Greene County Bancorp, Inc. (GCBC) stock price, financials & research

Historical prices · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

58/100

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

55

Fair Value

Momentum

66

Gaining

Sentiment

71

Bullish

Risk resilience

64

Moderate Risk

Full GoAI research

Thesis, catalysts, evidence, and risk analysis.

View full GoAI research

AI-generated, informational only, and not investment advice.

Company profile

Company website

Greene County Bancorp, Inc. serves as the parent organization for The Bank of Greene County, delivering a diverse range of financial solutions throughout the United States. Its array of deposit products encompasses savings accounts, interest-bearing NOW accounts, money market accounts, certificates of deposit, non-interest-bearing checking accounts, and individual retirement plans. The institution's lending activities include a comprehensive portfolio featuring residential, construction and land, and multi-family mortgage loans, alongside commercial real estate mortgages. Consumer credit options are also available, such as financing for new and used automobiles, personal loans, home equity loans, and various other installment loans including passbook-secured loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdraft facilities. Additionally, the company provides commercial loans. As of June 30, 2021, it maintained a network of 17 full-service banking branches. The company, founded in 1889, is headquartered in Catskill, New York, and operates as a subsidiary of Greene County Bancorp, MHC.

Industry: Banks - Regional
Sector: Financial Services
Headquarters: US
CEO: Donald E. Gibson
Listed since: Jun 30, 1999
Employees: 203

Market position

Day range

Current $34.80

$34.58$34.83

52-week range

Current $34.80

$21.25$36.02

Open: $34.66
Previous close: $34.66
Volume: 14.34K; 0.42× average
Average volume: 33.77K; Average daily volume
Market cap: 592.49M USD
Beta: 0.39; Market reference 1
50-day average: $32.8504; +5.93% above average
200-day average: $25.7445; +35.17% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value: 714.73M USD
P/E (TTM): 14.44×
P/B (TTM): 2.13×
P/S (TTM): 4.06×
EV / EBITDA: 15.26×
Earnings yield: 7.17%
Free cash flow yield: 0.00%
Dividend yield: 1.18%

Profitability & efficiency

Gross margin: 62.11%
Operating margin: 32.12%
Net margin: 28.14%
Return on equity: 14.77%
Return on assets: 1.29%
Return on invested capital: 1.29%

Financial health

Debt / equity: 0.56×
Current ratio: 0.25×
Altman Z-score: 0.18
Piotroski F-score: 8 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin

Income trends

Revenue

145.79M USD+9.67%

Operating income

46.83M USD+35.09%

Net income

41.02M USD+31.74%

Metric (USD)	FY2026	FY2025	FY2024	FY2023	FY2022
Revenue	145.79M USD	132.94M USD	117.57M USD	96.77M USD	75.58M USD
Cost of goods sold	55.25M USD	58.9M USD	53.45M USD	22.34M USD	8.72M USD
Gross profit	90.55M USD	74.04M USD	64.12M USD	74.44M USD	66.86M USD
Selling, general, and administrative	—	30.84M USD	29.53M USD	29.52M USD	26.1M USD
Operating expenses	43.72M USD	39.37M USD	37.3M USD	38.61M USD	33.96M USD
Interest income	131.13M USD	117.71M USD	103.66M USD	84.63M USD	63.44M USD
Interest expense	53.21M USD	57.58M USD	52.69M USD	23.41M USD	5.44M USD
Depreciation and amortization	—	1.07M USD	928K USD	871K USD	826K USD
Operating income	46.83M USD	34.67M USD	26.82M USD	35.83M USD	32.91M USD
Net income	41.02M USD	31.14M USD	24.77M USD	30.79M USD	27.99M USD

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result: 0.67

EPS: actual versus estimate

Recent quarterly results

ActualEstimate

Estimates unavailable

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate

Estimates unavailable

GCBC news

globenewswire.comJul 23, 2026

Greene County Bancorp, Inc. Reports Record Fiscal Year 2026 Earnings, Achieves Highest Quarterly Net Income in Company History, and Earns National Top-Performing Bank Recognition

CATSKILL, N.Y., July 23, 2026 (GLOBE NEWSWIRE) -- Greene County Bancorp, Inc. (the “Company”) (NASDAQ: GCBC), the holding company for the Bank of Greene County and its subsidiary Greene County Commercial Bank, today…

Read source

seekingalpha.comJul 23, 2026

Greene County Bancorp: A Solid Option Amid Rising Rates And AI Bubble Risk

Greene County Bancorp offers a conservative community bank play with strong credit metrics, low LTVs, and sticky municipal deposits. GCBC has negligible AI exposure and a history of greatly outperforming during interest…

Read source

globenewswire.comJul 22, 2026

Greene County Bancorp, Inc. Announces Cash Dividend Increase

CATSKILL, N.Y., July 22, 2026 (GLOBE NEWSWIRE) -- Greene County Bancorp, Inc. (NASDAQ-GCBC) today announced that its Board of Directors has approved a quarterly cash dividend of $0.11 per share on the Company's common…

Read source

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.38

2025 complete year+52.0% since 2021

2026 partial: $0.31

$0.25

2,021

$0.27

2,022

$0.30

2,023

$0.34

2,024

$0.38

2,025

$0.31

2,026*

* Partial calendar year in the available dividend history.

Corporate action history

Action	Ex-dividend date	Details	Record date	Payment date
Dividend	Aug 14, 2026	$0.11Quarterly	Aug 14, 2026	Aug 31, 2026
Dividend	May 15, 2026	$0.10Quarterly	May 15, 2026	May 29, 2026
Dividend	Feb 13, 2026	$0.10Quarterly	Feb 13, 2026	Feb 27, 2026
Dividend	Nov 14, 2025	$0.10Quarterly	Nov 14, 2025	Nov 28, 2025
Dividend	Aug 15, 2025	$0.10Quarterly	Aug 15, 2025	Aug 29, 2025
Dividend	May 16, 2025	$0.09Quarterly	May 16, 2025	May 30, 2025