec Mar Jun Year
’26 19 — — — —
’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
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Sep Dec Mar Jun Year
’26 19 — — — —
’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
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to June

Ten-year view Analyst estimates Powerpack
Group Line 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 TTM Sep ’26 Trend 10 yrs 2027e 2028e 2029e Next 3/yr
Income, $m
Income, $m Revenue 40 46 55 62 68 76 97 118 133 146 148 +15.5% — — — —
Gross margin, % 92.28 91.35 88.46 86.31 92.38 92.80 75.81 55.19 56.68 63.50 64.91 (28.8) pt
EBT 15 19 21 22 28 33 36 27 35 47 51 +13.5%
EBT margin, % 37.43 39.87 38.46 35.11 40.61 43.54 37.02 22.81 26.08 32.12 34.58 (5.3) pt
Net income 11 14 17 19 24 28 31 25 31 41 45 +15.5%
Per share, $
Per share, $ Revenue 2.35 2.73 3.20 3.63 3.99 4.44 5.68 6.91 7.81 8.56 8.67 +15.5%
Earnings 0.66 0.85 1.03 1.10 1.41 1.65 1.81 1.45 1.83 2.41 2.62 +15.5%
Cash flow 0.83 1.21 1.27 1.57 1.63 2.08 1.65 1.46 1.64 2.48 3.18 +13.0%
Capex 0.00 (0.02) (0.03) (0.07) (0.07) (0.06) (0.09) (0.09) (0.04) (0.04) (0.03) +28.7%
Free cash flow 0.82 1.20 1.23 1.50 1.56 2.01 1.56 1.37 1.60 2.44 3.16 +12.8%
Book value 4.92 5.65 6.58 7.55 8.79 9.26 10.76 12.10 14.03 16.32 16.80 +14.3%
Shares, m 17 17 17 17 17 17 17 17 17 17 17 0.0%
Valuation, ×
Valuation, × P/E 20.61 20.71 14.20 10.18 10.01 13.77 16.42 22.16 12.14 13.94 13.84 15.4
P/S 5.79 6.42 4.55 3.07 3.52 5.10 5.24 4.69 2.85 3.92 4.18 4.5
P/B 2.77 3.10 2.21 1.48 1.60 2.45 2.77 2.67 1.58 2.06 2.16 2.3
EV/Sales 5.95 6.24 4.26 2.53 1.63 5.83 3.74 3.36 1.50 2.97 — 3.8
EV/FCF 16.99 14.23 11.06 6.12 4.17 12.84 13.62 16.87 7.31 10.42 — 11.4
Cash, $m
Cash, $m Operating cash flow 14 21 22 27 28 35 28 25 28 42 54 +13.0%
Capex 0 0 (1) (1) (1) (1) (2) (2) (1) (1) 0 +28.8%
Free cash flow 14 20 21 26 26 34 27 23 27 42 54 +12.9%
Balance, $m
Balance, $m Working capital (232) (301) (322) (506) (807) (1,107) (919) (901) (991) (1,006) (2,950) +17.7%
Net debt 6 (8) (16) (33) (129) (18) (145) (156) (179) (139) (129) n/m
Shareholders’ equity 84 96 112 129 150 158 183 206 239 278 286 +14.3%
Returns, %
Returns, % ROA 1.21 1.35 1.44 1.27 1.24 1.17 1.17 0.90 1.06 1.32 1.42 +0.1 pt
ROIC 10.38 13.17 13.63 14.26 82.94 14.72 59.18 33.68 36.14 21.04 20.31 +10.7 pt
ROE 14.18 16.03 16.77 15.53 17.20 18.21 18.06 12.73 14.00 15.88 16.72 +1.7 pt
People
People Employees 146 164 172 186 193 206 217 209 212 227 — +5.0%
Revenue/emp, $m 0.27 0.28 0.32 0.33 0.35 0.37 0.45 0.56 0.63 0.64 — +10.0%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Jun 2026 · latest quarter Sep 2026 · fundamentals updated 6 Nov 2026

Greene County Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
WCCB West Coast Community Bancorp $656.7M 12.3× 11.3× +4.43% (above 0%: growing) −4.88% (below 0%: shrinking) — 100.00% 0.00% Compare
CARE Carter Bankshares, Inc. $629.2M 4.8× 5.1× +3.92% (above 0%: growing) +45.83% (above 0%: growing) −100.05% (below 0%: shrinking) 68.91% 0.00% Compare
FBIZ First Business Financial Services, Inc. $623.6M 11.0× 11.4× +2.14% (above 0%: growing) +14.71% (above 0%: growing) −71.53% (below 0%: shrinking) 63.38% 0.00% Compare
GCBC Greene County Bancorp, Inc. $612.9M 14.9× — +7.97% (above 0%: growing) +21.82% (above 0%: growing) +40.48% (above 0%: growing) 67.04% 0.00%
KRNY Kearny Financial $586.3M 15.6× 12.1× +1.22% (above 0%: growing) +6.67% (above 0%: growing) +147.69% (above 0%: growing) 50.63% 0.00% Compare
CIVB Civista Bancshares, Inc. $583.3M 10.1× 9.6× +4.29% (above 0%: growing) +13.24% (above 0%: growing) +57.62% (above 0%: growing) 72.61% 0.00% Compare
UNTY Unity Bancorp, Inc. $580.2M 9.4× 9.5× +10.61% (above 0%: growing) +20.98% (above 0%: growing) +8.49% (above 0%: growing) 70.01% 0.00% Compare
SFST Southern First Bancshares, Inc. $561.9M 12.0× 11.9× +8.16% (above 0%: growing) +20.37% (above 0%: growing) +41.79% (above 0%: growing) 59.23% 0.00% Compare
BWFG Bankwell Financial Group, Inc. $559.9M 12.2× 11.6× +10.72% (above 0%: growing) +25.00% (above 0%: growing) +23.23% (above 0%: growing) 60.10% 0.00% Compare
Median of peers $584.8M 11.5× 11.4× +4.36% +17.54% +23.23% 66.15% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 25 September 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2026 2.14m 2.14m 117.33
2025 2.16m 2.16m 76.31
2024 2.22m 2.22m 114.32

Ownership

Directors and executive officers, together 58.20%
Greene County Bancorp, MHC 54.10%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Greene County Bancorp, Inc. (GCBC) Latest News

23 Oct

Impact 3 · · Simply Wall St.

22 Oct

Impact 4 · · GlobeNewswire earnings
Impact 4 · · Simply Wall St.
Impact 3 · · Associated Press earnings
Impact 3 · · GlobeNewswireAssociated Press FinanceSimply Wall St.Simply Wall St.Simply Wall St.ZacksZacksGuruFocus.com

23 Jul

Impact 4 ·
Impact 4 ·
Impact 3 ·

22 Apr

Impact 4 · · GlobeNewswire

15 Apr

Impact 3 ·

4 Feb

Impact 3 · · Simply Wall St.

3 Feb

Impact 4 · · Simply Wall St.

21 Jan

Impact 4 ·
Impact 3 ·

12 Jan

Impact 3 · · Simply Wall St.

16 Dec

Impact 3 · · Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.

9 Dec

Impact 4 · · GlobeNewswire

19 Nov

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.

9 Nov

Impact 4 · · Simply Wall St.

21 Oct

Impact 4 · · Associated Press Finance
Impact 4 · · GlobeNewswireGuruFocus.comZacksGuruFocus.comZacksZacks

9 Oct

Impact 4 · · Simply Wall St.

3 Sep

Impact 4 ·

5 Aug

Impact 3 ·

25 Jul

Impact 3 · · Simply Wall St.

19 Jul

Impact 3 ·

16 Jul

Impact 3 · · GlobeNewswire

3 Jul

Impact 4 · · Simply Wall St.
Impact 3 ·
stockrow.com/GCBC · Data as of Nov 6, 2026 · For information only; not investment advice. · © 2026 stockrow.com