Greene County Bancorp (GCBC) Price & Analysis

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GCBC Stock Chart & Stats

$22.25

-$0.11(-0.41%)

At close: Jan 08 4:00 PM EST

$22.25

-$0.11(-0.41%)

Day’s Range― - ―

52-Week Range$20.00 - $27.62

Previous CloseN/A

Volume8.70K

Average Volume (3M)16.04K

Market Cap

$406.60M

Enterprise Value$434.64M

Total Cash (Recent Filing)$471.27M

Total Debt (Recent Filing)$54.09M

Price to Earnings (P/E)11.1

Beta0.74

Next Earnings

Apr 28, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield1.63%

Share Statistics

EPS (TTM)0.60

Shares Outstanding17,026,829

10 Day Avg. Volume15,633

30 Day Avg. Volume16,040

Financial Highlights & Ratios

PEG Ratio0.46

Price to Book (P/B)1.58

Price to Sales (P/S)2.85

P/FCF Ratio13.87

Enterprise Value/Market Cap1.07

Enterprise Value/Revenue3.17

Enterprise Value/Gross Profit5.57

Enterprise Value/Ebitda11.07

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Revenue GrowthSustained top-line expansion over multiple years indicates successful loan and deposit growth in core markets. Durable revenue momentum supports scalable operating leverage, funds reinvestment in branch growth, and underpins long-term earnings resilience versus peers in regional banking.

Cash GenerationStrong TTM cash conversion shows earnings are largely backed by cash, supporting dividend capacity and capital deployment. Reliable FCF near net income signals earnings quality and long-term ability to fund loans, branches, and reserves without excessive external financing.

Improved Leverage & ROELower leverage paired with solid ROE enhances financial flexibility and risk-bearing capacity. This structural improvement reduces downside volatility from funding stress, strengthens capital ratios, and supports sustainable lending and shareholder distributions over the medium term.

Bears Say

Margin NormalizationReverting from elevated margin peaks suggests structural pressure from competitive deposit costs or loan mix shifts. Persistent margin compression would reduce net interest income durability and constrain the bank’s ability to grow retained earnings and fund strategic initiatives.

Leverage VolatilityInconsistent leverage history raises the risk that capital structure swings amplify earnings and funding costs during downturns. Volatile debt levels can force defensive capital actions, limit lending capacity, and reduce predictability of returns across economic cycles.

MHC Dividend DecisionA majority‑owner taking dividends changes capital allocation dynamics and can reduce retained capital available for organic growth or loan book expansion. Over time this limits reinvestment flexibility, may slow balance sheet growth, and affects minority shareholders' expectations on future capital deployment.

Greene County Bancorp News

Greene County Bancorp reports Q2 EPS 60c vs. 44c last year

Net interest income increased $5M to $19.1M for the three months ended December 31, from $14.1M for the...

14d ago

GCBC

Greene County Bancorp Announces Quarterly Dividend Policy Shift

The latest announcement is out from Greene County Bancorp ( ($GCBC) ). On January 21, 2026, Greene County...

14d ago

GCBC

Greene County Bancorp Reports Strong Quarterly Earnings

Greene County ( ($GCBC) ) has released its Q1 earnings. Here is a breakdown of the information Greene...

3M ago

GCBC

Greene County Bancorp Holds 2025 Annual Stockholders Meeting

Greene County Bancorp ( ($GCBC) ) has shared an announcement. On November 1, 2025, Greene County Bancorp, Inc....

3M ago

GCBC

Greene County Bancorp Declares Quarterly Cash Dividend

An announcement from Greene County Bancorp ( ($GCBC) ) is now available. On October 22, 2025, Greene County...

4M ago

GCBC

Greene County Bancorp reports Q1 EPS 52c vs. 37c last year

Net interest margin increased 45 basis points to 2.48% for the three months ended September 30, 2025, compared...

4M ago

GCBC

Greene County Bancorp Redeems $20M Subordinated Notes

Greene County Bancorp ( ($GCBC) ) just unveiled an announcement. On October 1, 2025, Greene County Bancorp, Inc....

4M ago

GCBC

Greene County Bancorp Reports Record Earnings and Expansion

Greene County ( ($GCBC) ) has released its Q4 earnings. Here is a breakdown of the information Greene...

7M ago

GCBC

Greene County Bancorp reports Q4 EPS 55c vs. 40c last year

Net interest income increased $3.8 million to $16.7 million for the three months ended June 30, 2025 from...

7M ago

GCBC

Greene County Bancorp Announces Increased Quarterly Dividend

Greene County Bancorp ( ($GCBC) ) has provided an update. On July 16, 2025, Greene County Bancorp, Inc....

7M ago

GCBC

Greene County Bancorp raises quarterly dividend 11.1% to 10c per share

Greene County Bancorp (GCBC) announced that its Board of Directors has approved a quarterly cash dividend of 10c...

7M ago

GCBC

Greene County Bancorp Reports Strong Growth and Record Assets

Greene County ( ($GCBC) ) has released its Q3 earnings. Here is a breakdown of the information Greene...

9M ago

GCBC

Greene County Bancorp Achieves Record Net Income Growth

Greene County ( ($GCBC) ) has released its Q2 earnings. Here is a breakdown of the information Greene...

1y ago

GCBC

Greene County Bancorp Reports Stable Earnings and Growth

Greene County ( ($GCBC) ) has released its Q1 earnings. Here is a breakdown of the information Greene...

1y ago

GCBC

GCBC FAQ

What was Greene County Bancorp’s price range in the past 12 months?

Greene County Bancorp lowest stock price was $20.00 and its highest was $27.62 in the past 12 months.

What is Greene County Bancorp’s market cap?

Greene County Bancorp’s market cap is $406.60M.

When is Greene County Bancorp’s upcoming earnings report date?

Greene County Bancorp’s upcoming earnings report date is Apr 28, 2026 which is in 83 days.

How were Greene County Bancorp’s earnings last quarter?

Greene County Bancorp released its earnings results on Jan 21, 2026. The company reported $0.604 earnings per share for the quarter, beating the consensus estimate of N/A by $0.604.

Is Greene County Bancorp overvalued?

According to Wall Street analysts Greene County Bancorp’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Greene County Bancorp pay dividends?

Greene County Bancorp pays a Quarterly dividend of $0.1 which represents an annual dividend yield of 1.63%. See more information on Greene County Bancorp dividends here

What is Greene County Bancorp’s EPS estimate?

Greene County Bancorp’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Greene County Bancorp have?

Greene County Bancorp has 17,026,829 shares outstanding.

What happened to Greene County Bancorp’s price movement after its last earnings report?

Greene County Bancorp reported an EPS of $0.604 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 4.634%.

Which hedge fund is a major shareholder of Greene County Bancorp?

Currently, no hedge funds are holding shares in GCBC

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Greene County Bancorp Stock Smart Score

Neutral

Insider Transactions

Bought Shares

Worth $320.1K over
the Last 3 Months

Technicals

Fundamentals

Return on Equity

14.53%

Trailing 12-Months

Asset Growth

7.58%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

Greene County Bancorp

Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. Its deposit products include savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. The company's loan portfolio consists of residential, construction and land, and multifamily mortgage loans; commercial real estate mortgage loans; consumer loans, such as loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans, including passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. As of June 30, 2021, it operated a network of 17 full-service banking offices. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. is a subsidiary of Greene County Bancorp, MHC.